West Residential Lenders—Top 30

Mortgage Banking, Sept, 2002

West Residential Lenders--Top 30

First-Quarter 2002 / Sort Order: Total Loan Amount

                                                  PURCHASE

Rank      Lender                              Total         Number
                                            $$ Volume     Of Loans

  1       WASHINGTON MUTUAL BANK          $3,686,960,000    17,210
  2       WELLS FARGO HOME MORTGAGE       $3,943,024,000    19,244
  3       BANK OF AMERICA                 $1,959,341,000     9,576
  4       AMERICA'S WHOLESALE LENDER      $1,824,911,000    10,385
  5       COUNTRYWIDE HOME LOANS          $1,564,078,000    10,606
  6       ABN AMRO MORTGAGE               $1,352,893,000     5,872
  7       WORLD SAVINGS                   $1,441,776,000     6,720
  8       GREENPOINT MORTGAGE             $1,022,808,000     5,361
  9       CHASE MANHATTAN MORTGAGE          $647,837,366     3,155
 10       WELLS FARGO BANK                  $134,318,992     1,902
 11       CITIMORTGAGE/CITIBANK             $341,775,534     1,500
 12       ACCUBANC MORTGAGE                 $563,957,915     3,026
 13       FIRST NATIONWIDE MORTGAGE         $427,019,375     1,480
 14       CAPITOL COMMERCE MORTGAGE         $473,049,887     2,832
 15       DOWNEY SAVINGS & LOAN             $419,962,020     1,648
 16       PROVIDENT FUNDING                 $239,640,232     1,203
 17       FIRST HORIZON HOME LOANS          $574,085,565     3,581
 18       GMAC MORTGAGE                     $284,365,790     2,035
 19       INDYMAC BANK                      $327,575,296     1,671
 20       US BANK/ND                         $69,724,913       788
 21       HOMECOMING FINANCIAL              $255,957,883     1,383
 22       DITECH.COM                         $56,862,585       355
 23       HSBC MORTGAGE (USA)               $256,452,565       840
 24       BANK ONE                           $78,117,301       504
 25       FIRST FRANKLIN FINANCIAL          $811,307,028     6,071
 26       NATIONAL CITY MORTGAGE            $522,473,725     3,129
 27       UNION BANK/CA                      $90,681,324       296
 28       MERRILL LYNCH CREDIT CORP         $122,468,121       344
 29       FIRST MAGNUS FINANCIAL            $415,107,930     2,756
 30       CHASE MANHATTAN BANK/USA           $91,522,702     1,378
          Other Institutional Lender(s)  $23,365,594,000   148,271
          Total                          $47,408,412,000   275,366

                                               PURCHASE

Rank      Lender                          Share of   Share
                                         $$ Volume  Of Loans

  1       WASHINGTON MUTUAL BANK             7.78%     6.25%
  2       WELLS FARGO HOME MORTGAGE          8.32%     6.99%
  3       BANK OF AMERICA                    4.13%     3.48%
  4       AMERICA'S WHOLESALE LENDER         3.85%     3.77%
  5       COUNTRYWIDE HOME LOANS             3.30%     3.85%
  6       ABN AMRO MORTGAGE                  2.85%     2.13%
  7       WORLD SAVINGS                      3.04%     2.44%
  8       GREENPOINT MORTGAGE                2.16%     1.95%
  9       CHASE MANHATTAN MORTGAGE           1.37%     1.15%
 10       WELLS FARGO BANK                   0.28%     0.69%
 11       CITIMORTGAGE/CITIBANK              0.72%     0.54%
 12       ACCUBANC MORTGAGE                  1.19%     1.10%
 13       FIRST NATIONWIDE MORTGAGE          0.90%     0.54%
 14       CAPITOL COMMERCE MORTGAGE          1.00%     1.03%
 15       DOWNEY SAVINGS & LOAN              0.89%     0.60%
 16       PROVIDENT FUNDING                  0.51%     0.44%
 17       FIRST HORIZON HOME LOANS           1.21%     1.30%
 18       GMAC MORTGAGE                      0.60%     0.74%
 19       INDYMAC BANK                       0.69%     0.61%
 20       US BANK/ND                         0.15%     0.29%
 21       HOMECOMING FINANCIAL               0.54%     0.50%
 22       DITECH.COM                         0.12%     0.13%
 23       HSBC MORTGAGE (USA)                0.54%     0.31%
 24       BANK ONE                           0.16%     0.18%
 25       FIRST FRANKLIN FINANCIAL           1.71%     2.20%
 26       NATIONAL CITY MORTGAGE             1.10%     1.14%
 27       UNION BANK/CA                      0.19%     0.11%
 28       MERRILL LYNCH CREDIT CORP          0.26%     0.12%
 29       FIRST MAGNUS FINANCIAL             0.88%     1.00%
 30       CHASE MANHATTAN BANK/USA           0.19%     0.50%
          Other Institutional Lender(s)     49.29%    53.85%
          Total                            100.00%   100.00%

                                                 NON-PURCHASE

Rank      Lender                                Total        Number
                                             $$ Volume     Of Loans

  1       WASHINGTON MUTUAL BANK          $13,676,535,000    73,921
  2       WELLS FARGO HOME MORTGAGE       $12,429,400,000    58,259
  3       BANK OF AMERICA                  $8,249,432,000    64,598
  4       AMERICA'S WHOLESALE LENDER       $2,817,216,000    16,524
  5       COUNTRYWIDE HOME LOANS           $2,771,562,000    24,239
  6       ABN AMRO MORTGAGE                $2,557,435,000    12,183
  7       WORLD SAVINGS                    $1,979,183,000    10,082
  8       GREENPOINT MORTGAGE              $1,951,616,000    10,159
  9       CHASE MANHATTAN MORTGAGE         $2,144,405,000    10,150
 10       WELLS FARGO BANK                 $2,163,208,000    26,138
 11       CITIMORTGAGE/CITIBANK            $1,943,971,000     9,676
 12       ACCUBANC MORTGAGE                $1,310,963,000     5,957
 13       FIRST NATIONWIDE MORTGAGE        $1,412,065,000     5,102
 14       CAPITOL COMMERCE MORTGAGE        $1,348,876,000     7,507
 15       DOWNEY SAVINGS & LOAN            $1,301,421,000     5,884
 16       PROVIDENT FUNDING                $1,400,225,000     7,105
 17       FIRST HORIZON HOME LOANS           $988,493,403     6,482
 18       GMAC MORTGAGE                      $948,941,058     7,659
 19       INDYMAC BANK                       $854,758,541     4,091
 20       US BANK/ND                       $1,073,703,000    18,806
 21       HOMECOMING FINANCIAL               $857,592,173     4,586
 22       DITECH.COM                       $1,046,273,000    11,237
 23       HSBC MORTGAGE (USA)                $816,505,864     2,610
 24       BANK ONE                           $953,061,744    10,844
 25       FIRST FRANKLIN FINANCIAL           $206,088,431     1,271
 26       NATIONAL CITY MORTGAGE             $455,288,943     2,692
 27       UNION BANK/CA                      $869,923,191     4,384
 28       MERRILL LYNCH CREDIT CORP          $791,865,330     2,622
 29       FIRST MAGNUS FINANCIAL             $493,674,029     3,219
 30       CHASE MANHATTAN BANK/USA           $807,979,322     7,346
          Other Institutional Lender(s)   $51,414,391,000   391,900
          Total                          $122,088,373,000   827,516

                                             NON-PURCHASE

Rank      Lender                          Share of    Share
                                         $$ Volume  Of Loans

  1       WASHINGTON MUTUAL BANK            11.20%     8.93%
  2       WELLS FARGO HOME MORTGAGE         10.18%     7.04%
  3       BANK OF AMERICA                    6.76%     7.81%
  4       AMERICA'S WHOLESALE LENDER         2.31%     2.00%
  5       COUNTRYWIDE HOME LOANS             2.27%     2.93%
  6       ABN AMRO MORTGAGE                  2.09%     1.47%
  7       WORLD SAVINGS                      1.62%     1.22%
  8       GREENPOINT MORTGAGE                1.60%     1.23%
  9       CHASE MANHATTAN MORTGAGE           1.76%     1.23%
 10       WELLS FARGO BANK                   1.77%     3.16%
 11       CITIMORTGAGE/CITIBANK              1.59%     1.17%
 12       ACCUBANC MORTGAGE                  1.07%     0.72%
 13       FIRST NATIONWIDE MORTGAGE          1.16%     0.62%
 14       CAPITOL COMMERCE MORTGAGE          1.10%     0.91%
 15       DOWNEY SAVINGS & LOAN              1.07%     0.71%
 16       PROVIDENT FUNDING                  1.15%     0.86%
 17       FIRST HORIZON HOME LOANS           0.81%     0.78%
 18       GMAC MORTGAGE                      0.78%     0.93%
 19       INDYMAC BANK                       0.70%     0.49%
 20       US BANK/ND                         0.88%     2.27%
 21       HOMECOMING FINANCIAL               0.70%     0.55%
 22       DITECH.COM                         0.86%     1.36%
 23       HSBC MORTGAGE (USA)                0.67%     0.32%
 24       BANK ONE                           0.78%     1.31%
 25       FIRST FRANKLIN FINANCIAL           0.17%     0.15%
 26       NATIONAL CITY MORTGAGE             0.37%     0.33%
 27       UNION BANK/CA                      0.71%     0.53%
 28       MERRILL LYNCH CREDIT CORP          0.65%     0.32%
 29       FIRST MAGNUS FINANCIAL             0.40%     0.39%
 30       CHASE MANHATTAN BANK/USA           0.66%     0.89%
          Other Institutional Lender(s)     42.11%    47.36%
          Total                            100.00%   100.00%

SOURCE: First American Real Estate Solutions, Anaheim, California.
Marketrac[R] data is collected and compiled from publicly recorded
transactions provided by county government offices in 44 states and 497
counties, representing the major urban and suburban areas most
predictive of lender market share. First American Real Estate Solutions
is the nation's largest collector and provider of real estate
information. Coverage consists of more than 100 million parcels within
50 states and 1,370 county and municipal government offices. Updates are
done daily, with more than 2 million property and mortgage transactions
completed per month, representing 85 percent of all activity in the
United States. Products include property data and maps, automated
valuation models, profiling and lead-generation tools for customer
acquisition and retention, lien release programs, legal and vesting
reports, market analysis and statistical products, document images, MLS
applications, flood data, neighborhood profiles, crime data, printed
serial maps, published reports, custom research services and custom
product development services. Data delivery methods include: browsers,
XML, private-label solutions, Windows[R] desktop solutions, wireless and
bulk licensing arrangements. For more information on First American Real
Estate Solutions, call (800) 426-1466 or visit www.firstamrea.com.
Top 30 Lenders-Residential FRMs

First-Quarter 2002, Nationwide / Sort Order: Number of Loans


Rank  Lender                            Count      Dollar Amount

 1    WELLS FARGO HOME MORTGAGE        125,112   $20,330,286,073
 2    BANK OF AMERICA                  118,140   $13,153,129,880
 3    WASHINGTON MUTUAL BANK            92,641   $14,018,902,798
 4    COUNTRYWIDE HOME LOANS            61,370    $6,980,761,939
 5    ABN AMRO MORTGAGE                 55,119    $8,867,418,528
 6    AMERICA'S WHOLESALE LENDER        42,340    $6,297,101,418
 7    CHASE MANHATTAN MORTGAGE          39,705    $6,177,732,854
 8    WELLS FARGO BANK                  32,809    $2,490,425,923
 9    FIRST UNION NATIONAL BANK         26,436    $2,093,704,520
10    BANK ONE                          25,161    $2,088,428,652
11    GMAC MORTGAGE                     24,100    $2,814,669,502
12    US BANK/ND                        20,284    $1,183,871,466
13    NATIONAL CITY BANK                20,078    $1,305,085,044
14    NATIONAL CITY MORTGAGE            19,580    $2,911,470,066
15    FLEET NATIONAL BANK               18,809    $2,483,683,674
16    CITIMORTGAGE/CITIBANK             18,785    $2,919,166,701
17    GREENPOINT MORTGAGE               18,757    $2,977,431,391
18    FIRST HORIZON HOME LOANS          18,402    $2,574,047,734
19    DITECH.COM                        18,116    $1,601,070,738
20    CHARTER ONE BANK                  12,535    $1,223,990,962
21    PROVIDENT FUNDING                 12,242    $2,285,222,859
22    CHASE MANHATTAN BANK/USA          11,648    $1,000,113,518
23    WELLS FARGO BANK WEST             11,196      $565,792,166
24    ACCUBANC MORTGAGE                 10,842    $1,845,459,229
25    HOMECOMING FINANCIAL              10,311    $1,637,098,371
26    CAPITOL COMMERCE MORTGAGE          9,909    $1,723,071,834
27    SUNTRUST MORTGAGE                  9,674    $1,374,925,462
28    FIRSTAR BANK                       9,594      $745,958,201
29    PRINCIPAL RESIDENTIAL MTG          9,268    $1,252,278,065
30    UNION PLANTERS BANK                9,266    $1,225,922,371
      Other Institutional Lender(s)  1,458,011  $174,205,494,899
      Total                          2,410,417  $297,210,189,991

                                      Market      Avg.
Rank  Lender                           Share    Amount

 1    WELLS FARGO HOME MORTGAGE        5.19%  $162,497
 2    BANK OF AMERICA                  4.90%  $111,335
 3    WASHINGTON MUTUAL BANK           3.84%  $151,325
 4    COUNTRYWIDE HOME LOANS           2.55%  $113,749
 5    ABN AMRO MORTGAGE                2.29%  $160,878
 6    AMERICA'S WHOLESALE LENDER       1.76%  $148,727
 7    CHASE MANHATTAN MORTGAGE         1.65%  $155,591
 8    WELLS FARGO BANK                 1.36%   $75,907
 9    FIRST UNION NATIONAL BANK        1.10%   $79,199
10    BANK ONE                         1.04%   $83,003
11    GMAC MORTGAGE                    1.00%  $116,791
12    US BANK/ND                       0.84%   $58,365
13    NATIONAL CITY BANK               0.83%   $65,001
14    NATIONAL CITY MORTGAGE           0.81%  $148,696
15    FLEET NATIONAL BANK              0.78%  $132,048
16    CITIMORTGAGE/CITIBANK            0.78%  $155,399
17    GREENPOINT MORTGAGE              0.78%  $158,737
18    FIRST HORIZON HOME LOANS         0.76%  $139,879
19    DITECH.COM                       0.75%   $88,379
20    CHARTER ONE BANK                 0.52%   $97,646
21    PROVIDENT FUNDING                0.51%  $186,671
22    CHASE MANHATTAN BANK/USA         0.48%   $85,861
23    WELLS FARGO BANK WEST            0.46%   $50,535
24    ACCUBANC MORTGAGE                0.45%  $170,214
25    HOMECOMING FINANCIAL             0.43%  $158,772
26    CAPITOL COMMERCE MORTGAGE        0.41%  $173,890
27    SUNTRUST MORTGAGE                0.40%  $142,126
28    FIRSTAR BANK                     0.40%   $77,753
29    PRINCIPAL RESIDENTIAL MTG        0.38%  $135,118
30    UNION PLANTERS BANK              0.38%  $132,303
      Other Institutional Lender(s)   60.49%  $123,302
      Total                          100.00%  $123,302

SOURCE: First American Real Estate Solutions, Anaheim, California.
Marketrac[R] data is collected and compiled from publicly recorded
transactions provided by county government offices in 44 states and
497 counties, representing the major urban and suburban areas most
predictive of lender market share.
Top 30 Lenders--Residential ARMs

First-Quarter 2002, Nationwide / Sort Order: Number of Loans

Rank  County                         Count    Dollar Amount

  1   WASHINGTON MUTUAL BANK        44,005  $10,423,770,761
  2   BANK OF AMERICA               28,772   $4,103,066,951
  3   WELLS FARGO HOME MORTGAGE     20,059   $6,476,946,499
  4   WORLD SAVINGS                 15,645   $3,415,087,882
  5   FIRST UNION NATIONAL BANK     11,991     $972,401,829
  6   COUNTRYWIDE HOME LOANS        10,917   $1,216,784,812
  7   KEYBANK USA                   10,492     $938,504,064
  8   AMERICA'S WHOLESALE LENDER     9,674   $1,519,604,349
  9   CITIMORTGAGE/CITIBANK          9,478   $1,877,116,686
 10   WELLS FARGO BANK WEST          9,041     $708,230,932
 11   BANK ONE                       7,392     $716,814,641
 12   ABN AMRO MORTGAGE              7,346   $1,889,539,160
 13   AMERIQUEST MORTGAGE            6,295     $927,221,923
 14   FIRST FRANKLIN FINANCIAL       6,191   $1,026,627,351
 15   MERRILL LYNCH CREDIT CORP      5,863   $1,830,138,934
 16   NEW CENTURY MORTGAGE           5,638     $965,047,551
 17   OPTION ONE MORTGAGE            5,515     $780,642,438
 18   SUNTRUST BANK                  4,565     $356,288,188
 19   LONG BEACH MORTGAGE            4,477     $796,556,785
 20   PNC BANK                       4,427     $216,620,247
 21   FIRST NATIONWIDE MORTGAGE      4,155   $1,265,766,209
 22   CHASE MANHATTAN MORTGAGE       4,131   $1,130,337,174
 23   FREMONT INVESTMENT & LOAN      3,933     $679,922,372
 24   LASALLE BANK                   3,740     $333,326,595
 25   US BANK/ND                     3,067     $212,901,539
 26   COMPASS BANK                   2,767     $184,783,779
 27   GREENPOINT MORTGAGE            2,741     $886,995,289
 28   AMSOUTH BANK                   2,635     $221,268,655
 29   DOWNEY SAVINGS & LOAN          2,457     $752,611,608
 30   AAMES HOME LOANS               2,303     $325,117,921
      Other Instutional Lender(s)  223,288  $36,842,891,368
      Total                        486,823  $84,625,620,761

Rank  County                       Market Share  Avg. Amount

  1   WASHINGTON MUTUAL BANK              9.04%     $236,877
  2   BANK OF AMERICA                     5.91%     $142,606
  3   WELLS FARGO HOME MORTGAGE           4.12%     $322,895
  4   WORLD SAVINGS                       3.21%     $218,286
  5   FIRST UNION NATIONAL BANK           2.46%      $81,094
  6   COUNTRYWIDE HOME LOANS              2.24%     $111,458
  7   KEYBANK USA                         2.16%      $89,449
  8   AMERICA'S WHOLESALE LENDER          1.99%     $157,081
  9   CITIMORTGAGE/CITIBANK               1.95%     $198,050
 10   WELLS FARGO BANK WEST               1.86%      $78,335
 11   BANK ONE                            1.52%      $96,972
 12   ABN AMRO MORTGAGE                   1.51%     $257,220
 13   AMERIQUEST MORTGAGE                 1.29%     $147,295
 14   FIRST FRANKLIN FINANCIAL            1.27%     $165,826
 15   MERRILL LYNCH CREDIT CORP           1.20%     $312,151
 16   NEW CENTURY MORTGAGE                1.16%     $171,168
 17   OPTION ONE MORTGAGE                 1.13%     $141,549
 18   SUNTRUST BANK                       0.94%      $78,048
 19   LONG BEACH MORTGAGE                 0.92%     $177,922
 20   PNC BANK                            0.91%      $48,932
 21   FIRST NATIONWIDE MORTGAGE           0.85%     $304,637
 22   CHASE MANHATTAN MORTGAGE            0.85%     $273,623
 23   FREMONT INVESTMENT & LOAN           0.81%     $172,876
 24   LASALLE BANK                        0.77%      $89,125
 25   US BANK/ND                          0.63%      $69,417
 26   COMPASS BANK                        0.57%      $66,781
 27   GREENPOINT MORTGAGE                 0.56%     $323,603
 28   AMSOUTH BANK                        0.54%      $83,973
 29   DOWNEY SAVINGS & LOAN               0.50%     $306,313
 30   AAMES HOME LOANS                    0.47%     $141,171
      Other Instutional Lender(s)        45.87%     $173,832
      Total                             100.00%     $173,832

SOURCE: First American Real Estate Solutions, Anaheim, California.
Marketrac[R] data is collected and compiled from publicly recorded
transactions provided by county government offices in 44 states and 497
counties, representing the major urban and suburban areas most
predictive of lender market share.