Marketrac®

Mortgage Banking, April, 2004

Nationwide Residential Lenders--Top 30

Fourth-Quarter 2003 / Sort Order: Total Loan Amount

                                              PURCHASE

Rank             Lender               Total $Volume      Number
                                                       of Loans

  1   WASHINGTON MUTUAL BANK           $7,711,549,000    29,633

  2   COUNTRYWIDE FINANCIAL CORP.     $12,287,439,000    74,239

  3   WELLS FARGO HOME MORTGAGE        $9,036,419,000    42,211

  4   BANK OF AMERICA                  $4,728,219,000    25,887

  5   WORLD SAVINGS                    $2,829,948,000    12,767

  6   WELLS FARGO BANK                 $1,960,115,000    21,538

  7   CHASE MANHATTAN MORTGAGE         $2,584,277,000    12,419

  8   ABN AMRO MORTGAGE                $2,293,263,000    12,023

  9   CITIMORTGAGE/CITIBANK            $2,002,254,000     6,898

 10   NATIONAL CITY MORTGAGE           $2,659,728,000    14,402

 11   NEW CENTURY MORTGAGE             $1,684,749,000     9,433

 12   GREENPOINT MORTGAGE              $1,987,447,000    10,200

 13   ARGENT MORTGAGE                  $1,060,606,000     6,605

 14   FIRST FRANKLIN FINANCIAL         $3,163,187,000    21,531

 15   FIRST HORIZON HOME LOANS         $1,660,805,000    11,091

 16   GMAC MORTGAGE                      $983,517,248     6,682

 17   AMERIQUEST MORTGAGE                 $83,590,291       611

 18   FLEET NATIONAL BANK                $250,283,921     1,340

 19   CHASE MANHATTAN BANK/USA           $357,710,573     5,027

 20   SUNTRUST MTG./SUNTRUST BK.       $1,056,864,000     6,565

 21   WACHOVIA BANK                      $173,928,572     1,695

 22   INDYMAC BANK                       $907,522,406     4,281

 23   FREMONT INVESTMENT & LOAN        $1,265,119,000     8,423

 24   DITECH.COM                         $139,564,011       736

 25   HOMECOMING FINANCIAL               $751,890,062     5,023

 26   HSBC MORTGAGE (USA)                $679,320,362     2,491


 27   DOWNEY SAVINGS & LOAN              $593,027,627     1,953

 28   AMERICAN HOME MORTGAGE           $1,043,832,000     6,144

 29   BANK ONE                           $143,579,116       946

 30   OPTION ONE MORTGAGE                $759,898,017     5,550

      Other Institutional Lender(s)   $83,231,900,000   516,051

      TOTAL                          $150,071,562,000   884,395

                                          PURCHASE

Rank             Lender              Share of   Share of
                                      $Volume     Loans

  1   WASHINGTON MUTUAL BANK            5.14%     3.35%

  2   COUNTRYWIDE FINANCIAL CORP.       8.19%     8.39%

  3   WELLS FARGO HOME MORTGAGE         6.02%     4.77%

  4   BANK OF AMERICA                   3.15%     2.93%

  5   WORLD SAVINGS                     1.89%     1.44%

  6   WELLS FARGO BANK                  1.31%     2.44%

  7   CHASE MANHATTAN MORTGAGE          1.72%     1.40%

  8   ABN AMRO MORTGAGE                 1.53%     1.36%

  9   CITIMORTGAGE/CITIBANK             1.33%     0.78%

 10   NATIONAL CITY MORTGAGE            1.77%     1.63%

 11   NEW CENTURY MORTGAGE              1.12%     1.07%

 12   GREENPOINT MORTGAGE               1.32%     1.15%

 13   ARGENT MORTGAGE                   0.71%     0.75%

 14   FIRST FRANKLIN FINANCIAL          2.11%     2.43%

 15   FIRST HORIZON HOME LOANS          1.11%     1.25%

 16   GMAC MORTGAGE                     0.66%     0.76%

 17   AMERIQUEST MORTGAGE               0.06%     0.07%

 18   FLEET NATIONAL BANK               0.17%     0.15%

 19   CHASE MANHATTAN BANK/USA          0.24%     0.57%

 20   SUNTRUST MTG./SUNTRUST BK.        0.70%     0.74%

 21   WACHOVIA BANK                     0.12%     0.19%

 22   INDYMAC BANK                      0.60%     0.48%

 23   FREMONT INVESTMENT & LOAN         0.84%     0.95%

 24   DITECH.COM                        0.09%     0.08%

 25   HOMECOMING FINANCIAL              0.50%     0.57%

 26   HSBC MORTGAGE (USA)               0.45%     0.28%

 27   DOWNEY SAVINGS & LOAN             0.40%     0.22%

 28   AMERICAN HOME MORTGAGE            0.70%     0.69%

 29   BANK ONE                          0.10%     0.11%

 30   OPTION ONE MORTGAGE               0.51%     0.63%

      Other Institutional Lender(s)    55.46%    58.35%

      TOTAL                           100.00%   100.00%

                                              NONPURCHASE

Rank             Lender               Total $Volume    Number of
                                                         Loans

  1   WASHINGTON MUTUAL BANK          $23,152,276,000    143,562

  2   COUNTRYWIDE FINANCIAL CORP.     $14,791,568,000    110,740

  3   WELLS FARGO HOME MORTGAGE       $17,337,630,000    100,869

  4   BANK OF AMERICA                 $17,617,296,000    153,398

  5   WORLD SAVINGS                    $6,756,676,000     35,532

  6   WELLS FARGO BANK                 $7,418,101,000     85,709

  7   CHASE MANHATTAN MORTGAGE         $6,155,630,000     35,368

  8   ABN AMRO MORTGAGE                $4,679,789,000     27,132

  9   CITIMORTGAGE/CITIBANK            $4,883,006,000     31,741

 10   NATIONAL CITY MORTGAGE           $3,998,226,000     21,394

 11   NEW CENTURY MORTGAGE             $3,463,232,000     19,491

 12   GREENPOINT MORTGAGE              $3,056,704,000     16,110

 13   ARGENT MORTGAGE                  $3,626,782,000     19,945

 14   FIRST FRANKLIN FINANCIAL         $1,461,231,000      8,768

 15   FIRST HORIZON HOME LOANS         $2,135,234,000     15,472

 16   GMAC MORTGAGE                    $2,485,109,000     19,744

 17   AMERIQUEST MORTGAGE              $3,146,572,000     18,823

 18   FLEET NATIONAL BANK              $2,873,474,000     26,437

 19   CHASE MANHATTAN BANK/USA         $2,690,717,000     30,058

 20   SUNTRUST MTG./SUNTRUST BK.       $1,971,564,000     20,164

 21   WACHOVIA BANK                    $2,777,906,000     31,801

 22   INDYMAC BANK                     $2,010,810,000     11,145

 23   FREMONT INVESTMENT & LOAN        $1,480,038,000      7,646

 24   DITECH.COM                       $2,506,623,000     21,163

 25   HOMECOMING FINANCIAL             $1,724,988,000     10,970

 26   HSBC MORTGAGE (USA)              $1,794,147,000      8,093

 27   DOWNEY SAVINGS & LOAN            $1,855,656,000      7,854

 28   AMERICAN HOME MORTGAGE           $1,403,068,000      7,918

 29   BANK ONE                         $2,268,192,000     30,678

 30   OPTION ONE MORTGAGE              $1,628,201,000      9,770

      Other Institutional Lender(s)  $148,207,322,000      1,180,475

      TOTAL                          $301,357,781,000      2,267,970

                                        NONPURCHASE

Rank  Lender                         Share of    Share of
                                     $Volume      Loans

  1   WASHINGTON MUTUAL BANK            7.68%     6.33%

  2   COUNTRYWIDE FINANCIAL CORP.       4.91%     4.88%

  3   WELLS FARGO HOME MORTGAGE         5.75%     4.45%

  4   BANK OF AMERICA                   5.85%     6.76%

  5   WORLD SAVINGS                     2.24%     1.57%

  6   WELLS FARGO BANK                  2.46%     3.78%

  7   CHASE MANHATTAN MORTGAGE          2.04%     1.56%

  8   ABN AMRO MORTGAGE                 1.55%     1.20%

  9   CITIMORTGAGE/CITIBANK             1.62%     1.40%

 10   NATIONAL CITY MORTGAGE            1.33%     0.94%

 11   NEW CENTURY MORTGAGE              1.15%     0.86%

 12   GREENPOINT MORTGAGE               1.01%     0.71%

 13   ARGENT MORTGAGE                   1.20%     0.88%

 14   FIRST FRANKLIN FINANCIAL          0.48%     0.39%

 15   FIRST HORIZON HOME LOANS          0.71%     0.68%

 16   GMAC MORTGAGE                     0.82%     0.87%

 17   AMERIQUEST MORTGAGE               1.04%     0.83%

 18   FLEET NATIONAL BANK               0.95%     1.17%

 19   CHASE MANHATTAN BANK/USA          0.89%     1.33%

 20   SUNTRUST MTG./SUNTRUST BK.        0.65%     0.89%

 21   WACHOVIA BANK                     0.92%     1.40%

 22   INDYMAC BANK                      0.67%     0.49%

 23   FREMONT INVESTMENT & LOAN         0.49%     0.34%

 24   DITECH.COM                        0.83%     0.93%

 25   HOMECOMING FINANCIAL              0.57%     0.48%

 26   HSBC MORTGAGE (USA)               0.60%     0.36%

 27   DOWNEY SAVINGS & LOAN             0.62%     0.35%

 28   AMERICAN HOME MORTGAGE            0.47%     0.35%

 29   BANK ONE                          0.75%     1.35%

 30   OPTION ONE MORTGAGE               0.54%     0.43%

      Other Institutional Lender(s)    49.18%    52.05%

      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
aerial 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.firstamres.com.

Top 30 Lenders--Residential FRMs

Fourth-Quarter 2003, Nationwide / Sort Order: Number of Loans

Rank             Lender                  Count    Dollar Amount

  1   COUNTRYWIDE FINANCIAL CORP.      119,103   $15,119,146,372

  2   BANK OF AMERICA                  112,256   $14,628,096,216

  3   WELLS FARGO HOME MORTGAGE        110,212   $16,987,810,660

  4   WELLS FARGO BANK                  95,748    $8,224,454,219

  5   WASHINGTON MUTUAL BANK            73,541   $10,716,899,850

  6   CHASE MANHATTAN MORTGAGE          39,979    $6,468,085,219

  7   ABN AMRO MORTGAGE                 33,386    $5,622,885,389

  8   NATIONAL CITY MORTGAGE            29,833    $5,146,960,126

  9   CHASE MANHATTAN BANK/USA          28,960    $2,405,202,340

 10   CITIMORTGAGE/CITIBANK             27,982    $4,319,147,869

 11   FLEET NATIONAL BANK               27,451    $3,071,704,753

 12   GMAC MORTGAGE                     24,766    $3,112,139,502

 13   BANK ONE                          24,107    $1,772,012,688

 14   NATIONAL CITY BANK                21,932    $1,530,249,982

 15   DITECH.COM                        21,487    $2,560,653,531

 16   FIRST HORIZON HOME LOANS          21,242    $2,719,708,126

 17   U.S. BANK/ND                      17,005    $1,170,074,493

 18   GREENPOINT MORTGAGE               16,623    $2,003,751,752

 19   WACHOVIA BANK                     15,987    $1,475,526,833

 20   SUNTRUST MTG./SUNTRUST BANK       13,812    $1,638,298,297

 21   WORLD SAVINGS                     12,610    $1,159,856,337

 22   HOMECOMING FINANCIAL              12,344    $1,841,743,572

 23   U.S. BANK                         11,743    $1,151,981,632

 24   FIRST FRANKLIN FINANCIAL          11,588      $859,719,930

 25   CHARTER ONE BANK/MORTGAGE         10,802    $1,019,743,510

 26   AMERICAN HOME MORTGAGE            10,769    $1,753,735,033

 27   NEW CENTURY MORTGAGE              10,676    $1,484,377,962

 28   FIRST MAGNUS FINANCIAL CORP.      10,580    $1,661,168,629

 29   AMERIQUEST MORTGAGE                9,927    $1,700,710,060

 30   ARGENT MORTGAGE                    9,811    $1,717,009,214

      Other Institutional Lender(s)  1,207,304  $151,211,424,384

      TOTAL                          2,193,566  $276,254,278,480

Rank             Lender              Market Share  Avg. Amount

  1   COUNTRYWIDE FINANCIAL CORP.       5.43%         $126,942

  2   BANK OF AMERICA                   5.12%         $130,310

  3   WELLS FARGO HOME MORTGAGE         5.02%         $154,138

  4   WELLS FARGO BANK                  4.36%          $85,897

  5   WASHINGTON MUTUAL BANK            3.35%         $145,727

  6   CHASE MANHATTAN MORTGAGE          1.82%         $161,787

  7   ABN AMRO MORTGAGE                 1.52%         $168,420

  8   NATIONAL CITY MORTGAGE            1.36%         $172,526

  9   CHASE MANHATTAN BANK/USA          1.32%          $83,053

 10   CITIMORTGAGE/CITIBANK             1.28%         $154,355

 11   FLEET NATIONAL BANK               1.25%         $111,898

 12   GMAC MORTGAGE                     1.13%         $125,662

 13   BANK ONE                          1.10%          $73,506

 14   NATIONAL CITY BANK                1.00%          $69,772

 15   DITECH.COM                        0.98%         $119,172

 16   FIRST HORIZON HOME LOANS          0.97%         $128,034

 17   U.S. BANK/ND                      0.78%          $68,808

 18   GREENPOINT MORTGAGE               0.76%         $120,541

 19   WACHOVIA BANK                     0.73%          $92,295

 20   SUNTRUST MTG./SUNTRUST BANK       0.63%         $118,614

 21   WORLD SAVINGS                     0.57%          $91,979

 22   HOMECOMING FINANCIAL              0.56%         $149,202

 23   U.S. BANK                         0.54%          $98,099

 24   FIRST FRANKLIN FINANCIAL          0.53%          $74,191

 25   CHARTER ONE BANK/MORTGAGE         0.49%          $94,403

 26   AMERICAN HOME MORTGAGE            0.49%         $162,850

 27   NEW CENTURY MORTGAGE              0.49%         $139,039

 28   FIRST MAGNUS FINANCIAL CORP.      0.48%         $157,010

 29   AMERIQUEST MORTGAGE               0.45%         $171,322

 30   ARGENT MORTGAGE                   0.45%         $175,009

      Other Institutional Lender(s)    55.04%         $125,247

      TOTAL                           100.00%         $125,938

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

Fourth-Quarter 2003, Nationwide / Sort Order: Number of Loans

Rank             Lender                Count    Dollar Amount

  1   WASHINGTON MUTUAL BANK          99,654   $20,146,925,911

  2   BANK OF AMERICA                 67,029    $7,717,420,125

  3   COUNTRYWIDE FINANCIAL CORP.     65,876   $11,959,860,869

  4   WORLD SAVINGS                   35,689    $8,426,768,540

  5   WELLS FARGO HOME MORTGAGE       32,868    $9,386,239,035

  6   FIRST FRANKLIN FINANCIAL        18,711    $3,764,698,762

  7   NEW CENTURY MORTGAGE            18,248    $3,663,604,299

  8   WACHOVIA BANK                   17,509    $1,476,307,826

  9   ARGENT MORTGAGE                 16,739    $2,970,379,545

 10   SUNTRUST MTG./SUNTRUST BANK     12,917    $1,390,130,653

 11   WELLS FARGO BANK                11,499    $1,153,762,476

 12   CITIMORTGAGE/CITIBANK           10,657    $2,566,113,416

 13   FREMONT INVESTMENT & LOAN        9,992    $2,116,139,026

 14   GREENPOINT MORTGAGE              9,687    $3,040,399,887

 15   AMERIQUEST MORTGAGE              9,507    $1,529,452,271

 16   CITIBANK WEST                    8,441      $835,495,528

 17   OPTION ONE MORTGAGE              7,845    $1,266,248,894

 18   CHASE MANHATTAN MORTGAGE         7,808    $2,271,822,757

 19   BANK ONE                         7,517      $639,759,099

 20   DOWNEY SAVINGS & LOAN            6,685    $1,831,456,951

 21   WMC MORTGAGE                     6,143    $1,448,574,966

 22   CHASE MANHATTAN BANK/USA         6,125      $643,225,941

 23   BNC MORTGAGE                     6,082    $1,232,949,137

 24   NATIONAL CITY MORTGAGE           5,963    $1,510,994,898

 25   LONG BEACH MORTGAGE              5,945    $1,263,946,403

 26   INDYMAC BANK                     5,864    $1,525,859,474

 27   ABN AMRO MORTGAGE                5,769    $1,350,167,905

 28   ACCREDITED HOME LENDERS          5,448      $978,890,748

 29   MERRILL LYNCH CREDIT CORP.       5,346    $1,469,672,202

 30   FIRST HORIZON HOME LOANS         5,321    $1,076,332,119

      Other Institutional Lender(s)  425,915   $74,521,465,593

      TOTAL                          958,799  $175,175,065,256

Rank             Lender              Market Share  Avg. Amount

  1   WASHINGTON MUTUAL BANK            10.39%        $202,169

  2   BANK OF AMERICA                   6.99%         $115,136

  3   COUNTRYWIDE FINANCIAL CORP.       6.87%         $181,551

  4   WORLD SAVINGS                     3.72%         $236,117

  5   WELLS FARGO HOME MORTGAGE         3.43%         $285,574

  6   FIRST FRANKLIN FINANCIAL          1.95%         $201,202

  7   NEW CENTURY MORTGAGE              1.90%         $200,767

  8   WACHOVIA BANK                     1.83%          $84,317

  9   ARGENT MORTGAGE                   1.75%         $177,453

 10   SUNTRUST MTG./SUNTRUST BANK       1.35%         $107,620

 11   WELLS FARGO BANK                  1.20%         $100,336

 12   CITIMORTGAGE/CITIBANK             1.11%         $240,791

 13   FREMONT INVESTMENT & LOAN         1.04%         $211,783

 14   GREENPOINT MORTGAGE               1.01%         $313,864

 15   AMERIQUEST MORTGAGE               0.99%         $160,876

 16   CITIBANK WEST                     0.88%          $98,981

 17   OPTION ONE MORTGAGE               0.82%         $161,408

 18   CHASE MANHATTAN MORTGAGE          0.81%         $290,961

 19   BANK ONE                          0.78%          $85,108

 20   DOWNEY SAVINGS & LOAN             0.70%         $273,965

 21   WMC MORTGAGE                      0.64%         $235,809

 22   CHASE MANHATTAN BANK/USA          0.64%         $105,016

 23   BNC MORTGAGE                      0.63%         $202,721

 24   NATIONAL CITY MORTGAGE            0.62%         $253,395
x
 25   LONG BEACH MORTGAGE               0.62%         $212,607

 26   INDYMAC BANK                      0.61%         $260,208

 27   ABN AMRO MORTGAGE                 0.60%         $234,038

 28   ACCREDITED HOME LENDERS           0.57%         $179,679

 29   MERRILL LYNCH CREDIT CORP.        0.56%         $274,911

 30   FIRST HORIZON HOME LOANS          0.55%         $202,280

      Other Institutional Lender(s)    44.42%         $174,968

      TOTAL                           100.00%         $182,703

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.