+++ Based on mortgages serviced for investors and for self as of Dec. 31, 1998 (Dollars in millions) Replenishment rate is origination volume as a percentage of average loans serviced in 1998.

part 1 of 2

Servicing Volume

Rank Rank 12/31/98

1 92 AccuBanc Mortgage $3,946

2 85 People's Heritage Financial Group 4,593

3 91 Republic Bancorp 4,000

4 70 Headlands Mortgage 6,410

5 32 Flagstar Bank 18,879

6 55 IndyMac Mortgage Holdings 10,600

7 95 New Century Financial Corp. 3,800

8 45 Resource Bancshares Mortgage 13,596

9 44 Crossland Mortgage 14,400

10 79 IMC Mortgage 5,000

11 98 Wachovia Mortgage 3,413

12 96 Impac Mortgage Holdings 3,700

13 58 GreenTree Financial 8,260

14 30 Crestar Mortgage 19,050

15 16 North American Mortgage/Dime 46,544

16 99 Saxon Mortgage 3,386

17 18 Cendant Mortgage 43,043

18 59 FirstPlus Financial Group 7,990

19 47 ContiMortgage 12,677

20 74 Option One Mortgage 5,631

21 61 Commercial Credit/Travelers Bank 7,869

22 90 Hibernia National Bank 4,070

23 65 Republic National Bank of New York 7,072

24 69 Equicredit Corp. 6,462

25 67 B.F. Saul Mortgage/Chevy Chase Bank 6,506

26 20 FT Mortgage Companies 40,942

27 42 Irwin Mortgage 16,130

28 68 Downey Savings & Loan 6,467

29 84 Aames Financial Corp. 4,700

31 54 USAA Federal Savings Bank 10,608

32 80 United Companies Financial/Unicor 5,000

33 89 Market Street Mortgage 4,259

34 46 Money Store 12,870

35 17 National City Mortgage 43,225

36 73 M & I Mortgage 5,643

37 34 First Chicago/NBD 18,000

38 2 Norwest Mortgage 247,316

39 94 Mid America Fed Savings Bank 3,803

40 3 Countrywide Credit Industries 208,599

41 4 Chase Manhattan Mortgage 206,347

42 26 Associates Home Equity/Financial Se 22,397

43 87 MorEquity/American General Finance 4,460

44 24 Source One Mortgage 24,908

45 31 SunTrust Mortgage 19,000

46 57 SouthTrust Mortgage 8,474

47 35 Household Financial Services 18,000

48 66 Columbia National 6,931

49 93 Continental Savings Bank 3,891

50 43 Fifth Third Mortgage 15,038

Totals and averages for the top 50 $1,283,856

Totals and averages for the top 100$2,961,775

part 2 of 2

Servicing Replenishment Ratio %

Rank Rank 12/31/97 1998 1997

1 92 AccuBanc Mor $9,124 190.48% 70.28%

2 85 People's Her 5,381 176.78 41.29

3 91 Republic Ban 3,696 158.86 105.33

4 70 Headlands Mo 4,520 151.69 82.39

5 32 Flagstar Ban 6,413 149.08 122.75

6 55 IndyMac Mort 4,093 140.67 144.91

7 95 New Century 1,300 130.39 153.85

8 45 Resource Ban 10,195 129.71 103.78

9 44 Crossland Mo 11,100 108.09 47.69

10 79 IMC Mortgage 6,960 96.57 84.67

11 98 Wachovia Mor 3,209 85.35 43.6

12 96 Impac Mortga 3,000 82.33 88.2

13 58 GreenTree Fi 4,849 79.38 71.68

14 30 Crestar Mort 13,180 78.83 35.97

15 16 North Americ 34,986 75.58 45.88

16 99 Saxon Mortga 2,332 74.78 47.17

17 18 Cendant Mort 29,703 71.51 39.44

18 59 FirstPlus Fi 5,534 70.94 81.77

19 47 ContiMortgag 9,123 70.63 57.17

20 74 Option One M 3,434 67.36 52.88

21 61 Commercial C 6,014 67.32 55.52

22 90 Hibernia Nat 2,550 66.86 40.98

23 65 Republic Nat 4,835 65.94 26.27

24 69 Equicredit C 5,193 65.5 56.02

25 67 B.F. Saul Mo 4,874 62.69 31.53

26 20 FT Mortgage 32,252 62.39% 31.97%

27 42 Irwin Mortga 12,594 62.28 42.87

28 68 Downey Savin 5,539 61.44 35.08

29 84 Aames Financ 3,751 58.53 64.14

31 54 USAA Federal 7,479 55.15 32.58

32 80 United Compa 5,528 54.56 52.24

33 89 Market Stree 3,706 54.16 34.97

34 46 Money Store 11,312 53.99 52.39

35 17 National Cit 30,436 52.52 22.89

36 73 M & I Mortga 6,476 51.32 22.36

37 34 First Chicag 16,720 49.52 26.49

38 2 Norwest Mort 206,224 48.26 26.8

39 94 Mid America 2,979 46.36 31.18

40 3 Countrywide 177,471 45.85 24.31

41 4 Chase Manhat 169,312 44.18 23.65

42 26 Associates H 18,542 43.28 39.06

43 87 MorEquity/Am 4,155 42.74 38.12

44 24 Source One M 26,546 42.24 16.59

45 31 SunTrust Mor 16,403 41.6 27.68

46 57 SouthTrust M 7,144 41.11 24.71

47 35 Household Fi 15,933 41.02 24.62

48 66 Columbia Nat 6,013 39.88 25.68

49 93 Continental 3,491 39.82 21.88

50 43 Fifth Third 12,328 39.69 13.08

Totals and a$1,041,214 74.95% 50.43%

Totals and a$2,471,812 53.03% 35.71% ===

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