When it comes to building market share in mortgages, Warren A. Raybould knows more than a thing or two.

Just look at what he did at Freddie Mac. When he joined the huge secondary-market concern as national sales manager in 1990, it was badly lagging behind archrival Fannie Mae in buying loans from lenders. Fannie was getting 60% of the business to Freddie's 40%. But by the time he left earlier this year, the contest was almost a dead heat.

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