COLUMBIA, S.C. - Gerry Baker is a big guy. He rides a big Harley Davidson through the Carolina hills on weekends. And he spends the rest of the week running a big mortgage company.

But Mr. Baker isn't hung up on size. He doesn't just want to make Fleet Mortgage Group, of which he has been chief executive since November, even bigger. He has already served an apprenticeship at Countrywide Credit Industries, the nation's largest home lender.

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