Competition Creates Openings for Smaller Lenders

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New York

Number Amount in Market

Rank Lender of loans millions share

1 Chemical Bank 3,668 $271.80 3.37%

2 Citibank 2,571 221.84 2.75

3 Fleet Real Estate 1,636 205.85 2.55

Funding

4 Natwest Bank USA 1,284 203.13 2.52

5 Prudential Home 1,630 202.83 2.51

Mortgage

6 Dime Savings 1314 195.76 2.43

7 Chase Manhattan 2432 192.91 2.39

Mortgage

8 GreenPoint Bank 1263 142.82 1.77

9 Merrill Lynch Credit 741 126.54 1.57

10 Home Savings of America 753 121.43 1.51

Florida

Number Amount in Market

Rank Lender of loans millions share

1 First Union National 17,909 $931.11 4.41%

2 Nationsbank 20,896 787 3.73

3 Sun Bank 9,828 687.13 3.26

4 Chemical Residential 4,477 444.47 2.11

Mortgage

5 Great Western 4,664 442.47 2.1

6 Home Savings 4,562 370.97 1.76

of America

7 Nationsbanc Mortgage 2,954 320.12 1.52

8 Norwest Mortgage 3,438 319.23 1.51

9 CTX Mortgage 2,944 271.87 1.29

10 Crossland 3,301 245.48 1.16

Mortgage

California

Number Amount in Market

Rank Lender of loans millions share

1 Bank of America 56,301 $4,924.78 6.52%

2 American Savings Bank 16,489 3039.44 4.02

3 Home Savings 13,739 2323.18 3.08

of America

4 World Savings and Loan 13,549 2283.58 3.02

5 Great Western Bank 13,173 1820.82 2.41

6 Nationsbanc Mortgage 6,959 1796.62 2.38

7 North American 10,225 1340.81 1.78

Mortgage

8 Countrywide Funding 9,198 1164.52 1.54

9 California Federal 5,293 1164 1.54

Savings

10 First Interstate 17,412 1141.27 1.51

Kentucky

Number Amount in Market

Rank Lender of loans millions share

1 Fifth Third Bank 346 $31.54 9.50%

2 Victory Mortgage 233 26.63 8.02

3 Norwest Mortgage 188 15.77 4.75

4 First Equity 116 14.31 4.31

Mortgage

5 Kentucky 160 13.49 4.07

Enterprise Bank

6 Star Bank 149 11.29 3.4

7 Peoples Bank of N. Ky. 68 10.13 3.05

8 MCA Mortgage 118 9.86 2.97

9 Star Bank of Ky. 154 9.22 2.78

10 Huntington 105 9.2 2.77

Mortgage

Delaware

Number Amount in Market

Rank Lender of loans millions share

1 Wilmington Trust 1,334 $82.18 9.44%

2 Wilmington Savings 1,019 50.58 5.81

Fund Society

3 MNC Mortgage 407 43.02 4.94

4 Delaware Trust 989 41.29 4.74

5 Ninth Ward Savings 355 27.18 3.12

6 PNC Bank Delaware 761 24.98 2.87

7 PNC Mortgage 226 24.21 2.78

of America

8 Gilpin Vantrump 215 24.17 2.78

& Montgomery

9 Collective Bank 156 22.12 2.54

10 Imperial Credit 186 21.56 2.48

Minnesota

Number Amount in Market

Rank Lender of loans millions share

1 Norwest 1,301 $119.28 9.65%

Mortgage

2 FBS Mortgage 1,078 91.25 7.38

3 Great Lakes 675 56.5 4.57

Mortgage

4 First Bank 1,530 52.28 4.23

5 TCF Bank 911 45.82 3.71

6 First South 1,225 43.35 3.51

Dakota

7 Investors Savings 572 38.14 3.08

8 Prime Mortgage 246 27.65 2.24

9 Norwest Bank Minn. 892 26.32 2.13

10 Bell Mortgage 282 26.06 2.11

New Mexico

Number Amount in Market

Rank Lender of loans millions share

1 Charter Bank 923 $83.45 7.43%

for Savings

2 North American 713 80.96 7.21

Mortgage

3 Norwest Mortgage 623 67.91 6.04

4 First Security Bank 840 58.81 5.23

5 Sunwest Bank 1,211 55.51 4.94

6 CTX Mortgage 457 52.31 4.66

7 Bank of America 824 45.09 4.01

8 Norwest Bank 732 34.91 3.11

9 Bank of New Mexico 320 32.26 2.87

10 Fleet Mortgage 225 24.52 2.18

Rhode Island

Number Amount in Market

Rank Lender of loans millions share

1 Fleet Real Estate 553 $55.67 7.46%

Funding

2 Citizens Mortgage 497 53.97 7.23

3 BancBoston Mortgage 421 42.63 5.71

4 Norwest Mortgage 267 30.09 4.03

5 Margaretten and Co. 256 28.78 3.85

6 North American 284 27.78 3.72

Mortgage

7 Bank of Newport 207 23.15 3.1

8 Bank United of Texas 235 22.77 3.05

9 First Federal Savings 158 17.23 2.31

of America

10 Diversified Mortgage 178 16.84 2.26

Washington

Number Amount in Market

Rank Lender of loans millions share

1 Washington Mutual 9,917 $859.58 9.16%

2 Seattle First National 8,302 406.39 4.33

3 Norwest Mortgage 2,403 304.55 3.25

4 Great Western Bank 1,919 287.56 3.07

5 Bank of America 2,287 285.9 3.05

6 Washington Federal 1,679 273.1 2.91

Savings

7 Mellon Mortgage 1,341 174.82 1.86

8 Countrywide Funding 1,418 162.85 1.74

9 Continental Savings 1,360 159.17 1.7

10 Phoenix Mortgage and 1,220 155.56 1.66

Investment ===

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