Our analysis of the mortgage banking industry has revealed the following fundamental trends:

* Consolidation, which has begun to occur in the mortgage banking industry is likely to continue, initiated by players both inside and outside the mortgage banking market. Driving this expected consolidation is commercial banks' and thrifts' desire to increase the contribution of fee income to the bottom line, their need for new asset-generating capabilities, and the opportunity for commercial banks to cross-sell products. For mortgage banks, the motivation is to gain market share and create synergies.

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