Eighteen months into his tenure as chairman of Fleet Mortgage Group, Gerald L. Baker is starting to reshape the company in the mold of his former employer, Countrywide Credit Industries, industry observers say.

To be sure, Fleet is already a solid player - one of only five mortgage lenders with more than $100 billion in servicing. But Mr. Baker appears determined to give Fleet, considered a dinosaur before he took the helm, the agility and the profitability it needs not just to survive but to reassert itself as a dominant force.

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