Cityscape Financial Corp. reported a big increase in its fourth-quarter earnings plus an increase in its mortgage-lending activity for the quarter and for all of 1995.

Fourth-quarter earnings jumped to $4.9 million, or 38 cents a share from $647,000, or 6 cents a share, a year earlier.

The company had a public offering of 2.5 million common shares during the last year. There was also a two-for-one stock split in September 1995.

Cityscape originated $146.2 million in loans in the United States in the fourth quarter; the lender also originates loans in the United Kingdom.

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