From a distance, NationsBanc Mortgage Corp. appears to have everything one would expect from a company vying to be one of the vaunted top five in mortgage lending.

The mortgage unit of NationsBank Corp. has a huge, powerfully capitalized parent, has nationwide ambitions, and last year brought in a well-known mortgage banker, Andrew D. Woodward Jr., who has extensive experience in evaluating, buying, and integrating mortgage companies.

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