Finding new ways to deliver an old product - the mortgage loan - was a big theme in 1995, and perhaps no company exemplified it better than PNC Mortgage.

In February, the PNC Bank Corp. unit teamed with Coldwell Banker Corp. in a joint venture to market mortgages directly to homebuyers in real estate agents' offices. The move gives PNC access to customers in 2,400 Coldwell Banker offices nationwide.

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