Top 200 lenders: third-quarter 2003 (by $ amount).

THIRD-QUARTER 2003 BROUGHT A WAVE of production that dwarfed volume in third-quarter 2002. Our rankings of the top 200 lenders lists Wells Fargo Home Mortgage, Des Moines, Iowa, as the top producer in the most recent third-quarter period.

[ILLUSTRATION OMITTED]

Wells posted 343,100 loans during this time frame, according to our data supplier, First American Real Estate Solutions, Anaheim, California. If you add mortgage production by Wells Fargo Bank, the total loan count climbs further to an astounding 446,898. A year ago, in our third-quarter 2002 rankings, the top lender (also Wells, if you add the bank and mortgage company production together) produced only 176,902 by comparison.

Market share numbers continue to increase for Wells Fargo Home Mortgage. In this month's rankings, it claims 8.84 percent market share, according to our data. A total of eight lending entities posted market share of 2 percent or more for our 2003 third-quarter rankings.

As we note in all editions of our rankings, our lists are a bit different than others'. We do not aggregate origination totals under the parent's name if the loan is closed in the name of a different division of the company. Our origination rankings reflect the name of the lender on the county recorder's documents.

Our rankings are a work in progress. We welcome input from lenders we are missing or undercounting. If you are a lender doing business in the counties not included currently or have other questions, please contact First American Real Estate Solutions. Call [phone] and ask for Teresa Grove, or e-mail [e-mail] for more information on the rankings.

TOP 200 LeNDeRS

Third-Quarter 2003 (by $ amount)

                           Number        Dollar        Market   Average
Rank  Lender              of Loans       Amount        Share     Loan

  1   Wells Fargo Home
        Mortgage            343,100   $67,853,389,376    8.84%  $197,765
  2   Washington Mutual
        Bank                288,860   $53,329,942,486    6.95%  $184,622
  3   Countrywide
        Financial Corp.     274,319   $42,310,649,017    5.51%  $154,238
  4   Bank of America       246,771   $35,112,717,783    4.57%  $142,288
  5   Chase Manhattan
        Mortgage            110,727   $22,011,065,798    2.87%  $198,786
  6   ABN AMRO Mortgage      80,859   $15,428,784,425    2.01%  $190,810
  7   National City
        Mortgage             77,447   $14,687,459,489    1.91%  $189,645
  8   CitiMortgage/
        Citibank             49,315    $9,251,371,843    1.20%  $187,597
  9   World Savings          47,292    $9,189,320,290    1.19%  $194,310
 10   First Horizon Home
        Loans                57,444    $8,869,021,470    1.15%  $154,394
 11   Wells Fargo Bank      103,798    $8,418,865,176    1.09%   $81,108
 12   SunTrust Mortgage/
        SunTrust Bank        52,272    $6,980,228,365    0.91%  $133,536
 13   GreenPoint
        Mortgage             29,740    $6,177,648,154    0.80%  $207,721
 14   GMAC Mortgage          38,962    $5,478,195,287    0.71%  $140,603
 15   New Century
        Mortgage             29,095    $5,311,847,780    0.69%  $182,569
 16   Ditech.com             34,417    $5,040,584,676    0.65%  $146,456
 17   Capitol Commerce
        Mortgage             25,822    $4,970,558,971    0.64%  $192,493
 18   IndyMac Bank           22,522    $4,715,050,966    0.61%  $209,353
 19   First Franklin
        Financial            30,173    $4,642,655,692    0.60%  $153,867
 20   Argent Mortgage        22,920    $4,063,609,898    0.52%  $177,295
 21   Fleet National
        Bank                 33,542    $4,054,493,955    0.52%  $120,878
 22   Wachovia Bank          45,370    $4,054,398,495    0.52%   $89,362
 23   Provident Funding      18,889    $3,945,341,519    0.51%  $208,869
 24   HomeComing
        Financial            22,191    $3,782,512,740    0.49%  $170,452
 25   American Home
        Mortgage             21,421    $3,732,751,169    0.48%  $174,256
 26   HSBC Mortgage
        (USA)                18,755    $3,622,020,635    0.47%  $193,122
 27   First Magnus
        Financial            21,322    $3,562,675,416    0.46%  $167,089
 28   Flagstar Bank          17,081    $3,411,736,757    0.44%  $199,738
 29   Merrill Lynch
        Credit Corp.         14,192    $3,342,414,560    0.43%  $235,513
 30   Wachovia Mortgage      17,719    $3,331,640,554    0.43%  $188,026
 31   Bank One               37,963    $3,328,166,994    0.43%   $87,668
 32   SIB Mortgage           16,306    $3,116,671,199    0.40%  $191,136
 33   Chase Manhattan
        Bank/USA             36,548    $3,080,273,024    0.40%   $84,280
 34   Ameriquest
        Mortgage             19,064    $3,009,204,413    0.39%  $157,847
 35   Irwin Mortgage         19,158    $2,918,885,572    0.38%  $152,358
 36   Principal
        Residential
        Mortgage             19,176    $2,736,534,483    0.35%  $142,706
 37   Fremont Investment
        & Loan               16,072    $2,688,534,955    0.35%  $167,280
 38   CTX Mortgage           16,134    $2,671,437,494    0.34%  $165,578
 39   Long Beach
        Mortgage             15,485    $2,669,165,105    0.34%  $172,371
 40   Union Planters
        Bank                 18,342    $2,661,084,798    0.34%  $145,081
 41   Downey Savings &
        Loan                 11,095    $2,586,155,405    0.33%  $233,091
 42   LoanCity.com           12,018    $2,558,442,091    0.33%  $212,884
 43   Option One
        Mortgage             16,037    $2,521,950,033    0.32%  $157,258
 44   U.S. Bank              19,648    $2,511,924,600    0.32%  $127,846
 45   Guaranty
        Residential          12,419    $2,305,670,030    0.30%  $185,656
 46   RBC Mortgage           10,501    $2,234,729,280    0.29%  $212,811
 47   Aegis Wholesale
        Corp.                12,932    $2,182,985,083    0.28%  $168,804
 48   E*TRADE Mortgage        9,301    $2,156,675,990    0.28%  $231,875
 49   Cendant Mortgage       11,617    $2,129,059,181    0.27%  $183,271
 50   National City Bank     31,217    $2,111,489,134    0.27%   $67,639
 51   Charter One Bank/
        Mortgage             19,041    $2,087,512,996    0.27%  $109,632
 52   American Mortgage
        Network              10,155    $1,912,176,868    0.24%  $188,299
 53   Pacific Republic
        Mortgage             10,824    $1,907,726,360    0.24%  $176,249
 54   WMC Mortgage           10,148    $1,826,057,571    0.23%  $179,942
 55   Sierra Pacific
        Mortgage              9,236    $1,799,650,428    0.23%  $194,851
 56   Fieldstone
        Mortgage             10,577    $1,758,284,555    0.22%  $166,236
 57   PHH Mortgage
        Services             10,223    $1,710,181,896    0.22%  $167,287
 58   BNC Mortgage            8,445    $1,656,046,137    0.21%  $196,097
 59   Fremont Bank            9,639    $1,622,226,240    0.21%  $168,298
 60   SCME Mortgage
        Bankers               8,638    $1,604,670,736    0.20%  $185,768
 61   U.S. Bank/ND           18,966    $1,579,818,745    0.20%   $83,297
 62   Ohio Savings Bank       8,041    $1,515,526,128    0.19%  $188,474
 63   Quicken Loans          10,124    $1,508,975,524    0.19%  $149,049
 64   Union Bank/CA           6,848    $1,462,932,704    0.19%  $213,629
 65   Branch Banking &
        Trust                12,651    $1,434,422,315    0.18%  $113,384
 66   Navy Federal
        Credit Union         10,088    $1,433,048,705    0.18%  $142,054
 67   Lehman Brothers
        Bank                  5,878    $1,343,849,130    0.17%  $228,623
 68   Decision One
        Mortgage              8,393    $1,328,417,895    0.17%  $158,276
 69   Homebanc Mortgage       8,320    $1,315,897,843    0.17%  $158,160
 70   Accredited Home
        Lenders               9,695    $1,311,583,159    0.17%  $135,284
 71   Amsouth Bank           12,889    $1,296,574,619    0.16%  $100,595
 72   Greenlight
        Financial             7,209    $1,294,859,353    0.16%  $179,617
 73   Chevy Chase Bank        4,790    $1,292,894,412    0.16%  $269,915
 74   Sterling Capital
        Mortgage              8,306    $1,281,846,063    0.16%  $154,327
 75   Union Federal Bank
        /Indianapolis         7,992    $1,262,295,244    0.16%  $157,944
 76   Fifth Third
        Mortgage              8,627    $1,247,000,380    0.16%  $144,546
 77   JP Morgan Chase
        Bank                  9,830    $1,245,256,030    0.16%  $126,679
 78   Mortgage Master         5,140    $1,222,240,241    0.15%  $237,789
 79   Coldwell Banker
        Mortgage              7,591    $1,193,958,372    0.15%  $157,286
 80   Third Federal S &
        L/Cleveland          11,127    $1,190,460,416    0.15%  $106,988
 81   South Trust
        Mortgage              8,116    $1,159,055,507    0.15%  $142,811
 82   CH Mortgage             6,715    $1,103,540,712    0.14%  $164,339
 83   Citicorp Trust
        Bank                  8,157    $1,079,903,542    0.14%  $132,389
 84   AAMES Home Loans        7,589    $1,071,605,722    0.13%  $141,205
 85   GN Mortgage             5,226    $1,061,202,130    0.13%  $203,062
 86   HUD                     5,670    $1,020,895,550    0.13%  $180,052
 87   Taylor Bean &
        Whitaker Mtg.         6,873    $1,017,781,852    0.13%  $148,084
 88   Encore Credit
        Corp.                 5,265    $1,014,962,142    0.13%  $192,775
 89   E-LOAN                  6,353    $1,008,955,935    0.13%  $158,815
 90   MIT Lending             4,511      $968,216,184    0.12%  $214,634
 91   Webster Bank            6,227      $947,356,448    0.12%  $152,136
 92   New Freedom
        Mortgage              8,130      $936,433,038    0.12%  $115,182
 93   InstaFI.com             4,696      $934,646,493    0.12%  $199,030
 94   Charles Schwab
        Bank                  5,303      $916,030,592    0.11%  $172,738
 95   Citizens Bank/MA        6,587      $915,498,870    0.11%  $138,985
 96   CoMunity Lending        4,886      $914,601,001    0.11%  $187,188
 97   Union Savings           7,290      $911,126,460    0.11%  $124,983
 98   Morgan Stanley
        Dean Witter           4,329      $892,891,505    0.11%  $206,258
 99   USAA FSB                9,887      $868,703,038    0.11%   $87,863
100   Pulte Mtg./Del
        Webb Mtg.             5,147      $860,069,019    0.11%  $167,101
101   Peoples Bank            4,302      $845,152,406    0.11%  $196,455
102   Resource
        Bancshares
        Mortgage              5,441      $839,230,540    0.10%  $154,241
103   M & T Mortgage          6,025      $837,018,399    0.10%  $138,924
104   HomeStreet Bank         5,253      $836,307,429    0.10%  $159,205
105   First Alliance
        Bank                  4,068      $833,899,994    0.10%  $204,990
106   Private Lender*         6,865      $831,419,484    0.10%  $121,109
107   Metrociti Mortgage      3,528      $826,934,682    0.10%  $234,391
108   George Mason
        Mortgage              4,240      $821,588,756    0.10%  $193,770
109   Citibank West           8,109      $798,671,245    0.10%   $98,491
110   Matrix Financial        4,869      $763,779,036    0.09%  $156,865
111   CMG Mortgage            2,983      $753,835,412    0.09%  $252,710
112   Bank of Hawaii          3,861      $751,960,733    0.09%  $194,758
113   Residential
        Mortgage
        Capital               2,541      $750,750,834    0.09%  $295,454
114   James B. Nutter &
        Co.                   6,635      $738,220,020    0.09%  $111,261
115   NovaStar Mortgage       5,033      $727,971,780    0.09%  $144,639
116   Huntington
        National Bank         8,124      $721,389,170    0.09%   $88,797
117   Universal American
        Mortgage              4,495      $716,176,595    0.09%  $159,327
118   Peoples Choice Home
        Loans                 4,401      $701,315,401    0.09%  $159,353
119   Clarion Mortgage
        Capital               3,294      $691,418,649    0.09%  $209,902
120   Cornerstone
        Mortgage              3,800      $683,668,209    0.08%  $179,912
121   Sovereign Bank          4,576      $675,541,140    0.08%  $147,627
122   Finance America         3,526      $671,766,902    0.08%  $190,518
123   AmeriGroup
        Mortgage              6,272      $671,690,780    0.08%  $107,093
124   M & I Marshall &
        Isley Bank            4,784      $646,715,319    0.08%  $135,182
125   Wilmington
        Financial             3,813      $636,615,654    0.08%  $166,959
126   Home Loan Center        3,215      $605,695,612    0.07%  $188,396
127   Peoples Mortgage        2,880      $602,846,251    0.07%  $209,321
128   BankUnited              3,727      $599,152,286    0.07%  $160,759
129   MidAmerica Bank         3,897      $591,850,762    0.07%  $151,873
130   Commercial Federal
        Bank                  5,915      $590,782,087    0.07%   $99,878
131   Compass Bank            6,467      $589,846,220    0.07%   $91,208
132   NE Moves Mortgage       2,335      $583,447,346    0.07%  $249,870
133   Plaza Home
        Mortgage              2,480      $575,312,944    0.07%  $231,981
134   Market Street
        Mortgage              3,838      $571,274,005    0.07%  $148,846
135   Mylor Financial         2,892      $562,317,171    0.07%  $194,438
136   ING Bank                3,722      $560,924,542    0.07%  $150,705
137   GMAC Bank               3,239      $560,721,693    0.07%  $173,115
138   Mortgage Investors
        Corp.                 5,568      $558,144,683    0.07%  $100,241
139   Commerce Bank           5,189      $557,720,680    0.07%  $107,481
140   Citizens Mortgage       3,053      $556,250,772    0.07%  $182,198
141   Seattle Financial
        Group                 2,670      $554,219,015    0.07%  $207,572
142   Liberty Mortgage        3,167      $550,419,309    0.07%  $173,798
143   Central Pacific
        Mortgage              2,886      $547,173,284    0.07%  $189,595
144   Pacific Guarantee
        Mortgage              1,937      $539,690,684    0.07%  $278,621
145   KB Home Mortgage        3,207      $538,629,112    0.07%  $167,954
146   Security National
        Mortgage              3,418      $531,710,657    0.06%  $155,561
147   Regions Bank            5,323      $531,276,338    0.06%   $99,807
148   Mortgage Capital        1,798      $527,777,483    0.06%  $293,535
149   KeyBank USA             5,775      $523,004,895    0.06%   $90,563
150   Prime Lending Inc.      3,313      $516,136,321    0.06%  $155,791
151   Boeing Employees
        Credit Union          4,910      $515,834,863    0.06%  $105,058
152   First National
        Bank/AZ               2,921      $512,883,147    0.06%  $175,584
153   CalDirect Home
        Loans                 2,933      $511,798,650    0.06%  $174,496
154   Cherry Creek
        Mortgage              2,807      $511,584,124    0.06%  $182,252
155   Pulaski Bank            4,080      $508,663,648    0.06%  $124,672
156   Financial Freedom
        Sr. Funding           1,837      $508,564,296    0.06%  $276,845
157   Wausau Mortgage         2,566      $502,175,412    0.06%  $195,703
158   Harris Trust &
        Savings Bank          3,120      $498,862,374    0.06%  $159,891
159   Centex Home Equity
        Corp.                 4,231      $498,188,106    0.06%  $117,747
160   Provident Savings
        Bank                  2,623      $497,946,049    0.06%  $189,838
161   United Financial
        Mortgage              2,575      $496,889,730    0.06%  $192,966
162   Secured Bankers
        Mortgage              2,738      $494,810,023    0.06%  $180,719
163   H & R Block
        Mortgage              3,562      $494,408,541    0.06%  $138,800
164   First National
        Bank                  4,518      $493,950,282    0.06%  $109,329
165   Southstar Funding       3,315      $491,549,920    0.06%  $148,280
166   PNC Bank                6,375      $491,279,258    0.06%   $77,063
167   Beneficial
        California Inc.       3,395      $481,728,502    0.06%  $141,893
168   Franklin American
        Mortgage              3,482      $481,167,707    0.06%  $138,187
169   Republic Bank           4,323      $479,534,133    0.06%  $110,926
170   Premier Mortgage
        Group                 2,167      $476,602,914    0.06%  $219,936
171   Colonial National
        Mortgage              3,249      $476,498,015    0.06%  $146,659
172   Bank of the West        4,013      $472,664,528    0.06%  $117,783
173   First Federal
        Bank/CA               1,339      $470,783,787    0.06%  $351,593
174   Washtenaw Mortgage      3,110      $470,365,811    0.06%  $151,243
175   Key Bank & Trust        5,653      $469,128,509    0.06%   $82,987
176   CIT Group/Consumer
        Finance               3,949      $464,799,565    0.06%  $117,700
177   First Republic
        Bank                  1,008      $461,624,307    0.06%  $457,960
178   HMS Capital             1,970      $459,843,650    0.05%  $233,423
179   Sovereign Bank          4,241      $457,184,915    0.05%  $107,801
180   Household Finance
        Corp./CA              2,797      $455,780,545    0.05%  $162,953
181   Weichert Financial
        Services              2,538      $454,951,524    0.05%  $179,255
182   First Mortgage          2,809      $454,903,081    0.05%  $161,944
183   Nova Financial &
        Investment            3,031      $453,592,752    0.05%  $149,651
184   Guild Mortgage          2,657      $447,394,339    0.05%  $168,383
185   South Trust Bank        5,756      $444,676,291    0.05%   $77,254
186   Household Finance
        Corp.                 5,083      $443,510,358    0.05%   $87,253
187   Meritage Mortgage       3,733      $439,471,470    0.05%  $117,726
188   State Employees
        FCU                   4,663      $436,559,841    0.05%   $93,622
189   First Savings
        Mortgage              1,693      $436,357,164    0.05%  $257,741
190   HSBC Mortgage           1,794      $427,652,671    0.05%  $238,379
191   Poli Mortgage
        Group                 1,642      $426,000,812    0.05%  $259,440
192   Loan Link
        Financial
        Services              1,497      $425,863,358    0.05%  $284,477
193   Nexstar Financial       3,164      $422,294,643    0.05%  $133,468
194   PricelineMortgage       1,873      $419,737,394    0.05%  $224,098
195   Olympus Mortgage        1,901      $414,669,142    0.05%  $218,132
196   Wells Fargo Home
        Mortgage/HI           1,560      $413,580,080    0.05%  $265,115
197   Ivanhoe Financial
        Bank                  3,076      $413,234,992    0.05%  $134,341
198   Ryland Mortgage         2,487      $412,304,024    0.05%  $165,783
199   First Banc Home
        Mortgage              2,332      $411,814,906    0.05%  $176,593
200   First New England
        Mortgage              1,759      $408,919,684    0.05%  $232,472
      Other
        Institutional
        Lender(s)         1,603,815  $223,678,312,464   29.17%  $139,466
      Total               4,945,177  $766,804,117,433  100.00%  $155,061

*"Private Lender" refers to a combination of private individual lenders
and/or a lender producing fewer than 10 loans.

SOURCE: First American Real Estate Solutions, Anaheim, California. Marketrac[R] data is collected and compiled from publicly recorded transactions provided by county government offices in 44 states and 497 counties, representing the major urban and suburban areas most predictive of lender market share. First American Real Estate Solutions is the nation's largest collector and provider of real estate information. Coverage consists of more than 100 million parcels within 50 states and 1,370 county and municipal government offices. Updates are done daily, with more than 2 million property and mortgage transactions completed per month, representing 85 percent of all activity in the United States. Products include property data and maps, automated valuation models, profilling and lead-generation tools for customer acquisition and retention, lien release programs, legal and vesting reports, market analysis and statistical products, document images, MLS applications, flood data, neighborhood profiles, crime data, printed aerial maps, published reports, custom research services and custom product development services. Data delivery methods include: browsers, XML, private-label solutions, Windows[R] desktop solutions, wireless and bulk licensing arrangements. For more information on First American Real Estate Solutions, call [phone] or visit www.firstamres.com.