FY 1999 SINGLE FAMILY MORTGAGE SERVICING



FY 1999 SINGLE FAMILY MORTGAGE SERVICING

LOSS MITIGATION PERFORMANCE ANALYSIS

High, Medium-High, Medium-Low, and Low Volume Servicers

Prepared January 2000

S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S

FY 1999 Actual Loss/

Svcr Servicer Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased

Name Loans Rate Score Total Score Homeowner Homeowner Area SCORE Incentives

ID * Scored Score

High Volume

68013 ATLANTIC MORTGAGE AND 136,542 0.185 -0.847 -0.589 0 -0.025 -0.025 -0.639 Yes

39276 MIDLAND MORTGAGE CO 272,583 0.893 -1.010 -0.535 0 -0.05 -0.05 -0.635 Yes

MUL4 GMAC MORTGAGE CORP 114,282 0.164 -0.584 -0.397 0 -0.05 -0.025 -0.472 Yes

77396 FIRST NATIONWIDE MORTGAGE CORP 204,810 0.110 -0.211 -0.131 -0.025 -0.05 -0.025 -0.231 Yes

75640 PRINCIPAL RESIDENTIAL MORTGAGE INC 185,345 -0.015 -0.188 -0.145 0 -0.025 0 -0.170 Yes

13103 SOURCE ONE MORTGAGE 145,124 -0.290 0.087 -0.007 0 -0.05 -0.05 -0.107 No

MUL6 NORWEST MORTGAGE 637,763 0.335 -0.118 -0.005 -0.025 -0.025 -0.025 -0.080 No

MUL3 FLEET MORTGAGE 246,436 0.031 0.027 0.028 0 -0.05 -0.025 -0.047 No

64141 COUNTRYWIDE HOME LOANS INC 449,165 0.030 0.077 0.066 0 -0.05 -0.025 -0.009 No

73815 BANK UNITED 100,490 0.312 0.149 0.190 0 -0.05 -0.025 0.115 No

MUL1 BANK OF AMERICA NA 255,026 0.240 0.207 0.215 0 -0.025 -0.025 0.165 No

MUL2 CHASE MANHATTAN MORTGAGE 491,723 0.143 0.542 0.443 0 -0.05 -0.025 0.368 No

MUL5 HOMESIDE LENDING INC 406,008 0.023 0.654 0.496 0 -0.025 -0.025 0.446 No

Subtotal 3,645,297 loans scored for 13 servicers

Medium High Volume

19234 COLUMBIA NATIONAL INCORPORATED 23,559 -0.173 -0.949 -0.755 -0.025 -0.025 -0.025 -0.830 Yes

71160 CHARTER BANK FOR SAVINGS FSB 10,360 -0.220 -0.833 -0.680 -0.05 -0.05 -0.05 -0.830 Yes

11303 DOVENMUEHLE MORTGAGE INC 11,826 -0.327 -0.825 -0.701 -0.05 -0.025 -0.05 -0.826 Yes

22963 TCF MORTGAGE CORPORATION 11,508 -0.433 -0.863 -0.755 0 0 -0.025 -0.780 Yes

79854 BANK OF OKLAHOMA NA 19,114 -0.331 -0.793 -0.677 0 0 0 -0.677 Yes

74525 TRANSWORLD MORTGAGE CORP 18,893 -0.069 -0.777 -0.600 0 -0.025 -0.05 -0.675 Yes

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S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S

FY 1999 Actual Loss/

Svcr Servicer Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased

Name Loans Rate Score Total Score Homeowner Homeowner Area SCORE Incentives

ID * Scored Score

01172 REGIONS MORTGAGE INC 81,410 0.288 -0.950 -0.641 0 -0.025 0 -0.666 Yes

51272 COLONIAL SAVINGS FA 27,561 -0.194 -0.745 -0.607 0 -0.025 0 -0.632 Yes

24654 GERSHMAN INVESTMENT CORP 15,219 -0.326 -0.637 -0.559 0 -0.025 -0.025 -0.609 Yes

30084 CENLAR FEDERAL SAVINGS BANK 35,330 -0.097 -0.679 -0.533 0 -0.05 -0.025 -0.608 Yes

30275 CENDANT MORTGAGE CORPORATION 15,547 0.151 -0.753 -0.527 -0.025 -0.05 0 -0.602 Yes

38142 LEADER MORTGAGE COMPANY 53,806 0.020 -0.672 -0.499 -0.05 -0.025 -0.025 -0.599 Yes

17158 STANDARD MORTGAGE CORPORATION 11,483 -0.376 -0.454 -0.434 -0.025 -0.05 -0.05 -0.559 Yes

13621 WATERFIELD MORTGAGE CO INC 55,808 -0.216 -0.631 -0.528 0 0 -0.025 -0.553 Yes

76038 MARKET STREET MORTGAGE 12,778 -0.157 -0.616 -0.501 0 -0.025 -0.025 -0.551 Yes

16001 FIRSTAR BANK NA 71,656 0.173 -0.635 -0.433 -0.025 -0.025 -0.05 -0.533 No

09272 SUNTRUST MORTGAGE INC 10,599 -0.258 -0.602 -0.516 0 0 0 -0.516 No

24893 CITICORP MORTGAGE INC 12,209 -0.114 -0.485 -0.392 0 -0.05 -0.05 -0.492 No

10757 AURORA LOAN SERVICES INC 97,468 1.226 -0.928 -0.390 0 -0.05 -0.05 -0.490 No

75834 TEMPLE-INLAND MORTGAGE 25,902 -0.092 -0.535 -0.424 0 -0.025 -0.025 -0.474 No

08411 ALLIANCE MORTGAGE CO 31,262 -0.148 -0.423 -0.354 -0.025 -0.05 -0.025 -0.454 No

63093 R&G MORTGAGE CORP 50,848 0.306 -0.566 -0.348 0 -0.05 -0.05 -0.448 No

75326 NORTH AMERICAN MORTGAGE 68,304 -0.230 -0.359 -0.327 -0.025 -0.05 -0.025 -0.427 No

21083 STANDARD FEDERAL BANK 27,478 -0.064 -0.327 -0.261 -0.025 -0.025 -0.05 -0.361 No

12621 PNC MORTGAGE CORP OF AMERICA 82,202 0.312 -0.468 -0.273 -0.025 -0.025 -0.025 -0.348 No

26426 COMMERICAL FEDERAL MORTGAGE 52,243 0.026 -0.434 -0.319 -0.025 0 0 -0.344 No

54179 CRESTAR MORTGAGE CORPORATION 17,609 -0.182 -0.306 -0.275 -0.025 -0.025 0 -0.325 No

38092 NATIONAL CITY MORTGAGE CO 75,577 -0.222 -0.201 -0.206 0 -0.025 -0.025 -0.256 No

22880 KNUTSON MORTGAGE CORPORATION 15,868 -0.286 -0.022 -0.088 -0.05 0 -0.05 -0.188 No

24671 JAMES B NUTTER AND COMPANY 30,246 -0.419 -0.068 -0.156 0 0 0 -0.156 No

75864 M AND T MORTGAGE CORPORATION 15,897 -0.402 0.057 -0.057 0 -0.025 -0.05 -0.132 No

24075 MERCANTILE BANK NA 21,228 0.227 -0.166 -0.068 0 -0.025 -0.025 -0.118 No

23155 TRUSTMARK NATIONAL BANK 14,643 -0.037 -0.033 -0.034 -0.025 -0.05 0 -0.109 No

70714 NATIONWIDE HOME MORTGAGE 20,006 -0.228 -0.031 -0.080 -0.025 0 0 -0.105 No

34429 HSBC BANK USA 17,952 0.022 -0.047 -0.030 -0.025 -0.025 -0.025 -0.105 No

64308 FIRST MORTGAGE CORPORATION 10,420 -0.377 0.120 -0.004 0 -0.05 -0.05 -0.104 No

21815 STERLING BANK AND TRUST FSB 11,832 0.055 0.031 0.037 -0.025 -0.025 -0.05 -0.063 No

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S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S

FY 1999 Actual Loss/

Svcr Servicer Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased

Name Loans Rate Score Total Score Homeowner Homeowner Area SCORE Incentives

ID * Scored Score

30023 GE CAPITAL MORTGAGE SER INC 95,110 -0.031 0.046 0.027 0 -0.025 -0.025 -0.023 No

34471 CHARTER ONE MORTGAGE CORP 18,288 0.316 -0.062 0.033 -0.025 -0.025 0 -0.017 No

24361 CHARLES F CURRY CO 20,775 0.095 0.019 0.038 0 -0.025 -0.025 -0.012 No

10101 IDAHO HOUSING AND FINANCE ASSN 12,001 -0.349 0.246 0.098 -0.05 0 0 0.048 No

42581 PENNSYLVANIA HOUSING FIN AGCY 13,678 -0.242 0.281 0.150 -0.05 0 -0.05 0.050 No

35214 FIRST UNION MORTGAGE CORP 63,367 0.154 0.121 0.129 0 -0.025 -0.025 0.079 No

76548 OLD KENT MORTGAGE COMPANY 39,363 0.027 0.272 0.210 0 -0.05 -0.05 0.110 No

52070 CROSSLAND MORTGAGE 25,383 -0.124 0.365 0.243 -0.025 -0.05 -0.05 0.118 No

13797 MATRIX FINANCIAL SERVICES CORP 11,549 2.090 -0.392 0.229 0 -0.025 -0.05 0.154 No

63001 BANCO POPULAR DE PUERTO RICO 50,111 1.382 -0.100 0.270 0 -0.05 -0.05 0.170 No

13779 IRWIN MORTGAGE CORPORATION 64,035 -0.172 0.525 0.351 -0.025 -0.025 -0.025 0.276 No

39318 MORTGAGE CLEARING CORPORATION 10,143 -0.352 0.754 0.477 -0.025 0 -0.025 0.427 No

15565 FT MORTGAGE COMPANIES 90,120 0.303 0.741 0.632 -0.025 -0.025 -0.025 0.557 No

49001 UNION PLANTERS NATIONAL BANK 89,696 2.105 0.397 0.824 0 -0.05 0 0.774 No

Subtotal 1,789,270 loans scored for 51 servicers

Medium Low Volume

51835 ROCKY MOUNTAIN MORTGAGE CO 3,425 -0.464 -1.273 -1.071 -0.05 -0.05 -0.025 -1.196 Yes

75561 WELLS FARGO BANK NA 1,423 -0.330 -1.413 -1.142 0 -0.025 -0.025 -1.192 Yes

21571 GENERAL MORTGAGE CORPORATION 1,256 0.251 -1.178 -0.821 -0.05 -0.05 -0.05 -0.971 Yes

35050 TRIANGLE BANK 2,760 0.084 -1.186 -0.868 -0.05 -0.025 -0.025 -0.968 Yes

35234 CENTURA BANK 2,808 -0.278 -1.038 -0.848 -0.05 -0.025 0 -0.923 Yes

36006 GATE CITY FEDERAL SAVINGS BANK 1,880 -0.327 -1.015 -0.843 -0.05 -0.025 0 -0.918 Yes

64114 CALIFORNIA MORTGAGE SERVICE 1,027 -0.464 -1.012 -0.875 0 0 0 -0.875 Yes

70101 ESSEX HOME MORTGAGE SERVG CORP 2,155 -0.267 -0.937 -0.770 0 -0.05 -0.05 -0.870 Yes

25122 STREETER BROTHERS MTG CORP 1,171 -0.274 -1.033 -0.843 -0.025 0 0 -0.868 Yes

70402 SECURITY MORTGAGE CORPORATION 2,677 -0.434 -0.903 -0.786 -0.05 0 -0.025 -0.861 Yes

01366 MORTGAGEAMERICA INC 1,994 -0.309 -1.043 -0.860 0 0 0 -0.860 Yes

60036 BANC ONE MORTGAGE CORPORATION 2,247 -0.451 -0.909 -0.794 0 -0.025 -0.025 -0.844 Yes

17003 HIBERNIA NATIONAL BANK 8,662 -0.405 -0.874 -0.757 -0.025 -0.025 0 -0.807 Yes

64439 CAPITAL PACIFIC MTGE CO 1,080 -0.265 -0.872 -0.720 0 -0.025 -0.05 -0.795 Yes

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S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S

FY 1999 Actual Loss/

Svcr Servicer Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased

Name Loans Rate Score Total Score Homeowner Homeowner Area SCORE Incentives

ID * Scored Score

70246 FIRST COMMERCE MORTGAGE CO 2,091 -0.428 -0.879 -0.767 -0.025 0 0 -0.792 Yes

23009 BANCORPSOUTH BANK 4,575 -0.314 -0.861 -0.724 -0.025 -0.025 0 -0.774 Yes

52145 ZIONS FIRST NATIONAL BANK 1,438 -0.390 -0.854 -0.738 0 0 0 -0.738 Yes

51370 MITCHELL MORTGAGE COMPANY LLC 1,920 -0.190 -0.920 -0.738 0 0 0 -0.738 Yes

57848 M AND I MORTGAGE CORP 5,935 -0.373 -0.816 -0.705 -0.025 0 0 -0.730 Yes

33201 CITIBANK NA 1,946 0.712 -1.023 -0.589 -0.025 -0.05 -0.05 -0.714 Yes

12578 CROWN MORTGAGE COMPANY 6,282 -0.399 -0.719 -0.639 -0.025 -0.025 0 -0.689 Yes

51028 TURNER-YOUNG INVESTMENT CO 1,888 -0.334 -0.799 -0.683 0 0 0 -0.683 Yes

49222 CURTIS MORTGAGE COMPANY INC. 4,829 -0.401 -0.739 -0.655 0 0 0 -0.655 Yes

57732 UNIVERSAL MORTGAGE 4,793 -0.163 -0.703 -0.568 -0.025 -0.025 -0.025 -0.643 Yes

73991 MVB MORTGAGE CORPORATION 4,426 0.203 -0.756 -0.516 -0.025 -0.05 -0.05 -0.641 Yes

21490 UNIVERSAL AMERICAN MORTGAGE CO 7,135 -0.258 -0.688 -0.581 0 -0.05 0 -0.631 Yes

09497 GEORGIA HOUSING-FINANCE 4,010 0.320 -0.746 -0.480 -0.05 -0.05 -0.05 -0.630 Yes

21645 GUARDIAN MORTGAGE COMPANY INC 3,317 -0.440 -0.669 -0.612 0 0 0 -0.612 Yes

24907 EQUALITY MORTGAGE CORPORATION 1,634 0.379 -0.787 -0.496 -0.05 -0.025 -0.025 -0.596 Yes

16396 KENTUCKY HOUSING CORPORATION 7,292 -0.437 -0.575 -0.540 -0.05 0 0 -0.590 Yes

35361 MARSH ASSOCIATES INC 3,475 -0.285 -0.520 -0.461 -0.05 -0.025 -0.05 -0.586 No

01113 SOUTHTRUST MORTGAGE CORP 9,215 -0.131 -0.704 -0.561 0 -0.025 0 -0.586 No

51027 MERITECH MORTGAGE SERVICES INC 1,608 -0.406 -0.568 -0.527 0 -0.025 -0.025 -0.577 No

21451 SOURCE ONE MORTGAGE SERV CORP 7,103 0.530 -0.786 -0.457 0 -0.05 -0.05 -0.557 No

21780 BENCHMARK MORTGAGE 2,570 -0.269 -0.608 -0.524 0 0 -0.025 -0.549 No

01310 COLONIAL MORTGAGE COMPANY 7,736 -0.212 -0.590 -0.496 -0.025 -0.025 0 -0.546 No

61006 BANK OF HAWAII 1,249 -0.450 -0.364 -0.385 -0.05 -0.05 -0.05 -0.535 No

64325 CALIFORNIA HOUSING FINANCE 3,657 -0.028 -0.494 -0.378 -0.05 -0.05 -0.05 -0.528 No

03021 SUPERIOR FEDERAL BANK FSB 1,850 -0.322 -0.582 -0.517 0 0 0 -0.517 No

15468 FIDELITY BANK 6,497 -0.267 -0.548 -0.478 0 0 0 -0.478 No

59006 NATIONAL BANK OF ALASKA 8,020 -0.445 -0.458 -0.454 0 0 0 -0.454 No

73622 BROADVIEW MORTGAGE COMPANY 1,302 0.093 -0.489 -0.344 -0.025 -0.025 -0.05 -0.444 No

75273 NVR MORTGAGE FINANCE INC 1,143 -0.405 -0.341 -0.357 -0.025 -0.05 0 -0.432 No

08282 MCCAUGHAN MORTGAGE CO INC 2,036 -0.453 -0.360 -0.384 0 -0.025 0 -0.409 No

21794 DMR FINANCIAL SERVICES INC 5,918 0.104 -0.431 -0.297 -0.025 -0.025 -0.05 -0.397 No

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S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S

FY 1999 Actual Loss/

Svcr Servicer Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased

Name Loans Rate Score Total Score Homeowner Homeowner Area SCORE Incentives

ID * Scored Score

36242 NORTH DAKOTA HOUSING FIN AGENCY 4,399 -0.197 -0.385 -0.338 -0.05 0 0 -0.388 No

77678 DRAPER AND KRAMER MORTGAGE 1,619 -0.223 -0.409 -0.363 -0.025 0 0 -0.388 No

09558 SUNSHINE MORTGAGE CORP 1,715 -0.275 -0.376 -0.351 0 -0.025 0 -0.376 No

24894 FIRST BANK 2,791 -0.387 -0.329 -0.343 0 0 -0.025 -0.368 No

12703 LASALLE HOME MORTGAGE CORP 7,370 -0.115 -0.446 -0.364 0 0 0 -0.364 No

24905 TOWN AND COUNTRY MORTGAGE CO 2,900 -0.461 -0.217 -0.278 -0.05 0 -0.025 -0.353 No

48170 HOME FEDERAL SAVINGS BANK 4,603 -0.394 -0.256 -0.291 -0.05 0 0 -0.341 No

24821 DELMAR FINANCIAL COMPANY 7,556 0.159 -0.356 -0.227 -0.025 -0.05 -0.025 -0.327 No

04718 GUILD MORTGAGE COMPANY 8,237 -0.152 -0.198 -0.187 -0.025 -0.05 -0.05 -0.312 No

15560 REGIONAL INVESTMENT CO 4,563 -0.209 -0.254 -0.243 -0.025 0 -0.025 -0.293 No

38358 SECURITY SAVINGS MORTGAGE CORP 1,064 -0.421 -0.149 -0.217 -0.05 0 -0.025 -0.292 No

35029 BRANCH BANKING AND TRUST CO 9,720 -0.203 -0.194 -0.197 -0.025 -0.025 0 -0.247 No

55017 WASHINGTON MUTUAL BANK 9,234 -0.260 -0.139 -0.169 -0.025 0 -0.025 -0.219 No

15625 CORINTHIAN MORTGAGE CORP 4,316 -0.274 -0.133 -0.168 0 -0.025 -0.025 -0.218 No

55582 CONTINENTAL SAVINGS BANK 8,943 -0.305 -0.040 -0.106 -0.025 0 -0.05 -0.181 No

51408 VALLEY MORTGAGE COMPANY INC 1,043 -0.338 0.098 -0.011 -0.05 -0.05 -0.025 -0.136 No

35127 PFEFFERKORN CO 5,117 -0.412 0.092 -0.034 -0.05 -0.025 0 -0.109 No

71247 HUNTINGTON MORTGAGE COMPANY 1,319 0.057 -0.099 -0.060 -0.025 0 0 -0.085 No

39325 MERCURY MORTGAGE CO INC 5,286 -0.413 0.131 -0.005 -0.025 0 -0.025 -0.055 No

54521 VIRGINIA HOUSING DEV AUT 6,852 -0.219 0.173 0.075 -0.05 -0.025 0 0.000 No

47108 FIRST CITIZENS BANK AND TR CO 4,924 -0.442 0.311 0.123 -0.05 -0.025 -0.025 0.023 No

06230 MCCUE MORTGAGE COMPANY 5,732 0.131 0.091 0.101 -0.05 0 -0.025 0.026 No

52167 UTAH HOUSING FINANCE AGENCY 6,093 -0.115 0.182 0.107 -0.05 0 -0.025 0.032 No

56243 WEST VIRGINIA HOUSING DEV FUND 4,092 -0.336 0.249 0.103 -0.05 0 0 0.053 No

21658 UNIVERSAL MORTGAGE CORP 2,067 0.471 0.094 0.188 -0.05 0 -0.05 0.088 No

32053 PIONEER SAVINGS BANK 2,883 -0.453 0.309 0.119 0 -0.025 0 0.094 No

19472 BOGMAN INC 1,891 0.102 0.257 0.218 -0.05 -0.025 -0.025 0.118 No

13461 CALUMET SECURITIES CORPORATION 2,711 -0.400 0.365 0.174 -0.05 0 0 0.124 No

63011 FIRST BANK-PR 1,847 -0.256 0.385 0.225 0 -0.05 -0.05 0.125 No

05366 COLORADO HOUSING FINANCE AUTH 6,145 0.081 0.367 0.296 -0.05 -0.05 -0.05 0.146 No

77528 UNION PLANTERS PMAC INC 1,112 -0.427 0.406 0.198 0 -0.05 0 0.148 No

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S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S

FY 1999 Actual Loss/

Svcr Servicer Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased

Name Loans Rate Score Total Score Homeowner Homeowner Area SCORE Incentives

ID * Scored Score

01422 NEW SOUTH FEDERAL SAVINGS BANK 9,921 0.550 0.117 0.225 -0.025 -0.025 -0.025 0.150 No

55220 SEATTLE MORTGAGE COMPANY 2,116 -0.465 0.410 0.191 0 0 0 0.191 No

49522 FIRST TRUST MORTGAGE COMPANY 1,434 2.002 -0.193 0.356 -0.05 -0.05 -0.05 0.206 No

51706 HARBOR FINANCIAL MORTGAGE CORP 7,034 2.370 -0.313 0.358 -0.025 -0.05 -0.05 0.233 No

04586 WMC MORTGAGE CORP 2,532 -0.456 0.620 0.351 -0.05 -0.05 0 0.251 No

76062 RBMG INC 8,326 -0.381 0.575 0.336 -0.025 -0.025 -0.025 0.261 No

46049 RHODE ISLAND HSG MTGE FIN CORP 2,316 -0.355 0.630 0.384 -0.05 -0.025 -0.025 0.284 No

25095 WESTERN SECURITY BANK 2,599 -0.125 0.455 0.310 -0.025 0 0 0.285 No

13745 TRUSTCORP MORTGAGE COMPANY 8,862 -0.341 0.592 0.358 -0.025 0 -0.025 0.308 No

58109 WYOMING COMMUNITY DEV AUTH 4,569 0.046 0.511 0.395 -0.05 0 0 0.345 No

47230 SOUTH CAROLINA STATE HSG FDA 3,800 0.097 0.580 0.460 -0.05 -0.025 -0.025 0.360 No

19408 CHEVY CHASE SAVINGS BANK FSB 1,338 -0.447 0.781 0.474 -0.025 -0.05 -0.025 0.374 No

36069 BANK OF NORTH DAKOTA 1,902 -0.453 0.681 0.397 0 0 0 0.397 No

77487 REPUBLIC BANK 2,299 0.339 0.512 0.469 0 -0.025 -0.025 0.419 No

20213 FAMILY BANK FSB 2,373 -0.267 0.748 0.494 -0.05 0 0 0.444 No

21799 TOWNE MORTGAGE AND REALTY CO 2,333 -0.328 0.803 0.520 0 -0.025 -0.05 0.445 No

59034 ALASKA USA FEDERAL CREDIT UNION 3,612 -0.430 0.764 0.466 0 0 0 0.466 No

63152 SANTANDER MORTGAGE CORP 3,882 -0.389 0.894 0.574 0 -0.05 -0.05 0.474 No

72080 AMERIHOME MORTGAGE CORPORATION 1,403 -0.297 0.896 0.598 0 0 -0.05 0.548 No

19298 ALLFIRST BANK 1,401 1.269 0.510 0.700 -0.05 -0.05 -0.05 0.550 No

74649 EMC MORTGAGE CORPORATION 1,908 4.815 -0.541 0.798 -0.025 -0.05 -0.05 0.673 No

71274 FLAGSTAR BANK FSB 4,404 -0.385 1.159 0.773 -0.025 0 -0.05 0.698 No

94066 GNMA-WATERS MORTGAGE CORP 1,298 3.888 -0.087 0.907 0 -0.05 -0.05 0.807 No

06060 WEBSTER BANK 6,083 -0.362 1.441 0.990 -0.05 0 -0.025 0.915 No

38398 LIBERTY MORTGAGE CO INC 1,024 0.416 1.293 1.074 0 0 -0.05 1.024 No

72313 LITTON LOAN SERVICING LP 6,183 8.462 -0.204 1.963 -0.025 -0.05 -0.05 1.838 No

25134 GLACIER BANK FSB 1,068 -0.465 2.752 1.948 -0.025 -0.05 0 1.873 No

64102 MISSION HILLS MORTGAGE CORP 4,731 -0.415 3.689 2.663 -0.025 -0.05 -0.05 2.538 No

58002 FIRST INTERSTATE BANK WY 3,762 -0.391 4.342 3.158 -0.05 0 0 3.108 No

70708** COLORADO SPRINGS SAVINGS ALA 1,397 0.095 -0.423 -0.294 -0.05 -0.05 -0.05 -0.444 No

Subtotal 405,509 loans scored for 106 servicers

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S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S

FY 1999 Actual Loss/

Svcr Servicer Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased

Name Loans Rate Score Total Score Homeowner Homeowner Area SCORE Incentives

ID * Scored Score

Low Volume

54281 LIFE SAVINGS BANK FSB 135 -0.459 -1.465 -1.214 0 0 -0.025 -1.239 Yes

73452 VNB MORTGAGE SERVICES INC 747 -0.371 -1.356 -1.110 -0.05 -0.025 -0.05 -1.235 Yes

47017 FIRST FEDERAL SAVINGS AND LN 339 -0.462 -1.433 -1.190 -0.025 0 0 -1.215 Yes

21484 FIRST OF AMERICA LOAN SERVICES 255 -0.459 -1.409 -1.172 0 0 -0.025 -1.197 Yes

24038 HEARTLAND SAVINGS BANK FSB 537 -0.419 -1.389 -1.147 -0.025 0 0 -1.172 Yes

35326 WACHOVIA MORTGAGE COMPANY 484 -0.437 -1.323 -1.102 -0.025 -0.025 0 -1.152 Yes

29318 HUDSON CITY SAVINGS BANK 307 -0.421 -1.386 -1.145 0 0 0 -1.145 Yes

39022 LOCAL FEDERAL BANK FSB 533 -0.465 -1.333 -1.116 -0.025 0 0 -1.141 Yes

33591 RELIANCE FEDERAL SAVINGS BANK 220 -0.308 -1.412 -1.136 0 0 0 -1.136 Yes

38072 YERKE MORTGAGE CO 887 -0.205 -1.422 -1.117 0 0 0 -1.117 Yes

09359 LIBERTY MORTGAGE CORP 566 -0.463 -1.247 -1.051 0 -0.05 0 -1.101 Yes

06153 AMERICAN SAVINGS BANK 710 -0.148 -1.302 -1.014 -0.05 0 -0.025 -1.089 Yes

56072 ONE VALLEY BANK NA 891 -0.448 -1.229 -1.033 -0.05 0 0 -1.083 Yes

04712 DOWNEY SAVINGS AND LOAN ASSN 870 -0.461 -1.215 -1.027 0 0 0 -1.027 Yes

72609 JEFFERSON MORTGAGE SERV INC 541 -0.380 -1.237 -1.023 0 0 0 -1.023 Yes

74697 FIRST BANKERS MORTGAGE CORP 757 -0.378 -1.146 -0.954 0 -0.025 -0.025 -1.004 Yes

75173 SECURED BANKERS MORTGAGE CO 113 -0.329 -1.028 -0.854 -0.05 -0.05 -0.05 -1.004 Yes

30280 COUNTY MORTGAGE COMPANY INC 517 0.640 -1.367 -0.865 -0.025 -0.05 -0.05 -0.990 Yes

71206 OLYMPIA MORTGAGE CORPORATION 143 -0.411 -0.986 -0.842 -0.025 -0.05 -0.05 -0.967 Yes

06141 SAVINGS BANK OF MANCHESTER 325 -0.464 -1.063 -0.913 -0.05 0 0 -0.963 Yes

21736 FIRST CHICAGO NBD MORTGAGE CO 585 -0.425 -0.992 -0.850 -0.05 0 -0.025 -0.925 Yes

18137 KINGFIELD SAVINGS BANK 147 -0.006 -1.161 -0.872 -0.05 0 0 -0.922 Yes

70136 COASTAL BANC SSB 990 -0.427 -1.073 -0.912 0 0 0 -0.912 Yes

79999 BANK OF AMERICA CYPRESS 409 -0.178 -1.130 -0.892 0 0 0 -0.892 Yes

52091 BANK OF UTAH 115 -0.430 -1.044 -0.890 0 0 0 -0.890 Yes

19434 MERCANTILE MORTGAGE CORP 935 -0.380 -0.900 -0.770 -0.05 -0.05 0 -0.870 No

04299 PFF BANK AND TRUST 57 -0.023 -1.004 -0.759 0 -0.05 -0.05 -0.859 No

57849 FIRSTAR HOME MORTGAGE CORP 335 -0.262 -1.019 -0.830 0 0 0 -0.830 No

32135 NEW MEXICO MTG FIN AUTHORITY 751 0.336 -1.163 -0.788 0 0 0 -0.788 No

Page 7

S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S

FY 1999 Actual Loss/

Svcr Servicer Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased

Name Loans Rate Score Total Score Homeowner Homeowner Area SCORE Incentives

ID * Scored Score

50589 FIRST FEDERAL SAVINGS AND LOAN 127 0.219 -1.122 -0.787 0 0 0 -0.787 No

25002 FIRST INTERSTATE BANK 476 -0.351 -0.912 -0.772 0 0 0 -0.772 No

03335 PULASKI MORTGAGE CO 453 -0.453 -0.874 -0.769 0 0 0 -0.769 No

10245 HOME MORTGAGE INC 516 -0.454 -0.824 -0.731 0 0 -0.025 -0.756 No

54413 FIRST FEDERAL SAVINGS BANK 67 -0.384 -0.880 -0.756 0 0 0 -0.756 No

71398 MCA MORTGAGE CORPORATION 163 -0.373 -0.795 -0.690 0 0 -0.05 -0.740 No

24850 MISSOURI HOUSING DEV COMM 83 0.408 -1.121 -0.739 0 0 0 -0.739 No

51606 ACCUBANC MORTGAGE CORPORATION 991 -0.427 -0.695 -0.628 -0.025 -0.05 -0.025 -0.728 No

32133 SUBURBAN MORTGAGE CO OF NM 856 -0.346 -0.840 -0.717 0 0 0 -0.717 No

34189 MID-ISLAND EQUITIES CORP 127 -0.444 -0.604 -0.564 -0.025 -0.05 -0.05 -0.689 No

75636 BANK OF AMERICA FSB 668 0.345 -0.993 -0.659 0 0 0 -0.659 No

72475 FIRST AMERICAN BANK TEXAS SSB 525 -0.394 -0.704 -0.627 0 0 0 -0.627 No

01174 COLLATERAL MORTGAGE LTD 190 -0.395 -0.701 -0.625 0 0 0 -0.625 No

70560 SIERRA PACIFIC MORTGAGE 132 -0.451 -0.592 -0.556 0 0 0 -0.556 No

03221 GUARANTY LOAN AND REAL ESTATE 541 -0.198 -0.463 -0.397 0 0 -0.05 -0.447 No

03329 FIRST COMMERCIAL MORTGAGE CO 312 0.079 -0.596 -0.427 0 0 0 -0.427 No

30323 AURORA FINANCIAL GROUP INC 916 0.100 -0.452 -0.314 -0.05 -0.025 -0.025 -0.414 No

60136 INDEPENDENCE FEDERAL BANK 116 -0.337 -0.425 -0.403 0 0 0 -0.403 No

26003 FIRST NATIONAL BANK 638 -0.376 -0.261 -0.290 0 0 0 -0.290 No

17254 AULDS HORNE AND WHITE INV CORP 787 -0.330 -0.218 -0.246 -0.025 0 0 -0.271 No

75553 CIMARRON MORTGAGE COMPANY 665 -0.276 -0.145 -0.178 -0.025 -0.05 0 -0.253 No

55145 WASHINGTON FEDERAL SAVINGS AND 77 -0.355 -0.218 -0.252 0 0 0 -0.252 No

38314 RYLAND MORTGAGE CO 422 -0.416 -0.190 -0.247 0 0 0 -0.247 No

07046 GILPIN FINANCIAL SERVICES INC 144 -0.181 -0.199 -0.195 -0.05 0 0 -0.245 No

58070 WALLICK AND VOLK INC 256 0.838 -0.548 -0.202 0 0 0 -0.202 No

61007 FIRST HAWAIIAN BANK 385 -0.461 0.056 -0.073 -0.05 -0.05 0 -0.173 No

75252 JUPITER MORTGAGE CORP 737 -0.060 -0.118 -0.103 0 -0.025 -0.025 -0.153 No

06245 NORTH AMERICAN BANK AND TR CO 150 -0.445 0.025 -0.093 0 0 0 -0.093 No

77388 STANDARD MORTGAGE CORP GEORGIA 677 -0.391 0.250 0.090 -0.05 -0.05 -0.05 -0.060 No

72033 HOMESTEAD MORTGAGE COMPANY 293 0.152 0.001 0.039 -0.05 0 -0.025 -0.036 No

39390 FIRST BANK OKLAHOMA 231 0.478 -0.201 -0.031 0 0 0 -0.031 No

Page 8

S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S

FY 1999 Actual Loss/

Svcr Servicer Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased

Name Loans Rate Score Total Score Homeowner Homeowner Area SCORE Incentives

ID * Scored Score

64602 LANCASTER MORTGAGE SERVICES 263 0.488 -0.125 0.028 0 -0.025 0 0.003 No

05421 MOUNTAIN VIEW MORTGAGE COPMANY 652 -0.244 0.096 0.011 0 0 0 0.011 No

37009 FIFTH THIRD BANK 913 -0.463 0.291 0.102 -0.05 0 -0.025 0.027 No

23026 PEOPLES BANK AND TRUST CO TUPELO 193 -0.412 0.200 0.047 0 0 0 0.047 No

03062 FIRST FINANCIAL BANK FSB 257 -0.379 0.226 0.074 0 0 0 0.074 No

39329 HARRY MORTGAGE COMPANY 853 -0.354 0.307 0.142 0 0 -0.05 0.092 No

70698 INTERMOUNTAIN MORTGAGE CO INC 501 -0.089 0.292 0.197 -0.05 0 -0.05 0.097 No

36005 FIRST NATIONAL BK NORTH DAKOTA 57 0.461 0.021 0.131 0 0 0 0.131 No

03027 CITY NATIONAL BANK FORT SMITH 265 -0.409 0.359 0.167 0 -0.025 0 0.142 No

52204 AMERICA FIRST CREDIT UNION 586 -0.040 0.343 0.247 -0.05 0 -0.025 0.172 No

71835 FIRST MORTGAGE INVESTMENT CO 62 0.255 0.152 0.178 0 0 0 0.178 No

21681 D AND N BANK FSB 268 -0.447 0.521 0.279 -0.05 0 -0.05 0.179 No

20684 FIRST EASTERN MORTGAGE CORP 572 0.061 0.295 0.236 -0.05 0 0 0.186 No

06150 MECHANICS SAVINGS BANK 244 -0.318 0.431 0.244 -0.05 0 0 0.194 No

33664 ASTORIA FEDERAL SAVINGS LOAN 202 -0.380 0.558 0.323 -0.05 -0.025 0 0.248 No

24550 PULASKI BANK SB 410 0.258 0.410 0.372 -0.025 -0.025 -0.05 0.272 No

05436 UNIVERSAL LENDING CORPORATION 639 -0.461 0.586 0.324 0 0 -0.05 0.274 No

50686 CASSLE AND CASSLE INC 424 0.390 0.269 0.299 0 0 0 0.299 No

08125 NATIONAL TITLE INSURANCE CO 639 1.864 -0.213 0.307 0 0 0 0.307 No

49479 AMERICAN HOME MORTGAGE 377 2.119 -0.089 0.463 -0.05 -0.05 -0.05 0.313 No

74237 HARBOR FEDERAL SAVINGS BANK 144 -0.318 0.749 0.483 -0.05 -0.05 -0.025 0.358 No

30285 JEFFMORTGAGE INC 354 -0.074 0.627 0.451 0 -0.025 -0.025 0.401 No

14711 IOWA BANKERS MORTGAGE CORP 445 -0.149 0.646 0.447 -0.025 0 0 0.422 No

21824 HEARTWELL MORTGAGE 791 -0.368 0.862 0.555 -0.05 0 -0.05 0.455 No

24934 COMMERCE MORTGAGE CORPORATION 123 -0.455 0.760 0.456 0 0 0 0.456 No

48179 CORTRUST BANK 216 -0.446 0.834 0.514 -0.05 0 0 0.464 No

27050 PHILADELPHIA FREEDOM CORP 273 -0.428 0.833 0.518 -0.05 0 0 0.468 No

58031 FIRST NATIONAL BANK OF POWELL 180 -0.450 0.883 0.549 -0.05 -0.025 0 0.474 No

17373 BARKSDALE FEDERAL CREDIT UNION 72 -0.439 0.827 0.511 0 0 0 0.511 No

78715 MARATHON FINANCIAL CORPORATION 208 0.747 0.538 0.590 -0.025 0 -0.05 0.515 No

26178 DOUGLAS COUNTY BANK AND TRUST 238 -0.442 0.892 0.558 0 0 -0.025 0.533 No

Page 9

S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S

FY 1999 Actual Loss/

Svcr Servicer Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased

Name Loans Rate Score Total Score Homeowner Homeowner Area SCORE Incentives

ID * Scored Score

33970 LOCKPORT SAVINGS BANK 469 -0.424 0.938 0.598 -0.05 0 0 0.548 No

01396 MOLTON ALLEN AND WILLIAMS CORP 334 -0.412 0.933 0.597 0 -0.025 0 0.572 No

54011 CENIT BANK FOR SAVINGS FSB 134 -0.457 0.933 0.586 0 0 0 0.586 No

52199 MOUNTAIN STATES MTG CENTER 253 -0.415 0.986 0.636 0 0 -0.025 0.611 No

03232 LOGAN FINANCE CORPORATION 84 0.612 0.665 0.652 0 0 0 0.652 No

11909 NORTH SHORE TRUST AND SAVINGS 289 -0.384 1.211 0.812 -0.05 -0.05 -0.05 0.662 No

11085 MID AMERICA BANK FSB 423 -0.136 1.158 0.834 -0.05 -0.05 -0.05 0.684 No

05369 PULTE MORTGAGE CORPORATION 112 -0.356 1.109 0.742 -0.025 -0.025 0 0.692 No

18125 SKOWHEGAN SAVINGS BANK 71 1.495 0.464 0.722 0 0 0 0.722 No

34475 GOLDEN NATIONAL MTG BANKING 598 0.199 1.221 0.966 -0.05 -0.05 -0.05 0.816 No

64268 KAUFMAN AND BROAD MORTGAGE CO 116 -0.453 1.469 0.989 -0.05 -0.05 0 0.889 No

49501 BARTLETT MORTGAGE INC 77 -0.446 1.336 0.890 0 0 0 0.890 No

25107 STOCKMAN BANK - MONTANA 221 -0.456 1.387 0.927 -0.025 0 0 0.902 No

32137 WESTERN COMMERCE BANK 196 -0.463 1.460 0.979 0 -0.05 0 0.929 No

71104 STERLING SAVINGS BANK 105 -0.463 1.562 1.056 -0.025 -0.05 -0.05 0.931 No

71882 COMMONWEALTH BANK 69 -0.439 1.435 0.967 -0.025 0 0 0.942 No

22447 AMERICAN FEDERAL BANK 354 -0.294 1.455 1.017 0 0 0 1.017 No

17199 FIRST FEDERAL SAVINGS AND LOAN 175 -0.460 1.606 1.090 -0.025 0 -0.025 1.040 No

59057 MT MCKINLEY MUTUAL SAVINGS BANK 115 -0.378 1.576 1.087 -0.025 0 0 1.062 No

36111 BREMER BANK NA 401 -0.103 1.455 1.065 0 0 0 1.065 No

70099 WENDOVER FINANCIAL SERVICES CORP 888 3.472 0.453 1.208 -0.025 -0.05 -0.05 1.083 No

13140 FIRST INDIANA BANK 199 -0.465 1.745 1.192 -0.05 0 0 1.142 No

51469 HARLINGEN NATIONAL BANK 56 -0.240 1.771 1.268 0 0 0 1.268 No

34441 SYRACUSE SECURITIES INC 169 -0.463 1.848 1.270 0 0 0 1.270 No

18110 GARDINER SAVINGS INST FSB 243 -0.139 1.807 1.321 -0.05 0 0 1.271 No

08270 BANKATLANTIC FSB 63 -0.440 1.850 1.277 0 0 0 1.277 No

74867 NEW ENGLAND BANK AND TRUST CO 431 -0.283 1.918 1.368 0 0 0 1.368 No

07058 WILMINGTON SAVINGS FD SOCIETY 160 -0.461 2.106 1.465 0 0 0 1.465 No

09639 TUCKER FEDERAL SAVINGS AND LOAN 116 2.063 1.368 1.542 -0.025 -0.025 0 1.492 No

73609 SECURITY SAVINGS BANK FSB 442 -0.405 2.141 1.505 0 0 0 1.505 No

64377 CAPITOL COMMERCE MORTGAGE CO 64 -0.354 2.519 1.801 0 0 0 1.801 No

Page 10

S T A N D A R D I Z E D S C O R E S B O N U S P O I N T S

FY 1999 Actual Loss/

Svcr Servicer Default Potential Loss Weighted FirstTime Minority UnderServed FINAL Increased

Name Loans Rate Score Total Score Homeowner Homeowner Area SCORE Incentives

ID * Scored Score

13608 LAKE MORTGAGE COMPANY INC 636 -0.340 2.854 2.056 -0.05 -0.05 -0.05 1.906 No

04418 CORSTAN INC 94 -0.435 2.741 1.947 0 0 0 1.947 No

18067 PEOPLES HERITAGE SAVINGS BANK 882 -0.426 2.743 1.950 0 0 0 1.950 No

54531 SIGNET MORTGAGE CORPORATION 623 -0.259 2.743 1.993 0 0 0 1.993 No

64476 GN MORTGAGE CORPORATION 149 6.294 0.851 2.212 -0.025 -0.05 -0.05 2.087 No

51358 CTX MORTGAGE COMPANY 192 8.489 0.547 2.533 -0.025 -0.05 -0.05 2.408 No

70336 UNITED COMMERCIAL BANK 276 -0.460 3.835 2.761 0 0 0 2.761 No

41247 FIRSTRUST SAVINGS BANK 191 -0.465 3.908 2.815 0 0 0 2.815 No

19211** ATLANTIC FEDERAL SAVINGS BANK 125 0.471 -1.368 -0.908 0 0 0 -0.908 No

15056** CAPITOL FEDERAL SAVINGS ALA 95 0.261 -1.273 -0.890 0 0 0 -0.890 No

42077** FIDELITY BOND AND MORTGAGE CO 169 -0.462 -0.776 -0.697 0 -0.05 -0.05 -0.797 No

68028** SUNCOAST SAVINGS AND LOAN ASSN 504 -0.159 -0.543 -0.447 0 0 0 -0.447 No

51363** LOMAS MORTGAGE USA INC 380 -0.436 0.798 0.489 0 -0.025 0 0.464 No

75257** HARBOURTON MORTGAGE LP 208 0.225 0.739 0.611 0 -0.05 -0.05 0.511 No

22904** FBS MORTGAGE CORPORATION 319 -0.450 0.877 0.545 0 0 0 0.545 No

75106** LEADER FINANCIAL CORPORATION 65 -0.372 1.809 1.263 0 0 0 1.263 No

Subtotal 50,678 loans scored for 138 servicers

Total 5,890,754 loans scored for 308 servicers

* The following servicers have multiple IDs (scores are based on aggregate data) :

13061, 13062, 13063, 13064, 13065, 19382 and 51355

MUL1 BANK OF AMERICA NA 30141, 30284, 37993, 04466, 50592 and 05120

MUL2 CHASE MANHATTAN MORTGAGE 32062, 47219 and 57693

MUL3 FLEET MORTGAGE 22900, 42162 and 98310

MUL4 GMAC MORTGAGE CORP 70864 and 79336

MUL5 HOMESIDE LENDING INC 21677, 22995, 29813, 35412, 64192 and 71555

MUL6 NORWEST MORTGAGE

** These servicers appear at the bottom of their volume category because each has a "terminated" status in FY2000

Page 11

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