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
Page 1
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
Page 2
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
Page 3
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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