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**

Page 4

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**

Page 5

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

Page 6

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