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 1999Actual Loss/
SvcrServicerDefault Potential Loss WeightedFirstTimeMinorityUnderServedFINAL Increased
NameLoansRate ScoreTotal ScoreHomeownerHomeownerAreaSCOREIncentives
ID * ScoredScore
High Volume
68013ATLANTIC MORTGAGE AND 136,5420.185-0.847-0.5890-0.025-0.025-0.639Yes
39276MIDLAND MORTGAGE CO272,5830.893-1.010-0.5350-0.05-0.05-0.635Yes
MUL4GMAC MORTGAGE CORP114,2820.164-0.584-0.3970-0.05-0.025-0.472Yes
77396FIRST NATIONWIDE MORTGAGE CORP204,8100.110-0.211-0.131-0.025-0.05-0.025-0.231Yes
75640PRINCIPAL RESIDENTIAL MORTGAGE INC185,345-0.015-0.188-0.1450-0.0250-0.170Yes
13103SOURCE ONE MORTGAGE 145,124-0.2900.087-0.0070-0.05-0.05-0.107No
MUL6NORWEST MORTGAGE637,7630.335-0.118-0.005-0.025-0.025-0.025-0.080No
MUL3FLEET MORTGAGE246,4360.0310.0270.0280-0.05-0.025-0.047No
64141COUNTRYWIDE HOME LOANS INC449,1650.0300.0770.0660-0.05-0.025-0.009No
73815BANK UNITED100,4900.3120.1490.1900-0.05-0.0250.115No
MUL1BANK OF AMERICA NA255,0260.2400.2070.2150-0.025-0.0250.165No
MUL2CHASE MANHATTAN MORTGAGE491,7230.1430.5420.4430-0.05-0.0250.368No
MUL5HOMESIDE LENDING INC406,0080.0230.6540.4960-0.025-0.0250.446No
Subtotal3,645,297 loans scoredfor13servicers
Medium High Volume
19234COLUMBIA NATIONAL INCORPORATED23,559-0.173-0.949-0.755-0.025-0.025-0.025-0.830Yes
71160CHARTER BANK FOR SAVINGS FSB10,360-0.220-0.833-0.680-0.05-0.05-0.05-0.830Yes
11303DOVENMUEHLE MORTGAGE INC11,826-0.327-0.825-0.701-0.05-0.025-0.05-0.826Yes
22963TCF MORTGAGE CORPORATION11,508-0.433-0.863-0.75500-0.025-0.780Yes
79854BANK OF OKLAHOMA NA19,114-0.331-0.793-0.677000-0.677Yes
74525TRANSWORLD MORTGAGE CORP18,893-0.069-0.777-0.6000-0.025-0.05-0.675Yes
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 1999Actual Loss/
SvcrServicerDefault Potential Loss WeightedFirstTimeMinorityUnderServedFINAL Increased
NameLoansRate ScoreTotal ScoreHomeownerHomeownerAreaSCOREIncentives
ID * ScoredScore
01172REGIONS MORTGAGE INC81,4100.288-0.950-0.6410-0.0250-0.666Yes
51272COLONIAL SAVINGS FA27,561-0.194-0.745-0.6070-0.0250-0.632Yes
24654GERSHMAN INVESTMENT CORP15,219-0.326-0.637-0.5590-0.025-0.025-0.609Yes
30084CENLAR FEDERAL SAVINGS BANK35,330-0.097-0.679-0.5330-0.05-0.025-0.608Yes
30275CENDANT MORTGAGE CORPORATION15,5470.151-0.753-0.527-0.025-0.050-0.602Yes
38142LEADER MORTGAGE COMPANY53,8060.020-0.672-0.499-0.05-0.025-0.025-0.599Yes
17158STANDARD MORTGAGE CORPORATION11,483-0.376-0.454-0.434-0.025-0.05-0.05-0.559Yes
13621WATERFIELD MORTGAGE CO INC55,808-0.216-0.631-0.52800-0.025-0.553Yes
76038MARKET STREET MORTGAGE 12,778-0.157-0.616-0.5010-0.025-0.025-0.551Yes
16001FIRSTAR BANK NA71,6560.173-0.635-0.433-0.025-0.025-0.05-0.533No
09272SUNTRUST MORTGAGE INC10,599-0.258-0.602-0.516000-0.516No
24893CITICORP MORTGAGE INC12,209-0.114-0.485-0.3920-0.05-0.05-0.492No
10757AURORA LOAN SERVICES INC97,4681.226-0.928-0.3900-0.05-0.05-0.490No
75834TEMPLE-INLAND MORTGAGE 25,902-0.092-0.535-0.4240-0.025-0.025-0.474No
08411ALLIANCE MORTGAGE CO31,262-0.148-0.423-0.354-0.025-0.05-0.025-0.454No
63093R&G MORTGAGE CORP50,8480.306-0.566-0.3480-0.05-0.05-0.448No
75326NORTH AMERICAN MORTGAGE 68,304-0.230-0.359-0.327-0.025-0.05-0.025-0.427No
21083STANDARD FEDERAL BANK27,478-0.064-0.327-0.261-0.025-0.025-0.05-0.361No
12621PNC MORTGAGE CORP OF AMERICA82,2020.312-0.468-0.273-0.025-0.025-0.025-0.348No
26426COMMERICAL FEDERAL MORTGAGE 52,2430.026-0.434-0.319-0.02500-0.344No
54179CRESTAR MORTGAGE CORPORATION17,609-0.182-0.306-0.275-0.025-0.0250-0.325No
38092NATIONAL CITY MORTGAGE CO75,577-0.222-0.201-0.2060-0.025-0.025-0.256No
22880KNUTSON MORTGAGE CORPORATION15,868-0.286-0.022-0.088-0.050-0.05-0.188No
24671JAMES B NUTTER AND COMPANY30,246-0.419-0.068-0.156000-0.156No
75864M AND T MORTGAGE CORPORATION15,897-0.4020.057-0.0570-0.025-0.05-0.132No
24075MERCANTILE BANK NA21,2280.227-0.166-0.0680-0.025-0.025-0.118No
23155TRUSTMARK NATIONAL BANK14,643-0.037-0.033-0.034-0.025-0.050-0.109No
70714NATIONWIDE HOME MORTGAGE 20,006-0.228-0.031-0.080-0.02500-0.105No
34429HSBC BANK USA17,9520.022-0.047-0.030-0.025-0.025-0.025-0.105No
64308FIRST MORTGAGE CORPORATION10,420-0.3770.120-0.0040-0.05-0.05-0.104No
21815STERLING BANK AND TRUST FSB11,8320.0550.0310.037-0.025-0.025-0.05-0.063No
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 1999Actual Loss/
SvcrServicerDefault Potential Loss WeightedFirstTimeMinorityUnderServedFINAL Increased
NameLoansRate ScoreTotal ScoreHomeownerHomeownerAreaSCOREIncentives
ID * ScoredScore
30023GE CAPITAL MORTGAGE SER INC95,110-0.0310.0460.0270-0.025-0.025-0.023No
34471CHARTER ONE MORTGAGE CORP18,2880.316-0.0620.033-0.025-0.0250-0.017No
24361CHARLES F CURRY CO20,7750.0950.0190.0380-0.025-0.025-0.012No
10101IDAHO HOUSING AND FINANCE ASSN12,001-0.3490.2460.098-0.05000.048No
42581PENNSYLVANIA HOUSING FIN AGCY13,678-0.2420.2810.150-0.050-0.050.050No
35214FIRST UNION MORTGAGE CORP63,3670.1540.1210.1290-0.025-0.0250.079No
76548OLD KENT MORTGAGE COMPANY39,3630.0270.2720.2100-0.05-0.050.110No
52070CROSSLAND MORTGAGE 25,383-0.1240.3650.243-0.025-0.05-0.050.118No
13797MATRIX FINANCIAL SERVICES CORP11,5492.090-0.3920.2290-0.025-0.050.154No
63001BANCO POPULAR DE PUERTO RICO50,1111.382-0.1000.2700-0.05-0.050.170No
13779IRWIN MORTGAGE CORPORATION64,035-0.1720.5250.351-0.025-0.025-0.0250.276No
39318MORTGAGE CLEARING CORPORATION10,143-0.3520.7540.477-0.0250-0.0250.427No
15565FT MORTGAGE COMPANIES90,1200.3030.7410.632-0.025-0.025-0.0250.557No
49001UNION PLANTERS NATIONAL BANK89,6962.1050.3970.8240-0.0500.774No
Subtotal1,789,270 loans scoredfor51servicers
Medium Low Volume
51835ROCKY MOUNTAIN MORTGAGE CO3,425-0.464-1.273-1.071-0.05-0.05-0.025-1.196Yes
75561WELLS FARGO BANK NA1,423-0.330-1.413-1.1420-0.025-0.025-1.192Yes
21571GENERAL MORTGAGE CORPORATION1,2560.251-1.178-0.821-0.05-0.05-0.05-0.971Yes
35050TRIANGLE BANK2,7600.084-1.186-0.868-0.05-0.025-0.025-0.968Yes
35234CENTURA BANK2,808-0.278-1.038-0.848-0.05-0.0250-0.923Yes
36006GATE CITY FEDERAL SAVINGS BANK1,880-0.327-1.015-0.843-0.05-0.0250-0.918Yes
64114CALIFORNIA MORTGAGE SERVICE1,027-0.464-1.012-0.875000-0.875Yes
70101ESSEX HOME MORTGAGE SERVG CORP2,155-0.267-0.937-0.7700-0.05-0.05-0.870Yes
25122STREETER BROTHERS MTG CORP1,171-0.274-1.033-0.843-0.02500-0.868Yes
70402SECURITY MORTGAGE CORPORATION2,677-0.434-0.903-0.786-0.050-0.025-0.861Yes
01366MORTGAGEAMERICA INC1,994-0.309-1.043-0.860000-0.860Yes
60036BANC ONE MORTGAGE CORPORATION2,247-0.451-0.909-0.7940-0.025-0.025-0.844Yes
17003HIBERNIA NATIONAL BANK8,662-0.405-0.874-0.757-0.025-0.0250-0.807Yes
64439CAPITAL PACIFIC MTGE CO1,080-0.265-0.872-0.7200-0.025-0.05-0.795Yes
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 1999Actual Loss/
SvcrServicerDefault Potential Loss WeightedFirstTimeMinorityUnderServedFINAL Increased
NameLoansRate ScoreTotal ScoreHomeownerHomeownerAreaSCOREIncentives
ID * ScoredScore
70246FIRST COMMERCE MORTGAGE CO2,091-0.428-0.879-0.767-0.02500-0.792Yes
23009BANCORPSOUTH BANK4,575-0.314-0.861-0.724-0.025-0.0250-0.774Yes
52145ZIONS FIRST NATIONAL BANK1,438-0.390-0.854-0.738000-0.738Yes
51370MITCHELL MORTGAGE COMPANY LLC1,920-0.190-0.920-0.738000-0.738Yes
57848M AND I MORTGAGE CORP5,935-0.373-0.816-0.705-0.02500-0.730Yes
33201CITIBANK NA1,9460.712-1.023-0.589-0.025-0.05-0.05-0.714Yes
12578CROWN MORTGAGE COMPANY6,282-0.399-0.719-0.639-0.025-0.0250-0.689Yes
51028TURNER-YOUNG INVESTMENT CO1,888-0.334-0.799-0.683000-0.683Yes
49222CURTIS MORTGAGE COMPANY INC.4,829-0.401-0.739-0.655000-0.655Yes
57732UNIVERSAL MORTGAGE 4,793-0.163-0.703-0.568-0.025-0.025-0.025-0.643Yes
73991MVB MORTGAGE CORPORATION4,4260.203-0.756-0.516-0.025-0.05-0.05-0.641Yes
21490UNIVERSAL AMERICAN MORTGAGE CO7,135-0.258-0.688-0.5810-0.050-0.631Yes
09497GEORGIA HOUSING-FINANCE 4,0100.320-0.746-0.480-0.05-0.05-0.05-0.630Yes
21645GUARDIAN MORTGAGE COMPANY INC3,317-0.440-0.669-0.612000-0.612Yes
24907EQUALITY MORTGAGE CORPORATION1,6340.379-0.787-0.496-0.05-0.025-0.025-0.596Yes
16396KENTUCKY HOUSING CORPORATION7,292-0.437-0.575-0.540-0.0500-0.590Yes
35361MARSH ASSOCIATES INC3,475-0.285-0.520-0.461-0.05-0.025-0.05-0.586No
01113SOUTHTRUST MORTGAGE CORP9,215-0.131-0.704-0.5610-0.0250-0.586No
51027MERITECH MORTGAGE SERVICES INC1,608-0.406-0.568-0.5270-0.025-0.025-0.577No
21451SOURCE ONE MORTGAGE SERV CORP7,1030.530-0.786-0.4570-0.05-0.05-0.557No
21780BENCHMARK MORTGAGE 2,570-0.269-0.608-0.52400-0.025-0.549No
01310COLONIAL MORTGAGE COMPANY7,736-0.212-0.590-0.496-0.025-0.0250-0.546No
61006BANK OF HAWAII1,249-0.450-0.364-0.385-0.05-0.05-0.05-0.535No
64325CALIFORNIA HOUSING FINANCE3,657-0.028-0.494-0.378-0.05-0.05-0.05-0.528No
03021SUPERIOR FEDERAL BANK FSB1,850-0.322-0.582-0.517000-0.517No
15468FIDELITY BANK6,497-0.267-0.548-0.478000-0.478No
59006NATIONAL BANK OF ALASKA8,020-0.445-0.458-0.454000-0.454No
73622BROADVIEW MORTGAGE COMPANY1,3020.093-0.489-0.344-0.025-0.025-0.05-0.444No
75273NVR MORTGAGE FINANCE INC1,143-0.405-0.341-0.357-0.025-0.050-0.432No
08282MCCAUGHAN MORTGAGE CO INC2,036-0.453-0.360-0.3840-0.0250-0.409No
21794DMR FINANCIAL SERVICES INC5,9180.104-0.431-0.297-0.025-0.025-0.05-0.397No
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 1999Actual Loss/
SvcrServicerDefault Potential Loss WeightedFirstTimeMinorityUnderServedFINAL Increased
NameLoansRate ScoreTotal ScoreHomeownerHomeownerAreaSCOREIncentives
ID * ScoredScore
36242NORTH DAKOTA HOUSING FIN AGENCY4,399-0.197-0.385-0.338-0.0500-0.388No
77678DRAPER AND KRAMER MORTGAGE1,619-0.223-0.409-0.363-0.02500-0.388No
09558SUNSHINE MORTGAGE CORP1,715-0.275-0.376-0.3510-0.0250-0.376No
24894FIRST BANK2,791-0.387-0.329-0.34300-0.025-0.368No
12703LASALLE HOME MORTGAGE CORP7,370-0.115-0.446-0.364000-0.364No
24905TOWN AND COUNTRY MORTGAGE CO2,900-0.461-0.217-0.278-0.050-0.025-0.353No
48170HOME FEDERAL SAVINGS BANK4,603-0.394-0.256-0.291-0.0500-0.341No
24821DELMAR FINANCIAL COMPANY7,5560.159-0.356-0.227-0.025-0.05-0.025-0.327No
04718GUILD MORTGAGE COMPANY8,237-0.152-0.198-0.187-0.025-0.05-0.05-0.312No
15560REGIONAL INVESTMENT CO4,563-0.209-0.254-0.243-0.0250-0.025-0.293No
38358SECURITY SAVINGS MORTGAGE CORP1,064-0.421-0.149-0.217-0.050-0.025-0.292No
35029BRANCH BANKING AND TRUST CO9,720-0.203-0.194-0.197-0.025-0.0250-0.247No
55017WASHINGTON MUTUAL BANK9,234-0.260-0.139-0.169-0.0250-0.025-0.219No
15625CORINTHIAN MORTGAGE CORP4,316-0.274-0.133-0.1680-0.025-0.025-0.218No
55582CONTINENTAL SAVINGS BANK8,943-0.305-0.040-0.106-0.0250-0.05-0.181No
51408VALLEY MORTGAGE COMPANY INC1,043-0.3380.098-0.011-0.05-0.05-0.025-0.136No
35127PFEFFERKORN CO5,117-0.4120.092-0.034-0.05-0.0250-0.109No
71247HUNTINGTON MORTGAGE COMPANY1,3190.057-0.099-0.060-0.02500-0.085No
39325MERCURY MORTGAGE CO INC5,286-0.4130.131-0.005-0.0250-0.025-0.055No
54521VIRGINIA HOUSING DEV AUT6,852-0.2190.1730.075-0.05-0.02500.000No
47108FIRST CITIZENS BANK AND TR CO4,924-0.4420.3110.123-0.05-0.025-0.0250.023No
06230MCCUE MORTGAGE COMPANY5,7320.1310.0910.101-0.050-0.0250.026No
52167UTAH HOUSING FINANCE AGENCY6,093-0.1150.1820.107-0.050-0.0250.032No
56243WEST VIRGINIA HOUSING DEV FUND4,092-0.3360.2490.103-0.05000.053No
21658UNIVERSAL MORTGAGE CORP2,0670.4710.0940.188-0.050-0.050.088No
32053PIONEER SAVINGS BANK2,883-0.4530.3090.1190-0.02500.094No
19472BOGMAN INC1,8910.1020.2570.218-0.05-0.025-0.0250.118No
13461CALUMET SECURITIES CORPORATION2,711-0.4000.3650.174-0.05000.124No
63011FIRST BANK-PR1,847-0.2560.3850.2250-0.05-0.050.125No
05366COLORADO HOUSING FINANCE AUTH6,1450.0810.3670.296-0.05-0.05-0.050.146No
77528UNION PLANTERS PMAC INC1,112-0.4270.4060.1980-0.0500.148No
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 1999Actual Loss/
SvcrServicerDefault Potential Loss WeightedFirstTimeMinorityUnderServedFINAL Increased
NameLoansRate ScoreTotal ScoreHomeownerHomeownerAreaSCOREIncentives
ID * ScoredScore
01422NEW SOUTH FEDERAL SAVINGS BANK9,9210.5500.1170.225-0.025-0.025-0.0250.150No
55220SEATTLE MORTGAGE COMPANY2,116-0.4650.4100.1910000.191No
49522FIRST TRUST MORTGAGE COMPANY1,4342.002-0.1930.356-0.05-0.05-0.050.206No
51706HARBOR FINANCIAL MORTGAGE CORP7,0342.370-0.3130.358-0.025-0.05-0.050.233No
04586WMC MORTGAGE CORP2,532-0.4560.6200.351-0.05-0.0500.251No
76062RBMG INC8,326 -0.3810.5750.336-0.025-0.025-0.0250.261No
46049RHODE ISLAND HSG MTGE FIN CORP2,316-0.3550.6300.384-0.05-0.025-0.0250.284No
25095WESTERN SECURITY BANK2,599-0.1250.4550.310-0.025000.285No
13745TRUSTCORP MORTGAGE COMPANY8,862-0.3410.5920.358-0.0250-0.0250.308No
58109WYOMING COMMUNITY DEV AUTH4,5690.0460.5110.395-0.05000.345No
47230SOUTH CAROLINA STATE HSG FDA3,8000.0970.5800.460-0.05-0.025-0.0250.360No
19408CHEVY CHASE SAVINGS BANK FSB1,338-0.4470.7810.474-0.025-0.05-0.0250.374No
36069BANK OF NORTH DAKOTA1,902-0.4530.6810.3970000.397No
77487REPUBLIC BANK2,2990.3390.5120.4690-0.025-0.0250.419No
20213FAMILY BANK FSB2,373-0.2670.7480.494-0.05000.444No
21799TOWNE MORTGAGE AND REALTY CO2,333-0.3280.8030.5200-0.025-0.050.445No
59034ALASKA USA FEDERAL CREDIT UNION3,612-0.4300.7640.4660000.466No
63152SANTANDER MORTGAGE CORP3,882-0.3890.8940.5740-0.05-0.050.474No
72080AMERIHOME MORTGAGE CORPORATION1,403-0.2970.8960.59800-0.050.548No
19298ALLFIRST BANK1,4011.2690.5100.700-0.05-0.05-0.050.550No
74649EMC MORTGAGE CORPORATION1,9084.815-0.5410.798-0.025-0.05-0.050.673No
71274FLAGSTAR BANK FSB4,404-0.3851.1590.773-0.0250-0.050.698No
94066GNMA-WATERS MORTGAGE CORP1,2983.888-0.0870.9070-0.05-0.050.807No
06060WEBSTER BANK6,083-0.3621.4410.990-0.050-0.0250.915No
38398LIBERTY MORTGAGE CO INC1,0240.4161.2931.07400-0.051.024No
72313LITTON LOAN SERVICING LP6,1838.462-0.2041.963-0.025-0.05-0.051.838No
25134GLACIER BANK FSB1,068-0.4652.7521.948-0.025-0.0501.873No
64102MISSION HILLS MORTGAGE CORP4,731-0.4153.6892.663-0.025-0.05-0.052.538No
58002FIRST INTERSTATE BANK WY3,762-0.3914.3423.158-0.05003.108No
70708**COLORADO SPRINGS SAVINGS ALA1,3970.095-0.423-0.294-0.05-0.05-0.05-0.444No
Subtotal405,509 loans scoredfor106servicers
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 1999Actual Loss/
SvcrServicerDefault Potential Loss WeightedFirstTimeMinorityUnderServedFINAL Increased
NameLoansRate ScoreTotal ScoreHomeownerHomeownerAreaSCOREIncentives
ID * ScoredScore
Low Volume
54281LIFE SAVINGS BANK FSB135-0.459-1.465-1.21400-0.025-1.239Yes
73452VNB MORTGAGE SERVICES INC747-0.371-1.356-1.110-0.05-0.025-0.05-1.235Yes
47017FIRST FEDERAL SAVINGS AND LN 339-0.462-1.433-1.190-0.02500-1.215Yes
21484FIRST OF AMERICA LOAN SERVICES255-0.459-1.409-1.17200-0.025-1.197Yes
24038HEARTLAND SAVINGS BANK FSB537-0.419-1.389-1.147-0.02500-1.172Yes
35326WACHOVIA MORTGAGE COMPANY484-0.437-1.323-1.102-0.025-0.0250-1.152Yes
29318HUDSON CITY SAVINGS BANK307-0.421-1.386-1.145000-1.145Yes
39022LOCAL FEDERAL BANK FSB533-0.465-1.333-1.116-0.02500-1.141Yes
33591RELIANCE FEDERAL SAVINGS BANK220-0.308-1.412-1.136000-1.136Yes
38072YERKE MORTGAGE CO887-0.205-1.422-1.117000-1.117Yes
09359LIBERTY MORTGAGE CORP566-0.463-1.247-1.0510-0.050-1.101Yes
06153AMERICAN SAVINGS BANK710-0.148-1.302-1.014-0.050-0.025-1.089Yes
56072ONE VALLEY BANK NA891-0.448-1.229-1.033-0.0500-1.083Yes
04712DOWNEY SAVINGS AND LOAN ASSN870-0.461-1.215-1.027000-1.027Yes
72609JEFFERSON MORTGAGE SERV INC541-0.380-1.237-1.023000-1.023Yes
74697FIRST BANKERS MORTGAGE CORP757-0.378-1.146-0.9540-0.025-0.025-1.004Yes
75173SECURED BANKERS MORTGAGE CO113-0.329-1.028-0.854-0.05-0.05-0.05-1.004Yes
30280COUNTY MORTGAGE COMPANY INC5170.640-1.367-0.865-0.025-0.05-0.05-0.990Yes
71206OLYMPIA MORTGAGE CORPORATION143-0.411-0.986-0.842-0.025-0.05-0.05-0.967Yes
06141SAVINGS BANK OF MANCHESTER325-0.464-1.063-0.913-0.0500-0.963Yes
21736FIRST CHICAGO NBD MORTGAGE CO585-0.425-0.992-0.850-0.050-0.025-0.925Yes
18137KINGFIELD SAVINGS BANK147-0.006-1.161-0.872-0.0500-0.922Yes
70136COASTAL BANC SSB990-0.427-1.073-0.912000-0.912Yes
79999BANK OF AMERICA CYPRESS409-0.178-1.130-0.892000-0.892Yes
52091BANK OF UTAH115-0.430-1.044-0.890000-0.890Yes
19434MERCANTILE MORTGAGE CORP935-0.380-0.900-0.770-0.05-0.050-0.870No
04299PFF BANK AND TRUST57-0.023-1.004-0.7590-0.05-0.05-0.859No
57849FIRSTAR HOME MORTGAGE CORP335-0.262-1.019-0.830000-0.830No
32135NEW MEXICO MTG FIN AUTHORITY7510.336-1.163-0.788000-0.788No
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 1999Actual Loss/
SvcrServicerDefault Potential Loss WeightedFirstTimeMinorityUnderServedFINAL Increased
NameLoansRate ScoreTotal ScoreHomeownerHomeownerAreaSCOREIncentives
ID * ScoredScore
50589FIRST FEDERAL SAVINGS AND LOAN1270.219-1.122-0.787000-0.787No
25002FIRST INTERSTATE BANK476-0.351-0.912-0.772000-0.772No
03335PULASKI MORTGAGE CO453-0.453-0.874-0.769000-0.769No
10245HOME MORTGAGE INC516-0.454-0.824-0.73100-0.025-0.756No
54413FIRST FEDERAL SAVINGS BANK 67-0.384-0.880-0.756000-0.756No
71398MCA MORTGAGE CORPORATION163-0.373-0.795-0.69000-0.05-0.740No
24850MISSOURI HOUSING DEV COMM830.408-1.121-0.739000-0.739No
51606ACCUBANC MORTGAGE CORPORATION991-0.427-0.695-0.628-0.025-0.05-0.025-0.728No
32133SUBURBAN MORTGAGE CO OF NM856-0.346-0.840-0.717000-0.717No
34189MID-ISLAND EQUITIES CORP127-0.444-0.604-0.564-0.025-0.05-0.05-0.689No
75636BANK OF AMERICA FSB6680.345-0.993-0.659000-0.659No
72475FIRST AMERICAN BANK TEXAS SSB525-0.394-0.704-0.627000-0.627No
01174COLLATERAL MORTGAGE LTD190-0.395-0.701-0.625000-0.625No
70560SIERRA PACIFIC MORTGAGE132-0.451-0.592-0.556000-0.556No
03221GUARANTY LOAN AND REAL ESTATE541-0.198-0.463-0.39700-0.05-0.447No
03329FIRST COMMERCIAL MORTGAGE CO3120.079-0.596-0.427000-0.427No
30323AURORA FINANCIAL GROUP INC9160.100-0.452-0.314-0.05-0.025-0.025-0.414No
60136INDEPENDENCE FEDERAL BANK116-0.337-0.425-0.403000-0.403No
26003FIRST NATIONAL BANK638-0.376-0.261-0.290000-0.290No
17254AULDS HORNE AND WHITE INV CORP787-0.330-0.218-0.246-0.02500-0.271No
75553CIMARRON MORTGAGE COMPANY665-0.276-0.145-0.178-0.025-0.050-0.253No
55145WASHINGTON FEDERAL SAVINGS AND 77-0.355-0.218-0.252000-0.252No
38314RYLAND MORTGAGE CO422-0.416-0.190-0.247000-0.247No
07046GILPIN FINANCIAL SERVICES INC144-0.181-0.199-0.195-0.0500-0.245No
58070WALLICK AND VOLK INC2560.838-0.548-0.202000-0.202No
61007FIRST HAWAIIAN BANK385-0.4610.056-0.073-0.05-0.050-0.173No
75252JUPITER MORTGAGE CORP737-0.060-0.118-0.1030-0.025-0.025-0.153No
06245NORTH AMERICAN BANK AND TR CO150-0.4450.025-0.093000-0.093No
77388STANDARD MORTGAGE CORP GEORGIA677-0.3910.2500.090-0.05-0.05-0.05-0.060No
72033HOMESTEAD MORTGAGE COMPANY2930.1520.0010.039-0.050-0.025-0.036No
39390FIRST BANK OKLAHOMA2310.478-0.201-0.031000-0.031No
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 1999Actual Loss/
SvcrServicerDefault Potential Loss WeightedFirstTimeMinorityUnderServedFINAL Increased
NameLoansRate ScoreTotal ScoreHomeownerHomeownerAreaSCOREIncentives
ID * ScoredScore
64602LANCASTER MORTGAGE SERVICES2630.488-0.1250.0280-0.02500.003No
05421MOUNTAIN VIEW MORTGAGE COPMANY652-0.2440.0960.0110000.011No
37009FIFTH THIRD BANK913-0.4630.2910.102-0.050-0.0250.027No
23026PEOPLES BANK AND TRUST CO TUPELO193-0.4120.2000.0470000.047No
03062FIRST FINANCIAL BANK FSB257-0.3790.2260.0740000.074No
39329HARRY MORTGAGE COMPANY853-0.3540.3070.14200-0.050.092No
70698INTERMOUNTAIN MORTGAGE CO INC501-0.0890.2920.197-0.050-0.050.097No
36005FIRST NATIONAL BK NORTH DAKOTA570.4610.0210.1310000.131No
03027CITY NATIONAL BANK FORT SMITH265-0.4090.3590.1670-0.02500.142No
52204AMERICA FIRST CREDIT UNION586-0.0400.3430.247-0.050-0.0250.172No
71835FIRST MORTGAGE INVESTMENT CO620.2550.1520.1780000.178No
21681D AND N BANK FSB268-0.4470.5210.279-0.050-0.050.179No
20684FIRST EASTERN MORTGAGE CORP5720.0610.2950.236-0.05000.186No
06150MECHANICS SAVINGS BANK244-0.3180.4310.244-0.05000.194No
33664ASTORIA FEDERAL SAVINGS LOAN202-0.3800.5580.323-0.05-0.02500.248No
24550PULASKI BANK SB4100.2580.4100.372-0.025-0.025-0.050.272No
05436UNIVERSAL LENDING CORPORATION639-0.4610.5860.32400-0.050.274No
50686CASSLE AND CASSLE INC4240.3900.2690.2990000.299No
08125NATIONAL TITLE INSURANCE CO6391.864-0.2130.3070000.307No
49479AMERICAN HOME MORTGAGE 3772.119-0.0890.463-0.05-0.05-0.050.313No
74237HARBOR FEDERAL SAVINGS BANK144-0.3180.7490.483-0.05-0.05-0.0250.358No
30285JEFFMORTGAGE INC354-0.0740.6270.4510-0.025-0.0250.401No
14711IOWA BANKERS MORTGAGE CORP445-0.1490.6460.447-0.025000.422No
21824HEARTWELL MORTGAGE 791-0.3680.8620.555-0.050-0.050.455No
24934COMMERCE MORTGAGE CORPORATION123-0.4550.7600.4560000.456No
48179CORTRUST BANK216-0.4460.8340.514-0.05000.464No
27050PHILADELPHIA FREEDOM CORP273-0.4280.8330.518-0.05000.468No
58031FIRST NATIONAL BANK OF POWELL180-0.4500.8830.549-0.05-0.02500.474No
17373BARKSDALE FEDERAL CREDIT UNION72-0.4390.8270.5110000.511No
78715MARATHON FINANCIAL CORPORATION2080.7470.5380.590-0.0250-0.050.515No
26178DOUGLAS COUNTY BANK AND TRUST 238-0.4420.8920.55800-0.0250.533No
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 1999Actual Loss/
SvcrServicerDefault Potential Loss WeightedFirstTimeMinorityUnderServedFINAL Increased
NameLoansRate ScoreTotal ScoreHomeownerHomeownerAreaSCOREIncentives
ID * ScoredScore
33970LOCKPORT SAVINGS BANK469-0.4240.9380.598-0.05000.548No
01396MOLTON ALLEN AND WILLIAMS CORP334-0.4120.9330.5970-0.02500.572No
54011CENIT BANK FOR SAVINGS FSB134-0.4570.9330.5860000.586No
52199MOUNTAIN STATES MTG CENTER253-0.4150.9860.63600-0.0250.611No
03232LOGAN FINANCE CORPORATION840.6120.6650.6520000.652No
11909NORTH SHORE TRUST AND SAVINGS289-0.3841.2110.812-0.05-0.05-0.050.662No
11085MID AMERICA BANK FSB423-0.1361.1580.834-0.05-0.05-0.050.684No
05369PULTE MORTGAGE CORPORATION112-0.3561.1090.742-0.025-0.02500.692No
18125SKOWHEGAN SAVINGS BANK711.4950.4640.7220000.722No
34475GOLDEN NATIONAL MTG BANKING5980.1991.2210.966-0.05-0.05-0.050.816No
64268KAUFMAN AND BROAD MORTGAGE CO116-0.4531.4690.989-0.05-0.0500.889No
49501BARTLETT MORTGAGE INC77-0.4461.3360.8900000.890No
25107STOCKMAN BANK - MONTANA221-0.4561.3870.927-0.025000.902No
32137WESTERN COMMERCE BANK196-0.4631.4600.9790-0.0500.929No
71104STERLING SAVINGS BANK105-0.4631.5621.056-0.025-0.05-0.050.931No
71882COMMONWEALTH BANK69-0.4391.4350.967-0.025000.942No
22447AMERICAN FEDERAL BANK354-0.2941.4551.0170001.017No
17199FIRST FEDERAL SAVINGS AND LOAN175-0.4601.6061.090-0.0250-0.0251.040No
59057MT MCKINLEY MUTUAL SAVINGS BANK115-0.3781.5761.087-0.025001.062No
36111BREMER BANK NA401-0.1031.4551.0650001.065No
70099WENDOVER FINANCIAL SERVICES CORP8883.4720.4531.208-0.025-0.05-0.051.083No
13140FIRST INDIANA BANK199-0.4651.7451.192-0.05001.142No
51469HARLINGEN NATIONAL BANK56-0.2401.7711.2680001.268No
34441SYRACUSE SECURITIES INC169-0.4631.8481.2700001.270No
18110GARDINER SAVINGS INST FSB243-0.1391.8071.321-0.05001.271No
08270BANKATLANTIC FSB63-0.4401.8501.2770001.277No
74867NEW ENGLAND BANK AND TRUST CO431-0.2831.9181.3680001.368No
07058WILMINGTON SAVINGS FD SOCIETY160-0.4612.1061.4650001.465No
09639TUCKER FEDERAL SAVINGS AND LOAN 1162.0631.3681.542-0.025-0.02501.492No
73609SECURITY SAVINGS BANK FSB442-0.4052.1411.5050001.505No
64377CAPITOL COMMERCE MORTGAGE CO64-0.3542.5191.8010001.801No
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 1999Actual Loss/
SvcrServicerDefault Potential Loss WeightedFirstTimeMinorityUnderServedFINAL Increased
NameLoansRate ScoreTotal ScoreHomeownerHomeownerAreaSCOREIncentives
ID * ScoredScore
13608LAKE MORTGAGE COMPANY INC636-0.3402.8542.056-0.05-0.05-0.051.906No
04418CORSTAN INC94 -0.4352.7411.9470001.947No
18067PEOPLES HERITAGE SAVINGS BANK882-0.4262.7431.9500001.950No
54531SIGNET MORTGAGE CORPORATION623-0.2592.7431.9930001.993No
64476GN MORTGAGE CORPORATION1496.2940.8512.212-0.025-0.05-0.052.087No
51358CTX MORTGAGE COMPANY1928.4890.5472.533-0.025-0.05-0.052.408No
70336UNITED COMMERCIAL BANK276-0.4603.8352.7610002.761No
41247FIRSTRUST SAVINGS BANK191-0.4653.9082.8150002.815No
19211**ATLANTIC FEDERAL SAVINGS BANK1250.471-1.368-0.908000-0.908No
15056**CAPITOL FEDERAL SAVINGS ALA950.261-1.273-0.890000-0.890No
42077**FIDELITY BOND AND MORTGAGE CO169-0.462-0.776-0.6970-0.05-0.05-0.797No
68028**SUNCOAST SAVINGS AND LOAN ASSN504-0.159-0.543-0.447000-0.447No
51363**LOMAS MORTGAGE USA INC380-0.4360.7980.4890-0.02500.464No
75257**HARBOURTON MORTGAGE LP2080.2250.7390.6110-0.05-0.050.511No
22904**FBS MORTGAGE CORPORATION319-0.4500.8770.5450000.545No
75106**LEADER FINANCIAL CORPORATION65-0.3721.8091.2630001.263No
Subtotal50,678 loans scoredfor138servicers
Total5,890,754 loans scoredfor308servicers
* 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