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									National Mortgage News Alternative Products
      (Alt-A' and HELOCs)
     Q4 2008 - DEMO ONLY

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   PLEASE READ THIS LICENSING AGREEMENT

      Second Lien Originations
               Top 2nd Lien Originators
   2nd Lien Originators Ranked by Number of Loans
               Interest-only Originations
            Interest-only Number of Loans
                 Top 'Alt A' Originators
                Alt A' Number of Loans
                  Jumbo Originations
               Jumbo Number of Loans
              Option ARMs Originations
                 Reverse Originations
                Multi-family Originations
               Commercial Originations
                  Warehouse Lenders
               Warehouse Active # Lns
                      FICO Scores

            2nd Lien Servicing
                  Top 'Alt-A' Servicers
   Top 'Alt-A' Servicers Ranked by Number of Loans
                 Commercial Servicers
                 Top 2nd Lien Servicers
2nd Lien Servicers Ranked by Number of Loans Serviced

            Blue Plate Special
        2nd Lien Lenders Average Loans Size
       2nd Lien Servicers Average Loans Size
       Freddie/Fannie Market Share Purchases
Customer Agreement
The purchaser of the Quarterly Data Report agrees to following conditions:

To be used by the customer only and may not be reproduced for commercial profit by the purchaser.

To be copied onto not more than one personal computer or workstation.

To not make unauthorized copies of this document for internal or external distribution.

Do NOT copy this document onto a network server, and Do NOT email the document.

To put this document on your network server to be used by anyone in your firm?
Contact us about a SITE LICENSE (202) 434-0320 or (202) 434-0322.



Need Mortgage Data?
Check out These Other Data-Related Products from the Publishers of National Mortgage News
and Origination News :

(*) Mortgage Broker Database:

A database of 2,200+ ACTIVE loan brokers. We know they are active because we recently checked addresses,
etc… This database is mostly residential in nature but does have a commercial component too. (We have about
100 commercial firms in there.) The 2,300+ includes: co. name, address, phone and fax and a key contact or
two. (Some companies sell larger broker lists but often times there are many old or faulty entries. We don't do
that. We know our brokers, for the most part, are active and are still in business.)

The broker data base (exportable to other database formats) has town and city (street address, phone,
fax, etc...) of each broker but we DO NOT sell each state as a separate product. You have to buy
the entire database.

The other component is a ranking of the top 150 loan brokers by volume. This includes dollar volume of loans
originated, the names and volumes of top producers (where available) product types, wholesale partners
(where disclosed), software used, and more. (However, there is no breakout on which brokers are part of net
branch arrangements, though some of the top 150 that are ranked, disclose who their wholesale partners are.)

The total cost of the database is $349 and is delivered in an electronic format only.
QDR subscribers receive a 5% discount.

To order: contact Deartra Todd at (202) 434-0320 (phone) or email: deartra.todd@thomsonmedia.com



(*) NMN'S HMDA (Home Mortgage Disclosure Act) Database:
Need to know who the top 8,300 lender were in 2007?
Want to find out who the top lenders are in each of the nation's 323 Metropolitan Statistical Areas (MSAs)?

The HMDA database provides the user with a ranking of EACH lender in all of the 323 MSAs. This information
can be used by lenders -- as well as vendors -- to find out which companies dominate local lending markets.

Overall, we have production information on 8,300 different lenders. The database includes loan volumes as well
as company names.

If you want only certain geographic areas National Mortgage News can customize a special database just for
your firm.

To order: contact Deartra Todd at (202) 434-0320 (phone) or email: deartra.todd@sourcemedia.com.

Questions? Give Dee a call.



(*) 2007 eMID (electronic Mortgage Industry Directory)
The eMIDs are "electronic" books that provide extensive rankings and profiles -- including loan volumes, product
types, contact info and more -- on the nation's top 400 lenders, top 400 servicers, top 100 loan brokers, top
100 commercial lenders and much more. (The eMIDs also offer an exclusive online-only white paper on
Fannie Mae and Freddie Mac.)

All the information is downloadable into a database of your choice.

The eMIDs come in two modules: eMID, Volume 1: Originators; and the eMID, Volume 2: Servicers, Volume 3:
Commercial. (We stratified each eMID by business segment for easier usage.) The eMIDs make a great sister
product to our Quarterly Data Report.

If you're already a National Mortgage News data customer mention this email and receive the Daily Briefing.

If you have any questions about the eBooks, including pricing and content information, feel free to drop me an
email or telephone. We also offer site license plans.

Deartra Todd, Senior Research Associate [deartra.tod@sourcemedia.com] (202) 434-0320.
 National Mortgage News                     Alternative QDR       226a2a35-930c-421a-ba20-f08a3b20c1ee.xls



Top Residential Second Lien Lenders in Q4 2008
(dollars in millions)
                                                              2nds Funded 2nds Funded         %    Market
Rank              Organization Name           Location         in Q4 2008  in Q4 2007     Change   Share
   27 Residential Capital, LLC (GMAC)   Minneapolis, MN                 $1         $900    -100%     0.01%




                                                                                                   Page 4
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 Residential 2nd Lien Lenders Ranked by # of Loans Funded in Q4 2008
                                                         2nds # Lns     2nds # Lns         %
 Rank          Organization Name          Location       in Q4 2008     in Q4 2007     Change
    23 Perl Mortgage               Chicago, IL                     15            105     -86%




                                                                                         Page 5
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     Residential Interest-Only Lenders in Q4 2008
     (dollars in millions)
                                                             IO Funded IO Funded          %    Market
     Rank        Organization Name           Location        in Q4 2008 in Q4 2007    Change   Share
        26 Saxon Mortgage Services   Irving, TX                       $1       $111     -99%     0.01%




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 Residential Interest-Only Lenders Ranked by # of Loans Funded in Q4 2008
                                                                        IO # Lns   IO # Lns      %
 Rank                Organization Name               Location          in Q4 2008 in Q4 2007 Change
    21 Cherry Creek Mortgage                   Greenwood Village, CO           14         68   -79%




                                                                                              Page 7
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 Top 'Alt A' Lenders in Q4 08
 (dollars in millions)
                                                      Alt A' Lenders    %      Market
 Rank Organization Name         Location             Q4 08      Q4 07 change Share
    13 Fidelity Bank            Wichita, KS                $1        $2   -67%     0.07%




                                                                                    Page 8
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      'Alt-A' Lenders Ranked by Number of Loans Funded in Q4 08
                                                           Alt A' Lenders    %       Market
     Rank Organization Name            Location           Q4 08      Q4 07 change Share
        12 M & T Mortgage              Buffalo, NY                1      511   -100%     0.04%




                                                                                             Page 9
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Residential Jumbo Lenders in Q4 2008
(dollars in millions)
                                                         Jumbo        Jumbo          %         Market
Rank          Organization Name         Location         Q4 08        Q4 07        Change      Share
   26 MetLife Home Loans          Memphis, TN                    $7           na            na     0.04%




                                                                                               Page 10
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      Residential Jumbo Lenders Ranked by Number of Loans in Q4 2008
                                                              # Loans     # Loans %
      Rank         Organization Name             Location     Q4 2008     Q4 2007 Change
         21 Branch Banking & Trust Co.   Wilson, NC                  37         713   -95%




                                                                                            Page 11
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     Residential Option ARMs Lenders in Q4 2008
     (dollars in millions)
                                                                                Opt ARMs Opt ARMs                %
     Rank            Organization Name                       Location            Q4 2008   Q4 2007          Change
            1 Wachovia Mortgage, FSB (1)            Charlotte, NC                      $40     $5,502         -99%
              Totals Submitted:                                                       $40     $5,502          -99%

     Note: Results may be incomplete because most lenders would not provide option ARM volumes. (1) Wachovia is now
     owned by Wells Fargo.




                                                                                                                      Page 12
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Residential Reverse Lenders in Q4 2008
(dollars in millions)
                                                       Q4 08          Q4 07        %
Rank     Organization Name          Location       Reverse Volume Reverse Volume Change
 10 Perl Mortgage            Chicago, IL                       $1.0           $1.0   0%




                                                                                          Page 13
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      Residential Multi-Family Lenders in Q4 2008
      (dollars in millions)
                                                        Multi-Family Multi-Family     %
      Rank     Organization Name        Location          Q4 08        Q4 07        Change
         17 AmTrust Bank           Cleveland, OH                 $3           $23       -87%




                                                                                          Page 14
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Commercial Lenders in Q4 2008
(dollars in millions)
                                                        Originations Originations     %
Rank           Organization Name         Location          Q4 08        Q4 07       Change
   14 NCB, FSB                      Washington, DC               $138        $153       -10%




                                                                                      Page 15
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Warehouse Lenders and their Commitments at December 31, 2008
(dollars in millions)
                                                           $ Volume of Comm.         %
Rank             Organization Name        Location         Q4 08        Q4 07      Change
       7 Horizon Bank, NA            Michigan City, IN          $176        $267       -34%




                                                                                         Page 16
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Warehouse Providers Ranked by # of Active Lines at 12/31/08
                                                            # Active Lines           %
Rank           Organization Name        Location          Q4 08         Q4 07      Change
       4 Horizon Bank, NA          Michigan City, IN             27           39       -31%




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      Minimum FICO Scores Accepted in 4Q 2008
                                                                   Min. FICO Scores
      Rank Organization Name                Location               Accepted in 4Q 2008
         16 NetMore America, Inc.           Clackamas, OR                           620




                                                                                      Page 18
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   Top 'Alt-A' Servicers in Q4 08
   (dollars in millions)
                                                               'Alt-A' Servicers    %
   Rank Organization Name               Location               Q4 08       Q4 07 change
      18 Fidelity Bank                  Wichita, KS                 $60         $66   -9%




                                                                                      Page 19
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Top 'Alt-A' Servicers Ranked by Number of Loans in Q4 08
(dollars in millions)
                                                                 # Loans   # Loans %
Rank Organization Name                   Location                Q4 2008   Q4 2007 change
   15 Provident Funding Associates       Burlingame, CA                731      871    -16%




                                                                                       Page 20
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Top Commercial Servicers at December 31, 2008
(dollars in millions)
                                                         Serviced       Serviced %            Market
Rank            Organization Name         Location      at 12/31/08    at 12/31/07 Change     Share
   19 Thomas D. Wood & Company      Coral Gables, FL            $763           $717     6%      0.07%




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 Top Residential Second Lien Servicers at December 31, 2008
 (dollars in millions)
                                                          2nds Serviced 2nds Serviced %
 Rank              Organization Name          Location     at 12/31/08   at 12/31/07 Change
    43 BankUnited                      Coral Gables, FL             $501          $436   15%
    66 Nara Bancorp                    Los Angeles, CA               $29           $35  -18%




                                                                                          Page 22
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Top 2nd Lien Servicers Ranked by Number of Loans at December 31, 2008
                                                           2nds Serviced 2nds Serviced %
Rank               Organization Name           Location     at 12/31/08    at 12/31/07 Change
   24 Provident Funding Associates     Burlingame, CA                3,101          5,290 -41%




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  2nd Lien Residential Lenders Ranked by Average Loan Size in 4Q 2008
                                                         Avg Ln Size In Avg Ln Size In    %
  Rank             Organization Name          Location       4Q 08          4Q 07      Change
     16 Desert School FCU              Phoenix, AZ              $79,316        $64,833      22%




                                                                                          Page 25
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2nd Lien Residential Servicers -- Average Loan Size Serviced at December 31, 2008
                                                              Avg Ln Size       Avg Ln Size         %
Rank              Organization Name         Location           at 12/31/08       at 12/31/07      Change
   28 Nationwide Advantage Mortgage   West Des Moines, IA             $18,135                  na      na




                                                                                                 Page 26
National Mortgage News                           Alternative QDR      226a2a35-930c-421a-ba20-f08a3b20c1ee.xls


             Fannie & Freddie's 'Purchase' Market Share Continues to Rise
             ($ in billions)
                   Time         Purchase Market             Fan/Fred           Industry
                  Period        Share of Fan/Fred           Purchases     Production in Period
             1H 2008                 65.21%                          $687                $1,055
             FY 2007                 49.96%                        $1,324                $2,650
             FY 2006                 29.88%                          $977                $3,272
             FY 2005                 36.25%                        $1,194                $3,294
             FY 2004                 43.73%                        $1,220                $2,790
             FY 2003                 57.51%                        $2,245                $3,904

             Notes: 1H = first-half of 2008. FY = full year. NMN calculates GSE purchase market share by
             dividing the combined loan purchases of Fannie Mae and Freddie Mac by total industry
             production. Industry production for 1H 2008 is an estimate and may be revised later on.
             Source: eMID/NMN. Questions? Email: Paul.Muolo@SourceMedia.com




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