GSE MARKET SHARE OF HOME MORTGAGE LOAN ORIGINATIONS 
         
                          BY CENSUS TRACT INCOME CATEGORY - 2000
                 
                       All Metropolitan Areas in the United States 
                                    
                 


                                  Census Tract Income Category
                      

                                              Lower-      Upper-         
                       Low       Moderate     Middle      Middle      Upper
                      Income      Income      Income      Income      Income 
  


  All Loans            33.8%       39.2%       46.0%       53.2%       63.8% 
              
  Conventional Loans   39.3%       48.6%       56.9%       64.2%       72.8%   




          GSE Market Share: All Home Mortgage Loans                 52.3% 
  
          GSE Market Share: All Conventional Home Mortgage Loans    62.5%




  GSE Market Share: Number of home mortgage loans acquired by Fannie Mae and
     Freddie Mac in 2000 as a percentage of total home mortgage loan originations 
     reported by all lenders in 2000 pursuant to HMDA (excluding loans above
     the $252,700 GSE loan-size ceiling). 

   Home Mortgage Loan: Home purchase loan or refinancing loan secured by
     a 1-4 unit dwelling. 

   Area MFI: 1990 Median Family Income of Metropolitan Statistical Area (MSA or PMSA).

   Census Tract Income Categories:

     Low Income: Census tract income < 50% of Area MFI. 
     Moderate Income: Census tract income >= 50% and < 80% of Area MFI.                  
     Lower-Middle Income: Census tract income >= 80% and < 100% of Area MFI.                        
     Upper-Middle Income: Census tract income >= 100% and < 120% of Area MFI.                     
     Upper Income: Census tract income >= 120% of Area MFI.


        Source: HUD, 2000 GSE Public Use Data Base, Single-Family Properties,
                  Census Tract File; FFIEC, 2000 HMDA data.  

                Essential Information, PO Box 19405, Washington, DC