GSE MARKET SHARE OF ALL HOME MORTGAGE LOAN ORIGINATIONS 
         
                          BY BORROWER RACE AND INCOME CATEGORY - 2000
                 
                          All Metropolitan Areas in the United States 
                                    
                 
                                                

                                      Borrower Racial Category:


                                                               African-
     Borrower                       White        Hispanic      American
     Income Category:
 
       Low Income                   42.4%         30.6%         18.2%      

       Moderate Income              44.7%         29.1%         20.4%        

       Lower-Middle Income          47.9%         30.5%         23.5%       

       Upper-Middle Income          51.3%         34.3%         26.4%         

       Upper Income                 58.1%         42.9%         35.3%

  
     All Borrowers                  50.9%         34.9%         24.8%

      
     GSE Market Share: All Home Mortgage Loans                             52.3%                             

     GSE Market Share: All Home Mortgage Loans Indicating Borrower Race    47.4%  


   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: 2000 Median Family Income of Metropolitan Statistical Area (MSA or PMSA).      

   Borrower Income Categories:

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