GSE MARKET SHARE OF CONVENTIONAL 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                   50.8%         47.1%         25.4%      

       Moderate Income              57.3%         48.7%         32.0%         

       Lower-Middle Income          60.1%         49.9%         36.2%         

       Upper-Middle Income          61.3%         51.5%         38.4%          

       Upper Income                 62.8%         52.1%         43.6% 

  
     All Borrowers                  59.7%         51.9%         35.8%

      
     GSE Market Share: All Conventional Home Mortgage Loans                62.5%                             

     GSE Market Share: All Conventional Home Mortgage Loans Indicating
                       Borrower Race                                       57.6%  


   GSE Market Share: Number of home mortgage loans acquired by Fannie Mae and
     Freddie Mac in 2000 as a percentage of total conventional 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