LIST OF EXHIBITS

Exhibit

Page

III-1

Percent of Respondents Attributing No Difference to
Characteristics of Portfolio Loans and Loans Sold
to Secondary Market Investors

III.5

IV-7

Frequency of Borrower Participation in the Selection
of the Mortgage Insurer

IV.18

LIST OF EXHIBITS (Continued)

Exhibit

Page

IV-8

Distribution of Institutions Having Master Policies
with Different Mortgage Insurers

IV.22

IX-3

Distribution of Calculated Commission Rates for Four
Cities in 1975, 1978, and 1979

IX. 14

X-1

Sources of Mortgage Financing for Buyer Interviews,
Selected SMSAs, 1979-1980

X.9

X-2

Mortgage Lending Concentration Within the Greater
Washington, D.C., Area

X.10

X-3

Concentration of Mortgage Lending Within the Greater
Washington, D.C., Area by Lender Type, 1977-1979

X.12

X-4

Assessment by Lenders of Buyer Understanding of the
Settlement Process

X.15

X-8

Summary of Variation in Calculated, Effective Interest
Rates for Selected SMSAs, January and May 1980

X.25

X-9

Effective Interest Rate Summary Data for Four Areas
During January 23-24, 1980

X.27

X-10

Comparison of Monthly Payments for a $75,000 Conventional
Loan with a Contract Rate Equal to High and Low Effective
Effective Interest Rates, January and May 1980

X.29

X-11

Timing of Receipt of a Written Commitment Among Borrowers
Who Did Receive Such Notice

X.38

X-12

Percent of Lending Institutions Interviewed Who Ever
Self-Insured or Paid Directly for Mortgage Insurance

Coverage

X.40

X-14

Lender Policies With Regard to Cancellation of Mortgage
Insurance Coverage

X.43

X-15

Frequency With Which Borrowers Were Directed by Lenders
to Particular Providers

X.46

X-18

Frequency With Which A Buyer Is Informed of a Lender's
Business Relationship With a Required Provider

X.51

X-19

Percent of Interviewed Lenders Describing Particular
Providers as Local Board Members

X.52

XI-1

National Market Share by Tier Group in Terms of Direct
Premiums Written, 1970-1979

XI.6

XI-5

Concentration of Top Firms in Terms of Annual Premiums
Written in Ten States, 1976 and 1979

XI.11

XI-6

Market Share of Private Mortgage Insurance Direct
Premiums Written, 1976-1979

XI.13

XI-7

Distribution of Institutions Having Master Policies
With Different Mortgage Insurers

XI.15

XI-8

Percent of All Consumer Respondents Who Attributed
an Influence in the Selection of the Mortgage Insurer,
Selected SMSAs, 1979-1980

XI.18