Wachovia to Acquire Golden West Financial

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COMMUNITY AREA 39 - KENWOOD HOUSING DATA Mortgageable Single-Family Properties
[Includes single-family structures (1-4 units) and condos (owner-occupied units in buildings with 5+ units)] Number Percent 3,030 2,617 26% 6,318 63% Vacant 1,039 10% Owner-Occupied Units
Renter-Occupied Units Total 9,974 100% 79 Number of Loans $35-55,000 $56-82,000 $82,000+ Unreported $1-34,000 LOANS BY INCOME OF APPLICANT 201 $173,437 $39,132 Banks, S+Ls, Bank-Owned Mortgage Companies TOTAL HOUSING LENDING Total Total Number of Loans Total Dollar Amount ($1,000) Independent Mortgage Companies 741 942 $212,569 (2000 Census Data) MEDIAN FAMILY INCOME $43,554 (2000 Census Data) 30 116 238 479 (estimated 2000) Number LOANS BY RACE Race Applications Number Number Percent Percent Loans Originated Applications Denied Number of Asian 66 43 8 65.2% 12.1% Black 797 449 178 56.3% 22.3% Hispanic 21 13 2 61.9% 9.5% White 370 271 50 73.2% 13.5% Other 46 20 18 43.5% 39.1% Unreported 299 146 70 48.8% 23.4% 1,599 942 58.9% 326 Total 20.4% LENDING OVER SIX YEARS (Originations) 1999 2000 2001 2002 2003 Change 1998-2003 Loan Type 1998 182 5 197 63 458 249 5 129 25 422 291 9 295 21 627 239 0 420 22 698 233 5 660 25 942 11 14 11 17 19 139 7 66
13 460 Conventional Purchase
VA/FHA Purchase
Refinance
Home Improvement
Multi-Family
Total Loans 67.6% -28.6% 180.9% -62.1% 46.2% 104.8% 235

CHICAGO COMMUNITY AREA LENDING PROFILES FOR THE MOST ACTIVE BANKS, SAVINGS & LOANS, AND MORTGAGE COMPANIES (2003)
AREA: 39 KENWOOD
–––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– –––––––––––––––––––––––––––––––––––––––––––––––– Top Home Purchase Lenders VA/FHA Conventional Top Refinance Lenders Lender Loans $1,000 Loans $1,000 Lender Loans $1,000 –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– –––––––––––––––––––––––––––––––––––––––––––––––– AMERICAN HOME MORTGAGE 0 0 2 279 AMERICAN HOME MORTGAGE 7 1,812 ARGENT MORTGAGE COMPANY 0 0 5 1,718 AMERIQUEST MORTGAGE COMPANY 4 337 BANK OF AMERICA, N.A. 0 0 12 1,939 ARGENT MORTGAGE COMPANY 10 1,388 BANK ONE, NA 0 0 2 888 BANK OF AMERICA, N.A. 25 9,047 CENDANT MORTGAGE 0 0 7 1,330 BANK ONE, NA 21 2,392 CHAPEL MORTGAGE 0 0 2 580 BNC MORTGAGE 5 1,576 CHARTER ONE BANK 0 0 1 161 CENDANT MORTGAGE 8 1,398 CHASE MANHATTAN BANK USA, NA 0 0 4 128 CHARTER ONE BANK 6 1,163 CHASE MANHATTAN MORTGAGE CORP 0 0 8 1,791 CHASE MANHATTAN MORTGAGE CORP 36 6,274 CHICAGO BANCORP, INC. 1 115 7 885 CITIBANK, FSB 17 3,135 CITIBANK, FSB 0 0 1 75 CITIMORTGAGE, INC 23 2,874 CITIMORTGAGE, INC 0 0 7 1,244 COUNTRYWIDE HOME LOANS 19 4,531 COUNTRYWIDE HOME LOANS 0 0 14 4,614 DRAPER AND KRAMER MORTGAGE 4 399 FIFTH THIRD MORTGAGE COMPANY 1 163 1 178 FIELDSTONE MORTGAGE COMPANY 6 1,295 FINANCE AMERICA, LLC 0 0 4 865 FIFTH THIRD MORTGAGE COMPANY 6 2,779 FIRST FRANKLIN FINANCIAL CORP. 0 0 3 391 FIRST FRANKLIN FINANCIAL CORP. 4 999 FLAGSTAR BANK 0 0 4 818 FLAGSTAR BANK 6 898 FREMONT INVESTMENT & LOAN 0 0 8 1,454 FREMONT INVESTMENT & LOAN 5 1,003 GB HOME EQUITY, LLC 0 0 2 40 GMAC BANK 12 3,077 HARRIS TRUST AND SAVINGS BANK 0 0 4 888 GMAC MORTGAGE CORPORATION 5 936 INDYMAC BANK, F.S.B. 0 0 3 1,059 GREENPOINT MORTGAGE FUNDING 5 2,313 IRWIN MORTGAGE CORP 0 0 2 325 HARRIS TRUST AND SAVINGS BANK 22 4,623 LASALLE BANK NA 1 178 6 1,345 HSBC MORTGAGE CORPORATION 7 1,993 LONG BEACH MORTGAGE CO. 0 0 5 511 IRWIN MORTGAGE CORP 9 1,992 MARKET STREET MORTGAGE CORP 0 0 2 225 LASALLE BANK NA 47 9,077 MERITAGE MORTGAGE CORP 0 0 2 350 LONG BEACH MORTGAGE CO. 5 756 MIDAMERICA BANK 0 0 7 1,764 MERRILL LYNCH CREDIT CORP. 4 1,723 NATIONAL CITY MORTGAGE CORP 0 0 3 1,184 MIDAMERICA BANK 10 4,628 NEW CENTURY MORTGAGE CORP. 0 0 2 442 NATIONAL CITY MORTGAGE CORP 12 2,784 PEOPLE'S CHOICE HOME LOAN, INC 0 0 5 1,008 NEW CENTURY MORTGAGE CORP. 6 1,250 PRINCIPAL RESIDENTIAL MTG, INC 0 0 1 136 OHIO SAVINGS BANK 4 1,163 RBC MORTGAGE COMPANY 0 0 4 1,317 OPTION ONE MORTGAGE CORP. 5 1,069 RBMG, INC. 0 0 5 850 PRINCIPAL RESIDENTIAL MTG, INC 6 1,047 RES. MORT. ASSIST. ENTERPRISE 0 0 2 400 RBC MORTGAGE COMPANY 9 2,028 SAXON MORTGAGE 0 0 2 219 SHOREBANK 9 3,392 SEAWAY NATIONAL BANK OF CHGO 0 0 2 590 SIB MORTGAGE CORP. 4 668 SHOREBANK 0 0 3 494 TAYLOR, BEAN, & WHITAKER 5 814 SIMPLICITY MORTGAGE CORP 2 356 0 0 TCF NATIONAL BANK 4 353 THE NORTHERN TRUST COMPANY 0 0 6 2,330 THE NORTHERN TRUST COMPANY 14 4,594 UNION PLANTERS BANK, N.A. 0 0 4 764 UNITED FINANCIAL MORTGAGE CORP 4 538 UNIVERSITY NATIONAL BANK 0 0 3 140 US BANK, N.A. 4 826 WASHINGTON MUTUAL BANK, FA 0 0 10 1,437 WASHINGTON MUTUAL BANK, FA 53 10,834 WELLS FARGO HOME MORTGAGE 0 0 27 6,029 WELLS FARGO FUNDING 4 1,663 WMC MORTGAGE CORP. 0 0 3 407 WELLS FARGO HOME MORTGAGE 37 7,929 WORLD SAVINGS BANK 0 0 2 223 WORLD SAVINGS BANK 5 833
–––––––––––––––––––––––––––––––––––––––––––––––– –––––––––––––––––––––––––––––––––––––––––––––––– Top Home Improvement Lenders Top Multi–Family Lenders Lender Loans $1,000 Lender Loans $1,000 –––––––––––––––––––––––––––––––––––––––––––––––– –––––––––––––––––––––––––––––––––––––––––––––––– CENTRAL CREDIT UNION OF ILLINO 2 250 AMALGAMATED BANK OF CHICAGO 2 511 CITIBANK, FSB 1 10 BANKFINANCIAL, F.S.B. 1 1,000 GB HOME EQUITY, LLC 2 114 CHARTER ONE BANK 1 1,500 GMAC MORTGAGE CORPORATION 1 35 CITIBANK, FSB 2 2,350 HARRIS TRUST AND SAVINGS BANK 1 25 HARRIS TRUST AND SAVINGS BANK 1 350 LASALLE BANK NA 2 225 HYDE PARK BANK 1 585 MIDAMERICA BANK 4 487 LASALLE BANK NA 2 2,207 SHOREBANK 1 10 MIDAMERICA BANK 1 2,150 THE NORTHERN TRUST COMPANY 1 15 SHOREBANK 3 3,298 UNIVERSITY NATIONAL BANK 1 50 WASHINGTON MUTUAL BANK, FA 1 400