<ARTICLE> 5 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> MAR-31-1999 <CASH> 7,270 <SECURITIES> 221,483 <RECEIVABLES> 3,896,869 <ALLOWANCES> (53,536) <INVENTORY> 0 <CURRENT-ASSETS> 0 <PP&E> 0 <DEPRECIATION> 0 <TOTAL-ASSETS> 4,072,086 <CURRENT-LIABILITIES> 33,039 <BONDS> 3,156,036 <PREFERRED-MANDATORY> 803 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 882,208 <TOTAL-LIABILITY-AND-EQUITY> 4,072,086 <SALES> 0 <TOTAL-REVENUES> 39,461<F1> <CGS> 0 <TOTAL-COSTS> 9,171 <OTHER-EXPENSES> 0 <LOSS-PROVISION> 6,681 <INTEREST-EXPENSE> 0 <INCOME-PRETAX> 23,609 <INCOME-TAX> 0 <INCOME-CONTINUING> 23,609 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 23,609 <EPS-PRIMARY> 0.30 <EPS-DILUTED> 0.30 <FN> <F1>INCLUDES 52,434 OF INTEREST EXPENSE RELATED TO MORTGAGE LOAN ACTIVITIES </FN>