Ryland Group, Inc.
Industry: Construction/Agriculture/Construction Services

The Ryland Group, Inc. (Ryland) is a national homebuilder and mortgage-related financial services firm operating in the United States. The Company's homebuilding segment specializes in the sale and construction of single-family attached and detached housing. It builds homes primarily for first-time buyers, as well as for move-up buyers. As of December 31, 2002, Ryland homes were available in 306 communities in 25 markets across the United States. The Company's financial services segment provides loan origination, title, escrow and insurance brokerage services for its homebuilding customers and maintains a portfolio of mortgage-backed securities and notes receivable.

Business Summary
The Ryland Group, Inc. engages in homebuilding and mortgage-financing businesses primarily in the United States. The company’s operations span various aspects of the home buying process, including design, construction, and sale to mortgage origination, title insurance, settlement, escrow, and homeowners insurance brokerage services. Its Homebuilding segment markets detached and attached single-family homes, which are targeted to entry-level and move-up buyers, as well as to active adults seeking retirement housing. As of December 31, 2004, the company operated in 339 communities in 27 markets in the United States. The company’s Financial Services segment provides mortgage-related products and services, and insurance brokerage services primarily to the company’s homebuilding customers. It arranges various types of mortgage financing, including conventional, federal housing administration, and veterans administration mortgages, with various fixed and adjustable-rate features. The Ryland Group was founded in 1967 and is headquartered in Calabasas, California.

Financial Summary
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