* 48% of homeowners who currently have a mortgage said they used a bank or a credit union to obtain their mortgage loan. Nearly half said they received their mortgage from other sources for mortgage financing. * Among those who use a bank or a credit union for their mortgage, half chose to use the same bank or credit union where they had their checking or savings account. * Those respondents who said they didn't use a bank or credit union for their mortgage said these financials could do a better job explaining the costs, terms and conditions of loans, including what it takes to qualify for loans or providing friendlier service. * 75% of respondents to Fannie Mae's 2001 National Housing Survey indicated they were aware of their credit rating. * 59% of adults in the U.S. said they felt comfortable with the terms used in buying or selling a home. That's up from 51% in 1998 and only 46% in 1992.