It looks like the Government takeover of the mortgage industry is working out very well - for the Government. Third quarter lending results are in and per Origination News, Bank of America is number one, followed by Wells Fargo, Chase and GMAC.  As regulations continue to pile up and consumers choices are further reduced - who wins and who loses?  Winners - the big banks that are backed by the Govt.  Losers - the consumers who have fewer choices.