Mortgage Choice managed to increase originations of home loans for lenders at 14 per cent in the year to December 2007, a rate slightly more than overall growth in lending. The aggregator thus earns fees from lenders on a mortgage book of $31.6 billion.Net profit increased five per cent to $10.6 million on the corresponding period, with all this profit paid as dividend.Management said loan originations through franchises for the major banks increased to 59 per cent of loan volumes in the December quarter of 2007 compared to 53 per cent for the first two quarters of 2007.Managing director Paul Lahiff commented that the major banks had reclaimed market share from non-bank lending sufferers such as Rams and Pepper.Lahiff described Queensland as a 'powerhouse of growth', as the state accounted for $1.6 billion or 27 per cent of first half financial year 2008 approvals, compared to holding only 21 per cent of the total book."For us, Queensland and Victoria outperformed (in relative terms) the larger New South Wales market in this reporting period."The fact that we now have less reliance on NSW is also a major plus in terms of earnings resilience, given the subdued nature of the NSW economy."NSW/ACT accounted for $2 billion or a third of approvals, compared to a 44 per cent chunk of the overall mortgage book.