In June 2004 Mortgage Choice's loan book was 70 per cent major banks, but a continued increase from regional and foreign banks has pushed market share down to 61 per cent by June 2007.For the four year period regional banks have increased from 9 to 12 per cent, with foreign banks increasing from 6 to 9 per cent and credit unions improving from 4 to 7 per cent. Building societies, other banks and what was termed as 'other' accounted for a combined total of 11 per cent, which has remained stable for the period.When reviewing future growth, managing director Paul Lahiff views New South Wales as a 'sleeper', and expects a boost to Mortgage Choice as the state recovers.NSW accounts for 46 per cent of the $29.6 billion loan book, but for financial year 2007 only accounted for 36 per cent or $4 billion of the national $11.1 billion loan approvals. Mortgage Choice has 85 of 213 retail sites in NSW.Resource driven Western Australia and Queensland accounted for 37 per cent new loans, but only account for 29 per cent of the total loan book.South Australia, Northern Territory and Tasmania new loans remained stable with their total market share of the loan book.Mortgage Choice reported the strong contribution of broker introduced business to the major lenders in 2007 with ANZ, CBA and Suncorp in the mid to high 30 per cent range, Westpac close to a quarter with St George reporting 43 per cent. National broker introduced business is less than a quarter.