The market in mortgage-servicing rights attached to Fannie Mae, Freddie Mac and Ginnie Mae securities remained moribund in 2003 despite an uptick of business during the fourth quarter. A total of $341.7 billion in “agency” servicing rights was transferred during 2002, down from $399.4 billion in the previous year. As a percentage of outstanding Fannie, Freddie and Ginnie servicing, last year’s transfer