Ryland Group is a homebuilder and a mortgage-finance company. All of Co.'s operations consist of various aspects of the homebuying process, from design, construction and sale to mortgage origination, title and escrow services. Co. consists of six reportable segments: four geographically determined homebuilding regions; financial services; and corporate. Co.'s homes are built on-site and marketed in four geographic regions, or segments: North, Southeast, Texas and West. Co. markets attached and detached single-family homes. The financial services segment provides mortgage-related products and services, as well as title and escrow services, to its homebuyers.