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January 30, 2006

Refinance Mortgage - Californians May Be First To Feel Home Loan Pinch

Filed under: Refinance Home Loans — Administrator @ 6:20 pm

Californians May Be First To Feel Home Loan Pinch
Realty Times, TX - Jan 24, 2006 The proposal was not unlike "Credit Risk Management Guidance For Home Equity Lending" released earlier last year to target risky equity loan making.

Mid-State Bancshares Reports 9.5% Earnings per Share Increase for
Business Wire (press release), CA - 6 hours ago secured loans, excluding construction and land development loans and home equity credit lines, total approximately $813 million or 54% of the loan portfolio.

JPMorgan Chase Reports 2005 Fourth-Quarter Net Income of $2.7
Business Wire (press release), CA - Jan 18, 2006 partially by loan spread compression due to rising short-term interest rates and a flat yield curve, which contributed to accelerated home equity loan payoffs.

Provident Bankshares Corporation Reports Record 2005 Earnings
MSN Money - Jan 19, 2006 Maryland and Virginia. In 2005, home equity loan balances and new business production reached record levels. The strong housing

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