21.   In his view, Odessa College got into trouble by placing its entire investment portfolio in derivatives that were tied to the home mortgage market.

22.   In the mortgage bond market, one response has been to switch into Treasuries.

23.   Investors in the mortgage bond market, meantime, expect the drop in rates to prompt few homeowners to refinance the loans backing their securities.

24.   It may help stave off a mass exodus from the mortgage market to Treasuries, some investors say.

25.   It may help stave off any mass exodus from the mortgage market to Treasuries, some investors say.

26.   Mortgage brokers are supposed to scour the national mortgage market for the lowest rates for their customers.

27.   Of the bigger banks, brokers mentioned Dime Savings Bank and the Apple Bank for Savings as being particularly active in the mortgage market these days.

28.   One of the most significant changes in the mortgage market in recent years is that people wanting to know about mortgages are flocking to the Internet.

29.   PacificAmerica, based in suburban Woodland Hills, blamed the weak subprime mortgage loan market for its woes.

30.   Prospective home buyers surveying the mortgage market have seen mortgage rates rise steadily if undramatically since last June, prodded by Federal Reserve interest-rate increases.