WHAT: Mortgage Bankers Association (MBA) 3rd Quarter 2009 National Delinquency Survey (NDS) Media Conference Call.
           Conducted quarterly since 1972, MBA's National Delinquency Survey covers more than 40 million loans on one-to-four-
            unit residential properties, representing more than 80 percent of all first-lien residential mortgage loans outstanding in 
            the United States.

            The NDS provides delinquency and foreclosure rates at the national, regional and state levels. Rates are reported by
             length of delinquency (30 days, 60 days, 90 days or more), type of loan (prime, subprime, FHA and VA), and for fixed-
            rate and adjustable-rate mortgages.

WHEN:   Thursday, November 19, 2009
              10:30 a.m. ET

WHO:  Jay Brinkmann, MBA's Chief Economist and Senior Vice President of Research and Economics, will provide analysis on
           the data and will be available for a question-and-answer session following the analysis.

REGISTRATION: If you are a member of the media (media only are allowed on the call) and would like to reserve your space
                          and receive the call-in number (available lines are limited), please contact the Public Affairs department:

                         Carolyn Kemp                                                Melissa Key
                         (202) 557-2727                                              (202) 557-2799
                         ckemp@mortgagebankers.org                          mkey@mortgagebankers.org

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The Mortgage Bankers Association (MBA) is the national association representing the real estate finance industry, an industry that employs more than 280,000 people in virtually every community in the country. Headquartered in Washington, D.C., the association works to ensure the continued strength of the nation's residential and commercial real estate markets; to expand homeownership and extend access to affordable housing to all Americans. MBA promotes fair and ethical lending practices and fosters professional excellence among real estate finance employees through a wide range of educational programs and a variety of publications. Its membership of over 2,200 companies includes all elements of real estate finance: mortgage companies, mortgage brokers, commercial banks, thrifts, Wall Street conduits, life insurance companies and others in the mortgage lending field. For additional information, visit MBA's Web site:  www.mortgagebankers.org.