There has been about a 23-point drop in FICO scores among current borrowers who took loans without government backing in 2006 and 2007, they said. The U.S. home-ownership rate remained at a 10-year.
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Keith Cargill, CEO of the $29.9 billion-asset Texas Capital Bancshares, said the Dallas company has been de-risking its portfolio, especially in leveraged and energy-industry loans, which can.
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