Accredited Mortgage Loan REIT Trust Declares Q4 Dividend on Preferred Shares

Accredited Mortgage Loan REIT Trust (REIT) announced that the Pricing Committee of the Board today declared a quarterly cash dividend on REITs 9.75% Series A Perpetual Cumulative Preferred Shares at the rate of $0.609375 per share. The dividend will be paid on January 2, 2008 to preferred shareholders of record at the close of business on December 14, 2007.

About Accredited Mortgage Loan REIT Trust

Accredited Mortgage Loan REIT Trust, a subsidiary of Accredited Home Lenders Holding Co., is a Maryland real estate investment trust that was formed in May 2004 for the purpose of acquiring, holding and managing real estate assets.

Forward Looking Statement

Statements regarding the payment of the dividend on REITs 9.75% Series A Perpetual Cumulative Preferred Shares constitute forward-looking statements within the meaning of the federal securities laws. Such statements are based on current expectations, and the actual results and the timing of certain events could differ materially from those projected in or contemplated by these forward-looking statements due to a number of factors, including but not limited to the liquidity and capital needs of REIT. REIT cautions readers that the non-prime mortgage industry and REITs business are subject to numerous significant risks and uncertainties.

Contacts:

Accredited Mortgage Loan REIT Trust
Rick Howe, 858-676-2148
rhowe@accredhome.com

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