ABN AMRO Apartment Lending

AccuBank

Alliance Bancorp

America California Bank

American River Bank

Banc of America Securities

Banc One Mortgage Capital Markets LLC

Bank of Agriculture and Commerce

Bank of Alameda

Bank of America

Bank of Commerce

Bank of Hemet

Bank of Los Altos

Bank of Marin

Bank of Santa Clara

Bank of the West

Bank of Walnut Creek

Bay Area Bank

Bay Bank of Commerce

Borel Private Bank & Trust

Bridge Bank of Silicon Valley

Business Bank of Nevada

Business Partners, LLC

Butte Community Bank

California Center Bank

California National Bank

California Pacific Bank

California Savings

Cathay Bank

Centennial Bank

Central California Bank

CIT Small Business Lending

City National Bank

CNL Commercial Finance, Inc.

Coast Community Bank

Community Bank of the Bay

Community Banks of Tracy

Community National Bank

Cupertino National Bank

Deutsche Bank of Mortgage Capital

El Dorado Bank

Evangelical Credit Union

Exchange Bank

Far East National Bank

Feather River State Bank

First Bank and Trust Company

First Bank of Beverly Hills

First Northern Bank

Five Star Bank

Fremont Bank

Fullerton Community Bank

GE Capital Small Business Finance

General Bank

Golden Gate Bank

Goleta National Bank

Greater Bay Bank

Hanmi Bank

Heritage Bank of Commerce

Hudson Valley Bank

Inland Community Bank

Innovative Bank

International Bank of California

La Jolla Bank

Los Padres Bank

Marshall & Ilsley Bank

Metropolitan Bank

Mid-Peninsula Bank

Mirae Bank

Monterey County Bank

Mt. Diablo National Bank

Nara Bank

National American Bank

National Bank of the Redwoods

National Cooperative Bank

Network Bank

Nevada State Bank

Northern Trust Bank of California

Oceanic Bank

Pacific Capital Bank

Pacific Crest Bank

Peninsula Bank of Commerce

Placer Sierra Bank

Premier Bank

Premier Commercial Bank

Scott Valley Bank

Sequoia national Bank

Shanghai Commercial Bank

Sincere Federal Savings Bank

Solano Bank

Sonoma National Bank

South Valley National Bank

Southwest Bank of Texas

Southwest Community Bank

Sterling Bank & Trust

Summit Bank

Summit State Bank

Tamalpais Bank

The Bank of Kuwait, LLC

The Mechanics Bank

Transpacific National Bank

U.S. Bank

Union Safe Deposit Bank

United Commerical Bank

United Security Bank

Valley Community Bank

Vintage Bank

Wachovia Small Business Capital

Wells Fargo Bank

WestAmerica Bank

Western State Bank

Wilshire State Bank

Yolo Community Bank

Zions First National Bank

AID Association for Lutheran

All State Life Insurance Company

American General Life & Accident Co.

CA Indemnity Insurance Co.

Century Life of America

Confederation Life Insurance Co.

Equitable Services (Equitable Real Estat...

Farm Bureau Life

Great Northern Annuities

GWL Properties (Great Western Life)

IDS Financial Services

John Hancock Real Estate Finance Inc.

Manufacturers Life Insurance

Mass Mutual Insurance Co.

New York Life Insurance Co.

New York Life Insurance Company

Safeco Insurance Company

Stancorp Mortgage Investors, LLC

Standard Insurance Co.

United Benefit Life Insurance Co.

Archer, McComas & Breslin

Berliner, Cohen & Biagini

Blum, Kay, Merkle & Stoermer

Bronson, Bronson & McKinnon

Bryant, Clohan, Eller, Maines & Baruh

Coblentz, Cahen, McCabe & Breyer

Cotkin, Collins & Francell

Feldman, Shaw & DeVore

Flynn & Phillips, LLP

Foley & Lardner, LLP

Foley, McIntosh & Foley

Heller, Erhman, White & McAuliffe

Hopkins & Carley

Irell and Manella, LLP

Landels, Ripley and Diamond

Law Offices of Gagen, McCoy, McMahon & A...

Law Offices of Jack C. Provine

Law Offices of Janina M. Elder

Law Offices of Peggy L. Bennington

Law Offices of Ronald H. Kahn

Law Offices of Steven R. Faires

McCutchen, Doyle, Brown & Enersen

McInerney & Dillon

Morrison & Foerster

Page & Sohnen

Palmer & Dodge

Taylor, Noble & McCain

Titchell, Maltzman, Mark & Ohleyer

Varni, Fraser, Hartwell, McNichols & Rod...

ARCS Commercial Mortgage Co., L.P.

Babson Capital Management, Inc.

Barry S. Slatt Mortgage Company

BNY Mortgage Company

Boston Capital Mortgage Company

Buchanan Street Partners

California Mortgage and Realty Inc.

Cohen Financial

Collateral Mortgage

Column Financial

Continental Wingate Capital

Cushman Capital

Fidelity Bancorp Funding

Fidelity Mortgage

First Blackhawk Financial

GMAC Commercial Mortgage Corp.

Grand Pacific Financing Corp.

Greenwich Financial Products

IMPAC Commercial Capital Corp.

Interbay Funding

Investment Grade Loans, Inc.

J.P. Morgan Mortgage

Liberty Mortgage Acceptance Corp.

Marcus & Millichap Capital Corporation

Marin Mortgage Bankers

Mason McDuffie Financial Corporation

Merrill Lynch Business Financial Service...

Newmark Realty Capital

Owens Financial Group, Inc.

The Allison Company

Trowbridge Kieselhorst Company

Venture West Funding

CA Community Reinvestment

CA Dept. of Transportation (CalTrans)

CA State Lands Commission

City of Monterey

City of Pittsburg

City of San Jose

City of Santa Cruz

City of Walnut Creek

Contra Costa Water District

County of Alameda

County of Santa Clara

Ecumenical Assoc. for Housing

Federal Deposit Insurance Corp. (FDIC)

General Services Administration

Housing Authority of the County of Contr...

Port of Oakland

Rehabilitation Services of N. Ca.

Sac. Housing & Redevelopment

San Francisco Housing Development Corp.

The Trust for Public Land

U.S. Dept. of Housing & Urban Devel. (HU...

U.S. Small Business Admin.

United States Marshal's Office

United States Postal Service

Yolo County Transit Authority

Bigge Equipment Co.

BP West Coast Products, LLC

Chevron USA

Darden Restaurants

Fidelity National Title

Foodmaker Inc.

John Muir Hospital

Kaiser Permanente

KIA of Hayward

Lyon's Restaurant

McDonald's Corporation

MJB Rice Company

North American Title

Oil Changers

Pacific Gas & Electric

Panda Express

PMI Mortgage Insurance Company

San Francisco Art Institute

Shell Oil Company

The Kitchen Store

Waste Management

AMB Property Company

American Homes

Boulevard Development

Castle Group California, Inc.

Castlewood Properties, Inc.

Catellus Commercial Group, LLC

Cordoza Properties

Deerwood Corporation

Divco West Group

Elliott, Burman & Feldman

First Western Development

Hercules Inc.

Lawrie Development

Morse & Associates

Potts & Associates

Reynolds & Brown Development

San Francisco Office Lofts, Inc.

Sares Regis Group

Shell Vacations

SRS Development Company

Staubach Company

Telesis Partnerships Inc.

The John Berry Organization

The Jonathan Group

The Sprincin Company

The Watkins Co.

Top Vision Development LLC

William A. Saks & Co.

William Lyon Homes