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Home to more foreclosures than 47 U.S. states, Florida sought to clear out its backlog. In 2005, the couple tried to refinance by getting a fixed-rate mortgage to replace an adjustable-rate one..

The Market Composite Index, a measure of mortgage loan application volume, increased 1.3 percent on a seasonally adjusted basis from one week earlier. On an unadjusted basis, the Index increased 1.

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