Exhibit 99.1




Accredited Home Lenders Holding Co.

15090 Avenue of Science

San Diego, CA 92128

Rick Howe, 858.676.2148







Loans On-Balance Sheet up 47%; Originations up 34%;

Cost to Originate down 15%; Net Income up 19% in 2005


SAN DIEGO, Feb. 14—Accredited Home Lenders Holding Co. (Nasdaq: LEND), a nationwide mortgage company specializing in non-prime residential mortgage loans, today announced record results for the quarter and year ended December 31, 2005.


Net income for the year ended December 31, 2005 was $155.4 million, or $7.07 per share on a fully-diluted basis, an increase of 18.9% over $130.8 million for the year ended December 31, 2004. Total net revenues for the year increased 21.1% to $568.6 million from $469.6 million the prior year.


Net income for the quarter ended December 31, 2005 was $43.3 million, or $1.96 per share on a fully-diluted basis, an increase of 13.6% over net income of $38.1 million for the comparable period in 2004. Total net revenues for the quarter increased by 11.5% to $150.1 million from $134.6 million for the comparable period in 2004.


Chairman and CEO James Konrath said, “Accredited met the challenge of a volatile 2005 for the non-prime mortgage industry by relying on the strength of our proven business model that features profitable origination and portfolio growth, minimizing our net cost to originate, and leveraging our experienced management team. In addition, the record results reflect the strength and commitment of our business partners, and of course, our world-class employees across the United States and in Canada.”


Mr. Konrath added, “We expect 2006 to present an equally challenging environment that we are confronting with the same determination, confidence and focus, which were successful in 2005. To meet that challenge and continue to excel, Accredited will strengthen the primary factors that differentiate it in the marketplace, particularly our commitment to managing for profit, portfolio quality, and diversified loan originations, financing and dispositions.”

The following information was filed by Accredited Home Lenders Holding Co on Tuesday, February 14, 2006 as an 8K 2.02 statement, which is an earnings press release pertaining to results of operations and financial condition. It may be helpful to assess the quality of management by comparing the information in the press release to the information in the accompanying 10-K Annual Report statement of earnings and operation as management may choose to highlight particular information in the press release.

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