California mortgage lenders need not include the yield-spread premiums, or YSPs, they pay to brokers in determining whether a loan is covered by the state’s anti-predatory lending law, a state appellate court has ruled. The decision by the California Court of Appeal for the 4th District in Wolski v. Fremont Savings and Loan upholds a lower court finding that, as a matter of law, lenders do not have to count YSPs in the statute’s…