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(Click for frequent words.) 63 subprime loans 61 mortgages 60 subprime borrowers 58 option ARMs 58 borrowers 58 mortgages ARMs 57 hybrid ARMs 57 conforming mortgages 56 subprime mortgages 56 Option ARMs 56 nonprime borrowers 55 FHA loans 55 nonprime loans 54 rate mortgages ARMs 54 mort gages 54 nonconforming mortgages 54 mortgage lenders 54 FHA insured mortgages 54 mortgage 54 mortgage originators 54 Subprime loans 54 plain vanilla mortgages 54 subprime lenders 53 FICO scores 53 mortgage brokers 53 adjustable rate 53 creditworthy borrowers 53 conforming jumbo 53 nonprime mortgages 53 adjustables 53 lax underwriting 53 refinancers 53 jumbo loans 52 jumbo mortgages 52 FRMs 51 Subprime lenders 51 HELOCs 51 QRM definition 51 ARMs 51 conforming jumbo loans 51 loan originators 51 negatively amortizing 50 subprime 50 riskiest borrowers 50 HOEPA 50 Option ARM 50 Freddie Mac FMCC 50 adjustable mortgages 50 subprime mortgage 50 Remortgages 50 Refinancings 50 Adjustable Rate Mortgages ARMs 50 thrifts 50 subprimes 50 CREL CDOs 49 Subprime mortgages 49 Delinquent borrowers 49 lenders 49 securitizers 49 subprime originations 49 backed securities 49 prepayment penalties 49 Mortgage originators 49 subprime lending 49 HECMs 49 RMBS collateral 49 securitizing mortgages 49 Subprime lending 49 Freddie Mac FRE.N 49 jumbo conforming 49 nonprime mortgage 49 FHA 49 Pay Option ARMs 49 Self cert 49 Option Adjustable Rate 48 PRJ NYSE FNM PRF 48 riskiest subprime 48 lax lending 48 Freddie Mac FMCC.OB 48 LTV ratios 48 Mortgage Disclosure 48 mortgage originations 48 predatory lending practices 48 QRMs 48 mortgage defaults 48 value LTV ratios 48 securitized pools 48 NYSE FNM PRM 48 robo signing controversy 48 loans 48 borrower 48 Freddie Mac 48 CRE loans 48 Reverse mortgages 48 subprime mortgage delinquencies 48 mortgage loan fundings 47 insured depository institutions 47 jumbo adjustable 47 mortgage servicers 47 depository institutions 47 TARP recipients 47 loan modifications 47 securitize mortgages 47 securitized mortgages 47 Option ARMS 47 financier Freddie Mac 47 HECM 47 conforming jumbos 47 Subprime borrowers 47 Mortgage Bankers Association 47 Lending Practices 47 delinquencies 47 lender Accredited 47 borrowers defaulting 47 loan originations 47 Adjustable Rate Mortgages 47 Lax lending 47 FDIC insured institutions 47 Ofheo 47 mortgage delinquencies 47 FirstMortgage Inc. 47 Fannie Mae FNM.N 47 securitizer 46 Lenders Holding Co. LEND.O 46 subprime ARMs 46 Tighter lending 46 Adjustable Rate Mortgage 46 FHA insured mortgage 46 LTV ratio 46 Andrukonis 46 nonbanks 46 refinancings 46 HECM loans 46 Adjustable rate 46 assignee liability 46 GSEs 46 jumbo ARMs 46 nonbank lenders 46 Freddie Mac OTC FMCC 46 ComplianceAnalyzer 46 credit histories 46 borrower creditworthiness 46 reverse convertibles 46 HomeEq 46 Fannie Mae OTC FNMA 46 sub prime 46 FFELP student 46 FHLBanks 46 subprime adjustable 46 Fannie Mae 46 originations 46 subprime Alt 46 Fannie Mae FNM.N FNM.P 46 FHA insured 46 overlimit fees 46 ARM resets 46 rated CREL CDOs 46 Lenders 46 jumbo adjustable rate 45 refis 45 payday lenders 45 FHLBs 45 RMBSs 45 homeloan 45 FreddieMac 45 HousingWire 45 nonprime 45 mortgagors 45 re REMICs 45 ComplianceEase 45 Delinquencies 45 predatory lenders 45 mortgage loan originations 45 IndyMac 45 CDOs 45 loan servicers 45 servicers 45 mortages 45 Real Estate Settlement Procedures 45 Nonprime 45 Mortgage originations 45 Freddie Mac FRE.P FRE.N 45 Fieldstone Investment 45 borrower refinances 45 nonrevolving debt 45 MISMO XML 45 Mortgage Bankers Assn 45 DSNews.com 45 negative amortizing 44 FICO score 44 FFIEC 44 securitized loans 44 predatory lending 44 HECM reverse 44 Equity Conversion Mortgages 44 unscrupulous lenders 44 DataX 44 delinquent borrowers 44 MBS AFS 44 nonmortgage 44 Equity Conversion 44 lending 44 LTVs 44 nation riskiest subprime 44 HELOC 44 Freddie Mac FRE.N FRE.P 44 Borrowers 44 homeloans 44 publisher HSH Associates 44 FHA insures 44 loan origination fees 44 real estate CRE 44 ABX indexes 44 rate mortgages FRMs 44 Calabasas Calif. lender 44 trust preferreds 44 FHA VA 44 HAMP modifications 44 chargeoffs 44 Freddie Mac FRE 44 credit raters 44 nonbank institutions 44 Card issuers 44 borrowers defaulted 44 Subprime mortgage 44 Freddie Mac FHLMC 44 NYSE FNM PRI 44 mortgagees 44 loan modification 44 spokeswoman Amy Bonitatibus 44 jumbo refinance 44 subprime RMBS 44 insurer MGIC Investment 44 HECM Saver 44 FICO Expansion 44 subprime meltdown 44 Originations 44 Mae FNM 44 loss severities 44 HomePath 44 mortgage resets 44 VantageScores 44 Freddie Mac FRE.N 行情 44 overdraft protection 43 Mae NYSE FNM 43 synthetic CDOs 43 riskiest subprime borrowers 43 unsophisticated borrowers 43 covenant lite loans 43 subprime CDOs 43 payday loans 43 Serious delinquencies 43 AimLoan.com 43 Mform.co.uk 43 Hanzimanolis 43 TruPS CDOs 43 refund anticipation 43 adjustable jumbo 43 RMBS 43 loan fundings 43 risky subprime mortgages 43 resecuritizations 43 Freddie Mac NYSE FRE 43 cosigners 43 redefault 43 First Time Homebuyer 43 myFICO 43 FannieMae 43 insured depositories 43 LTV mortgages 43 Home Lenders Holding 43 Ocwen Financial Corp. 43 issuers 43 Mae FNMA 43 RALs 43 indexed adjustable 43 residential mortgage originations 43 GreenPoint 43 Fannie Mae FNM.N Quote 43 subprime mortgage originations 43 NYSE FRE 43 mortgage refinancings 43 CFPB 43 IndyMac Bancorp Inc 43 collateralised debt obligations CDOs 43 PDCF 43 mortgage origination 43 subprime mortgage defaults 43 Reverse Mortgages 43 Advectis 43 suprime 43 loan delinquencies 43 origination fee 43 HSH.com 43 Interest Rate Reduction 43 ABSs 43 homebuyers 43 deliquencies 43 legalized loan sharking 43 Fannie 43 FFEL Program 43 FHA borrowers 43 introductory teaser 43 soured mortgages 43 Collateralized Debt Obligations CDOs 43 Gumbinger 43 analyst Harry Senlitonga 43 jumbo adjustable loan 43 FHFA 43 #-month/#-month Oct [001] 43 seriously delinquent borrowers 43 FHA insured loans 43 NYSE FNM 43 FNM PRN 43 ARMs reset 43 hybrid adjustable 43 credit cards 42 CDO squared transactions 42 FFEL loans 42 self cert 42 risky mortage 42 Nothaft predicted 42 jumbo IO 42 Annualized PCL 42 Washington Mutual WM 42 Delinquency rates 42 bankrate.com 42 Prime RMBS 42 remortgagers 42 nonperforming assets NPAs 42 overstretched homeowners 42 Community Reinvestment Act 42 mortgage lender 42 Home Affordable Foreclosure 42 Accredit Home 42 delinquent loans 42 QRM 42 indexed ARM 42 financially strapped homeowners 42 yearlong breather 42 FNMA FHLMC 42 NYSE FNM PRL 42 CRE CDOs 42 Fixed Rate Mortgages 42 Profile Research FRE.N Quote 42 Countrywide 42 nonprime residential 42 TSX XMC 42 Clarity Commitment 42 refi 42 Quizno franchises 42 hybrid adjustables 42 unauthorized debits 42 Fannie Mae Freddie Mac 42 Summary Box Fixed 42 Mortgage Bankers 42 Fannie Mae NYSE FNM 42 CDO tranches 42 LoanPerformance 42 NRSROs 42 Ginnie Maes 42 remortgages 42 multifamily delinquency 42 ResCap 42 ILCs 42 refi boom 42 Private Student Loan 42 distressed borrowers 42 Reg Z 42 C BASS 42 Graduate PLUS 42 mortage 42 Freddie Mac FRE.P Quote 42 WaMu 42 RESPA 42 Anti Predatory Lending 42 Mae FNM.N 行情 42 NA SEPTEMBER 42 MonitorBankRates.com 42 securitisations 42 NYSE OCN 42 TALF eligible 42 Subprime delinquencies 42 nonaccruing loans 42 CLOs 42 CRE exposures 42 #-#/# #.# 42 GSAMP 42 Current Mortgage Rates 42 Financial Institutions Examination 42 Monolines 42 federally insured mortgages 41 Thornburg Mortgage TMA 41 Collateralized Debt Obligations 41 ARM originations 41 prime RMBS 41 Maintenance Organization MISMO 41 Floating Reference 41 Steep prepayment penalties 41 VantageScore 41 inflated appraisals 41 Loan originators 41 Fannie Mae FNMA 41 Freddie Mac FRE.N Quote 41 JMAC Lending 41 foreclosures 41 jumbo adjustable mortgage 41 NYSE FNM PRH NYSE 41 collateralized debt obligations 41 redefaults 41 Rate FRR 41 Fannie Mae FNMA.OB 41 Mortgage Banker 41 Sylvain Raynes 41 Non accruing 41 NCB FSB 41 covenant lite 41 CMBS CDO 41 CitiFinancial Mortgage 41 unsecuritized 41 Delinquent loans 41 RMBS CMBS 41 nondepository institutions 41 subprime mortgage debacle 41 prepayment penalty 41 Bankrate weekly 41 RPS3 + 41 lender IndyMac Bancorp 41 Home Affordable Refinance 41 Leveraged loans 41 securitized 41 Hybrid ARMs 41 credit default swaps 41 officer Stephen Swad 41 loan defaults 41 Moshe Orenbuch 41 WHIP FIP BABIP 41 Mae nyse FNM 41 Loan originations 41 ALG publishes 41 FirstClose TM 41 HECM counseling 41 nonaccruing loans accruing 41 FICOs 41 FICO 41 Subprime RMBS 41 exigent letters 41 Remote Deposit Capture 41 AIG counterparties 41 Collateralized Debt Obligations CDO 41 net chargeoffs 41 collaterized debt obligations 41 TILA 41 FDIC Bair 41 Foreclosures skyrocketed 41 FHASecure 41 Re REMICs 41 foreclosure moratoriums 41 NHRP eligible 41 Barofsky 41 Ginnie Mae Fannie Mae 41 homeownership 41 Farmer Mac 41 balance sheet securitized cardmember 41 Mr Senlitonga 41 origination servicing 41 lenders SVRs 41 wallboard coupled 41 Mounting defaults 41 chargeoff 41 FRE Quote Chart 41 creditworthy homebuyers 41 Capstead 41 Chief Executive Richard Syron 41 Reinvestment Coalition 41 resecuritized 41 Paragon Mortgages 41 Flow NIW 41 complex aggregations 41 FDIC 41 called Yuppies Buppies 41 Bruce Harting 41 Bailout watchdog 41 cov lite loans 41 nyse FRE news 41 Stephen Swad 41 Schwab Sonders 41 Mavent Expert System 41 HOLC 41 Subprime Mortgage 41 cramdowns 41 Option ARM resets 41 CreditCards.com Weekly Credit Card 41 nonprime lending 41 FNMA 41 subprime lender 41 credit grantors 41 sibling Freddie Mac 40 housing bubble 40 Mortgage servicers 40 Fiberstars SEC 40 TALF 40 SF CDOs 40 obligor concentration 40 Predatory lenders 40 Temporary Liquidity Guarantee 40 COMET Issuance Trust 40 properties collateralizing 40 SLHCs 40 uncreditworthy borrowers 40 CDOs squared 40 lender Countrywide Financial 40 Dodd Frank 40 securitisers 40 spokesman Kevin Mukri 40 Feddis 40 Loan servicers 40 Preferred Lender status 40 HUD FHA 40 GMAC 40 Short Refi 40 Freddie FRE 40 CDSs 40 obligations CDOs 40 blemished credit 40 co signer 40 Freddie Mac nyse FRE 40 NCUA 40 #-month/#-month Sept [001] 40 FFIEC Guidance 40 revalued downward 40 MGIC 40 mortgage backeds 40 significantly undercapitalized 40 borrower defaulting 40 Mavent 40 FHLMC preferred stock 40 SouthStar Funding 40 Zabritski 40 HECM Standard 40 Tighter lending standards 40 securitizations 40 mform 40 IndyMac Bancorp. 40 Fannie Mae #-month/#-month Nov 40 monoliners 40 ASF LINC 40 Agency MBS 40 CDOs Squared 40 Mortgage Servicer 40 jumbo adjustable IO 40 NA OCTOBER ISSUES 40 NA NOVEMBER Freddie Mac 40 firsttime buyers 40 pressured appraisers 40 GSEs Fannie Mae 40 Mortgage Lending 40 replaced Robert Willumstad 40 Fannie NYSE FNM 40 Congressionally chartered wholesale 40 mezzanine tranches 40 Realpoint 40 Unsecured lending 40 foreclosure Sharga 40 securities TruPS 40 jumbo RMBS 40 NovaStar 40 Distressed properties 40 NYHELPs 40 LIBOR OIS spread 40 AHMSI 40 LibertyBank Acquisition 40 super jumbo adjustable 40 CREL DI 40 David Andrukonis 40 pepper spray coughed 40 MFAA 40 Ocwen 40 Amy Bonitatibus 40 lender AmeriCredit 40 Structured Finance Recovery 40 nonowner occupied 40 Issuance Trust CHASEseries 40 FHLMC 40 Fovissste 40 DataX Ltd. 40 Mortgage HECM 40 Swap spreads 40 refinanced mortgages 40 Beazer NYSE BZH 40 Hudson Mezzanine 40 #-month/#-month Dec 40 Chief Executive Kerry Killinger 40 BasePoint 40 NCUA examiners 40 prudential regulations 40 Suspicious Activity Reports 40 Enrico Dallavecchia 40 FSOC 40 card issuers 40 mort gage 40 nonaccrual loans 40 American Bankers Assn 40 Dallavecchia 40 RateWatch 40 ChexSystems 40 LVRs 40 PPNs 40 Covered bonds 40 Student Loan ABS 40 Liar Loans 40 mortgage servicer 40 Countrywide Financial 40 oversee nonbank 40 sibling Fannie Mae 40 Dataquick 40 contractually delinquent 40 Mortgage Lenders CML 40 Strains persist 40 Treasury indexed ARMs 40 MORTGAGE RATES FALL 40 souring subprime 40 Michael Fratantoni 40 CDFIs 40 nonaccruing 40 Fannie Mae FNM 40 RMBS transactions 40 Annual Percentage 40 Orenbuch 40 shorter maturities 40 indexed swap 40 Collateralised Debt Obligations 39 loan origination 39 losses ALLL 39 Berkadia Commercial Mortgage 39 distressed properties 39 notes Oct #/Oct 39 VHFA 39 overextended borrowers 39 Loan originations totaled 39 Sweden Riksbank unexpectedly 39 LQI 39 Federal Deposit Insurance 39 OFHEO 39 faxing payday 39 Intermediary Mortgage Lenders 39 IndyMac Bancorp Inc. 39 Commerzbank AG Deutsche 39 CoreLogic HPI national 39 homeowners 39 FNM Loading 39 FFELP loans 39 collateralised debt obligations 39 prudential norms 39 Mortgage Intermediaries AMI 39 originators 39 Foreclosure Process 39 re remics 39 BankRate.com 39 FOVISSSTE 39 negative convexity 39 defaults 39 Association IMLA 39 collaterized debt obligation 39 TexasLending.com 39 Investment Corp. AHM.N 39 bа ԁ credit 39 Emigrant Direct 39 ValuFinders 39 Unsecured Personal 39 http:/www.fanniemae.com/ 39 HAMP 39 nonrecourse loans 39 mortgage loan origination 39 debt restructurings TDRs 39 analyst Vivek Juneja 39 vintage CMBS 39 downpayments 39 ratio LVR 39 lender RAMS 39 Soured loans 39 nondepository 39 leveraged buyouts LBOs 39 Transactions Designated 39 fully amortizing 39 subprime mortgage meltdown 39 Profile Research FNM.P Quote 39 MBSs 39 Home Mortgage Servicing 39 subprime fallout 39 myFICO.com 39 Mortgagee Letter #-# 39 Bear Stearns Cos. BSC.N 39 CitiMortgage 39 collateralized debt obligations CDOs 39 nonrevolving credit 39 Eric Wasserstrom 39 www.HomeBanc.com 39 Faith Estimate 39 Structural Risk Growth 39 By STEVE BUCCI 39 Servicer Ratings 39 Community Reinvestment 39 CMBS 39 Rising delinquencies 39 Lenders LEND 39 Bankrate.com 39 Impac Mortgage Holdings 39 swap spreads 39 unarranged overdrafts 39 HAMP modification 39 advisers IFAs 39 SiteKey 39 P LSTA 39 www.bankrate.com 39 lenders servicers 39 mortgage lender IndyMac 39 nonrevolving 39 Bob Donhauser 39 HAMP servicers 39 Gross NPAs 39 Home Modification Program 39 Unsecured loans 39 AmeriCredit Corp. 39 repo counterparties 39 spottier records 39 Standard Underwriting Guidelines 39 legislatively mandated deadline 39 Hardship Letter 39 nonbank 39 Indymac 39 TruPS 39 Chase.com 39 Services DFS.N 39 reverse redlining 39 homebuyer 39 TSLF 39 sub PLR 39 FCIC 39 America BAC.N 39 Bear Stearns BSC.N 39 conservatively underwritten 39 Thrift Supervision OTS 39 Collegiate Funding 39 TrueCareers 39 Junk bonds 39 Calyx Point 39 NYSE CSE 39 Inc WM.N 39 APRs 39 HSH Associates publisher 39 Refund anticipation 39 Master Servicer 39 SoftSecond 39 HomeBuy schemes 39 SONYMA 39 NYSE LPS 39 LendingTree Loans 39 chargeoff rate 39 Frannie Mae 39 Act HMDA 39 subprime mortgage crisis 39 Council FFIEC 39 interbank borrowing 39 Service CCCS 39 Credit raters 39 www.fanniemae.com 39 Mortgage giants Fannie 39 remortgage 39 ARMs averaged 39 RRGs 39 Mortgage Lender 39 FRE.N Quote Profile Research 39 institutions MFIs 39 overstretching themselves 39 robo signing 39 Fannie Mae FNM.P 39 procyclicality 39 nepalnews.com ia Sep 39 lender 39 Federal Reserve 39 Mirae Bank 39 RPS1 39 FTBs 39 guaranty insurers 39 CIBC# 39 standardized plain vanilla 39 lender Thornburg Mortgage 39 Covenant lite 39 * #-month/#-month Nov 39 CDPCs 39 purchases securitizes sells 39 subprime mortgages collateralized debt 39 HomeComings Financial Network 39 Prudential Regulation 39 federal Mortgage Origination 39 GMAC ResCap 39 Refinancings accounted 39 Fannie FNM 39 OLTV greater 39 Vanquis 39 cramdown 39 Barry Zigas 39 website aStockMarketLife.com 39 Loan.com 39 securitization trusts 39 TCA grading 39 Nonrevolving debt 39 cosigner 39 Agria filings 39 muni issuers 39 glorified IOUs 39 unsubsidized Stafford loans 39 cardmember spending 39 creditworthy borrower 39 obligations CMOs 39 MyRichUncle 39 BankFinancial 39 Ocwen Financial Corp 39 Bankrate 39 Moody Corp MCO.N 39 Robert Lacoursiere 39 Nationstar 39 broker Charcol 39 BankingMyWay.com 39 MFIs 39 Commercial Mortgage Servicer 39 nonperforming residential 39 OTCBB BRCR 39 CREL CDO delinquencies 39 REX Agreement 39 performing reperforming 39 Foreclosures spiked 39 banksâ 39 -Nahal Toosi Zahar 39 Credit CARD Act 39 overextending themselves 39 NovaStar Mortgage 39 Cenlar 39 value ratios LTVs 39 Thrift Supervision 39 FFIEC guidelines 38 collateralized mortgage 38 foreclosure resales 38 loans collateralizing 38 By Lorando D. 38 Mr Boulger 38 http:/www.bankrate.com/mortgagerates 38 Predatory lending practices 38 noncurrent loans 38 NHPAU 38 Homeownership Centers 38 Risky Loans 38 subprime mortages 38 flattening yield curve 38 BytePro 38 SBA 7a loans 38 Wells Fargo WFC.N 行情 38 Constance Gustke 38 securitized subprime mortgages 38 Reference REMIC securities 38 Noncurrent loans 38 Sarbanes Oxley Gramm Leach 38 ResiLogic 38 debit card overdraft fees 38 SIGTARP 38 prospective homebuyers 38 ABS CDOs 38 Ulzheimer 38 Standardized Approach 38 American Securitization Forum 38 via COMTEX FRE 38 CPFF 38 mortgagers 38 Troubled Asset 38 Home Affordable 38 covenant lite deals 38 PRBC Report 38 Margasak 38 non conforming jumbo 38 Treasury Troubled Asset 38 Sub Prime 38 Del Mar DataTrac 38 subordinate tranches 38 FHLBs FHA VA 38 SMARTView Date 38 SEPTEMBER Freddie Mac 38 InfoChoice 38 Valuation Code 38 Mark Jalovec 38 SIVs 38 banks 38 backed securites 38 AAA Aaa rated 38 SBLF 38 Lowcards.com 38 nonperforming loan 38 Britannic Money 38 FHLBNY 38 Creditworthy 38 Harry Dinham 38 Impac Funding 38 NPL ratios 38 performing obligors 38 FHLBB 38 Homeownership Preservation Foundation 38 risk mitigants 38 Equifax NYSE EFX 38 CDO write downs 38 mortgage fundings 38 please visit http:/www.ambest.com/ratings 38 Freddie NYSE FRE 38 dealer floorplan 38 tracker mortgages 38 multifamily housing 38 Mae FNM.N 38 AVMs 38 July 7/NA NA 38 NASDAQ ADVNB 38 Homebuilder stocks 38 breakpoint discounts 38 REMICs 38 RealtyTrac Rick Sharga 38 reversion schemes 38 REO properties 38 Karevoll 38 subprime debacle 38 Rate PLR 38 Diagnosoft R 38 surety marine 38 Weicher 38 Clarifire 38 Euro LIBOR OIS 38 ITIN 38 Inflated appraisals 38 CRA RELIEF 38 nyse FNM news 38 McLEAN Va. Rates 38 Delinquencies Rise 38 Litton Loan Servicing 38 Charge offs 38 Ambac MBIA 38 nonrevolving loans 38 Finadium 38 PIK toggle 38 Accredited Mortgage 38 HTA periodic 38 FHA HECM 38 CMBS collateral 38 securities MBS 38 FFELP lenders 38 www.creditcards.com 38 FraudMark 38 RPS2 38 FACTA 38 Fiduciary Standard 38 finite reinsurance transactions 38 MortgageMatch.com 38 delinquencies defaults 38 mandatory arbitration clauses 38 lender Countrywide 38 Ladenburg Thalmann Bove 38 Underwater mortgages 38 ARCS Commercial 38 IStar 38 securitization 38 Tribeca Lending 38 regulates Fannie 38 Organization NRSRO 38 eMortgages 38 FRM averaged #.# 38 nonperforming assets 38 Corporation TSX XMC 38 hardship withdrawals 38 Hilzenrath 38 MEFA 38 underbanked 38 Excludes Structured Securities 38 XetusOne 38 Fed 38 KFIs 38 Novastar 38 FinCen 38 MMIS Interest.com 38 Mozilo 38 Fannie Mae #-month/#-month 38 Mortgage Refinance Loan 38 tax preparers 38 BofA NYSE BAC 38 Aaa rated 38 Guy Cecala 38 cov lite 38 Mortgage Lenders 38 DocMagic 38 paydowns 38 microlenders 38 Crisa acquisition 38 default notices 38 TARP