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(Click for frequent words.) 74 prepayment penalty 64 Prepayment penalties 57 negatively amortizing 57 HECMs 56 mortgages 56 loan origination fees 55 option ARMs 55 mortgage 54 FHA insured mortgage 54 ARMs 54 subprime loans 53 prepayment 53 adjustable rate 53 HOEPA 53 mortgages ARMs 53 adjustables 53 Option ARMs 53 HELOCs 53 LTV ratios 53 borrowers 53 overdraft fees 52 payday loans 52 origination fee 52 borrower 52 FHA insured mortgages 51 Adjustable Rate Mortgages ARMs 51 FHA loans 51 hybrid ARMs 51 assignee liability 51 conforming mortgages 51 LTVs 51 nonmortgage 51 mortgage brokers 51 rate mortgages ARMs 50 predatory lending practices 50 refinancers 50 payday lenders 50 inactivity fees 50 Adjustable Rate Mortgage 50 FDIC indemnification asset 50 Pay Option ARMs 50 RESPA 50 payday lending 50 overdraft protection 49 RALs 49 predatory lenders 49 predatory lending 49 borrower refinances 49 nontraditional mortgages 49 insured depositories 49 HECM reverse 49 APRs 49 unscrupulous lenders 49 HELOC 49 Annual Percentage 49 LTV ratio 48 FHA 48 Adjustable Rate Mortgages 48 FRMs 48 nonaccruing loans 48 Option ARM 48 unamortized discount 48 nonaccrual loans 48 deferred loan origination 48 mortgagers 48 HECM 48 subprime borrowers 48 subprimes 48 loans 48 FHA VA 48 subprime ARMs 48 securitizer 48 securitized loans 48 HAMP modification 48 overlimit fees 48 QRMs 47 FICOs 47 repayments 47 Card issuers 47 legalized loan sharking 47 subprime mortgages 47 monthly repayments 47 QRM definition 47 ARM resets 47 lax underwriting 47 amortizations 47 usury laws 47 dormancy fees 47 conforming jumbo 47 Prepayment Penalty 47 principal paydowns 47 Loan origination 47 loan originators 47 unsubsidized Stafford loan 47 redefault 47 fully amortizing 47 CARD Act 47 adjustable mortgages 47 Option Adjustable Rate 47 FHLB borrowings 46 plain vanilla mortgages 46 unamortized financing 46 Option ARMS 46 Percentage Rate 46 covenant lite loans 46 nonprime mortgage 46 HECM Saver 46 CMHC insured mortgages 46 jumbo conforming 46 debit card interchange 46 early extinguishments 46 mortages 46 Refund Anticipation Loans 46 mandatory arbitration clauses 46 cramdowns 46 uncreditworthy borrowers 46 HLCs 46 lenders 46 accretable yield 46 unsophisticated borrowers 46 negative amortizing 46 Prepayment penalty 46 payday loan 45 FHA insured loan 45 unarranged overdrafts 45 unamortized deferred 45 mortgage originators 45 Mortgage Servicing Rights 45 nonprime borrowers 45 value LTV ratios 45 debit card overdrafts 45 mortgage lenders 45 introductory teaser 45 jumbo ARMs 45 dormancy inactivity 45 FHLBB 45 callable CDs 45 Convertible Debt 45 loan modifications 45 Promissory note 45 procyclicality 45 LVRs 45 LibertyBank Acquisition 45 insured depository institutions 45 Overdraft 45 overdrafts 45 FHA HECM 45 refund anticipation 45 conforming jumbo loans 45 mortgage loan originations 45 nonaccruals 45 Subprime loans 45 LendingTree Loans 45 subprime adjustable 44 refis 44 nonprime loans 44 TILA 44 Reg Z 44 QSPEs 44 net chargeoffs 44 FDIC indemnification 44 nonprime mortgages 44 overdraft fee 44 mortgage originations 44 prepayable 44 FHA insured 44 Nonprime 44 Borrowing Fees 44 MSRs 44 carrybacks 44 FHA insures 44 HomeEq 44 nonrecourse 44 Hanzimanolis 44 QSPE 44 downpayments 44 TRUPs 44 Real Estate Settlement Procedures 44 Act RESPA 44 loan origination 44 nonaccrual loan 44 securitization trusts 44 voluntary prepayments 44 Interest expense decreased 44 borrower repays 44 Mortgage originators 44 Equity Conversion 44 Hybrid ARMs 44 unsubsidized Stafford loans 44 HAMP modifications 44 accretable 44 debit card overdraft 44 nonaccrual status 44 nonbank lenders 44 conforming jumbos 44 chargeoff 44 pressuring appraisers 44 chargeoffs 44 Consolidation Loans 44 loss severities 44 Real Estate Owned 44 Amortized 44 Equity Conversion Mortgages 44 Liquidated damages 44 Incremental Term 44 CRE loans 44 Non accruing 43 FFEL Program 43 loan 43 Self cert 43 overdraft 43 securitization 43 FRBNY Credit Facility 43 redefaults 43 mortgage origination 43 Deductions depreciation 43 Payday lenders 43 Mortgage Brokers 43 securitizations 43 FHLB advances 43 junior subordinated debentures 43 low introductory teaser 43 Credit CARD Act 43 loans receivable 43 TruPS 43 FHLBNY advances 43 accruing loans 43 deemed uncollectible 43 subprime mortages 43 Nonaccruing loans 43 rent escalations 43 amortizing 43 debit interchange 43 Crisa acquisition 43 OTTI charges 43 ATM surcharges 43 Installment Loans 43 securitized pools 43 subprime lending 43 NSF OD 43 nonaccrual 43 freeze introductory teaser 43 Charge offs 43 Short Refi 43 noncovered loans 43 preapproval 43 jumbo loans 43 unauthorized overdraft fees 43 cramdown 43 unamortized deferred financing 43 mortgage resets 43 revalued downward 43 lax lending 43 waive prepayment penalties 43 Consumer Installment 43 prepayments 43 Overdrafts 43 repayment 43 Mr Boulger 43 FFEL loans 43 LIFO accounting 43 Mortgage Loans 43 Refund Anticipation Loan 43 Reverse Mortgages 43 origination volumes 43 #,#,# #,#,# Accrued [001] 43 loans collateralizing 43 Liar Loans 43 Total nonaccrual loans 43 buydown 43 Credit Card Reform Act 43 prepaids 43 downward repricing 42 jumbo adjustable 42 Remortgages 42 HECM loans 42 Equity indexed annuities 42 usurious 42 Gumbinger 42 inflated appraisals 42 loan modification 42 defeasance 42 trust preferreds 42 RMBS exposures 42 loan originations 42 Mortgages 42 Fixed Rate Mortgages 42 minimums FDIC insured 42 NovaStar 42 Real Estate Owned OREO 42 Loan Loss 42 inverse floater 42 CDO squared transactions 42 Mortgage HECM 42 jumbo refinance 42 hybrid adjustables 42 fixedrate 42 Unamortized discount 42 OTTI charge 42 FIGA assessment 42 Loan originations 42 Lenders 42 Loan servicers 42 PIK toggle 42 mso font pitch 42 Originations 42 VIEs 42 Debt extinguishment 42 non accrual 42 Non accrual 42 NHRP eligible 42 tracker mortgages 42 brokered deposits 42 lifetime maximums 42 mortgagors 42 Covenant lite 42 lenders SVRs 42 remortgagers 42 Barrett NDEx 42 NOL utilization 42 mortgagees 42 Restructured Loans 42 income teb 42 Subprime borrowers 42 FHA Refinance 42 IRA withdrawals 42 Borrowers 42 subordinate liens 42 homeloan 42 Predatory lending 42 = Average [015] 42 Payday Lenders 42 card issuers 42 affirmative covenants 42 securing MFA MBS 42 Credit Cardholder 42 FDIC insured institutions 42 mort gages 42 FHLMC preferred stock 41 Cramdown 41 reverse redlining 41 charge offs 41 refinancings 41 OREO valuation 41 depository institutions 41 hedging derivative instruments 41 Biolevier loan 41 restrictive covenants contained 41 subprime lenders 41 subprime originations 41 nondeductible expenses 41 Expensing 41 FirstMortgage Inc. 41 Predatory Lending 41 Adjustable rate 41 unamortized issuance costs 41 CCCF Act 41 loan chargeoffs 41 Prepaying 41 Mortgage Servicing 41 securitisers 41 liquidated damages clauses 41 nonperforming assets 41 nondeductible 41 origination 41 Credit Card Accountability Responsibility 41 Impaired loans 41 lien RMBS 41 STOLI 41 refinancing 41 OLTV greater 41 banker acceptances 41 subprime 41 subprime mortgage 41 Securitizations 41 equity withdrawls 41 unauthorized overdraft 41 GSEs 41 noninterest bearing deposits 41 IOLTA accounts 41 originations 41 owned OREO 41 Conduct HVCC 41 rebilling 41 Interest accrues 41 Faith Estimate 41 CREL DI 41 Mortgage Lender 41 Gramercy Realty 41 Monolines 41 CREL CDOs 41 recourse indebtedness 41 borrowers defaulted 41 IOER rate 41 Nonaccrual loans 41 Ellen Harnick 41 Feddis 41 value ratios LTVs 41 non conforming jumbo 41 revolver borrowings 41 Mortgagees 41 ratio LVR 41 equity indexed annuities 41 Reverse mortgages 41 Ulzheimer 41 valuation adjustments 41 Variable Interest 41 assumable 41 DAC unlocking 41 Usury Act 41 jumbo mortgages 41 spottier histories 41 Balboa Reinsurance 41 Overdraft fees 41 noncurrent loans 41 Accrued Interest 41 using untrusted Root 41 Banker Acceptances 41 Loan Modifications 41 Term Loans 41 Overdraft Fees 41 interest entity VIE 41 unamortized debt 41 Mortgagee Letter #-# 41 Eurodollar Rate 41 FreddieMac 41 cross collateralization 41 uncollectable receivables 41 swingline loans 41 Variable Interest Rate 40 Prepayment speeds 40 Homebuyer Tax Credit 40 Beazer Mortgage 40 intangible assets impairment 40 deductible IRAs 40 nonprime 40 Disclosure CARD Act 40 exclusions 40 unsubsidized Stafford 40 JLG acquisition 40 FNMA FHLMC 40 collateralizing 40 Reinsurance recoverables 40 noninterest expense partially offset 40 variable annuities 40 nonaccruing loans accruing 40 Roth IRA conversions 40 Credit Facilities 40 Mortgagors 40 Total nonperforming loans 40 TARP recipients 40 indemnification clauses 40 defeased loans 40 LIBOR indexed 40 mort gage 40 clawback provision 40 FHLBs 40 nonperforming asset 40 OREO write downs 40 dealer markups 40 FDIC insured deposits 40 noninterest expense decreased 40 overstretching themselves 40 sale leaseback transactions 40 prepayment speeds loan originations 40 Home Affordable Refinance 40 loan fundings 40 subordinate lien holders 40 Exchangeable Senior 40 convenants 40 uncollectible accounts receivable 40 Home Modification Program 40 Interest Expense Interest expense 40 rate mortgages FRMs 40 Acquired Intangible Assets 40 Value LTV 40 Anti Predatory Lending 40 representations warranties covenants 40 indubitable equivalent 40 reprice downward 40 Term Facility 40 Subprime lenders 40 Loans 40 AimLoan.com 40 sublease recoveries 40 nonprime lending 40 HECM Standard 40 Interest Rate Reduction 40 uncollectible receivables 40 guaranty insurers 40 Credit Card Debt 40 homeloans 40 Collateralized Debt Obligations CDOs 40 permanent HAMP modifications 40 refinanced 40 value reductions MVRs 40 PITI 40 Interest Earning Assets 40 subordinated debentures 40 Clarity Commitment 40 charging overdraft fees 40 upfront 40 CDO squareds 40 golden parachute severance 40 FFELP loans 40 nonconforming mortgages 40 adopting SFAS #R 40 Subordinated Debentures 40 Secured Facility 40 cardholder elects 40 subprime Alt 40 Payday loans 40 Student Loan Interest Deduction 40 Marc Savitt president 40 mortgage loan fundings 40 Senior Unsecured Term 40 Payday Lending 40 Informal Agreements 40 margin teb 40 FICO scores 40 subordinate tranches 40 indexed annuities 40 Flexi Rate 40 bootleggers Saban 40 remortgages 40 mortgate 40 reverse convertibles 40 MSR valuation 40 liabilities# [001] 39 dealer floorplan 39 mortgages ARMs averaged 39 overextended borrowers 39 borrowings 39 redefault rates 39 overstretched homeowners 39 debit card overdraft fees 39 Loan 39 nonowner occupied 39 borrower defaulted 39 prerecorded telemarketing solicitations 39 - - Total [052] 39 Underinsurance 39 RHDI 39 noninterest expenses 39 d Represents 39 Steep prepayment penalties 39 Refinanced 39 jumbo adjustable mortgage 39 proc fees 39 CMBS CDO 39 delinquent loans 39 Gerri Detweiler 39 servicers 39 Foreclosed real estate 39 #,#,# #,#,# Allowance [001] 39 addback 39 delinquencies defaults 39 Accreted interest 39 Rescissions 39 loan servicers 39 Xceed Mortgage Trust 39 Proposed Regulations 39 unfavorable variances 39 lending 39 Unrealized Gain Loss 39 Subordinated convertible debentures 39 walkaways 39 Foreclosure Process 39 distressed borrowers 39 Predatory lending practices 39 LTV mortgages 39 Agency MBS 39 Summary Box Fixed 39 Lending Practices 39 Mortgage servicers 39 Metris Master Trust 39 nonaccrual loans accruing 39 covenant calculations 39 HomEq 39 forbearances 39 Program HARP 39 Term Securitization 39 Resetting Instalment 39 Olefson 39 Shebetich 39 Note Payable 39 balance UPB 39 voluntary prepayment 39 jumbo IO 39 MSR hedging 39 Private Student Loan 39 Debt Extinguishment 39 ABSs 39 prepayment speeds 39 Amended Facility 39 Servicers 39 MedPAC recommendations 39 intangible asset impairments 39 Borrowing Capacity 39 Mr Senlitonga 39 FNMA preferred 39 loan outstandings 39 centralized clearinghouses 39 OREO properties 39 Loan Modification Programs 39 refundability 39 Credit Card Interest Rates 39 SILO transactions 39 ComplianceAnalyzer 39 AHMSI 39 deductions 39 prepaying mortgages 39 Senior Secured Debt 39 prepaying 39 loan originations totaled 39 STOLI transactions 39 HDHPs 39 SBLF 39 stock basedcompensation 39 contingent commissions 39 delinquencies 39 sub prime 39 temporary impairment OTTI 39 c Relates 39 nonrenewals 39 MPPI 39 Ambac insured 39 risky subprime mortgages 39 option ARM resets 39 debt extinguishments 39 MBS Forwards 39 Calderon Cedillo 39 loan repayments 39 re REMICs 39 covenant lite deals 39 OTTI write downs 39 Checking Account 39 Fixed Charge 39 Graduate PLUS 39 EITC recipients 39 loan participations 39 vacancy decontrol 39 mortgage servicer 39 securitizers 39 Pam Westhoff 39 Noninterest Expense 39 Grad PLUS 39 MID Lender 39 GSE conforming 39 Mounting defaults 39 perpetual debentures 39 annuitization 39 unauthorized overdrafts 39 Lender 39 UNITED COMMUNITY BANKS INC. 39 Loan Facilitation Services 39 PGS Onshore acquisition 39 Accrued liabilities #,#,# #,#,# [001] 39 unaccreted discount 39 Senior Subordinated Term 39 unamortized premiums 39 intro APR 39 agents impose add'l 39 Risk Retention 39 gain amplifiers VGAs 39 APR 39 Act HMDA 39 inverse floaters 39 discount accretion 39 customer overdraws 39 Percentage Ratios 39 Mortgage Interest Deduction 39 Than Temporary Impairment 39 HomePath 39 federally insured mortgages 39 riskiest borrowers 39 ABCP conduits 39 foreclosures 39 countercyclical buffer 39 Term Loan 39 noncovered 39 -Nahal Toosi Zahar 39 Arkansas Deceptive Trade 39 FFELP lenders 39 jumbo adjustable IO 39 securitized cardmember loans 39 FSAH acquisition 39 introductory teaser rates 39 overleveraging 39 TransLand 39 unsecured promissory notes 39 accrual status 39 FRBNY Facility 39 Offerors Commercial applies 39 Check Cashers Act 39 unamortized 39 nonprime residential 39 Foreclosure Rescue 39 derivative instruments 39 borrower creditworthiness 39 Repayment Charge 39 nonperforming loans 38 Refund Anticipation Loans RALs 38 Consolidation Loan 38 OOMC 38 NRMLA 38 paydown 38 riba 38 Peter F. Makowiecki 38 analyst Christopher Mutascio 38 Rate APR 38 Countrywide 38 charitable deductions 38 FHLMC 38 Home Loan 38 Stated Amount 38 subprime mortgages reset 38 unsecured promissory note 38 Senlitonga 38 FHLBanks 38 CRA RELIEF 38 FTC Telemarketing Sales 38 Mortgage Lending 38 Tighter lending standards 38 Roth IRA conversion 38 Contingent commissions 38 PV NIM 38 ABS CDOs 38 tax deductibility 38 FHA insured loans 38 Fixed Rate 38 LIBOR + 38 repricing 38 TIPRA 38 -Asci 38 Defeasance 38 Existing Convertible Notes 38 counterparty defaults 38 HOA dues 38 Borrowing Base 38 OTHER INCOME Gain 38 Home Affordable Modifications 38 reversion schemes 38 -Jesus Almaguer 38 leaseback arrangements 38 Senior Secured Discount 38 Ocwen 38 faxing payday 38 Convertible subordinated 38 depreciation accretion 38 Downpayment 38 RMBSs 38 self cert 38 LIBOR 38 FOVISSSTE 38 temporary impairments 38 Forbearance Agreements 38 lease originations 38 FIRREA 38 d Reflects 38 Medigap policies 38 overlimit fee 38 Nelnet 38 securitize mortgages 38 obligor concentration 38 forbearance 38 Blended churn 38 unsecured debts 38 #,# =Bill Duemling 38 analyst Harry Senlitonga 38 repricing downward 38 RRSP contribution room 38 - - [055] 38 Credit Agreement 38 Total nonperforming assets 38 adjustable jumbo 38 MFB Corp 38 Fannie Mae DUS 38 Nonperforming 38 nonconvertible debt 38 Social Security COLA 38 Zayat Stables defaulted 38 securitized 38 LIHTC 38 noninterest income 38 Refinancings 38 Debit Card Fees 38 clawback provisions 38 noninterest 38 introductory APR 38 Noninterest expenses 38 www.HomeBanc.com 38 Borrowing Fee 38 mortgage delinquencies 38 restrictive covenants 38 dealer holdback 38 repricings 38 FIN #R 38 procuration fees 38 SBA 7a loans 38 thrifts 38 Debt prepayment 38 REMICs 38 secured convertible debentures 38 loan origination volumes 38 Debit Card Fee 38 Balance Transfer 38 ALLL 38 cosigners 38 Floating Reference 38 Hardwoods USLP 38 CDOs 38 TSX XMC 38 mortgage servicers 38 MBS AFS 38 Base Rate 38 repossessed assets 38 homebuyer 38 SoftSecond 38 perpetual preferred 38 subprime mortgage originations 38 Convertible Tranche 38 golden parachutes 38 nonoperating expense 38 Discount Window 38 Economic Stimulus Rebate 38 SNFs 38 filing Form #X 38 risk mitigants 38 Spokesman Tom Dresslar 38 Market Disruption 38 DPAC amortization 38 BOLI 38 Accrued severance 38 golden parachute payments 38 contingently convertible debt 38 actuarially justified 38 FFEL 38 charging usurious 38 ZYPS indentures including 38 procyclical effects 38 Professionals CAAMP 38 concessional contributions 38 SLHCs 38 MASTR 38 FDIC insures 38 deferred annuities 38 recoupments 38 Asset Backed Securitization 38 cancelable 38 Ownit 38 Loan Originations 38 Restricted Cash 38 Charge Offs 38 Possible Loan Losses 38 PrimeLending 38 lender Accredited 38 nonfarmers whose 38 provisioning norms 38 Delinquent Loans 38 Mortgage loan originations 38 lender SVR 38 Lax lending 38 interest rates 38 FFELP Stafford 38 premiums 38 Debits 38 Total nonearning assets 38 Subservicing volume 38 Triad Guaranty 38 FHLB advances decreased 38 ABS CDO exposures 38 NALs 38 Mezzanine Loan 38 Credit Losses 38 noncash impairments 38 Mortgage originations 38 GMIB 38 indexed annuity 38 modification scams 38 CMHC insured 38 FDIC Bair 38 Nationstar 38 Convertible Notes tendered 38 GreenPoint 38 material misstatements 38 Subprime Loans 38 Miscellaneous Fares 38 Brokered Deposits 38 SVRs 38 Tangible Equity 38 Reverse Mortgage 38 MSR impairment 38 Consent Fee 38 FHA borrowers 38 LIABILITIES Deposits 38 unarranged overdraft charges 37 FirstClose TM 37 private inurement 37 - Total noninterest [005] 37 flattening yield curve 37 intercreditor agreements 37 Loan originators 37 Capital Ratios 37 Foreclosed assets 37 uncollectible balances 37 Restructured loans accruing 37 hedging instruments 37 Usury 37 repurchase FHLBNY 37 gross pa AER 37 indebtedness 37 borrower defaults 37 Structured Transactions 37 securitisations 37 Option ARM resets 37 refundings 37 Congressionally chartered wholesale 37 AOCL 37 miscellaneous itemized deduction 37 Responded Blankfein 37 prebates 37 Payday lending 37 Predatory lenders 37 unsecuritized 37 Rollover Applicants 37 reinsurance ceded 37 Home Affordable Foreclosure 37 unfunded commitments 37 applicable Offering Memorandum 37 Fannie Mae 37 ComplianceEase 37 Impairment Losses 37 nonperforming residential 37 homesteaded property 37 nondeductible portion 37 Gouverneur Savings 37 covenant defeasance 37 extinguishments 37 FDIC 37 Itemizing 37 Overdraft Protection 37 repaying TARP 37 preventable foreclosures 37 Robo Signing 37 Unizan merger 37 debit card swipe 37 unsecured debt 37 losses ALLL 37 Premiums receivable 37 derivative liabilities 37 Lien Term 37 collaterised debt obligations 37 refi boom 37 Student Loan Consolidation 37 Restated Loan 37 demand obligations VRDOs 37 FelCor LP 37 Refund anticipation 37 Fieldstone Investment 37 forward.looking statements 37 collaterized debt obligations 37 payments 37 PIK notes 37 Noninterest expense decreased 37 mezzanine financings 37 Prosperan 37 remortgaging 37 defaults 37 Petition Date 37 infrequently occurring 37 unauthorized overdraft charges 37 prerecorded telemarketing calls 37 RRIF withdrawal 37 covenant lite 37 Renegotiated loans 37 Nasdaq GBDC 37 AAA Aaa rated 37 LILO transactions 37 Notes Payable 37 itemized deductions 37 redeemable preferred stock 37 markups 37 Participation Payment 37 Depreciation Amortization Taxes 37 hardship withdrawals 37 HarmonyLoan 37 Secured Debt 37 Marc Savitt 37 procyclical 37 Mortgage Modification 37 coinsurance 37 Mortgage Modifications 37 Itemized deductions 37 Nonperforming assets equaled 37 Nothaft predicted 37 Unsecured Debt 37 uncreditworthy 37 AMF Ultra Short