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Did a Securitization Trust
Purchse Your Note Directly?
Fraud to Get a Trust Deed for a Security?
FDIC Agreements Pay More
for Short Sales & Foreclosures
Many Banks Failed Because
After Securitization Failed
They weren't able to Lend

Banks and Lenders sink after Lehman Collapse
- no more Investment Security Pools to Swim in

From about 2005 until their bankruptcy in Sept 14, 2008, Lehman Brothers set up Special Purpose Vehicle (SPV) Securitization Trusts to funnel Investor funds into Mortgages.
Washington Mutual, Indymac, Countrywide and thousands of smaller Lenders found it easier to have these SPVs purchase Notes from Homeowners wanting Mortgages than to fund a loan themselves.
Solid Fixed Rate Loans weren't offered much anymore, because Homeowners could be milked for more money with a Variable Rate Loan with Negative Amortization, sweetened with a 1% start rate and a short Fixed Rate Period to trick the Homeowner into accepting it.
After Lehman collapsed, Lenders that weren't set up to fund loans directly collapsed, too.
Read more on Special Purpose Vehicles, Investment Trusts, Pooled Mortgages set up to speed up Lending.

News on the Collapse of Lehman & Lenders that relied on Lehman's Securitization Trusts on Lender Bankruptcies FDIC Failed Bank List Wall Street Journal on Failed Banks Mortgage Lender Implode-o-Meter
Investopedia on Lehman Collapse Investopedia on 07-08 Crisis Complete List of Lender Closures CNN-When Wall Street Nearly Collapsed
CNN on WaMu
PDF on Litigation in Securitization

Lenders and Banks Affected by Closure, Bankruptcy, Merger, etc - for details, see Complete List of Lender Closures
1st Choice Mortgage
1st Reverse Financial
Aames Investment Corp
ABN Amro Mortgage
ABN-Amro Hypotheken-Gruppe
Ace Mortgage Funding
Accredited Home Lenders
ACC Capital Holdings
Acoustic Home Loans
ACT Mortgage Capital
Advantage Home Loans
Advent Mortgage
AIG – to buy Equity One
Aegis Funding
Aegis Mortgage Corp
Affinity Bank (CA)
Alpha Bank & Trust
Alliance Bancorp
Alliance Bank (Culver City, CA)
Alliance Title Co
All Fund Mortgage
Allstate Home Loans
ALT Funding
Alterna Mortgage
Alternative Financing Corp
Altivus Financial
AMC Lending
AMC Mortgage
AmeriBanc Corp
Ameribank Inc
America One Finance
America West Bank
American Brokers Conduit
American Business Financial Services
American Equity Mortgage
American Freedom Mortgage
American Home Mortgage
American Lending Group
American Mortgage Network
American Sterling Bank
American Southern Bank
American United Bank
Ameritrust Mortgage Company
AmPro Mortgage
Amstar Mortgage Corp
AmTrust Bank
ANB Financial
Anworth Mortgage Asset Corp
Apex Financial Group/Aapex Mortgage
Apex Mortgage/Aapex Mortgage
APS Mortgages Limited (UK)
Assured Lending Corp
Aurora Loan Services
Axix Mortgage
Banco Santander
Bank of America
Bank of Granite and Granite Mortgage Inc
Bank of Clark County
Bank of Elmwood
Bank of Lincolnwood
Bank of Wyoming
Bank USA
Barclays Bank PLC
Basis Yield
Bath Building Society (UK)
Bay Capital Corp
BayRock Mortgage Corp
. Bayview Financial
BC Bancorp
Bear Stearns
Beacon Financial Mortgage Bankers Corp
Bear Stearns
Beazer Mortgage Corp
Beazer Homes
Belvedere Trust Mortgage
Benchmark Bank
Beneficial Finance
BF Saul Wholesale Group
Blackstone Group
BMC Capital
BNC Mortgage
Bradford & Bingley (UK)
Bradford Bank (MD)
Brickwell Community Bank
Broad Street Mortgage
BrooksAmerica Mortgage Corp
BSM Financial
Budget Finance Co.
c2 Financial (UK)
C & G Financial
California National Bank
California TD Investments LLC
Calusa Investments
Cameron Financial Group
Cape Fear Bank
CapitalSouth Bank
Capital One
Capital One Home Loans
Capital One Mortgage
Capital Six Funding
CapitalSource Inc
Capmark Financial Group
Carlile Investments Inc
Carteret Mortgage Corp
Castle Point Mortgage
CBA Commercial
CBRE Realty Finance
Centennial Mortgage and Funding Inc. / Award Mortgage
Centex Home Equity – Nationstar Mortgage
Central Federal Credit Union
Central Pacific Mortgage
Central States Mortgage Co.
Century Bank FSB
CFIC Home Mortgage
Champion Home Builders
Chapel Funding
Charcol Mortgages (UK)
Charter Funding
Charter Mortgage
Charter One
Chase de Vere Mortgage Management (UK)
Chase Home Finance
Chase Home Lending
Chase Home Mortgage
Chase Wholesale Lending
Chevy Chase
Chicago and Dallas Federal Home Loan Banks
CHL Mortgages (UK)
Choice Capital Funding
CIT Group Inc
Citi correspondent
Citi Home Equity
CitiMortgage wholesale
CitiMortgage Wholesale
Citi Residential Lending
Citizens Bank
Citizens Community Bank
Citizens National Bank
Citizens Republic Bancorp
Clear Choice Financial
Coast Bank
Cobalt Capital (UK)
Cohen Financial
Coldstream Financial Services
Collateral Real Estate Capital
Colonial Bank
Colonial National Mortgage
Colony Mortgage Corp
Colorado National Bank
Columbia Bancorp
Columbia Home Loans
Columbian Bank and Trust Co. (Kansas)
Commerce Bank of Southwest Florida
Commercial First (UK)
Commonwealth Bank of Australia
Community Bank of Arizona
Community Bank of Lemont
Community Bank of Nevada
Community Bank of West Georgia
Community First Bank
Community National Bank of Sarasota County
Community Resource Mortgage
Community One Federal Credit Union
Comunidades Federal Credit Union of Los Angeles
ComUnity Lending
Concord Mortgage Co.
Concorde Acceptance
Contact 4 (UK)
Cooperative Bank
CoreStar Financial Group
Corn Belt Bank and Trust Co.
Corus Bank
County Bank (Merced, CA)
Credit Suisse
CTX Mortgage
CU National Mortgage
Dana Capital
DB Home Lending
DeepGreen Financial
Decision One
Delta Financial
Deutsche Bank Correspondent Lending Group
Diablo Funding Group
Direct Finance Corp
Dollar Mortgage Corp
Domestic Bank
Draper and Kramer Mortgage
Downeast Mortgage Corp
Downey Savings –
Dwelling House Savings and Loan Association
E-Loan/Banco Popular Wholesale Mortgage
Earl Shilton building society (UK)
Eastern Financial Florida Credit Union
Edgewater Lending Group
Egg Mortgages (Citi-owned UK finance unit)
Elizabeth State Bank
Empire Bancorp Mortgage Bankers
Encore Bank
ECC Capital/Encore Credit
Encore Credit
Entrust Mortgage
Equitable Trust Mortgage Corp
Equity One (a unit of Popular Inc.)
Equity Title (owned by Coldwell Banker)
Exchange Financial
Expanded Mortgage Credit
Express Capital Lending
Family First Mortgage Corp.
Fannie Mae
FBR Capital Markets
Fidelity National Financial
Fidelity National Information Services
Fidelity Trust Bank
Fieldstone Mortgage
Fifth Third Bancorp
Fifth Third
Finance America
Financial Title Company
First Advantage
First American Bank
First American Corp. (title insurer)
FirstBank Financial Services
First BankAmericano
First Bank of Beverly Hills
First Bank of Idaho
First Bank of Kansas City
First Banks of St. Louis
First Centennial Bank
First Collateral Services (Citi)
First Community Bancorp
First Consolidated Mortgage Co
First Coweta Bank
First DuPage Bank
First Federal Bank of California
First Fidelity Financial
First Franklin
First Franklin Financial
First Georgia Community Bank
First Horizon
First Horizon National Corp
. First Horizon
First Indiana Wholesale
First Integrity Bank
First Madison Mortgage
First Magnus
First National Bank of Arizona
First National Bank of Danville
First National Bank of the South
First National Mortgage Sources
First NLC
First NLC Financial Services LLC
First NLC
First Mariner Bancorp
First National Bank of Anthony
First National Bank of Arizona
First Piedmont Bank
First Priority Bank
First Security Loan Corp
First Security National Bank
First Source Funding Group
First State Bank (AZ)
First State Bank (Sarasota)
First State Bank of Altus
First State Bank of Winchester
First Street Financial
Fitch Ratings
Flagship National Bank
Flagstar Bancorp
Flexpoint Funding
Flick Mortgage
FMF Capital LLC
Fortes Financial
Franklin American
Franklin Bank
Franklin Bank Corp
. Franklin Credit Management Corp.
Freddie Mac
Freedom Bank
Freedom Bank of Georgia
Freestand Financial
Fremont General
Fremont Investment & Loan
Frost Mortgage
Founders Bank
Foxtons, Inc
Gateway Bank
Gateway Bank of St. Louis
General Electric
GE Money (Ireland)
GE Money (AU & NZ)
GE Money Canada
Genworth Financial
Georgian Bank
Global Mortgage Inc
GMAC Mortgage
GMAC Residential Funding (Canada)
Golden Empire Mortgage
Golden State TD Investments LLC
Goldman Sachs
Great Basin Bank of Nevada
Greater Buffalo Savings Bank
Great Southwest Mortgage
Greater Atlantic Bank
Greenpoint Mortgage
Greenpoint Mortgage
Group One Lending
Guaranty Bank
Guaranty Financial
Guardian Loan Co.
Guild Mortgage Co
H&R Block Mortgage Corp
H&R Block
Harbourton Mortgage Investment Corporation (HMIC)
Haven Trust Bank
Heartland Mortgage Co
Heartland Wholesale Funding
Heartwell Mortgage
Heritage Bank
Heritage Community Bank
Heritage Plaza Mortgage
Hillcrest Bank Florida
Home 123 Mortgage
HomeBanc Mortgage Corp
Home Capital Inc
Homecomings Financial
HSBC Holdings PLC
HSBC Mortgage Services (Correspondent division)
HSBC Financial Corp. Ltd. (Canada
Huntington Financial
Hypo Real Estate (Germany)
Ideal Mortgage Bankers
Igate Global Solutions (India)
IKB Industriebank (Germany)
Impac Mortgage Holdings
InBank (IL)
Indymac Federal – OneWest Bank
ING Netherlands
Innovative Mortgage Capital
Integrity Bank
Integrity Bank of Alpharetta, Georgia
InterBay Funding
Investaid Corp
Irwin Home Equity
Irwin Union Bank
Irwin Union Bank and Trust Co
Irwin Union Bank & Trust Co
Ivanhoe Mortgage
Jennings State bank
John Warner Bank
JP Morgan
KBC Bank NV (Belgium)
Kensington Mortgages (UK
KeyBank Real Estate Capital
Keys Federal Credit Union
Kirkwood Financial Corp.
KKR Financial Holdings
Lancaster Mortgage Bankers
LandAmerica Financial Group Inc.
Landesbank Sachsen Girozentrale (Germany)
Lehman Brothers
Lehman Brothers Bank
Lehman Bros. Small Business Finance
Lehman Bros Dutch mortgage unit “Elq Hypotheken”
Lend America
Lender’s Direct Capital Corporation
Lending group Inc
Lending Tree
Lennar Corp
Lexington Lending
Levitt and Sons LLC (homebuilder)
Liberty American Mortgage
Liberty Home Lending
Liberty Mortgage Funding Co
Liberty One Lending
LIME Financial Services (Credit Suisse)
Lloyds TSB
Loans 123
London & Scottish Mortgages (LSM:UK)
Lone Star
Long Beach Mortgage Co. (WAMU)
Long Mortgage
Lownhome Financial
Luminent Mortgage
Lydian Mortgage
M&T Bank V MacQuarie Mortgages USA
Madisonville State Bank
Main Street Bank
Mainstreet Bank (MN)
Mandalay Mortgage
Maribella Mortgage
Market Street Mortgage
Market Street Mortgage
Marlin Mortgage Company, LLC
Master Financial
Maverick Residential Mortgage
MEM Financial Solutions
Mercantile Mortgage
Meridian Bank
Meridias Capital
Meritage Mortgage
Merrill Lynch
Merrlin Mortgage Corp.-Heartland Mortgage Co.
MetLife – EverBank Reverse Mortgage LLC-First Horizon
Metrocities Mortgage –Prospect Mortgage
Metro Pacific Bank
MCAP Financial (Canada)
Miami Valley Bank
Millennium State Bank of Texas
Mirae Bank
Morgan Stanley
Mortgage Bankers Association
Mortgage Capital Resource Corp
Mortgage Investors Group (MIG)
Mortgage Investment Lending Associates (MILA)
Mortgage Network Inc
Millenium Bankshares
Millenium Funding Group
Millennium Mortgage Corp.
Monarch Bank
Morgan Stanley
Mortgage Investment Lending Associates
MortgageIT - DB Home Lending
Mortgage Network Inc. – Partners Group Unlimited
Mortgage Next (UK)
Mortgage Lenders Network
MortgageTree Lending
Mortgages Ltd.
Mutual Bank
Mylor Financial
National Bank of Commerce
National City
National City
National Home Equity –National City Corp
National Wholesale Funding
. Nation One Mortgage Co. Inc
Neighborhood Community Bank
Netbank Funding
New England Merchants Corp
New Century
New Equity Mortgage
New Frontier Bank
New South Federal Savings Bank
New State Mortgage Company
New Vision Residential Lending
Nikko Citigroup
Nomura Securities
Nomura Holdings
Norddeutsche Landesbank
No Red Tape Mortgage
Northern Rock (UK)
Northern Rock
North Houston Bank
Novelle Financial
NVR Mortgage Finance (builder)
Oakmont Mortgage
Oak Street Mortgage
Ocala National Bank
Ocwen Financial –Kent County State Bank
OMG Wholesale
Omni National Bank
Optima Funding
Option One
Opus Mortgages (UK)
Own It Mortgage
Origen Correspondent Mortgage Group
Origen Financial
Orion Bank
Oxford Funding
Pacific American Mortgage (PAMCO)
Pacific Coast National Bank
Pacific National Bank
Paragon Home Lending
Paragon Mortgages (UK)
Park National Bank
Partners Bank
Partners Group Unlimited – Mortgage Network Inc
Paul Financial
Paul Financial LLC
People’s Choice Financial Corp
Peoples Community Bank
People’s Mortgage
PFF Bank and Trust
PHH Mortgage
Pinnacle Bank of Oregon
Pinnacle Direct Funding Corp - Tri-Star Lending
Pinnacle Financial Corp. – Impac Mortgage Holdings
Platinum Community Bank (IL)
PNC Bank
Popular Financial Holdings
Popular Inc
Popular Mortgage Corp
Popular Warehouse Lending
Portellus, Inc. (software)
Precision Financial Inc
Westsound Bank
Preferred Home Mortgage Co.
Premier Mortgage Funding, Inc
Premium Funding Corp
Principal Mortgage Fund, Inc - Fair Home Lending Financial, Inc
. Priority Funding Mortgage Bankers
Prosperan Bank
Provincial Bank
Property Finance Group (New Zealand)
Prospect Mortgage – Indymac branches - Fidelity Trust Mortgage Inc
Pulte Homes
Pulte Mortgage
Quality Home Loans – filed for bankruptcy
Quick Loan Funding
Quicken Loans Inc
Quicken and RockBridge –One Reverse Mortgage Inc
QHL Holdings Fund Ten LLC
RAMS Home Loans (Australia)
Realty Mortgage
Regions Financial Corp.
Regions Financial Corp
Republic Federal Bank
Residential Capital LLC
ResMae Mortgage Corp
Residential Mortgage Capital
Resource Bank
Resource Mortgage
Reunion Mortgage
Right Away Mortgage
Riverside Bank of the Gulf Coast
Riverview Community bank
Rock River Bank
Rooftop Mortgages (Bear Stearns UK mortgage unit)
Rose Mortgage Corp
Royal Bank of Scotland
San Diego National Bank
San Joaquin Bank
Sanderson State Bank
Santa Cruz Mortgage
Saxon Mortgage
Saxon Mortgage Services
SCME Mortgage Bankers Inc.
Scottish RE
Sea Breeze Financial Services, Inc.
Sebring Capital Partners
Secured Bankers Mortgage Company
Secured Funding
Security Bank Corp
Security National Servicing Corp
Security Pacific Bank
Security One Lending
Security Savings Bank
Senior Lending Network
Shearson Financial Network
Sherman County Bank
Silver Hill Financial
Sierra Pacific Mortgage
Silver Falls Bank
Silver State Bank
Silver State Mortgage
Silverton Bank
Solent Mortgage Services (UK)
Solstice Capital (HSBC retail)
Solutions Funding
Southern Community Bank
Southern Star Mortgage
Southstar Funding
Southwest Bank – BMC Mortgage Services Inc.
Sovereign Bancorp
Spectrum Financial Group
Starpointe Mortgage
Steward Financial
Stone Creek Funding
Stonewater Mortgage Corp. – Caliber Funding LLC
Strategic Capital Bank
Southern Colorado National Bank
SouthStar Funding
Southwest Business Corp.
Suburban Federal Savings Bank
Summit Financial Group Inc
Summit Mortgage Co.
Sunset Direct Lending
Sunshine Mortgage Corp.
SunTrust Bank
Temecula Valley Bank
The Buckhead Community Bank
The Community Bank
The Lending Connection
The Members’ Own Federal Credit Union
The Money Store -Amstar Mortgage branches
The Mortgage Lender (UK)
The Mortgage Store Financial Inc.
The Mortgage Warehouse
The Tattnall Bank
Thornburg Mortgage
Thornburg Mortgage
TransLand Financial Services
Transnational Financial Network
Triad Guaranty
Tri-Star Lending Group
Trojan Lending
Trump Mortgage
UBS Home Finance
Ulster Bank (RBS-UK)
Union Bank, National Association
Unique Mortgage Solutions
United Commercial Bank
United Equity LLC (Baltimore)
United Guaranty
United Residential Lending
United Security Bank
Universal American Mortgage Co.
Unlimited Loan Resources
Upland Mortgage
U.S. Mortgage Corp.
USA Federal Credit Union
Valley Capital Bank
Valley Vista Mortgage
Vantus Bank (IA)
Velocity Commercial Capital, LLC
Venture Bank
Vertical Lend
Vertice (wholesale mortgage unit of Wachovia)
Victoria Mortgage Funding
ViewPoint Bankers Mortgage
Vineyard Bank
Virtual Bank Mortgage – Lydian Mortgage
Vision Development Group of Broward County LLC
W.J. Bradley Mortgage Capital Corp
Walter Mortgage Co
Warehouse USA
Warren Bank
Washington Mutual - WaMu
Washington Savings Bank
Washtenaw Mortgage Company
Waterford Village Bank
WCI Communities
Webster Bank
Webster Financial
Weichert Financial
Wells Fargo – Wachovia
Wells Fargo Home Mortgage
Wells Fargo Alternative Lending Wholesale
Wells Fargo Home And Consumer Finance Group
Wescom Credit Union
Western Corporate (WesCorp) Federal Credit Union
West Texas Credit Union
WestWorks Mortgage
Wilmington Finance
Windsor Capital Mortgage Corp
Winstar Mortgage
The 2 Best Books:

Structured Finance and Collateralized Debt Obligations:
New Developments in Cash and Synthetic Securitization
Just Published late 2008

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