11.   At first, Sumerbank was more than a lending institution.

12.   Aussie Home Loans, a specialist mortgage company credited with heating up competition among traditional lending institutions, again led the charge.

13.   Banks and other lending institutions can be penalized heavily if they deny credit to an individual on the basis of race.

14.   Banks charge that credit unions have illegally expanded their membership to include employees from different companies in a single lending institution.

15.   Because federal regulators rate the banks on their CRA performance, lending institutions have looked for any help they can get to monitor their practices.

16.   About two-thirds of that total is owed to foreign banks and international lending institutions.

17.   After lending institutions foreclose and sell the buildings to new owners, the city will offer disaster loans and other assistance to the buyers, Falcon said.

18.   All these costs help explain why lending institutions specializing in vineyard properties expect a huge amount of due diligence on the part of prospective investors.

19.   Both probably will be auctioned within the next few months by the two agencies, which seized them as part of the assets of failed lending institutions.

20.   But the official added that Serbia would not immediately become eligible for loans from the World Bank and other international lending institutions.