21.   A mortgage insurance policy, Verex said, is a contract between the insurance company and the mortgage lender.

22.   A report by Giga Information Group cites seven customers, ranging from an author to a large Atlanta mortgage lender, who complained of problems and poor customer service.

23.   A study last year by the consumer association examined the ethical credentials of U.K. banks and buildings societies, which are mortgage lenders owned by their customers.

24.   Aames makes mortgage loans to people with bad credit through its branches, a network of brokers and by buying in bulk from other mortgage lenders.

25.   Abbey National, a mortgage lender, now seems vulnerable to a bid from Australia or Ireland.

26.   Aames Financial Corp., a Los Angeles-based mortgage lender, is one consumer lender that is said to be seeking to buy another company.

27.   Aames makes mortgage loans to people with bad credit through its branch network, a network of brokers and by buying in bulk from other mortgage lenders.

28.   Building societies are traditional mortgage lenders that are mutually owned, meaning owned by their customers.

29.   But the principle had not been generally embraced by mortgage lenders in loan underwriting.

30.   But the Web allows consumers to shop among mortgage lenders, comparing rates, fees, maturities, and restrictions.