31.   Competitors include commercial banks, savings and loans, and other mortgage lenders, the filing said.

32.   Consumers can expect their lenders to take some time to discuss the different types of loans before homing in on the most suitable one, mortgage lenders said.

33.   Convinced that the mortgage lender is viable, they hope to win a postponement of the plan and hold out for a buyer to come forward.

34.   Councilman Clyde Picht said different mortgage lenders will pay different amounts as part of the agreement.

35.   Corporate lawyers say requiring individuals to help compensate customers is rare in FTC cases against publicly held mortgage lenders.

36.   Countrywide and Norwest Mortgage Inc., a Des Moines, Iowa-based unit of Norwest Corp., are among the mortgage lenders that are evaluating the proposals.

37.   Depending on what makes you unattractive to a mortgage lender, the transformation can take a year.

38.   Fannie Mae also committed itself to buy more loans from mortgage lenders.

39.   Fannie Mae, a major mortgage lender, publishes its consumer guides in seven languages, including Russian and Haitian Creole.

40.   FirstCity, based in Houston, operates mortgage lender Jay-Hawk Asset Management, student lender ETA, and sub-prime auto lender National Auto Funding.