The biggest factor is loan fraud the Government doesn't want to publize it yet for fear of many financial instutions getting hurt hard sending the economy south , Remember the credit unions about 14 years ago.
The housing loan industries are worse and individuals will start being investigated by the Fed in about two months.
Watch housing market crash money has been too easy to get and debt is extremly high and fannie mae and freddie mac is not going to be around much longer to warrent debt.
Remember the govenment does't warrant payment. The way the loans work I'm surprise inflation isn't higher. I'm wondering if fannie mae and freddie mac have insurance to back their warrenty.