>Cyrus R. Vance, Jr.

This guy is a real piece of work. Look for extra context when you see his name. He was the DA in the Aleynikov case as well.

Fascinating that despite years of "inflating or exaggerating [borrower] assets, incomes, and job titles” this bank maintained a delinquency rate less than a twentieth of the national average. In 2009, they had 4,399 mortgages and only 16 were in trouble.

Previous discussion: https://news.ycombinator.com/item?id=9955507

I didnt understand why the two protagonists, Jie Chen and Ariel Chi, lost their down payment because the bank withdrew the loan offer at the closing

Autoplaying video ad that overlays the content isn't a great first impression for any website.