Mortgage fraud by lenders and borrowers increased enormously. Without financial markets, borrowers would have difficulty finding lenders themselves. The bank originates loans for marketplace lenders and processes payments. Loan agreement governs relationship between the lenders and the borrowers. Private student loans are offered by private lenders (financial institutions). A bank aggregates the activities of many borrowers and lenders. Rather, it insures loans made by private lenders. The biggest lenders, Sallie Mae and Nelnet, are criticized by borrowers. These documents can be used to compare loan offers from different lenders. In 2016, Quicken Loans launched Rocket Mortgage, one of the first fully online mortgage lenders. Extending crowdsourcing to unfamiliar lenders and borrowers opens up new opportunities. They also "undid the connection between borrowers and lenders". BOCHK is one of the key mortgage lenders in Hong Kong. Some 4,000 banks and other lenders ultimately failed. Many subprime lenders were not subject to the CRA.