j. p. morgan, which back in 2005 was kind of weird because in those days, everyone assumed -- it was goldman sachs alumni who ran the world. suddenly it was j. p. morgan that seemed to be all over the place. so i asked my neighbor was going on, why they were working at j. p. morgan, why did these to work at j. p. morgan, and he said a sentence which changed my life for these shaped the last year, you have got to understand, there's one thing about the credit world that is absolutely key. they are everywhere, they created it. like many cliches, that was not entirely true, they were not the only ones who created the world of structured credit by any means that it turns out they have a lot of veracity. so i left that conference determine to try to work out this strange credit jungle and on the other hand to keep an eye on why and how they had come to place such a key role in building this credit world and for the next week to or three years, we labored away in the capital market team. it was a group

j. p. morgan chase came in at 20%. david a nider of j. p. morgan chase says those numbers don't tell the whole story. >> it's going to vary widely depending on where the servicers is located, how big the servicer is. one thing we can't forget is how many customers are we actually helping, and if you look at the size of how many customers chase has helped, versus the size of our aggregate portfolio, we've performed very well. >> reporter: barr would not characterize individual lenders, but promised more scrutiny. >> we are going to be increasingly focused on the lag ards. looking to see ways to further incentivize their performance. freddie mac, our compliance agent, will be conducting second look reviews, auditing samples of mortgage loan applications for modification that had been denied. >> reporter: government officials advise borrowers to seek free counseling to avoid foreclosure rescue scams, and to try to help them negotiate with banks. as for the hoyles, they are temporarily moving in with relatives until they can afford the deposit on