This mortgage lender indeed doesn't have tight standards..

Bloomberg.com: Worldwide: "AmTrust Financial Corp., the former Ohio Savings Bank that makes more than $2 billion a month in mortgages, today stopped making loans that exceed 95 percent of a home's value. The change applies to jumbo mortgages, above the $417,000 limit set for loans bought by Fannie Mae and Freddie Mac, as well as mortgages the bank intends to hold in its portfolio."