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Openai/68ae1e94-ecf4-8001-943f-85af9875a8c4
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===== Notably, owner-occupancy discrepancies are not rare. A 2023 Federal Reserve Bank of Philadelphia study estimated that more than 20,000 mortgage loans in a single year involved people listing multiple residences as primary to get better terms. So while the issue is real, itβs neither unique nor necessarily criminal without additional proof of intent or deception. ===== The Guardian<ref>{{cite web|title=The Guardian|url=https://www.theguardian.com/us-news/2025/aug/24/trump-lawfare-mortgage-fraud-lisa-cook|publisher=The Guardian|access-date=2025-11-18}}</ref>
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