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Orange County, one of the world's hottest real estate markets, was a center of the action. New Century and other lenders, including Ameriquest Mortgage Co. in Orange and Irvine-based Option One Mortgage Corp., recruited huge sales forces to hustle business.
"The culture around all of these sub-prime lenders has been 'Hey, bring it to us. We'll make it happen,' " said Philip X. Tirone, a Los Angeles mortgage broker and author. " 'If you have a client with a [low] credit score who only wants to put 5% down and had a bankruptcy not too long ago, that's OK. Bring us that loan.' "
Then it all came crashing down, and few fell harder than New Century...
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