NEW YORK (TheStreet) — Big banks are continuing to back away from offering mortgages, allowing nonbank lenders such as Freedom Mortgage and Quicken Loans to grab a bigger share of the market.

Although the big banks such as Bank of America(BAC – Get Report) , JPMorgan Chase(JPM– Get Report) and Wells Fargo(WFC) are still happy to provide mortgages to wealthy borrowers with strong credit records, they are much more cautious about higher-risk loans, even ones that meet underwriting requirements of government agencies such as the Federal Housing Administration, Fannie Mae(FNMA) , Freddie Mac(FMCC) or Ginnie Mae.

That has created an opportunity for nonbank lenders such as Freedom Mortgage, a privately held lender based in Mount Laurel, N.J.

Although fewer mortgages were originated last year than in 2013, Freedom Mortgage actually increased…

I am curious person.  I love research.  So it’s no surprise that I would attempt to research the trust that allegedly held the loan on my house.  I scoured the web for information regarding Home Equity Asset Trust 2005-6.  At first, there was no success.  I found a bit of information concerning a few of the tranches, but nothing really major.  It actually took me several years to piece all of this together.  Here is what I found:

Tranches

TRANCHE A1 – This is the tranche bought by JP Morgan and used as part of their employee 401(k) plan.  This is also one of the tranches in the Bill and Melinda Gates Foundation

TRANCHE B1 – Broken up into smaller tranches, these were arranged by Deutsche Bank AG London and issued by Ixion PLC, an Irish company.

1. Matrix 2007-1 Series 20 Tranche A B1
2. Matrix 2007-1 Series 20 Tranche B…