Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to report mortgage fraud [title] Determine the type of mortgage fraud. [step] There are two categories of mortgage fraud. The first is committed by the applicant and the second by the lender.

Ending1: [substeps] The first category is " real estate fraud. " your mortgage fraud sentence reads: " " real estate fraud is fraud about a private chain of properties. Ending2: Both cases should recognize to include the following types of fraud : [substeps] Real estate fraud committed by the landlord by a thief. The thief identifies the damaged property and the lender sees the damaged property as collateral for the loan. Ending3: Each type of fraud can harm the real estate and banking markets. [substeps] Borrowers can commit " fraud for property. Ending4: For example, if the applicant is submitting multiple checks, the state deduction is made against the applicant. However, the applicant would benefit from a additional deduction if the loan was more than $160 , 000.

Answer format: ending1/ending2/ending3/ending4