I picked up this mortgage ad from Soot and Ashes. It is for subprime loans from the US lender Countrywide. Once the US housing crash took hold, Countrywide quickly ran into trouble and was eventually absorbed by Bank of America.
This ad screams out bank failure. Countrywide were happy giving out housing loans to people who were heavily in debt, who could not come up with deposits and who could not verify their incomes. That was the template for an exploding bad loans problem.