Lenders have made significant changes in their lending practices in an effort to provide more mortgages to low-income and moderate-income groups and minorities, according to the Consumer Bankers Association's second annual survey of bank and thrift lending.

One of the biggest changes in lending standards, the survey found. was increased flexibility in employment requirements. A total of 74.7% of the respondents reported such flexibility, against 56.9% a year ago.

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