In addition to considering higher-risk borrowers, lenders offered increasingly risky loan options and borrowing incentives. Mortgage underwriting standards declined gradually during the boom period, particularly from 2004 to 2007.  The use of automated loan approvals let loans be made without appropriate review and documentation.  In 2007, 40% of all subprime loans resulted from automated underwriting.   The chairman of the Mortgage Bankers Association claimed that mortgage brokers, while profiting from the home loan boom, did not do enough to examine whether borrowers could repay.  Mortgage fraud by lenders and borrowers increased enormously.