Emma "Matty" Yturralde was the exact opposite of a bank's dream borrower: A newly divorced single mom with a $13-an-hour job. Her finances were so tight, she had a tenant sleeping in her living room. She had a car, but it was in the shop almost as often as it was on the road. The bus ride to her job at Kmart took an hour and a half. Too proud to ask for a ride home, Yturralde, now 49, said she would sometimes wait outside the store to see if a co-worker offered one. Her life changed in 2003 with...