(S (S (BASENP (JJ Sub-prime) (NNS lenders)) (VP (VBP provide) (NP (BASENP (NNS mortgages)) (PP (TO to) (NP (BASENP (NNS people)) (SBAR (WHNP (WP who)) (S (VP (VP (VBP do) (RB not)) (VP (VP (VB qualify) (PP (IN for) (NP (BASENP (NNS loans)) (PP (IN from) (BASENP (JJ mainstream) (NNS lenders)))))) (COMMA ,) (PP (ADVP (RB typically)) (PP (JJ due) (PP (TO to) (BASENP (PRPD their) (NN credit) (NNS histories)))))))))))))) (PERIOD .))