It's no secret that the market for loans in the US is in turmoil. But how is that turmoil affecting consumers shopping for loans and the lenders they ultimately choose? Forrester surveyed US online consumers who had recently gotten a mortgage or home equity loan. Results showed that the ways consumers choose a lender have not changed dramatically, but the expectations that borrowers have around the speed and outcome of the lending process have begun to show the effects of a changing lending environment.