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Delong was employed by Mid-America Bank in Dixon, Mo., as an executive vice-president and chief lending officer. A number of loans were fraudulently obtained by businesses that were ineligible to receive them by concealing past due loan payments of distressed borrowers; making loans to nominee borrowers; making false entries in bank records; structuring loans so as to avoid the scrutiny of the bank’s board of directors; concealing unbooked letters of credit; funneling SBA guaranteed loan proceeds to themselves and others; misapplying loan proceeds; preparing fraudulent SBA borrower applications; and paying and accepting bribe money to secure loans. Laughlin, one of the operators of 4-J Apartments in Pulaski County, Mo., admitted that he provided false information to the Department of Housing and Urban Development (HUD) and the Federal Housing Administration (FHA) in order to obtain an $18,219,400 loan in 2012 for the operation and maintenance of 232 apartments and complexes in Pulaski County.

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