According to Wall Street Journal and the Treasury Department the largest bank recipients of U.S. government aid are offering less credit to businesses and consumers. In a monthly snapshot of lending by the 21 largest banks receiving Troubled Asset Relief Program (TARP) funds, the Treasury said credit being offered fell 2.2 percent across all commercial-lending and consumer-lending categories in February 2009, compared with January 2009. Continued deterioration was noted in commercial real estate, general business lending, student loans and auto loans. The lone bright spot remained home loans, with consumers eager to take advantage of record-low interest rates to refinance their mortgages. The Treasury said that 16 of the 18 banks surveyed increased mortgage originations in February 2009, resulting in a 35% increase in mortgage lending from January 2009 levels. Despite improvement on mortgage originations filing bankruptcy to save homes has not slowed down.