Four people were charged in separate mortgage fraud cases today in federal court.

Crystal Spreng, 38, of Cabot, is named in a nine-count indictment for allegedly aiding and abetting wire fraud.

According to the court filing, Ms. Spreng, who worked at Citizens Bank, is charged with helping a mortgage fraud scheme by verifying the accuracy of funds available to a borrower. She verified the deposits when asked by various lending institutions even though she knew there weren't such funds and in some cases when the borrowers didn't even have accounts at Citizens.

Daniel Hoey, 43, of Sewickley, is charged with one count of conspiring to commit wire fraud. According to the indictment, Mr. Hoey was involved in a scheme to finance the purchase and renovation of a home at on Chestnut Street, where he lives.

The government contends that Mr. Hoey overstated the borrower's income and assets and turned in falsified documents, including an appraisal and settlement statement.

Robert J. McCully III, 36, of Verona, is charged with one count of access device fraud. Mr. McCully allegedly used the Social Security number of another person to apply for a loan.

In addition, Robert Arakelian, 47, of Pittsburgh, is charged in a one-count criminal information with conspiracy to commit wire fraud.

Mr. Arakelian was a licensed mortgage broker for Pittsburgh Home Loans, assisting customers in obtaining loans attached to collateral real estate. Mr. Arakelian is accused of submitting false appraisals to lenders, as well as loan applications that overstated the borrowers' assets.