CROSSHARE
1A
Applicants with low credit scores, to loan officers
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2
3
4
5
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7
8
9
10
11
12
13
14
15
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18
19
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23
Horizontales
  1. 1A
    Applicants with low credit scores, to loan officers
  2. 8A
    With equal frequency
  3. 10A
    Surrounded and attacked, with "to"
  4. 12A
    Car key's place: Abbr.
  5. 13A
    Even, poetically
  6. 14A
    Close at hand
  7. 15A
    "It Came ___ the Midnight Clear"
  8. 16A
    Funds transfer electronically, abbr.
  9. 18A
    Present tense "We exist"
  10. 19A
    Onset of wakefulness
  11. 22A
    Army
  12. 23A
    Cutting tool for making joints
Verticales
  1. 1D
    Indonesian Hindus
  2. 2D
    Free of charge
  3. 3D
    Incarcerated
  4. 4D
    Mayberry ___
  5. 5D
    "___ jungle out there!"
  6. 6D
    Six, in Italy
  7. 7D
    Shorts
  8. 9D
    Georgia mountain
  9. 11D
    The 13th colony
  10. 17D
    He sang about Alice
  11. 20D
    Part of a dog's name
  12. 21D
    There's no ___ team"
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