Federal ReserveDesiree Pilgrim-Hunter, executive secretary of the Northwest Bronx Community and Clergy Coalition, testified at a forum on subprime lending. When Nieves Gonzalez’s mortgage payments spiked to nearly $4,000 a month, the stress of possible foreclosure on her two-unit family home in the Bronx took its toll. Her hypertension landed her in the hospital; there, she found out she was diabetic. Ms. Gonzalez, 63, who emigrated from the Dominican Republic nearly two decades ago, had follo