Here are our editors’ picks from today’s roundup of investigative stories around the Web. Was there a story we missed? Please keep sending us your picks or include them in the comments section below.

Hordes of homeowners hoping to refinance their loans are facing long delays as mortgage lenders struggle to keep up with demand. But some borrowers have found a creative way to cut the long lines, reports the Los Angeles Times: They simply stop making payments, regardless of whether or not they have the cash, because lenders are helping those “circling the drain” first.

Also, PBS’ “Frontline” reports that pollution in waterways like the Chesapeake Bay and Puget Sound is making its way into the drinking water of millions of Americans. Scientists have found frogs with six legs and female frogs with male genitalia, suggesting the potential for problems in humans like premature breast cancer, reproductive complications and anomalies of male genitalia.