We hear about lending standards all the time, and new data from CoreLogic suggests that they’re still quite tight.

Are lending standards too tight? That’s a question on the mind of many housing professionals and analysts, especially in light of Fannie Mae and Freddie Mac’s decision to lower their down payment floors to just 3 percent.

So, we’ve decided to take a fresh look at the topic – and have come to some unfortunate conclusions. Using exclusive data from CoreLogic, we put together the following infographic: