A Simple Guide to Lending Standards – and How They Haven’t Improved

by Peter Thomas Ricci

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:

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