When I got my mortgage, I had non-traditional credit history stuff to deal with -- I had never really had serious credit prior to buying my house. While it turn

When I got my mortgage, I had non-traditional credit history stuff to deal with -- I had never really had serious credit prior to buying my house. While it turns out I am a good mortgage holder, paying on time every time, at the time the bank didn't know that. But when it came time to prove my worthiness, it seemed that the banker was willing to do an aweful lot of fudging if necessary to make the loan happen. It wasn't a statement of willingness to lie, just a lot of talk about "spinning it like $this or $that" and "we can make it look good". Not anything outright fraudulent, but I suspect there was a lot of intentional looking the other way and "spinning" going on by the banks, while at the same time telling the loan-seekers that it was "just how it works".