> Today, people getting mortgages are scrutinized very heavily, and they can actually afford them. A lot of the offers are cash anyway. The average credit scor

> Today, people getting mortgages are scrutinized very heavily, and they can actually afford them. A lot of the offers are cash anyway. The average credit score in the US for those getting a mortgage dropped in the lead up to 2008: * https://www.financialsamurai.com/the-average-credit-score-to-qualify-for-a-mortgage-is-now-very-high/ https://www.financialsamurai.com/the-average-credit-score-to... The US is at about the same volume (by dollars) now as in 2003, but back then there was a pretty even split between those with a credit score of 660-719, 710-759, and >760. Now the vast majority of folks have scores >760.