If Banfield’s comments alone are not enough to ease concerns of a credit freeze, credit data and reporting agency Experian has a few statistics that could put the kibosh on claims of a credit freeze among the sub-650 credit score crowd. The Washington Post recently reported that Bill Banfield, VP of Quicken Loans, informed the paper that the lender offers FHA loans to qualified borrowers who have credit scores as low as 580-shattering the myth that private lenders are completely cutting off the credit hose to higher-risk borrowers. The tightened credit box routinely blamed for curtailing a full-blown housing recovery turned a corner in the second half of 2015, with Quicken Loans reporting originations to borrowers with credit scores as low as 580.
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