Here is some tentative evidence that mortgage lending conditins might be improving slightly. The number of mortgage applications increased sharply in March, while the mortgage acceptance rate increased marginally (from 73.1 percent to 74.2 percent). Nevertheless, there are no signs of an early return to 100 percent mortgages with income ratios of 5 or more. I am not sure that the improving lending conditions signal a return to the crazy days of 2006.
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