WASHINGTON – While standards for issuing government-backed loans have clearly tightened for borrowers with spotty credit, bankers report the criteria for someone with a good credit score mirrors standards used before the crisis.

In the Federal Reserve Board's quarterly loan officer survey Wednesday, bankers were asked whether guidelines for approving Federal Housing Administration mortgages had changed from those used six years earlier. The survey – which assumed the borrower had a 3.5% down payment on a 30-year fixed loan – asked for responses about borrowers with three different FICO scores: 660, 620 and 580.

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