Personal anecdote only: my wife and I haven’t seen a tightening of credit in any way, in either our business or personal lines, and we both have high 700’s/low 800’s scores with all three agencies. There has been no significant rate change. Last week, Citi raised my limit by a couple of thousand on a card that never has a balance higher than $50. Schwab bent over backwards trying to interest us in mortgage products after we asked a few questions.
I have seen tightening for people with questionable credit, which in my mind is the way it should be. People with good (730+) credit, 20% down, low debt, and moderate income can easily qualify for a mortgage today. Credit for larger businesses may be another story.
