One element contributing to tightened credit requirements is lenders’ reluctance to originate loans offered into the enterprises that are government-sponsoredGSEs) Fannie Mae and Freddie Mac.

One element contributing to websites tightened credit requirements is lenders’ reluctance to originate loans offered into the enterprises that are government-sponsoredGSEs) Fannie Mae and Freddie Mac. Is Credit Too Tight? Because loan providers have actually tightened their credit criteria, they’re not serving an important amount of low-risk prospective borrowers.