Q. Is it really that hard to get a mortgage these days? A: Nope.

In studying data from the Home Mortgage Disclosure Act, which covers more than 80% of all home lending in the United States, Zillow’s chief economist Stan Humphries found that in 2000, only 54% of applications for conventional, owner-occupied, home purchase mortgages on one- to four-family homes resulted in mortgage originations (the balance being denied, withdrawn, or approved but not accepted by the borrower).

By 2006, standards were indeed looser and 61% of applications for conventional mortgages resulted in originations. So what happened after the bust?

In 2010 63% of conventional mortgage applications resulted in originations. That’s right, for conventional mortgages, the conversion rate between applications and originations was actually higher last year than in either 2000 or 2006.

Because the actual number of applications are lower due to pre-qualifying. If someone is told they can’t or won’t get a mortgage, they don’t apply. The quality of loan applicant qualifications is higher than in the past.