The crear us of 2008-2009 was mostly attributed to the use of strior eriteris applied by mortgage originators. very fough credit ratings applied to mortgages liberal criteria applied by mortgage originators mixed rate mortgages with long terms to maturity the wongantona used to measure creditworthiness EXCEPT The cation of the property for the loan. Borrower's income and debt levels Level of equity invested by the borrowers Borrower's credit score