Does a new report really reveal that mortgage loans are becoming easier to get, or is it all just more hype? Ellie Mae, a mortgage origination software firm has released a new report suggesting that mortgage credit is becoming more accessible for those buying a home. So how much easier has it gotten since last year and where should you turn to for a mortgage loan? The survey shows that the average FICO score for approved mortgages last month stood at 743. While high, this is down about 5 points since last year; a step in the right direction.