It has become a common refrain: “It’s too hard to get a mortgage.” But is it true?

An analysis from economists at Goldman Sachs tries to shed some light on the question by measuring credit availability along several different dimensions, including common underwriting measures such as credit scores and loan-to-value ratios. The analysis also incorporates indirect measures, such as the share of homes being purchased with cash and the share of loans that aren’t government backed.

The conclusion: Along almost every dimension, mortgage credit is tighter than during the 2000-2002 period, before lenders really relaxed their standards.