But now, with losses mounting within the mortgage-insurance industry, some applicants are being turned away, while others will have to pay higher premiums.
Howeverm, there may be an issue here for creative industries where applicants often need to show examples of their work.
The one most widely available to mortgage applicants, industry executives said, is Fannie Mae's product, which is offered by many big lenders.
Those from minority backgrounds are more likely to also come from economically disadvantaged families, and like most sectors of the creative industries, entry level applicants can expect to intern.
Throughout the United States, prisons are competing with other industries for job applicants, and they're losing: understaffing is a chronic problem from Texas to New Hampshire.
For example, a report from the Association of the British Pharmaceutical Industry noted that the pharmaceutical industry needs highly qualified applicants in statistics and mechanical engineering.
After all, two of the primary benefits of creating a culture in which all employees feel trust, pride and enjoyment are lower turnover and higher quality job applicants than industry peers.
And apparently there is much to support this: "All credible research finds the same evidence about the STEM workforce: ample supply, stagnant wages and, by industry accounts, thousands of applicants for any advertised job.
Scientists who seek industrial jobs, he believes, need to assume that today the burden of preparing for industry rests with the applicant rather than the employer.
