I heard one bank has gone to 640. They have to be losing a lot of business, not only from potential clients, but from existing business partners (builders, realtors) that are not happy about them being so strict. I think it stops at 620 and stays there for a year or more, then we will see companies getting daring and testing the waters again at 600. As I had mentioned before, some companies still go to 580, but they are tough loans to get approved.