This paper applies the real denial rate method of calculating mortgage denial rates, which we developed and introduced in 2014, to the most recent mortgage data to determine how hard it was for those with less than perfect credit to get a mortgage in 2014 and 2015. The analysis reveals that mortgage denial rates have gone down slightly in recent years but credit remained tight as more lower-credit applicants have simply given up and stopped applying for mortgages. It also affirms the major findings from the 2014 analysis.