A study from VantageScore Solutions shows there are more than 60 million creditworthy consumers who are potential borrowers in the U.S.
But a spokesman for the company noted that not all of those consumers are potentially eligible as mortgage borrowers.
The study looked at a consumer's general creditworthiness but did not factor in other items that are typically used in determining mortgage eligibility.
Of those 60 million people it identified, VantageScore declared that seven million of them could not be identified using standard scoring methods. It also noted that 11 million consumers are likely to see a drop in their credit quality over the next 12 months.
Among the findings in the report, Finding Creditworthy Consumers in a Changing Economic Environment, was that "consumers with fewer real estate and auto trade lines and reasonable credit scores are more able to effectively manage their debt with a smaller credit footprint and therefore likely to have stable or improving credit scores."
The study also found that consumers it said were "near prime" when it came to their secured debt had 51% lower real estate balances.
Prime borrowers had 30% fewer real estate tradelines, while the super prime customer had 21% more real estate tradelines, 22% less real estate-related delinquencies and 37% higher real estate balances.