Mortgage Marvel.com, a mortgage shopping website, recently pulled data from almost half a million online mortgage applicants from across the country. For consumers applying for 30-year and 15-year mortgages, the site came up with an average credit score.

The good news: since the site ran a similar tabulation in 2011, credit scores from online mortgage shoppers have increased by four points, to 734. That small bump is an indication of how the real estate crisis has slowly resolved itself, and how the average household debt load has improved overall.