The resurgence of subprime mortgage lending has been alarming, as if the 2008 financial crisis never occurred. Initially, subprime loans were concerning, but the scale of their return in the early 2000s became truly frightening. In the mid-90s, $30 billion was a significant amount for subprime lending; however, this figure skyrocketed to $130 billion by 2000, with over $55 billion turned into mortgage bonds.

By 2005, the situation escalated dramatically, with subprime mortgage loans reaching $625 billion, and an astonishing $507 billion of those adapted into mortgage bonds. This rapid growth highlights the recidivism of risky lending practices that contributed to the financial collapse of the late 2000s.