Discussed sure, I remember when TT first postulated that and I will repeat what I said then:
Proven? Nope.
It's the most sloppy assertion I ever saw made him make, cause his insight is usually on point, but this one, no. Just because someone can get to an 850 without having a mortgage paid down, doesn't mean that it's got different breakpoints, by age or anything else. It's just conjecture, and that's sloppy as there's no data to back it up.
Yeah it's nearly impossible to test without a substantially paid down mortgage, but stating as fact that they're different without proof should not happen, period. I'm willing to at least admit they might be, but we know that it hasn't been reached at 50ish% for optimal when we know, proven in fact, that the reason code disappears when optimized. Ergo, there's no flimsy points before that, and probably the breakpoints are identical for the top one regardless of loan type. We'll see if I walk across a breakpoint and I get 25ish points without having paid my mortgage significantly down, I'll be the first to shout that loud and clear, but as of today there's nothing.
This has nothing to do with optimization, so I don't understand why that term keeps being brought up with respect to THIS discussion. Other discussions we are having regarding AoOA and 850 sure, but this is a different discussion.
Rev, I don't have a dog in the fight regarding mortgage thresholds relative to other loan type thresholds. The only real way to "test" it IMO is to find someone that is about to cross the 8.9% threshold on a mortgage, do a pull, then after their paydown the following cycle reports, pull again. I'm actually shocked with the number of people/posts on this forum over the years that we don't have a definitive answer to this. We've got tons of data points on it for non-mortgage loans.
BM, negative reason codes mean they're adversely impacting FICO score, but the amount isn't defined. By definition that amount must be at least 1 point, as if it were 0 the statement wouldn't (couldn't) appear. When you get up to very high scores there's no doubt that reason statements are barely impacting scores much of the time. For example, one may know that an inquiry is worth 3 points on their profile and may see that negative statement listed as (say) number 2 on their list. That means that statements 3 and 4 are likely worth less, but greater than 0. So, basically a point or two 
Update: I started a thread in the scoring section asking if anyone has any data on crossing the 8.9% threshold on a mortgage.
@Anonymous wrote:This has nothing to do with optimization, so I don't understand why that term keeps being brought up with respect to THIS discussion. Other discussions we are having regarding AoOA and 850 sure, but this is a different discussion.
Threads such at this one meander and you've started both new threads after I've made comments that you thought were mistaken and given the original comment was about getting to 850 and the required AOOA for that, in this thread, stating it was optimization-related is legitmate.
I don't think there's any mistake on my part what the intentions were, I apologize for how this thread turned as I'm certainly partly if not mostly at fault for that.
