* The distinction had become superficial. Alt-A borrowers had FICO credit scores above 680; subprime borrowers had FICO scores below 680. Alt-A loans were poorly documented, however; the borrower would fail to provide proof of income, for instance. In practice, Alt-A mortgage loans made in the United States between 2004 and 2008 totaling $1.2 trillion were as likely to default as subprime loans totaling $1.8 trillion.