Until 1980 households were the leading mortgage borrower in the United States but they were passed by business mortgage borrowers in 1981 and continued to rank in second place through 2000, according to your text.

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Households have consistently been the leading mortgage borrowers in the United States, not businesses. Mortgages are primarily associated with residential properties, which are typically owned by individuals or families rather than businesses.

Until 1980 Households Were the Leading Mortgage Borrower in the United