Two out of three adults believe mortgage pitches are either only slightly credible or not credible at all. More than one in five adults, 22 percent, are convinced mortgage advertising and marketing is not credible at all and that could be putting the industry’s reputation at stake, according to a recent poll. During the last housing boom, the mortgage industry experienced growing levels of predatory lending, fraud and financial crimes that spawned a swarm of complaints from civil and class action lawsuits to federal investigations of organized crime. Collusion, conspiracy and insider aiding and abetting among other sectors of the real estate industry share the blame for consumers who believe mortgage ads are empty lures.