There are other complications as well. The amount of personal savings also plays a role. You've got to look at the entire financial picture and not focus on any single element. Many people don't need to borrow after retirement, but some do. For example, if you still have a child to put through college and are planning to tap your home equity, it's easier to borrow while you're still working.
Banks take great comfort in that regular paycheck.
Even if you're not planning to borrow, consider setting up a home equity line of credit. That will allow you to borrow against your house if the need should arise. Start educating yourself as a consumer. This attracts crooks and scam artists in droves. Many offer investment schemes or business opportunities that are quite tempting to someone who might have been thinking about starting a business anyway.