|
|
Publications:
Retail Underwriting Trends
by Product Type
(Percent of Banks)
|
2003 |
2004 |
2005 |
| Eased |
Unchanged |
Tightened |
Eased |
Unchanged |
Tightened |
Eased |
Unchanged |
Tightened |
| Affordable Housing |
3 |
88 |
9 |
6 |
86 |
8 |
15 |
76 |
9 |
| Consumer Leasing |
0 |
69 |
31 |
0 |
86 |
14 |
10 |
90 |
0 |
| Credit Cards |
19 |
62 |
19 |
18 |
61 |
21 |
7 |
74 |
19 |
| Home Equity Conventional |
18 |
63 |
19 |
13 |
77 |
10 |
27 |
62 |
11 |
| Home Equity HLTV |
7 |
68 |
25 |
18 |
71 |
11 |
24 |
56 |
20 |
| Indirect Consumer |
5 |
65 |
30 |
11 |
60 |
29 |
25 |
61 |
14 |
| Other Direct Consumer |
8 |
68 |
24 |
3 |
86 |
11 |
6 |
82 |
12 |
| Residential Real Estates |
2 |
86 |
12 |
7 |
86 |
7 |
22 |
73 |
5 |
|
|
