Publications:
Retail Underwriting Trends
by Product Type
(Percent of Banks)
|
2003 |
2004 |
2005 |
2006 |
2007 |
| Eased |
Unchanged |
Tightened |
Eased |
Unchanged |
Tightened |
Eased |
Unchanged |
Tightened |
Eased |
Unchanged |
Tightened |
Eased |
Unchanged |
Tightened |
| Affordable Housing |
3
|
88
|
9
|
6
|
86
|
9
|
15
|
76
|
9
|
3
|
97
|
0
|
6
|
88
|
6
|
| Credit Cards |
19
|
63
|
19
|
18
|
61
|
21
|
7
|
74
|
19
|
19
|
56
|
25
|
16
|
79
|
5
|
| Home Equity Conventional |
18
|
63
|
19
|
13
|
77
|
10
|
27
|
62
|
12
|
34
|
64
|
2
|
19
|
66
|
16
|
| Home Equity High LTV |
7
|
68
|
25
|
18
|
71
|
11
|
24
|
56
|
20
|
37
|
63
|
0
|
22
|
61
|
17
|
| Indirect Consumer |
5
|
65
|
30
|
11
|
60
|
29
|
25
|
61
|
14
|
35
|
52
|
13
|
16
|
75
|
9
|
| Other Direct Consumer |
8
|
68
|
25
|
4
|
86
|
11
|
6
|
82
|
12
|
3
|
91
|
6
|
8
|
87
|
5
|
| Residential Real
Estates |
2
|
86
|
12
|
6
|
87
|
6
|
22
|
73
|
5
|
26
|
69
|
5
|
19
|
67
|
14
|
|
