|
|
Publications:
Retail Underwriting Trends
by Product Type
(Percent of Banks)
|
2002 |
2003 |
2004 |
| Eased |
Unchanged |
Tightened |
Eased |
Unchanged |
Tightened |
Eased |
Unchanged |
Tightened |
| Affordable Housing |
3 |
91 |
6 |
3 |
88 |
9 |
6 |
86 |
8 |
| Consumer Leasing |
0 |
67 |
33 |
0 |
69 |
31 |
0 |
86 |
14 |
| Credit Cards |
12 |
66 |
22 |
19 |
62 |
19 |
18 |
61 |
21 |
| Home Equity Conventional |
0 |
74 |
26 |
18 |
63 |
19 |
13 |
77 |
10 |
| Home Equity HLTV |
0 |
56 |
44 |
7 |
68 |
25 |
18 |
71 |
11 |
| Indirect Consumer |
0 |
72 |
28 |
5 |
65 |
30 |
11 |
60 |
29 |
| Other Direct Consumer |
2 |
67 |
31 |
8 |
68 |
24 |
3 |
86 |
11 |
| Residential Real Estates |
4 |
83 |
13 |
2 |
86 |
12 |
7 |
86 |
7 |
|
|
