Publications:

Retail Underwriting Trends by Product Type
(Percent of Banks)

	2002			2003			2004			2005			2006
	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened
Affordable Housing	6	91	3	3	88	9	6	86	9	15	76	9	3	97	0
Credit Cards	22	66	13	19	63	19	18	61	21	7	74	19	19	56	25
Home Equity Conventional	26	74	0	18	63	19	13	77	10	27	62	12	34	64	2
Home Equity High LTV	44	56	09	7	68	25	18	71	11	24	56	20	37	63	0
Indirect Consumer	28	72	0	5	65	30	11	60	29	25	61	14	35	52	13
Other Direct Consumer	31	67	2	8	68	25	4	86	11	6	82	12	3	91	6
Residential Real Estates	13	83	4	2	86	12	6	87	6	22	73	5	26	69	5