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Survey of Credit Underwriting Practices

August 2010
Part III: Data Tables (continued)

B. Retail Lending Portfolios

Affordable Housing Lending

Twenty-two of the surveyed banks engaged in affordable housing lending.

**Table 39: Changes in Underwriting Standards in Affordable Housing Loan Portfolios**
(Percent of Responses)
	Eased	Unchanged	Tightened
2002	3	91	6
2003	3	88	9
2004	6	86	8
2005	15	76	9
2006	3	97	0
2007	6	88	6
2008	3	74	23
2009	0	60	40
2010	0	59	41

**Table 40: Changes in the Level of Credit Risk in Affordable Housing Loan Portfolios**
(Percent of Responses)
	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2002	6	73	21	0
2003	9	76	15	0
2004	9	82	9	0
2005	6	79	15	0
2006	3	86	11	0
2007	0	88	12	0
2008	0	58	35	6
2009	4	32	52	12
2010	9	36	46	9
Future 12 Months	9	36	55	0

Credit Card Lending

Sixteen of the surveyed banks engaged in credit card lending.

**Table 41: Changes in Underwriting Standards in Credit Card Loan Portfolios**
(Percent of Responses)
	Eased	Unchanged	Tightened
2002	12	66	22
2003	19	62	19
2004	18	61	21
2005	7	74	19
2006	19	56	25
2007	16	79	5
2008	18	47	35
2009	0	32	68
2010	0	19	81

**Table 42: Changes in the Level of Credit Risk in Credit Card Loan Portfolios**
(Percent of Responses)
	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2002	6	54	31	9
2003	22	48	30	0
2004	11	61	25	3
2005	15	67	18	0
2006	0	56	44	0
2007	11	63	26	0
2008	0	35	65	0
2009	0	10	53	37
2010	6	0	63	31
Future 12 Months	0	38	56	6

Other Direct Consumer Lending

Nineteen of the surveyed banks engaged in other direct consumer lending.

**Table 43: Changes in Underwriting Standards in Other Direct Consumer Loan Portfolios**
(Percent of Responses)
	Eased	Unchanged	Tightened
2002	2	67	31
2003	8	68	24
2004	3	86	11
2005	6	82	12
2006	3	91	6
2007	8	87	5
2008	6	72	22
2009	4	28	68
2010	0	68	32

**Table 44: Changes in the Level of Credit Risk in Other Direct Consumer Loan Portfolios**
(Percent of Responses)
	Declined Significantly	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2002	2	6	67	25	0
2003	2	17	72	7	2
2004	2	13	78	7	0
2005	0	8	82	10	0
2006	0	3	88	9	0
2007	0	3	87	10	0
2008	0	3	59	38	0
2009	0	0	18	68	14
2010	0	5	11	74	10
Future 12 Months	0	5	37	53	5

Home Equity—Conventional Lending

Forty of the surveyed banks offered the conventional home equity lending product.

**Table 45: Changes in Underwriting Standards in Home Equity—Conventional Loan Portfolios**
(Percent of Responses)
	Eased	Unchanged	Tightened
2002	0	74	26
2003	18	63	19
2004	13	77	10
2005	27	62	11
2006	34	64	2
2007	19	65	16
2008	2	46	52
2009	0	22	78
2010	5	35	60

**Table 46: Changes in the Level of Credit Risk in Home Equity—Conventional Loan Portfolios**
(Percent of Responses)
	Declined Significantly	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2002	0	7	71	22	0
2003	4	4	69	23	0
2004	0	6	79	13	2
2005	0	7	78	15	0
2006	0	0	69	29	2
2007	0	0	63	34	3
2008	0	0	29	52	19
2009	0	0	10	63	27
2010	0	5	12	73	10
Future 12 Months	0	10	25	65	0

Home Equity—High LTV Lending

Eight of the surveyed banks offered the high LTV home equity lending product.

**Table 47: Changes in Underwriting Standards in Home Equity—High LTV Loan Portfolios**
(Percent of Responses)
	Eased	Unchanged	Tightened
2002	0	56	44
2003	7	68	25
2004	18	71	11
2005	24	56	20
2006	37	63	0
2007	22	61	17
2008	6	6	89
2009	0	7	93
2010	0	13	87

**Table 48: Changes in the Level of Credit Risk in Home Equity—High LTV Loan Portfolios**
(Percent of Responses)
	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2002	12	40	44	4
2003	11	50	36	3
2004	18	61	18	3
2005	4	72	24	0
2006	0	63	37	0
2007	6	39	55	0
2008	0	0	56	44
2009	0	0	36	64
2010	13	0	50	37
Future 12 Months	13	12	63	12

Indirect Consumer Lending

Twenty-one of the surveyed banks engaged in indirect consumer lending.

**Table 49: Changes in Underwriting Standards in Indirect Consumer Loan Portfolios**
(Percent of Responses)
	Eased	Unchanged	Tightened
2002	0	72	28
2003	5	65	30
2004	11	60	29
2005	25	61	14
2006	35	52	13
2007	16	75	9
2008	20	56	24
2009	0	26	74
2010	5	33	62

**Table 50: Changes in the Level of Credit Risk in Indirect Consumer Loan Portfolios**
(Percent of Responses)
	Declined Significantly	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2002	3	13	38	43	3
2003	5	20	47	28	0
2004	0	26	60	14	0
2005	3	19	67	8	3
2006	6	10	48	36	0
2007	0	3	87	10	0
2008	0	4	36	60	0
2009	0	0	7	74	19
2010	0	24	24	47	5
Future 12 Months	0	10	33	57	0

Residential Real Estate Lending

Forty-two of the surveyed banks engaged in residential real estate lending.

**Table 51: Changes in Underwriting Standards in Residential Real Estate Loan Portfolios**
(Percent of Responses)
	Eased	Unchanged	Tightened
2002	4	83	13
2003	2	86	12
2004	7	86	7
2005	22	73	5
2006	26	69	5
2007	19	67	14
2008	0	44	56
2009	0	27	73
2010	5	36	59

**Table 52: Changes in the Level of Credit Risk in Residential Real Estate Loan Portfolios**
(Percent of Responses)
	Declined Significantly	Declined Somewhat	Unchanged	Increased Somewhat	Increased Significantly
2002	0	8	68	24	0
2003	0	12	74	12	2
2004	0	6	92	2	0
2005	0	3	73	24	0
2006	0	7	69	24	0
2007	2	6	59	33	0
2008	2	0	38	55	5
2009	0	2	12	69	17
2010	0	3	14	57	26
Future 12 Months	0	7	26	67	0

Alphabetical Listing

Publications by Topic

Publications by Type

Survey of Credit Underwriting Practices

August 2010
Part III: Data Tables (continued)

Part I: Overall Results

Part III: Data Tables

Featured Publications

Top Tasks

Alphabetical Listing

Publications by Topic

Publications by Type

Survey of Credit Underwriting Practices

August 2010Part III: Data Tables (continued)

Part I: Overall Results

Part III: Data Tables

Featured Publications

Top Tasks

August 2010
Part III: Data Tables (continued)