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Survey of Credit Underwriting Practices

June 2011

**Figure 8: Retail Underwriting Trends, by Product Type (Percentage of Responses)**
	2003			2004			2005			2006			2007			2008			2009			2010			2011
	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened	Eased	Unchanged	Tightened
Affordable Housing	3	88	9	6	86	8	15	76	9	3	97	0	6	88	6	3	74	23	0	60	40	0	59	41	8	67	25
Credit Cards	19	63	19	18	61	21	7	74	19	19	56	25	16	79	5	18	47	35	0	32	68	0	19	81	25	31	44
Home Equity Conventional	18	63	19	13	77	10	27	62	11	34	64	2	19	65	16	2	46	52	0	22	78	5	35	60	9	55	36
Home Equity High LTV	7	68	25	18	71	11	24	56	20	37	63	0	22	61	17	6	6	89	0	7	93	0	13	88	0	50	50
Indirect Consumer	5	65	30	11	60	29	25	61	14	35	52	13	16	75	9	20	56	24	0	26	74	5	33	62	37	47	16
Other Direct Consumer	8	68	24	4	86	11	6	82	12	3	91	6	8	87	5	6	72	22	4	28	68	0	68	32	10	75	15
Residential Real Estate	2	86	12	6	87	6	22	73	5	26	69	5	19	67	14	0	44	56	0	27	73	5	36	59	8	52	40

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