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Survey of Credit Underwriting Practices

June 2011

Figure 12: Retail Credit Risk Trends—Current Credit Risk Change, by Product Type
(Percentage of Responses)
	2003			2004			2005			2006			2007			2008			2009			2010			2011
	Decreased	Unchanged	Increased	Decreased	Unchanged	Increased	Decreased	Unchanged	Increased	Decreased	Unchanged	Increased	Decreased	Unchanged	Increased	Decreased	Unchanged	Increased	Decreased	Unchanged	Increased	Decreased	Unchanged	Increased	Decreased	Unchanged	Increased
Affordable Housing	9	76	15	9	83	9	6	79	15	3	86	11	0	88	12	0	58	42	4	32	64	9	36	55	25	42	33
Credit Cards	22	48	30	11	61	29	15	67	19	0	56	44	11	63	26	0	35	65	0	11	89	6	0	94	69	25	6
Home Equity Conventional	7	70	23	7	79	15	7	78	15	0	69	31	0	63	38	0	29	71	0	10	90	5	12	83	18	41	41
Home Equity HLTV	11	50	39	18	61	21	4	72	24	0	63	37	6	39	56	0	0	100	0	0	100	13	0	88	50	17	33
Indirect Consumer	25	48	28	26	60	14	22	67	11	16	48	35	13	56	31	4	36	60	0	7	93	24	24	52	32	42	26
Other Direct Consumer	19	72	9	14	79	7	8	82	10	3	88	9	3	87	11	3	59	38	0	18	82	5	11	84	25	55	10
Residential RE	12	74	14	6	92	2	3	73	24	6	69	24	8	59	33	2	38	60	2	12	87	2	14	83	15	42	44

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