DS News - HSBC

DS News August 2017

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ยป VISIT US ONLINE @ DSNEWS.COM 77 Note: e share of loans made during 2001-2003 with the credit-risk attribute shown on the axis is set equal to 100. 240 220 200 180 160 140 120 100 80 60 40 2001 Q1 2003 Q1 2005 Q1 2007 Q1 2009 Q1 2011 Q1 2013 Q1 2015 Q1 2017 Q1 BENCHMARK LESS RISK MORE RISK 2001-2003 FIGURE 1: CORELOGIC OVERALL HOUSING CREDIT INDEX HOUSING CREDIT INDEX (2001=100) HCI FACTORS CREDIT SCORE LOAN-TO-VALUE RATIO (LTV) DEBT-TO-INCOME RATIO (DTI) DOCUMENTATION TYPE INVESTOR-OWNED STATUS CONDO/CO-OP SHARE 260 240 220 200 180 160 140 120 100 80 60 40 2001 Q1 2003 Q1 2005 Q1 2007 Q1 2009 Q1 2011 Q1 2013 Q1 2015 Q1 2017 Q1 LESS RISK MORE RISK FIGURE 2: HOUSING CREDIT INDEX BY LOAN PURPOSE HOUSING CREDIT INDEX (2001=100) FIGURE 3: SIX CREDIT-RISK ATTRIBUTES FOR NEW FIRST-LIEN, HOME-PURCHASES, PRIME CONFORMING CONVENTIONAL LOANS: Q1 2017 COMPARED WITH 2001-2003 150 125 100 75 50 25 0 CREDIT SCORE LESS THAN 640 LTV SHARE 95 AND ABOVE DTI SHARE 43 AND ABOVE CONDO CO-OP SHARE INVESTOR SHARE LOW & NO DOC SHARE BENCHMARK (2001-2003 ORIGINATIONS) CURRENT (2017:Q1) PURCHASE REFINANCE OVERALL

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