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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