General Assessment

Variable(2016)
Data
Main constraints in the development of the housing finance sector  
New developments that will have a major impact on the sector 
back to top | Country Data:
Notes: 15 year FRM data is used
Notes: 15 year FRM data is used
Notes: 15 year FRM data is used
Notes: Binding if mortgages are sold to GSE
Notes: Both FannieMae & FreddieMac
Notes: Both FannieMae & FreddieMac
Notes: Both FannieMae & FreddieMac
Notes: Costs vary regionally
Notes: Federal Housing Authority Insurance
Notes: federal minimum wage is used; July 24 of each year is the annual cutoff.
Notes: federal minimum wage is used; July 24 of each year is the annual cutoff.
Notes: federal minimum wage is used; July 24 of each year is the annual cutoff.
Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
Notes: FRM/total single-family loans
Notes: Median of a range from 263-444 USD
Notes: Mortgage interest deductibility is limited to $1 million size of loan. The proportion is very high and estimated at 80% by experts
Notes: National data
Notes: Not at the Federal level, but some states do
Notes: Section 8
Notes: Section 8
Notes: Section 8
Notes: Section 8
Notes: Section 8
Notes: Section 8
Notes: Section 8
Notes: Section 8
Notes: Section 8
Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government
Notes: The total number of sales is used as the weight between new and existing housing
Notes: # of Mortgage-free owner occupied units is 24,225 divided by total number of owner occupied units = 76,091
Notes: $400 and up for buyer, $150-$500 for lender, varies by state
Notes: $400 and up for buyer, $150-$500 for lender, varies by state
Notes: 0.40%
Notes: 0.60%
Notes: 0.70%
Notes: 0.70%
Notes: 0.70%
Notes: 0.70%
Notes: 0.70%
Notes: 15 year FRM data is used
Notes: 15 year FRM data is used
Notes: 2011 data now includes Savings and Loans in this data set
Notes: 24% for conventional loans, 28% for FHA
Notes: 28% for conventional loans (Wells Fargo & Others), 31% for FHA loans, 41% for VA Loans
Notes: 36% for conventional through Fannie Mae/Freddie Mac, 31% for FHA, 41% for VA
Notes: 36% for conventional through Fannie Mae/Freddie Mac, 31% for FHA, 41% for VA
Notes: 80 per Square feet - The average construction cost of a single-family home in 2011 is $184,125. Average Home size: 2,311 square feet in 2011
Notes: 82 per Square feet - The average construction cost of a single-family home in 2009 is $222,511. Average Home size: 2,716 square feet in 2009
Notes: All those who itemize tax returns
Notes: Annual average was computed using the quarterly statistics
Notes: Approximation. Mostly big national lenders
Notes: Approximation. Mostly big national lenders
Notes: Approximation. Mostly big national lenders
Notes: Approximation. Mostly big national lenders
Notes: Approximation. Mostly big national lenders
Notes: Approximation. Mostly big national lenders
Notes: Approximation. Mostly big national lenders
Notes: ARM/total single-family loans
Notes: ARM/total single-family loans
Notes: ARM/total single-family loans
Notes: ARM/total single-family loans
Notes: ARM/total single-family loans
Notes: As a percentage of the outstanding loan balance. 30-60%
Notes: As a percentage of the outstanding loan balance. 30-60%
Notes: As a percentage of the outstanding loan balance. 30-60%
Notes: As a percentage of the outstanding loan balance. 30-60%
Notes: As a percentage of the outstanding loan balance. 30-60%
Notes: Bank prime loan rate
Notes: Base year
Notes: Binding if mortgages are sold to GSE
Notes: Binding if mortgages are sold to GSE
Notes: Binding if mortgages are sold to GSE
Notes: Binding if mortgages are sold to GSE
Notes: Binding if mortgages are sold to GSE
Notes: Binding if mortgages are sold to GSE
Notes: Binding if mortgages are sold to GSE
Notes: Both FannieMae & FreddieMac
Notes: Both FannieMae & FreddieMac
Notes: Both FannieMae & FreddieMac
Notes: Both FannieMae & FreddieMac
Notes: Both FannieMae & FreddieMac
Notes: By the U.S. Housing Affordability convention, the ratio computed here is "Median Price for Existing Single-Family" to "Median Family Income (Metro District of Columbia)"
Notes: By the U.S. Housing Affordability convention, the ratio computed here is "Median Price for Existing Single-Family" to "Median Family Income (Metro District of Columbia)"
Notes: By the U.S. Housing Affordability convention, the ratio computed here is "Median Price for Existing Single-Family" to "Median Family Income (Metro District of Columbia)"
Notes: By the U.S. Housing Affordability convention, the ratio computed here is "Median Price for Existing Single-Family" to "Median Family Income"
Notes: By the U.S. Housing Affordability convention, the ratio computed here is "Median Price for Existing Single-Family" to "Median Family Income"
Notes: By the U.S. Housing Affordability convention, the ratio computed here is "Median Price for Existing Single-Family" to "Median Family Income"
Notes: By the U.S. Housing Affordability convention, the ratio computed here is "Median Price for Existing Single-Family" to "Median Family Income"
Notes: By the U.S. Housing Affordability convention, the ratio computed here is "Median Price for Existing Single-Family" to "Median Family Income"
Notes: By the U.S. Housing Affordability convention, the ratio computed here is "Median Price for Existing Single-Family" to "Median Family Income"
Notes: By the U.S. Housing Affordability convention, the ratio computed here is "Median Price for Existing Single-Family" to "Median Family Income"
Notes: Consumer Financial Protection Bureau
Notes: conventional loans for owner-occupied home purchase by GSEs
Notes: conventional loans for owner-occupied home purchase by GSEs
Notes: conventional loans for owner-occupied home purchase by GSEs
Notes: conventional loans for owner-occupied home purchase by GSEs
Notes: conventional loans for owner-occupied home purchase by GSEs
Notes: conventional loans for owner-occupied home purchase by GSEs
Notes: Costs vary regionally
Notes: Costs vary regionally
Notes: Costs vary regionally
Notes: Costs vary regionally
Notes: End of Period
Notes: Fannie Mae, Freddie Mac, Ginnie Mae
Notes: Federal Housing Authority Insurance
Notes: Federal Housing Authority Insurance
Notes: Federal Housing Authority Insurance
Notes: Federal Housing Authority Insurance
Notes: Federal Housing Authority Insurance
Notes: Federal Housing Authority Insurance
Notes: Federal Housing Authority Insurance
Notes: Federal Housing Authority Insurance
Notes: Federal Housing Authority Insurance
Notes: federal minimum wage is used; July 24 of each year is the annual cutoff.
Notes: federal minimum wage is used; July 24 of each year is the annual cutoff.
Notes: federal minimum wage is used; July 24 of each year is the annual cutoff.
Notes: FHA & VA
Notes: FHA & VA
Notes: FHA & VA
Notes: FHA & VA
Notes: FHA & VA
Notes: FHA & VA
Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
Notes: FRM/total single-family loans
Notes: FRM/total single-family loans
Notes: FRM/total single-family loans
Notes: FRM/total single-family loans
Notes: Housing Expense Ratio and Short-term Debt Obligations/the latter is most frequently applied and is calculated over debt/income of all signers of the note/It is not prescribed and lenders have flexibility
Notes: HUD
Notes: HUD
Notes: HUD
Notes: HUD
Notes: HUD
Notes: in number of loans
Notes: in number of loans
Notes: in number of loans
Notes: in number of loans
Notes: in number of loans
Notes: in number of loans
Notes: in number of loans
Notes: in number of loans
Notes: Includes public and private rental units
Notes: Median
Notes: Median in the range from 84-600 USD
Notes: Median in the range from 84-600 USD
Notes: Median is used (1800 square feet)
Notes: Median of a range from 263-444 USD
Notes: Median Price of New Homes Sold in the U.S.
Notes: Median Sale Price for New Houses Sold
Notes: Mortgage interest deductibility is limited to $1 million size of loan
Notes: Mortgage interest deductibility is limited to $1 million size of loan. The proportion is very high and estimated at 80% by experts
Notes: Mortgage interest deductibility is limited to $1 million size of loan. The proportion is very high and estimated at 80% by experts
Notes: Mortgage interest deductibility is limited to $1 million size of loan. The proportion is very high and estimated at 80% by experts
Notes: Mortgage interest deductibility is limited to $1 million size of loan. The proportion is very high and estimated at 80% by experts
Notes: Mortgage interest deductibility is limited to $1 million size of loan. The proportion is very high and estimated at 80% by experts
Notes: Mortgage interest deductibility is limited to $1 million size of loan. The proportion is very high and estimated at 80% by experts
Notes: National data
Notes: National data
Notes: National data
Notes: National data
Notes: National data
Notes: National data
Notes: National data
Notes: National data used
Notes: National data used
Notes: National figures are used
Notes: National figures are used
Notes: National figures are used
Notes: National figures are used
Notes: National figures are used
Notes: National figures are used
Notes: New + existing housing are weighted equally
Notes: New + existing housing are weighted equally
Notes: New + existing housing are weighted equally
Notes: New + existing housing are weighted equally
Notes: New + existing housing are weighted equally
Notes: New + existing housing are weighted equally
Notes: New + existing housing are weighted equally
Notes: no income limits; function of house price and income (at any level)
Notes: no income limits; function of house price and income (at any level)
Notes: no income limits; function of house price and income (at any level)
Notes: no income limits; function of house price and income (at any level)
Notes: no income limits; function of house price and income (at any level)
Notes: no income limits; function of house price and income (at any level)
Notes: no income limits; function of house price and income (at any level)
Notes: not at federal level, some states have it
Notes: not at federal level, some states have it
Notes: not at federal level, some states have it
Notes: not at federal level, some states have it
Notes: not at federal level, some states have it
Notes: not at federal level, some states have it
Notes: not at federal level, some states have it
Notes: not at federal level, some states have it
Notes: not at federal level, some states have it
Notes: not at federal level, some states have it
Notes: Not at the Federal level, but some states do
Notes: Not at the Federal level, but some states do
Notes: Not at the Federal level, but some states do
Notes: Not at the Federal level, but some states do
Notes: Not at the Federal level, but some states do
Notes: Not at the Federal level, but some states do
Notes: Not at the Federal level, but some states do
Notes: Not at the Federal level, but some states do
Notes: Only at the state level
Notes: Only at the state level
Notes: Only at the state level
Notes: Only at the state level
Notes: Only at the state level
Notes: Only at the state level
Notes: Only at the state level
Notes: Only Credit Unions - Savings in 2011 were included in Universal Commercial Banks figure
Notes: p.3
Notes: Quoted on investment basis
Notes: Quoted on investment basis
Notes: Quoted on investment basis
Notes: Quoted on investment basis
Notes: Quoted on investment basis
Notes: Quoted on investment basis
Notes: Quoted on investment basis
Notes: Quoted on investment basis
Notes: Quoted on investment basis
Notes: Quoted on investment basis
Notes: Quoted on investment basis
Notes: Quoted on investment basis
Notes: Quoted on investment basis
Notes: Quoted on investment basis
Notes: Range from 225-450
Notes: Range from 225-450
Notes: Section 8
Notes: some special programs
Notes: some special programs
Notes: some special programs
Notes: some special programs
Notes: some special programs
Notes: some special programs
Notes: some special programs
Notes: some special programs
Notes: some special programs
Notes: some states do
Notes: some states do
Notes: some states do
Notes: some states do
Notes: some states do
Notes: The cost of title services and title insurance varies by state. For example, a lender's policy on a $100,000 loan can range from $175 in one state to $900 in another. In some states, the price can even vary by county
Notes: The cost of title services and title insurance varies by state. For example, a lender's policy on a $100,000 loan can range from $175 in one state to $900 in another. In some states, the price can even vary by county
Notes: The cost of title services and title insurance varies by state. For example, a lender's policy on a $100,000 loan can range from $175 in one state to $900 in another. In some states, the price can even vary by county
Notes: The cost of title services and title insurance varies by state. For example, a lender's policy on a $100,000 loan can range from $175 in one state to $900 in another. In some states, the price can even vary by county
Notes: The cost of title services and title insurance varies by state. For example, a lender's policy on a $100,000 loan can range from $175 in one state to $900 in another. In some states, the price can even vary by county
Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government.
Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government.
Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government.
Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government.
Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government.
Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government.
Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government.
Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government.
Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government.
Notes: The state of Louisiana system is based on principles from France and Spain (civil law). State of California is based on common law but has codified it in a manner of civil law. California and a number of other Western states, however, have retained the concept of community property derived from civil law.
Notes: The total number of sales is used as the weight between new and existing housing
Notes: The total number of sales is used as the weight between new and existing housing
Notes: The total number of sales is used as the weight between new and existing housing
Notes: The total number of sales is used as the weight between new and existing housing
Notes: The total number of sales is used as the weight between new and existing housing
Notes: The total number of sales is used as the weight between new and existing housing
Notes: There was no AHS-Metropolitan Sample in the 2011 survey. Instead, a supplemental sample of housing units was selected for 29 metropolitan areas. This supplemental sample was combined with the National Sample in these areas in order to produce metropolitan estimates using the National survey.
Notes: This figure is a % of first-lien residential mortgages serviced by selected national and federal savings banks from the OCC Mortgage Metrics Report for the fourth quarter of 2011. All these mortgages comprise 60 percent of all mortgages outstanding in the United States
Notes: This figure is a % of first-lien residential mortgages serviced by selected national and federal savings banks from the OCC Mortgage Metrics Report for the fourth quarter of 2011. All these mortgages comprise 60 percent of all mortgages outstanding in the United States
Notes: This figure is a % of first-lien residential mortgages serviced by selected national and federal savings banks from the OCC Mortgage Metrics Report for the fourth quarter of 2011. All these mortgages comprise 60 percent of all mortgages outstanding in the United States
Notes: This figure is a % of first-lien residential mortgages serviced by selected national and federal savings banks from the OCC Mortgage Metrics Report for the fourth quarter of 2011. All these mortgages comprise 60 percent of all mortgages outstanding in the United States
Notes: This figure is for households in metropolitan areas as defined by the U.S. Census Bureau
Notes: U.S. Department of Housing and Urban Development By the U.S. Housing Affordability convention, the ratio computed here is "Median Price for Existing Single-Family" to "Median Family Income (Metro District of Columbia)"
Notes: VA
Notes: VA
Notes: VA
Notes: VA
Notes: Veterans Authority guarantee
Notes: Veterans Authority guarantee
Notes: Veterans Authority guarantee
Notes: Veterans Authority guarantee
Notes: Veterans Authority guarantee
Notes: Veterans Authority guarantee
Notes: Veterans Authority guarantee
Notes: Veterans Authority guarantee
Notes: Veterans Authority guarantee