General Assessment

Variable(2022)
Data
Main constraints in the development of the housing finance sector  
New developments that will have a major impact on the sector 
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Notes:
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: Not at the Federal level, but some states do
Notes: Number of financial institutions reporting data on mortgage applications
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: $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: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2012=100
Notes: 2021 and 2022 data acquired from San Francisco Fed. End of year discount rates match IFS data
Notes: 2021 and 2022 data acquired from San Francisco Fed. End of year discount rates match IFS data
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: According to the U.S. Census Bureau: "homeownership rate is computed by dividing the number of owner-occupied housing units by the number of occupied housing units or households."
Notes: Affiliated and independent mortgage companies
Notes: Affiliated and independent mortgage companies
Notes: Affiliated and independent mortgage companies
Notes: Affiliated and independent mortgage companies
Notes: Affiliated and independent mortgage companies
Notes: Affiliated and independent mortgage companies
Notes: All those who itemize tax returns
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: Article from S&P and Joint Economic Committee of Congress on typical loan of $210,000
Notes: Average 5/1 ARM rate, term undisclosed
Notes: Average 5/1 ARM rate, term undisclosed
Notes: Average 5/1 ARM rate, term undisclosed
Notes: Average 5/1 ARM rate, term undisclosed
Notes: Average 5/1 ARM rate, term undisclosed
Notes: Average 5/1 ARM rate, term undisclosed
Notes: Average 5/1 ARM rate, term undisclosed
Notes: Average 5/1 ARM rate, term undisclosed
Notes: Average 5/1 ARM rate, term undisclosed
Notes: Average 5/1 ARM rate, term undisclosed
Notes: Average 5/1 ARM rate, term undisclosed
Notes: Average 5/1 ARM rate, term undisclosed
Notes: Average 5/1 ARM rate, term undisclosed
Notes: Average 5/1 ARM rate, term undisclosed
Notes: Average size of single family housing unit
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: CB
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Change in median sale price of new single-family houses
Notes: Commercial banks as % of total number of mortgage lenders
Notes: Commercial banks as % of total number of mortgage lenders
Notes: Commercial banks as % of total number of mortgage lenders
Notes: Commercial banks as % of total number of mortgage lenders
Notes: Commercial banks as % of total number of mortgage lenders
Notes: Commercial banks as % of total number of mortgage lenders
Notes: Commercial banks as % of total number of mortgage lenders
Notes: Commercial banks as % of total number of mortgage lenders
Notes: Commercial banks as % of total number of mortgage lenders
Notes: Commercial banks as % of total number of mortgage lenders
Notes: Consumer Financial Protection Bureau
Notes: Consumer Financial Protection Bureau
Notes: Consumer Financial Protection Bureau
Notes: Costs vary regionally
Notes: Costs vary regionally
Notes: Costs vary regionally
Notes: Costs vary regionally
Notes: Credit unions and savings institutions as % of total number of mortgage lenders
Notes: Credit unions and savings institutions as % of total number of mortgage lenders
Notes: Credit unions and savings institutions as % of total number of mortgage lenders
Notes: Credit unions and savings institutions as % of total number of mortgage lenders
Notes: Credit unions and savings institutions as % of total number of mortgage lenders
Notes: Credit unions and savings institutions as % of total number of mortgage lenders
Notes: Credit unions and savings institutions as % of total number of mortgage lenders
Notes: Credit unions and savings institutions as % of total number of mortgage lenders
Notes: Credit unions and savings institutions as % of total number of mortgage lenders
Notes: Credit unions and savings institutions as % of total number of mortgage lenders
Notes: Estimation based on the federal minimum hourly wage (40 hrs per week, 4 weeks per month); July 24 of each year is the annual cutoff.
Notes: Estimation based on the federal minimum hourly wage (40 hrs per week, 4 weeks per month); July 24 of each year is the annual cutoff.
Notes: Estimation based on the federal minimum hourly wage (40hrs per week, 4 weeks per month); July 24 of each year is the annual cutoff.
Notes: Excludes incorporated self-employed workers
Notes: Excludes incorporated self-employed workers
Notes: Excludes incorporated self-employed workers
Notes: Excludes incorporated self-employed workers
Notes: Excludes incorporated self-employed workers
Notes: Excludes incorporated self-employed workers
Notes: Excludes incorporated self-employed workers
Notes: Excludes incorporated self-employed workers
Notes: Excludes incorporated self-employed workers
Notes: Excludes incorporated self-employed workers
Notes: Excludes multifamily units
Notes: Excludes multifamily units
Notes: Excludes multifamily units
Notes: Excludes multifamily units
Notes: Excludes multifamily units
Notes: Excludes multifamily units
Notes: Fannie Mae, Freddie Mac, Ginnie Mae
Notes: Fannie Mae, Freddie Mac, Ginnie Mae
Notes: Fannie Mae, Freddie Mac, Ginnie Mae
Notes: Federal Housing Administration
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: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: In current dollars
Notes: in number of loans
Notes: in number of loans
Notes: in number of loans
Notes: in number of loans
Notes: Inside Metropolitan Statistical Areas, only for principal cities
Notes: Inside Metropolitan Statistical Areas, only for principal cities
Notes: Inside Metropolitan Statistical Areas, only for principal cities
Notes: Inside Metropolitan Statistical Areas, only for principal cities
Notes: Inside Metropolitan Statistical Areas, only for principal cities
Notes: Inside principal cities only of metropolitan statistical areas
Notes: Inside principal cities only of metropolitan statistical areas
Notes: Inside principal cities only of metropolitan statistical areas
Notes: Inside principal cities only of metropolitan statistical areas
Notes: Inside principal cities only of metropolitan statistical areas
Notes: Inside principal cities only of metropolitan statistical areas
Notes: Inside principal cities only of metropolitan statistical areas
Notes: Inside principal cities only of metropolitan statistical areas
Notes: Inside principal cities only of metropolitan statistical areas
Notes: Inside principal cities only of metropolitan statistical areas
Notes: Inside principal cities only of metropolitan statistical areas
Notes: Interest is deductible on only the first $1 million of acquisition debt
Notes: Interest is deductible on only the first $1 million of acquisition debt
Notes: Interest is deductible on only the first $1 million of acquisition debt
Notes: Interest is deductible on only the first $1 million of acquisition debt
Notes: Interest is deductible on only the first $1 million of acquisition debt
Notes: Interest is deductible on only the first $1 million of acquisition debt
Notes: Interest is deductible on only the first $1 million of acquisition debt
Notes: Interest is deductible on only the first $1 million of acquisition debt
Notes: Interest is deductible on only the first $1 million of acquisition debt
Notes: Interest is deductible on only the first $1 million of acquisition debt
Notes: Interest is deductible on only the first $1 million of acquisition debt
Notes: Interest is deductible on only the first $1 million of acquisition debt
Notes: Median in the range from 84-600 USD
Notes: Median in the range from 84-600 USD
Notes: Median of a range from 263-444 USD
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Median sale price of new single-family houses; National figure
Notes: Mortgage companies
Notes: Mortgage companies
Notes: Mortgage companies
Notes: Mortgage companies as % of total number of mortgage lenders
Notes: Mortgage companies as % of total number of mortgage lenders
Notes: Mortgage companies as % of total number of mortgage lenders
Notes: Mortgage companies as % of total number of mortgage lenders
Notes: Mortgage companies as % of total number of mortgage lenders
Notes: Mortgage companies as % of total number of mortgage lenders
Notes: Mortgage companies as % of total number of mortgage lenders
Notes: Mortgage companies as % of total number of mortgage lenders
Notes: Mortgage companies as % of total number of mortgage lenders
Notes: Mortgage companies as % of total number of mortgage lenders
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 figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure
Notes: National figure, but majority of public/social units are urban
Notes: National figure, but majority of public/social units are urban
Notes: National figure, but majority of public/social units are urban
Notes: National figure, but majority of public/social units are urban
Notes: National figure, but majority of public/social units are urban
Notes: National figure, but majority of public/social units are urban
Notes: National figure, but majority of public/social units are urban
Notes: National figure, but majority of public/social units are urban
Notes: National figure, but majority of public/social units are urban
Notes: National figure, but majority of public/social units are urban
Notes: National figure, but majority of public/social units are urban
Notes: National figure, but majority of public/social units are urban
Notes: National figure, but majority of public/social units are urban
Notes: National figure, but majority of public/social units are urban
Notes: National figure, but majority of public/social units are urban
Notes: National figure, but majority of public/social units are urban
Notes: National figure, but majority of public/social units are urban
Notes: National figure, but majority of public/social units are urban
Notes: National figure, but majority of public/social units are urban
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: 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 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: Number of institutions covered by the Home Mortgage Disclosure Act
Notes: Number of institutions covered by the Home Mortgage Disclosure Act
Notes: Number of institutions covered by the Home Mortgage Disclosure Act
Notes: Number of institutions covered by the Home Mortgage Disclosure Act
Notes: Number of institutions covered by the Home Mortgage Disclosure Act
Notes: Number of institutions covered by the Home Mortgage Disclosure Act
Notes: Number of institutions covered by the Home Mortgage Disclosure Act
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: Section 8
Notes: Sharp decrease likely due primarily to the increase in the closed-end reporting threshold that was implemented by the 2020 HMDA rule
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: This figure is for households in metropolitan areas as defined by the U.S. Census Bureau
Notes: this is the max debt-to-income ratio for a mortgage to be "qualified"
Notes: This is the maximum term of payment for a mortgage that can be considered qualified by the CFPB
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
Notes: weighted average prime rate by JP Morgan Chase, term undisclosed
Notes: weighted average prime rate by JP Morgan Chase, term undisclosed
Notes: weighted average prime rate by JP Morgan Chase, term undisclosed
Notes: weighted average prime rate by JP Morgan Chase, term undisclosed
Notes: weighted average prime rate by JP Morgan Chase, term undisclosed
Notes: yearly average from monthly CFPB data