Community Development Publications
Consumer Credit Trends for Texas
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Consumer Credit Trends for Texas
Appendix
Table A.1
Total Loan Volume by Risk Score
Total Loan Volume by Risk Score
Second Quarter 2006 (2018 dollars)
Percent of all borrowers* | Mortgage loan volume (percent) | Credit card loan volume (percent) | Auto loan volume (percent) | Student loan volume (percent) | |
($408.4 billion) | ($71 billion) | ($93.5 billion) | ($36.5 billion) | ||
Prime | 49 | 67 | 53 | 46 | 33 |
Near prime | 16 | 14 | 20 | 20 | 20 |
Subprime | 17 | 11 | 14 | 19 | 21 |
Deep subprime | 18 | 8 | 13 | 16 | 26 |
Second Quarter 2018
($542 billion) | ($67 billion) | ($141 billion) | ($105 billion) | ||
Prime | 56 | 81 | 64 | 53 | 37 |
Near prime | 16 | 10 | 18 | 18 | 19 |
Subprime | 14 | 5 | 10 | 15 | 19 |
Deep subprime | 14 | 4 | 9 | 14 | 25 |
*Only counts adult Texans with an active balance on a mortgage, student, auto or credit card loan. It does not include Texans with other types of loans. SOURCES: Federal Reserve Bank of New York Consumer Credit Panel/Equifax; author’s calculations. |