Community Development Publications

Consumer Credit Trends for Texas

Consumer Credit Trends for Texas

Appendix

Table A.1
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.