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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.