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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.


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