Financial and Mortgage Market Graphs:
Note: some of the graphs below were captured from private web sites. However,
they present data that is in the public domain, and their reproduction here is believed
to te covered by the "fair use" doctrine. Some of the graphs are duplicative of others,
but have included because some users may prefer one presentation over another.
Total outstanding credit in US, 2004, by type of debt
Outstanding total mortgage debt 2004
Holders of all mortgage debt, 2004
Mortgage Rates:
Fixed and ARM Rates, 1997-2006
Fixed and ARM Rates, 1991-2004
Fixed-rate 30-year rates, 1976-2004
Fixed-rate Rates, 1950-2004
Spread between fixed and ARM rates narrows, Summer 2006
Treasury yields, 1-yr and 10-yr, 1998-2004
Mortgage Originations:
Originations drop as fewer refi's occur, 1990-2006
Refinancings - motivation, 1990-2006
Refinance index, 1993-2004
Originations by insured status, 2005
Loan-to-value distribution of home mortgages, 2004
Originations by amortization type, 2004
Quality of mortgages originated, 1998 & 2004
Market share of top ten originators, 1998-2002
Top ten originators, 2002
ARM Loans:
ARM Share of Residential Loan Originations, 1990-2006
ARM Share of Residential loans by economic cycle, 1990-2004
ARM Share rises with higher fixed rates, 1993-2006
Interest-only and negative-amortization ARMs growing, 2000-2005
Common ARM indexes, 1985-2004
Homeownership:
US Homeownership rate, 1987-2005
US Homeownership rate, 1980-2005
Household distribution by mortgage type
Home equity growth, 1990-2003
House prices & mortgage rates, 1976-2004
Defaults and Foreclosures:
Sub-prime, FHA/VA. and conventional default rates, 1998-2006
FHA/VA and conventional default rates, 1972-2003
Delinquency rates, ARM and Fixed-rate loans, 1992-2004
Mortgage Holders and Securitization:
Securitized share of single-family mortgages, 1980-2002
Holders of commercial and multifamily mortgages, 1993 and 2004
Purchasers of CMBS loans, 2003
Illustration of CMBS tranches