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Figure 1

Notes: Each data point represents weekly averages based on loan application date relative to January 10, 2014; lines of best fit and 95% confidence intervals are shown on either side of the date threshold. Charts on left show results for small creditors, which are depository institutions with less than $2 billion in assets and fewer than 500 originations in 2013; charts on right show results for all other lenders. Higher-priced loans are those with an APR at least 1.5 percentage points over prime; high DTI loans are those with an estimated front-end DTI over 28%.

Lender size	Week since Jan 10	Conventional higher-priced share of loans	Conventional high-DTI share of loans	Denied fraction of applications
Small	-6	0.14	0.047	0.186
Small	-5	0.13	0.052	0.191
Small	-4	0.129	0.054	0.191
Small	-3	0.128	0.04	0.181
Small	-2	0.128	0.046	0.189
Small	-1	0.145	0.046	0.19
Small	0	0.102	0.043	0.205
Small	1	0.111	0.04	0.212
Small	2	0.105	0.045	0.205
Small	3	0.116	0.041	0.21
Small	4	0.104	0.043	0.201
Small	5	0.111	0.043	0.215
Other	-6	0.025	0.083	0.333
Other	-5	0.025	0.085	0.337
Other	-4	0.025	0.089	0.345
Other	-3	0.021	0.08	0.34
Other	-2	0.023	0.073	0.355
Other	-1	0.025	0.076	0.354
Other	0	0.016	0.071	0.347
Other	1	0.015	0.073	0.348
Other	2	0.015	0.071	0.331
Other	3	0.015	0.077	0.32
Other	4	0.015	0.075	0.316
Other	5	0.017	0.072	0.331

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Figure 2

Notes: Each data point represents weekly averages based on loan application date relative to January 10, 2014; lines of best fit and 95% confidence intervals are shown on either side of the date threshold. Charts on left show results for small creditors, which are depository institutions with less than $2 billion in assets and fewer than 500 originations in 2013; charts on right show results for all other lenders. Higher-priced loans are those with an APR at least 1.5 percentage points over prime; high DTI loans are those with an estimated front-end DTI over 28%.

Lender size	Week since Jan 10	Conventional higher-priced share of loans	Conventional high-DTI share of loans	Denied fraction of applications
Small	-6	0.139	0.042	0.17
Small	-5	0.155	0.039	0.162
Small	-4	0.136	0.044	0.16
Small	-3	0.138	0.042	0.146
Small	-2	0.152	0.034	0.19
Small	-1	0.147	0.036	0.168
Small	0	0.134	0.033	0.195
Small	1	0.123	0.033	0.183
Small	2	0.125	0.033	0.199
Small	3	0.136	0.035	0.188
Small	4	0.136	0.036	0.2
Small	5	0.142	0.03	0.187
Other	-6	0.026	0.046	0.17
Other	-5	0.025	0.048	0.175
Other	-4	0.025	0.047	0.174
Other	-3	0.026	0.046	0.171
Other	-2	0.027	0.04	0.183
Other	-1	0.029	0.041	0.173
Other	0	0.027	0.039	0.181
Other	1	0.029	0.036	0.177
Other	2	0.025	0.04	0.167
Other	3	0.027	0.04	0.17
Other	4	0.028	0.04	0.17
Other	5	0.031	0.039	0.176

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Figure 3

Notes: Each data point shows the number of originations within bins of 5 basis points. For the 2014 graph, loans are restricted to those with application dates on or after January 10. Lines of best and 95% confidence intervals are shown on either side of the 350 basis point threshold.

Year	APR spread over prime	Count of loans
2013	3.02	536
	3.07	541
	3.12	603
	3.17	560
	3.22	530
	3.27	494
	3.32	452
	3.37	463
	3.42	421
	3.47	415
	3.52	406
	3.57	361
	3.62	421
	3.67	387
	3.72	373
	3.77	329
	3.82	311
	3.87	350
	3.92	303
	3.97	279
2014	3.02	531
	3.07	523
	3.12	480
	3.17	504
	3.22	470
	3.27	463
	3.32	489
	3.37	442
	3.42	490
	3.47	473
	3.52	342
	3.57	342
	3.62	262
	3.67	280
	3.72	284
	3.77	254
	3.82	257
	3.87	226
	3.92	207
	3.97	197

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