Accessible version of figures

Figure 1: FHA Share of Home Purchase Loans by Application Date

Week of	FHA Share
1-Jan-08	0.172
8-Jan-08	0.179
15-Jan-08	0.197
22-Jan-08	0.194
29-Jan-08	0.211
5-Feb-08	0.214
12-Feb-08	0.230
19-Feb-08	0.232
26-Feb-08	0.241
4-Mar-08	0.260
11-Mar-08	0.272
18-Mar-08	0.262
25-Mar-08	0.285
1-Apr-08	0.298
8-Apr-08	0.299
15-Apr-08	0.306
22-Apr-08	0.301
29-Apr-08	0.301
6-May-08	0.299
13-May-08	0.301
20-May-08	0.306
27-May-08	0.308
3-Jun-08	0.314
10-Jun-08	0.322
17-Jun-08	0.327
24-Jun-08	0.329
1-Jul-08	0.336
8-Jul-08	0.340
15-Jul-08	0.351
22-Jul-08	0.355
29-Jul-08	0.361
5-Aug-08	0.377
12-Aug-08	0.387
19-Aug-08	0.403
26-Aug-08	0.415
2-Sep-08	0.393
9-Sep-08	0.371
16-Sep-08	0.374
23-Sep-08	0.360
30-Sep-08	0.365
7-Oct-08	0.368
14-Oct-08	0.367
21-Oct-08	0.369
28-Oct-08	0.385
4-Nov-08	0.386
11-Nov-08	0.387
18-Nov-08	0.395
25-Nov-08	0.374
2-Dec-08	0.398
9-Dec-08	0.401
16-Dec-08	0.411
23-Dec-08	0.402
1-Jan-09	0.394
8-Jan-09	0.396
15-Jan-09	0.412
22-Jan-09	0.409
29-Jan-09	0.418
5-Feb-09	0.422
12-Feb-09	0.421
19-Feb-09	0.430
26-Feb-09	0.439
5-Mar-09	0.432
12-Mar-09	0.436
19-Mar-09	0.422
26-Mar-09	0.420
2-Apr-09	0.420
9-Apr-09	0.418
16-Apr-09	0.418
23-Apr-09	0.412
30-Apr-09	0.413
7-May-09	0.405
14-May-09	0.402
21-May-09	0.404
28-May-09	0.411
4-Jun-09	0.408
11-Jun-09	0.409
18-Jun-09	0.415
25-Jun-09	0.415
2-Jul-09	0.409
9-Jul-09	0.413
16-Jul-09	0.422
23-Jul-09	0.425
30-Jul-09	0.428
6-Aug-09	0.438
13-Aug-09	0.431
20-Aug-09	0.434
27-Aug-09	0.439
3-Sep-09	0.438
10-Sep-09	0.439
17-Sep-09	0.447
24-Sep-09	0.440
1-Oct-09	0.441
8-Oct-09	0.444
15-Oct-09	0.438
22-Oct-09	0.435
29-Oct-09	0.426
5-Nov-09	0.415
12-Nov-09	0.393
19-Nov-09	0.391
26-Nov-09	0.397
3-Dec-09	0.412
10-Dec-09	0.414
17-Dec-09	0.411
24-Dec-09	0.419
1-Jan-10	0.423
8-Jan-10	0.421
15-Jan-10	0.431
22-Jan-10	0.433
29-Jan-10	0.440
5-Feb-10	0.440
12-Feb-10	0.442
19-Feb-10	0.442
26-Feb-10	0.436
5-Mar-10	0.442
12-Mar-10	0.434
19-Mar-10	0.438
26-Mar-10	0.458
2-Apr-10	0.434
9-Apr-10	0.434
16-Apr-10	0.445
23-Apr-10	0.445
30-Apr-10	0.438
7-May-10	0.412
14-May-10	0.404
21-May-10	0.396
28-May-10	0.397
4-Jun-10	0.394
11-Jun-10	0.392
18-Jun-10	0.389
25-Jun-10	0.393
2-Jul-10	0.388
9-Jul-10	0.391
16-Jul-10	0.392
23-Jul-10	0.396
30-Jul-10	0.395
6-Aug-10	0.394
13-Aug-10	0.397
20-Aug-10	0.397
27-Aug-10	0.397
3-Sep-10	0.391
10-Sep-10	0.393
17-Sep-10	0.393
24-Sep-10	0.408
1-Oct-10	0.379
8-Oct-10	0.366
15-Oct-10	0.364
22-Oct-10	0.366
29-Oct-10	0.365
5-Nov-10	0.373
12-Nov-10	0.363
19-Nov-10	0.365
26-Nov-10	0.372
3-Dec-10	0.370
10-Dec-10	0.373
17-Dec-10	0.365
24-Dec-10	0.379
1-Jan-11	0.377
8-Jan-11	0.381
15-Jan-11	0.380
22-Jan-11	0.383
29-Jan-11	0.388
5-Feb-11	0.393
12-Feb-11	0.396
19-Feb-11	0.388
26-Feb-11	0.391
5-Mar-11	0.385
12-Mar-11	0.382
19-Mar-11	0.386
26-Mar-11	0.399
2-Apr-11	0.380
9-Apr-11	0.400
16-Apr-11	0.329
23-Apr-11	0.338
30-Apr-11	0.339
7-May-11	0.340
14-May-11	0.339
21-May-11	0.338
28-May-11	0.333
4-Jun-11	0.335
11-Jun-11	0.334
18-Jun-11	0.337
25-Jun-11	0.339
2-Jul-11	0.338
9-Jul-11	0.337
16-Jul-11	0.336
23-Jul-11	0.333
30-Jul-11	0.337
6-Aug-11	0.340
13-Aug-11	0.340
20-Aug-11	0.347
27-Aug-11	0.348
3-Sep-11	0.346
10-Sep-11	0.351
17-Sep-11	0.349
24-Sep-11	0.351
1-Oct-11	0.348
8-Oct-11	0.356
15-Oct-11	0.349
22-Oct-11	0.348
29-Oct-11	0.343
5-Nov-11	0.355
12-Nov-11	0.346
19-Nov-11	0.338
26-Nov-11	0.353
3-Dec-11	0.353
10-Dec-11	0.347
17-Dec-11	0.345
24-Dec-11	0.354
1-Jan-12	0.349
8-Jan-12	0.349
15-Jan-12	0.348
22-Jan-12	0.346
29-Jan-12	0.346
5-Feb-12	0.348
12-Feb-12	0.343
19-Feb-12	0.343
26-Feb-12	0.341
4-Mar-12	0.342
11-Mar-12	0.334
18-Mar-12	0.337
25-Mar-12	0.351
1-Apr-12	0.345
8-Apr-12	0.272
15-Apr-12	0.284
22-Apr-12	0.286
29-Apr-12	0.287
6-May-12	0.288
13-May-12	0.284
20-May-12	0.284
27-May-12	0.284
3-Jun-12	0.285
10-Jun-12	0.285
17-Jun-12	0.283
24-Jun-12	0.284
1-Jul-12	0.283
8-Jul-12	0.283
15-Jul-12	0.287
22-Jul-12	0.281
29-Jul-12	0.289
5-Aug-12	0.286
12-Aug-12	0.287
19-Aug-12	0.286
26-Aug-12	0.286
2-Sep-12	0.290
9-Sep-12	0.287
16-Sep-12	0.284
23-Sep-12	0.284
30-Sep-12	0.287
7-Oct-12	0.287
14-Oct-12	0.285
21-Oct-12	0.284
28-Oct-12	0.283
4-Nov-12	0.280
11-Nov-12	0.284
18-Nov-12	0.276
25-Nov-12	0.286
2-Dec-12	0.285
9-Dec-12	0.282
16-Dec-12	0.282
23-Dec-12	0.282
1-Jan-13	0.278
8-Jan-13	0.276
15-Jan-13	0.276
22-Jan-13	0.264
29-Jan-13	0.271
5-Feb-13	0.270
12-Feb-13	0.276
19-Feb-13	0.268
26-Feb-13	0.265
5-Mar-13	0.270
12-Mar-13	0.265
19-Mar-13	0.271
26-Mar-13	0.281
2-Apr-13	0.219
9-Apr-13	0.226
16-Apr-13	0.226
23-Apr-13	0.228
30-Apr-13	0.225
7-May-13	0.226
14-May-13	0.226
21-May-13	0.229
28-May-13	0.233
4-Jun-13	0.200
11-Jun-13	0.204
18-Jun-13	0.199
25-Jun-13	0.203
2-Jul-13	0.201
9-Jul-13	0.210
16-Jul-13	0.211
23-Jul-13	0.212
30-Jul-13	0.212
6-Aug-13	0.214
13-Aug-13	0.214
20-Aug-13	0.214
27-Aug-13	0.215
3-Sep-13	0.215
10-Sep-13	0.220
17-Sep-13	0.217
24-Sep-13	0.219
1-Oct-13	0.217
8-Oct-13	0.232
15-Oct-13	0.215
22-Oct-13	0.221
29-Oct-13	0.220
5-Nov-13	0.228
12-Nov-13	0.215
19-Nov-13	0.228
26-Nov-13	0.222
3-Dec-13	0.229
10-Dec-13	0.226
17-Dec-13	0.228
24-Dec-13	0.227
1-Jan-14	0.218
8-Jan-14	0.213
15-Jan-14	0.218
22-Jan-14	0.212
29-Jan-14	0.216
5-Feb-14	0.224
12-Feb-14	0.226
19-Feb-14	0.223
26-Feb-14	0.224
5-Mar-14	0.226
12-Mar-14	0.221
19-Mar-14	0.222
26-Mar-14	0.216
2-Apr-14	0.215
9-Apr-14	0.209
16-Apr-14	0.211
23-Apr-14	0.207
30-Apr-14	0.209
7-May-14	0.206
14-May-14	0.204
21-May-14	0.204
28-May-14	0.205
4-Jun-14	0.208
11-Jun-14	0.209
18-Jun-14	0.209
25-Jun-14	0.205
2-Jul-14	0.208
9-Jul-14	0.205
16-Jul-14	0.206
23-Jul-14	0.207
30-Jul-14	0.213
6-Aug-14	0.209
13-Aug-14	0.209
20-Aug-14	0.209
27-Aug-14	0.206
3-Sep-14	0.212
10-Sep-14	0.215
17-Sep-14	0.215
24-Sep-14	0.216
1-Oct-14	0.216
8-Oct-14	0.216
15-Oct-14	0.212
22-Oct-14	0.216
29-Oct-14	0.221
5-Nov-14	0.227
12-Nov-14	0.214
19-Nov-14	0.218
26-Nov-14	0.214
3-Dec-14	0.227
10-Dec-14	0.221
17-Dec-14	0.217
24-Dec-14	0.217
1-Jan-15	0.216
8-Jan-15	0.217
15-Jan-15	0.235
22-Jan-15	0.251
29-Jan-15	0.259
5-Feb-15	0.261
12-Feb-15	0.268
19-Feb-15	0.270
26-Feb-15	0.270
5-Mar-15	0.273
12-Mar-15	0.267
19-Mar-15	0.261
26-Mar-15	0.260
2-Apr-15	0.261
9-Apr-15	0.254
16-Apr-15	0.258
23-Apr-15	0.257
30-Apr-15	0.256
7-May-15	0.254
14-May-15	0.254
21-May-15	0.256
28-May-15	0.256
4-Jun-15	0.255
11-Jun-15	0.254
18-Jun-15	0.256
25-Jun-15	0.262
2-Jul-15	0.257
9-Jul-15	0.263
16-Jul-15	0.261
23-Jul-15	0.260
30-Jul-15	0.264
6-Aug-15	0.263
13-Aug-15	0.261
20-Aug-15	0.264
27-Aug-15	0.264
3-Sep-15	0.266
10-Sep-15	0.267
17-Sep-15	0.256
24-Sep-15	0.262
1-Oct-15	0.254
8-Oct-15	0.257
15-Oct-15	0.254
22-Oct-15	0.255

Note: Solid vertical lines mark dates of FHA MIP changes referenced in Table 1. The dashed vertical line marks the extension of annual insurance premiums over the life of the loan.

Source: Data reported under HMDA.

Return to text.

---

Figure 2: Treatment Group Share of Home Purchase Loans by Date of Rate Lock

Week of	Treatment Group Share
19-Mar-14	0.192
26-Mar-14	0.185
2-Apr-14	0.181
9-Apr-14	0.175
16-Apr-14	0.183
23-Apr-14	0.179
30-Apr-14	0.178
7-May-14	0.179
14-May-14	0.177
21-May-14	0.184
28-May-14	0.174
4-Jun-14	0.183
11-Jun-14	0.182
18-Jun-14	0.175
25-Jun-14	0.170
2-Jul-14	0.182
9-Jul-14	0.181
16-Jul-14	0.183
23-Jul-14	0.177
30-Jul-14	0.179
6-Aug-14	0.183
13-Aug-14	0.181
20-Aug-14	0.188
27-Aug-14	0.175
3-Sep-14	0.189
10-Sep-14	0.189
17-Sep-14	0.182
24-Sep-14	0.189
1-Oct-14	0.181
8-Oct-14	0.176
15-Oct-14	0.183
22-Oct-14	0.187
29-Oct-14	0.188
5-Nov-14	0.186
12-Nov-14	0.179
19-Nov-14	0.189
26-Nov-14	0.174
3-Dec-14	0.196
10-Dec-14	0.185
17-Dec-14	0.189
24-Dec-14	0.187
1-Jan-15	0.176
8-Jan-15	0.166
15-Jan-15	0.178
22-Jan-15	0.186
29-Jan-15	0.187
5-Feb-15	0.205
12-Feb-15	0.200
19-Feb-15	0.206
26-Feb-15	0.201
5-Mar-15	0.203
12-Mar-15	0.197
19-Mar-15	0.197
26-Mar-15	0.198
2-Apr-15	0.191
9-Apr-15	0.199
16-Apr-15	0.193
23-Apr-15	0.197
30-Apr-15	0.194
7-May-15	0.194
14-May-15	0.190
21-May-15	0.192
28-May-15	0.184
4-Jun-15	0.194
11-Jun-15	0.190
18-Jun-15	0.195
25-Jun-15	0.190
2-Jul-15	0.194
9-Jul-15	0.199
16-Jul-15	0.190
23-Jul-15	0.193
30-Jul-15	0.195
6-Aug-15	0.199
13-Aug-15	0.205
20-Aug-15	0.202
27-Aug-15	0.205
3-Sep-15	0.204
10-Sep-15	0.200
17-Sep-15	0.209
24-Sep-15	0.208
1-Oct-15	0.195
8-Oct-15	0.198
15-Oct-15	0.196
22-Oct-15	0.197

Note: The vertical line marks January 26, 2015, the date of the decrease in annual FHA MIP referenced in Table 1. Estimated curve of best fit overlaid on weekly data.

Source: Optimal Blue.

Return to text.

---