Finance and Economics Discussion Series: Data for paper 2010-59
♣
Foreclosure's Wake: The Credit Experiences of Individuals Following Foreclosure
Kenneth P. Brevoort and Cheryl R. Cooper
Figure 1: Foreclosure Starts by Quarter
| Year, Quarter |
National Delinquency Survey Foreclosure Starts |
Number of Prime Borrowers Entering Foreclosure |
Number of Subprime Borrowers Entering Foreclosure |
| 2000: 1 |
100010 |
357 |
3787 |
| 2000: 2 |
88181 |
316 |
2908 |
| 2000: 3 |
126139 |
321 |
2780 |
| 2000: 4 |
131197 |
402 |
3520 |
| 2001: 1 |
124877 |
418 |
3627 |
| 2001: 2 |
146846 |
396 |
3606 |
| 2001: 3 |
149204 |
459 |
3920 |
| 2001: 4 |
153024 |
457 |
4228 |
| 2002: 1 |
147214 |
752 |
7021 |
| 2002: 2 |
165234 |
538 |
4401 |
| 2002: 3 |
150203 |
573 |
4784 |
| 2002: 4 |
141956 |
609 |
5407 |
| 2003: 1 |
138337 |
707 |
5969 |
| 2003: 2 |
121555 |
649 |
5294 |
| 2003: 3 |
156197 |
660 |
5798 |
| 2003: 4 |
171273 |
755 |
6659 |
| 2004: 1 |
174981 |
862 |
6682 |
| 2004: 2 |
149489 |
807 |
6169 |
| 2004: 3 |
162606 |
769 |
6175 |
| 2004: 4 |
180810 |
898 |
6784 |
| 2005: 1 |
165603 |
878 |
6351 |
| 2005: 2 |
151470 |
867 |
5439 |
| 2005: 3 |
166829 |
806 |
5924 |
| 2005: 4 |
173185 |
898 |
6118 |
| 2006: 1 |
173579 |
980 |
6203 |
| 2006: 2 |
170001 |
1017 |
6519 |
| 2006: 3 |
200223 |
1164 |
7067 |
| 2006: 4 |
247846 |
1329 |
8372 |
| 2007: 1 |
258981 |
2066 |
9761 |
| 2007: 2 |
261063 |
2093 |
8975 |
| 2007: 3 |
354254 |
3018 |
11800 |
| 2007: 4 |
404693 |
3634 |
12272 |
| 2008: 1 |
456768 |
5376 |
14384 |
| 2008: 2 |
490563 |
6845 |
14203 |
| 2008: 3 |
486577 |
7303 |
13577 |
| 2008: 4 |
490279 |
6561 |
13749 |
| 2009: 1 |
616222 |
9655 |
14577 |
| 2009: 2 |
608209 |
11630 |
15752 |
| 2009: 3 |
633969 |
10365 |
12980 |
| 2009: 4 |
533115 |
9511 |
13232 |
| 2010: 1 |
519047 |
9288 |
13026 |
Figure 2: Foreclosure Period Credit Scores by Pre-Delinquency Credit Score, with 95% Confidence Interval
| Pre-delinquency Credit Score |
Foreclosure Period Credit Score |
95% Confidence Interval Lower Bound |
95% Confidence Interval Upper Bound |
| 363.00 |
0.00 |
0.00 |
0.00 |
| 364.00 |
0.00 |
0.00 |
0.00 |
| 365.00 |
0.00 |
0.00 |
0.00 |
| 366.00 |
0.00 |
0.00 |
0.00 |
| 367.00 |
0.00 |
0.00 |
0.00 |
| 368.00 |
0.00 |
0.00 |
0.00 |
| 369.00 |
0.00 |
0.00 |
0.00 |
| 370.00 |
0.00 |
0.00 |
0.00 |
| 371.00 |
0.00 |
0.00 |
0.00 |
| 372.00 |
0.00 |
0.00 |
0.00 |
| 373.00 |
0.00 |
0.00 |
0.00 |
| 374.00 |
0.00 |
0.00 |
0.00 |
| 375.00 |
0.00 |
0.00 |
0.00 |
| 376.00 |
0.00 |
0.00 |
0.00 |
| 377.00 |
0.00 |
0.00 |
0.00 |
| 378.00 |
0.00 |
0.00 |
0.00 |
| 379.00 |
0.00 |
0.00 |
0.00 |
| 380.00 |
0.00 |
0.00 |
0.00 |
| 381.00 |
0.00 |
0.00 |
0.00 |
| 382.00 |
0.00 |
0.00 |
0.00 |
| 383.00 |
0.00 |
0.00 |
0.00 |
| 384.00 |
0.00 |
0.00 |
0.00 |
| 385.00 |
0.00 |
0.00 |
0.00 |
| 386.00 |
0.00 |
0.00 |
0.00 |
| 387.00 |
0.00 |
0.00 |
0.00 |
| 388.00 |
0.00 |
0.00 |
0.00 |
| 389.00 |
0.00 |
0.00 |
0.00 |
| 390.00 |
0.00 |
0.00 |
0.00 |
| 391.00 |
0.00 |
0.00 |
0.00 |
| 392.00 |
0.00 |
0.00 |
0.00 |
| 393.00 |
0.00 |
0.00 |
0.00 |
| 394.00 |
0.00 |
0.00 |
0.00 |
| 395.00 |
0.00 |
0.00 |
0.00 |
| 396.00 |
0.00 |
0.00 |
0.00 |
| 397.00 |
0.00 |
0.00 |
0.00 |
| 398.00 |
0.00 |
0.00 |
0.00 |
| 399.00 |
0.00 |
0.00 |
0.00 |
| 400.00 |
0.00 |
0.00 |
0.00 |
| 401.00 |
0.00 |
0.00 |
0.00 |
| 402.00 |
0.00 |
0.00 |
0.00 |
| 403.00 |
0.00 |
0.00 |
0.00 |
| 404.00 |
0.00 |
0.00 |
0.00 |
| 405.00 |
0.00 |
0.00 |
0.00 |
| 406.00 |
0.00 |
0.00 |
0.00 |
| 407.00 |
0.00 |
0.00 |
0.00 |
| 408.00 |
0.00 |
0.00 |
0.00 |
| 409.00 |
0.00 |
0.00 |
0.00 |
| 410.00 |
0.00 |
0.00 |
0.00 |
| 411.00 |
0.00 |
0.00 |
0.00 |
| 412.00 |
0.00 |
0.00 |
0.00 |
| 413.00 |
0.00 |
0.00 |
0.00 |
| 414.00 |
0.00 |
0.00 |
0.00 |
| 415.00 |
0.00 |
0.00 |
0.00 |
| 416.00 |
0.00 |
0.00 |
0.00 |
| 417.00 |
0.00 |
0.00 |
0.00 |
| 418.00 |
0.00 |
0.00 |
0.00 |
| 419.00 |
0.00 |
0.00 |
0.00 |
| 420.00 |
0.00 |
0.00 |
0.00 |
| 421.00 |
0.00 |
0.00 |
0.00 |
| 422.00 |
0.00 |
0.00 |
0.00 |
| 423.00 |
0.00 |
0.00 |
0.00 |
| 424.00 |
0.00 |
0.00 |
0.00 |
| 425.00 |
0.00 |
0.00 |
0.00 |
| 426.00 |
0.00 |
0.00 |
0.00 |
| 427.00 |
0.00 |
0.00 |
0.00 |
| 428.00 |
0.00 |
0.00 |
0.00 |
| 429.00 |
0.00 |
0.00 |
0.00 |
| 430.00 |
0.00 |
0.00 |
0.00 |
| 431.00 |
0.00 |
0.00 |
0.00 |
| 432.00 |
0.00 |
0.00 |
0.00 |
| 433.00 |
0.00 |
0.00 |
0.00 |
| 434.00 |
0.00 |
0.00 |
0.00 |
| 435.00 |
0.00 |
0.00 |
0.00 |
| 436.00 |
0.00 |
0.00 |
0.00 |
| 437.00 |
0.00 |
0.00 |
0.00 |
| 438.00 |
0.00 |
0.00 |
0.00 |
| 439.00 |
0.00 |
0.00 |
0.00 |
| 440.00 |
0.00 |
0.00 |
0.00 |
| 441.00 |
0.00 |
0.00 |
0.00 |
| 442.00 |
0.00 |
0.00 |
0.00 |
| 443.00 |
0.00 |
0.00 |
0.00 |
| 444.00 |
0.00 |
0.00 |
0.00 |
| 445.00 |
0.00 |
0.00 |
0.00 |
| 446.00 |
0.00 |
0.00 |
0.00 |
| 447.00 |
0.00 |
0.00 |
0.00 |
| 448.00 |
0.00 |
0.00 |
0.00 |
| 449.00 |
0.00 |
0.00 |
0.00 |
| 450.00 |
0.00 |
0.00 |
0.00 |
| 451.00 |
0.00 |
0.00 |
0.00 |
| 452.00 |
0.00 |
0.00 |
0.00 |
| 453.00 |
0.00 |
0.00 |
0.00 |
| 454.00 |
0.00 |
0.00 |
0.00 |
| 455.00 |
0.00 |
0.00 |
0.00 |
| 456.00 |
0.00 |
0.00 |
0.00 |
| 457.00 |
0.00 |
0.00 |
0.00 |
| 458.00 |
0.00 |
0.00 |
0.00 |
| 459.00 |
0.00 |
0.00 |
0.00 |
| 460.00 |
0.00 |
0.00 |
0.00 |
| 461.00 |
0.00 |
0.00 |
0.00 |
| 462.00 |
0.00 |
0.00 |
0.00 |
| 463.00 |
0.00 |
0.00 |
0.00 |
| 464.00 |
0.00 |
0.00 |
0.00 |
| 465.00 |
0.00 |
0.00 |
0.00 |
| 466.00 |
0.00 |
0.00 |
0.00 |
| 467.00 |
0.00 |
0.00 |
0.00 |
| 468.00 |
0.00 |
0.00 |
0.00 |
| 469.00 |
0.00 |
0.00 |
0.00 |
| 470.00 |
0.00 |
0.00 |
0.00 |
| 471.00 |
0.00 |
0.00 |
0.00 |
| 472.00 |
0.00 |
0.00 |
0.00 |
| 473.00 |
0.00 |
0.00 |
0.00 |
| 474.00 |
0.00 |
0.00 |
0.00 |
| 475.00 |
0.00 |
0.00 |
0.00 |
| 476.00 |
0.00 |
0.00 |
0.00 |
| 477.00 |
0.00 |
0.00 |
0.00 |
| 478.00 |
0.00 |
0.00 |
0.00 |
| 479.00 |
0.00 |
0.00 |
0.00 |
| 480.00 |
0.00 |
0.00 |
0.00 |
| 481.00 |
0.00 |
0.00 |
0.00 |
| 482.00 |
0.00 |
0.00 |
0.00 |
| 483.00 |
0.00 |
0.00 |
0.00 |
| 484.00 |
0.00 |
0.00 |
0.00 |
| 485.00 |
0.00 |
0.00 |
0.00 |
| 486.00 |
0.00 |
0.00 |
0.00 |
| 487.00 |
0.00 |
0.00 |
0.00 |
| 488.00 |
0.00 |
0.00 |
0.00 |
| 489.00 |
0.00 |
0.00 |
0.00 |
| 490.00 |
0.00 |
0.00 |
0.00 |
| 491.00 |
0.00 |
0.00 |
0.00 |
| 492.00 |
0.00 |
0.00 |
0.00 |
| 493.00 |
0.00 |
0.00 |
0.00 |
| 494.00 |
0.00 |
0.00 |
0.00 |
| 495.00 |
0.00 |
0.00 |
0.00 |
| 496.00 |
0.00 |
0.00 |
0.00 |
| 497.00 |
0.00 |
-0.00 |
0.00 |
| 498.00 |
0.00 |
-0.01 |
0.01 |
| 499.00 |
0.00 |
-0.01 |
0.01 |
| 500.00 |
0.00 |
-0.01 |
0.01 |
| 501.00 |
0.00 |
-0.01 |
0.01 |
| 502.00 |
0.00 |
-0.01 |
0.02 |
| 503.00 |
0.00 |
-0.01 |
0.02 |
| 504.00 |
0.01 |
-0.01 |
0.02 |
| 505.00 |
0.01 |
-0.01 |
0.02 |
| 506.00 |
0.01 |
-0.01 |
0.02 |
| 507.00 |
0.01 |
-0.01 |
0.03 |
| 508.00 |
0.01 |
-0.00 |
0.03 |
| 509.00 |
0.01 |
-0.00 |
0.03 |
| 510.00 |
0.01 |
-0.00 |
0.03 |
| 511.00 |
0.01 |
-0.00 |
0.02 |
| 512.00 |
0.01 |
-0.01 |
0.02 |
| 513.00 |
0.01 |
-0.01 |
0.02 |
| 514.00 |
0.01 |
-0.01 |
0.02 |
| 515.00 |
0.00 |
-0.01 |
0.02 |
| 516.00 |
0.00 |
-0.01 |
0.01 |
| 517.00 |
0.00 |
-0.01 |
0.01 |
| 518.00 |
0.00 |
-0.01 |
0.01 |
| 519.00 |
0.00 |
-0.01 |
0.01 |
| 520.00 |
0.00 |
-0.01 |
0.01 |
| 521.00 |
0.00 |
-0.00 |
0.00 |
| 522.00 |
0.00 |
-0.01 |
0.01 |
| 523.00 |
0.00 |
-0.01 |
0.01 |
| 524.00 |
0.00 |
-0.01 |
0.01 |
| 525.00 |
0.00 |
-0.01 |
0.01 |
| 526.00 |
0.00 |
-0.01 |
0.01 |
| 527.00 |
0.00 |
-0.01 |
0.02 |
| 528.00 |
0.01 |
-0.01 |
0.02 |
| 529.00 |
0.01 |
-0.01 |
0.02 |
| 530.00 |
0.01 |
-0.00 |
0.02 |
| 531.00 |
0.01 |
-0.00 |
0.02 |
| 532.00 |
0.01 |
-0.00 |
0.02 |
| 533.00 |
0.01 |
-0.00 |
0.02 |
| 534.00 |
0.01 |
-0.00 |
0.02 |
| 535.00 |
0.01 |
-0.00 |
0.02 |
| 536.00 |
0.01 |
-0.00 |
0.02 |
| 537.00 |
0.01 |
-0.00 |
0.02 |
| 538.00 |
0.01 |
-0.01 |
0.02 |
| 539.00 |
0.00 |
-0.01 |
0.01 |
| 540.00 |
0.00 |
-0.01 |
0.01 |
| 541.00 |
0.00 |
-0.01 |
0.01 |
| 542.00 |
0.00 |
-0.01 |
0.01 |
| 543.00 |
0.00 |
-0.01 |
0.01 |
| 544.00 |
0.00 |
-0.00 |
0.00 |
| 545.00 |
0.00 |
-0.00 |
0.00 |
| 546.00 |
0.00 |
0.00 |
0.00 |
| 547.00 |
0.00 |
0.00 |
0.00 |
| 548.00 |
0.00 |
0.00 |
0.00 |
| 549.00 |
0.00 |
0.00 |
0.00 |
| 550.00 |
0.00 |
0.00 |
0.00 |
| 551.00 |
0.00 |
0.00 |
0.00 |
| 552.00 |
0.00 |
0.00 |
0.00 |
| 553.00 |
0.00 |
0.00 |
0.00 |
| 554.00 |
0.00 |
0.00 |
0.00 |
| 555.00 |
0.00 |
0.00 |
0.00 |
| 556.00 |
0.00 |
0.00 |
0.00 |
| 557.00 |
0.00 |
0.00 |
0.00 |
| 558.00 |
0.00 |
0.00 |
0.00 |
| 559.00 |
0.00 |
0.00 |
0.00 |
| 560.00 |
0.00 |
0.00 |
0.00 |
| 561.00 |
0.00 |
0.00 |
0.00 |
| 562.00 |
0.00 |
0.00 |
0.00 |
| 563.00 |
0.00 |
0.00 |
0.00 |
| 564.00 |
0.00 |
0.00 |
0.00 |
| 565.00 |
0.00 |
0.00 |
0.00 |
| 566.00 |
0.00 |
0.00 |
0.00 |
| 567.00 |
0.00 |
0.00 |
0.00 |
| 568.00 |
0.00 |
0.00 |
0.00 |
| 569.00 |
0.00 |
0.00 |
0.00 |
| 570.00 |
0.00 |
-0.00 |
0.00 |
| 571.00 |
0.00 |
-0.00 |
0.00 |
| 572.00 |
0.00 |
-0.01 |
0.01 |
| 573.00 |
0.00 |
-0.01 |
0.01 |
| 574.00 |
0.00 |
-0.01 |
0.01 |
| 575.00 |
0.00 |
-0.01 |
0.01 |
| 576.00 |
0.00 |
-0.01 |
0.01 |
| 577.00 |
0.00 |
-0.01 |
0.01 |
| 578.00 |
0.00 |
-0.01 |
0.01 |
| 579.00 |
0.01 |
-0.01 |
0.02 |
| 580.00 |
0.01 |
-0.00 |
0.02 |
| 581.00 |
0.01 |
-0.00 |
0.02 |
| 582.00 |
0.01 |
-0.00 |
0.02 |
| 583.00 |
0.01 |
-0.00 |
0.02 |
| 584.00 |
0.01 |
-0.00 |
0.02 |
| 585.00 |
0.01 |
-0.00 |
0.02 |
| 586.00 |
0.01 |
-0.00 |
0.02 |
| 587.00 |
0.01 |
-0.00 |
0.02 |
| 588.00 |
0.01 |
-0.00 |
0.02 |
| 589.00 |
0.01 |
-0.00 |
0.02 |
| 590.00 |
0.01 |
-0.00 |
0.02 |
| 591.00 |
0.01 |
-0.00 |
0.02 |
| 592.00 |
0.01 |
-0.00 |
0.02 |
| 593.00 |
0.01 |
-0.01 |
0.02 |
| 594.00 |
0.01 |
-0.01 |
0.02 |
| 595.00 |
0.01 |
-0.01 |
0.02 |
| 596.00 |
0.01 |
-0.00 |
0.02 |
| 597.00 |
0.01 |
-0.00 |
0.03 |
| 598.00 |
0.01 |
-0.00 |
0.03 |
| 599.00 |
0.01 |
-0.00 |
0.03 |
| 600.00 |
0.02 |
-0.00 |
0.03 |
| 601.00 |
0.02 |
-0.00 |
0.03 |
| 602.00 |
0.02 |
-0.00 |
0.03 |
| 603.00 |
0.02 |
0.00 |
0.04 |
| 604.00 |
0.02 |
0.00 |
0.04 |
| 605.00 |
0.02 |
0.00 |
0.04 |
| 606.00 |
0.02 |
0.00 |
0.04 |
| 607.00 |
0.02 |
0.00 |
0.04 |
| 608.00 |
0.02 |
0.00 |
0.04 |
| 609.00 |
0.02 |
0.00 |
0.04 |
| 610.00 |
0.02 |
-0.00 |
0.04 |
| 611.00 |
0.02 |
-0.00 |
0.04 |
| 612.00 |
0.02 |
0.00 |
0.05 |
| 613.00 |
0.03 |
0.00 |
0.05 |
| 614.00 |
0.03 |
0.00 |
0.05 |
| 615.00 |
0.03 |
0.01 |
0.05 |
| 616.00 |
0.03 |
0.01 |
0.05 |
| 617.00 |
0.03 |
0.01 |
0.05 |
| 618.00 |
0.03 |
0.01 |
0.05 |
| 619.00 |
0.03 |
0.01 |
0.05 |
| 620.00 |
0.02 |
0.00 |
0.05 |
| 621.00 |
0.02 |
0.00 |
0.05 |
| 622.00 |
0.02 |
0.00 |
0.04 |
| 623.00 |
0.02 |
0.00 |
0.04 |
| 624.00 |
0.02 |
-0.00 |
0.04 |
| 625.00 |
0.02 |
-0.00 |
0.04 |
| 626.00 |
0.02 |
-0.00 |
0.04 |
| 627.00 |
0.02 |
-0.00 |
0.04 |
| 628.00 |
0.02 |
-0.00 |
0.04 |
| 629.00 |
0.02 |
-0.00 |
0.04 |
| 630.00 |
0.02 |
-0.00 |
0.04 |
| 631.00 |
0.02 |
-0.00 |
0.04 |
| 632.00 |
0.02 |
-0.00 |
0.05 |
| 633.00 |
0.02 |
-0.00 |
0.05 |
| 634.00 |
0.03 |
0.00 |
0.05 |
| 635.00 |
0.03 |
0.00 |
0.06 |
| 636.00 |
0.03 |
0.01 |
0.06 |
| 637.00 |
0.04 |
0.01 |
0.07 |
| 638.00 |
0.04 |
0.01 |
0.08 |
| 639.00 |
0.05 |
0.02 |
0.08 |
| 640.00 |
0.06 |
0.02 |
0.09 |
| 641.00 |
0.06 |
0.03 |
0.10 |
| 642.00 |
0.07 |
0.03 |
0.11 |
| 643.00 |
0.08 |
0.04 |
0.12 |
| 644.00 |
0.08 |
0.04 |
0.12 |
| 645.00 |
0.09 |
0.05 |
0.13 |
| 646.00 |
0.09 |
0.05 |
0.13 |
| 647.00 |
0.09 |
0.05 |
0.13 |
| 648.00 |
0.09 |
0.04 |
0.13 |
| 649.00 |
0.08 |
0.04 |
0.13 |
| 650.00 |
0.08 |
0.04 |
0.13 |
| 651.00 |
0.08 |
0.04 |
0.13 |
| 652.00 |
0.08 |
0.04 |
0.13 |
| 653.00 |
0.08 |
0.04 |
0.13 |
| 654.00 |
0.08 |
0.04 |
0.13 |
| 655.00 |
0.09 |
0.04 |
0.13 |
| 656.00 |
0.09 |
0.04 |
0.14 |
| 657.00 |
0.10 |
0.05 |
0.15 |
| 658.00 |
0.10 |
0.05 |
0.15 |
| 659.00 |
0.11 |
0.06 |
0.16 |
| 660.00 |
0.11 |
0.06 |
0.16 |
| 661.00 |
0.12 |
0.07 |
0.17 |
| 662.00 |
0.12 |
0.07 |
0.18 |
| 663.00 |
0.12 |
0.07 |
0.18 |
| 664.00 |
0.13 |
0.07 |
0.18 |
| 665.00 |
0.13 |
0.07 |
0.19 |
| 666.00 |
0.13 |
0.07 |
0.19 |
| 667.00 |
0.14 |
0.08 |
0.20 |
| 668.00 |
0.15 |
0.09 |
0.22 |
| 669.00 |
0.16 |
0.10 |
0.23 |
| 670.00 |
0.17 |
0.10 |
0.24 |
| 671.00 |
0.18 |
0.11 |
0.25 |
| 672.00 |
0.19 |
0.12 |
0.26 |
| 673.00 |
0.20 |
0.13 |
0.27 |
| 674.00 |
0.21 |
0.14 |
0.29 |
| 675.00 |
0.22 |
0.14 |
0.29 |
| 676.00 |
0.23 |
0.15 |
0.31 |
| 677.00 |
0.24 |
0.16 |
0.32 |
| 678.00 |
0.24 |
0.16 |
0.32 |
| 679.00 |
0.24 |
0.16 |
0.33 |
| 680.00 |
0.25 |
0.16 |
0.34 |
| 681.00 |
0.25 |
0.16 |
0.34 |
| 682.00 |
0.27 |
0.17 |
0.36 |
| 683.00 |
0.28 |
0.18 |
0.37 |
| 684.00 |
0.29 |
0.20 |
0.39 |
| 685.00 |
0.31 |
0.21 |
0.41 |
| 686.00 |
0.32 |
0.22 |
0.42 |
| 687.00 |
0.34 |
0.23 |
0.44 |
| 688.00 |
0.35 |
0.25 |
0.46 |
| 689.00 |
0.37 |
0.26 |
0.47 |
| 690.00 |
0.39 |
0.28 |
0.50 |
| 691.00 |
0.42 |
0.30 |
0.53 |
| 692.00 |
0.44 |
0.33 |
0.56 |
| 693.00 |
0.46 |
0.34 |
0.57 |
| 694.00 |
0.47 |
0.35 |
0.59 |
| 695.00 |
0.48 |
0.35 |
0.60 |
| 696.00 |
0.49 |
0.36 |
0.61 |
| 697.00 |
0.49 |
0.36 |
0.62 |
| 698.00 |
0.51 |
0.38 |
0.64 |
| 699.00 |
0.52 |
0.38 |
0.65 |
| 700.00 |
0.53 |
0.39 |
0.66 |
| 701.00 |
0.54 |
0.41 |
0.68 |
| 702.00 |
0.55 |
0.41 |
0.69 |
| 703.00 |
0.56 |
0.42 |
0.70 |
| 704.00 |
0.56 |
0.42 |
0.70 |
| 705.00 |
0.56 |
0.42 |
0.70 |
| 706.00 |
0.57 |
0.43 |
0.72 |
| 707.00 |
0.58 |
0.44 |
0.73 |
| 708.00 |
0.59 |
0.44 |
0.74 |
| 709.00 |
0.59 |
0.44 |
0.74 |
| 710.00 |
0.60 |
0.45 |
0.75 |
| 711.00 |
0.60 |
0.45 |
0.75 |
| 712.00 |
0.61 |
0.46 |
0.77 |
| 713.00 |
0.63 |
0.47 |
0.79 |
| 714.00 |
0.65 |
0.49 |
0.81 |
| 715.00 |
0.67 |
0.51 |
0.83 |
| 716.00 |
0.70 |
0.53 |
0.86 |
| 717.00 |
0.73 |
0.55 |
0.90 |
| 718.00 |
0.75 |
0.58 |
0.93 |
| 719.00 |
0.78 |
0.60 |
0.96 |
| 720.00 |
0.82 |
0.63 |
1.00 |
| 721.00 |
0.86 |
0.67 |
1.04 |
| 722.00 |
0.90 |
0.71 |
1.09 |
| 723.00 |
0.94 |
0.75 |
1.13 |
| 724.00 |
0.97 |
0.77 |
1.16 |
| 725.00 |
0.98 |
0.78 |
1.18 |
| 726.00 |
1.00 |
0.79 |
1.20 |
| 727.00 |
1.01 |
0.81 |
1.22 |
| 728.00 |
1.03 |
0.82 |
1.23 |
| 729.00 |
1.03 |
0.82 |
1.24 |
| 730.00 |
1.05 |
0.83 |
1.26 |
| 731.00 |
1.05 |
0.83 |
1.26 |
| 732.00 |
1.06 |
0.84 |
1.27 |
| 733.00 |
1.06 |
0.84 |
1.28 |
| 734.00 |
1.06 |
0.84 |
1.28 |
| 735.00 |
1.06 |
0.83 |
1.28 |
| 736.00 |
1.05 |
0.82 |
1.28 |
| 737.00 |
1.06 |
0.83 |
1.29 |
| 738.00 |
1.08 |
0.85 |
1.31 |
| 739.00 |
1.10 |
0.87 |
1.34 |
| 740.00 |
1.14 |
0.90 |
1.37 |
| 741.00 |
1.16 |
0.92 |
1.39 |
| 742.00 |
1.16 |
0.92 |
1.40 |
| 743.00 |
1.15 |
0.91 |
1.40 |
| 744.00 |
1.15 |
0.90 |
1.40 |
| 745.00 |
1.16 |
0.90 |
1.41 |
| 746.00 |
1.18 |
0.92 |
1.44 |
| 747.00 |
1.20 |
0.93 |
1.46 |
| 748.00 |
1.23 |
0.96 |
1.50 |
| 749.00 |
1.29 |
1.02 |
1.57 |
| 750.00 |
1.36 |
1.08 |
1.64 |
| 751.00 |
1.43 |
1.14 |
1.72 |
| 752.00 |
1.51 |
1.21 |
1.80 |
| 753.00 |
1.57 |
1.27 |
1.88 |
| 754.00 |
1.65 |
1.34 |
1.96 |
| 755.00 |
1.75 |
1.44 |
2.07 |
| 756.00 |
1.88 |
1.56 |
2.20 |
| 757.00 |
1.97 |
1.64 |
2.30 |
| 758.00 |
2.04 |
1.70 |
2.38 |
| 759.00 |
2.09 |
1.75 |
2.44 |
| 760.00 |
2.13 |
1.78 |
2.49 |
| 761.00 |
2.17 |
1.81 |
2.53 |
| 762.00 |
2.21 |
1.84 |
2.57 |
| 763.00 |
2.24 |
1.86 |
2.61 |
| 764.00 |
2.28 |
1.89 |
2.66 |
| 765.00 |
2.34 |
1.95 |
2.73 |
| 766.00 |
2.42 |
2.02 |
2.81 |
| 767.00 |
2.50 |
2.09 |
2.91 |
| 768.00 |
2.60 |
2.19 |
3.01 |
| 769.00 |
2.69 |
2.27 |
3.11 |
| 770.00 |
2.76 |
2.33 |
3.19 |
| 771.00 |
2.83 |
2.39 |
3.27 |
| 772.00 |
2.95 |
2.50 |
3.39 |
| 773.00 |
3.02 |
2.57 |
3.47 |
| 774.00 |
3.06 |
2.60 |
3.53 |
| 775.00 |
3.11 |
2.63 |
3.58 |
| 776.00 |
3.13 |
2.65 |
3.61 |
| 777.00 |
3.19 |
2.69 |
3.68 |
| 778.00 |
3.25 |
2.75 |
3.75 |
| 779.00 |
3.29 |
2.78 |
3.80 |
| 780.00 |
3.34 |
2.82 |
3.87 |
| 781.00 |
3.46 |
2.92 |
3.99 |
| 782.00 |
3.58 |
3.03 |
4.13 |
| 783.00 |
3.77 |
3.21 |
4.33 |
| 784.00 |
3.98 |
3.41 |
4.55 |
| 785.00 |
4.21 |
3.62 |
4.80 |
| 786.00 |
4.47 |
3.86 |
5.07 |
| 787.00 |
4.69 |
4.07 |
5.30 |
| 788.00 |
4.89 |
4.26 |
5.52 |
| 789.00 |
5.09 |
4.45 |
5.74 |
| 790.00 |
5.26 |
4.60 |
5.93 |
| 791.00 |
5.39 |
4.71 |
6.07 |
| 792.00 |
5.50 |
4.81 |
6.20 |
| 793.00 |
5.63 |
4.92 |
6.34 |
| 794.00 |
5.71 |
4.99 |
6.44 |
| 795.00 |
5.76 |
5.02 |
6.50 |
| 796.00 |
5.73 |
4.97 |
6.50 |
| 797.00 |
5.76 |
4.98 |
6.54 |
| 798.00 |
5.80 |
4.99 |
6.60 |
| 799.00 |
5.90 |
5.08 |
6.73 |
| 800.00 |
6.10 |
5.25 |
6.94 |
| 801.00 |
6.33 |
5.47 |
7.20 |
| 802.00 |
6.74 |
5.86 |
7.63 |
| 803.00 |
7.07 |
6.16 |
7.98 |
| 804.00 |
7.39 |
6.44 |
8.35 |
| 805.00 |
7.79 |
6.75 |
8.82 |
| 806.00 |
8.22 |
7.12 |
9.32 |
| 807.00 |
8.57 |
7.42 |
9.72 |
| 808.00 |
8.90 |
7.72 |
10.08 |
| 809.00 |
9.28 |
8.08 |
10.49 |
| 810.00 |
9.78 |
8.57 |
10.98 |
| 811.00 |
10.21 |
8.98 |
11.44 |
| 812.00 |
10.55 |
9.30 |
11.81 |
| 813.00 |
10.79 |
9.51 |
12.07 |
| 814.00 |
11.06 |
9.76 |
12.36 |
Figure 3: Share of Individuals with Prime Foreclosure Period Credit Scores by Pre-Delinquency Score, with 95% Confidence Interval
| Pre-delinquency Credit Score |
Percent of Individuals with Prime Foreclosure Period Credit Score |
95% Confidence Interval Lower Bound |
95% Confidence Interval Upper Bound |
| 363 |
0.00 |
0.00 |
0.00 |
| 364 |
0.00 |
0.00 |
0.00 |
| 365 |
0.00 |
0.00 |
0.00 |
| 366 |
0.00 |
0.00 |
0.00 |
| 367 |
0.00 |
0.00 |
0.00 |
| 368 |
0.00 |
0.00 |
0.00 |
| 369 |
0.00 |
0.00 |
0.00 |
| 370 |
0.00 |
0.00 |
0.00 |
| 371 |
0.00 |
0.00 |
0.00 |
| 372 |
0.00 |
0.00 |
0.00 |
| 373 |
0.00 |
0.00 |
0.00 |
| 374 |
0.00 |
0.00 |
0.00 |
| 375 |
0.00 |
0.00 |
0.00 |
| 376 |
0.00 |
0.00 |
0.00 |
| 377 |
0.00 |
0.00 |
0.00 |
| 378 |
0.00 |
0.00 |
0.00 |
| 379 |
0.00 |
0.00 |
0.00 |
| 380 |
0.00 |
0.00 |
0.00 |
| 381 |
0.00 |
0.00 |
0.00 |
| 382 |
0.00 |
0.00 |
0.00 |
| 383 |
0.00 |
0.00 |
0.00 |
| 384 |
0.00 |
0.00 |
0.00 |
| 385 |
0.00 |
0.00 |
0.00 |
| 386 |
0.00 |
0.00 |
0.00 |
| 387 |
0.00 |
0.00 |
0.00 |
| 388 |
0.00 |
0.00 |
0.00 |
| 389 |
0.00 |
0.00 |
0.00 |
| 390 |
0.00 |
0.00 |
0.00 |
| 391 |
0.00 |
0.00 |
0.00 |
| 392 |
0.00 |
0.00 |
0.00 |
| 393 |
0.00 |
0.00 |
0.00 |
| 394 |
0.00 |
0.00 |
0.00 |
| 395 |
0.00 |
0.00 |
0.00 |
| 396 |
0.00 |
0.00 |
0.00 |
| 397 |
0.00 |
0.00 |
0.00 |
| 398 |
0.00 |
0.00 |
0.00 |
| 399 |
0.00 |
0.00 |
0.00 |
| 400 |
0.00 |
0.00 |
0.00 |
| 401 |
0.00 |
0.00 |
0.00 |
| 402 |
0.00 |
0.00 |
0.00 |
| 403 |
0.00 |
0.00 |
0.00 |
| 404 |
0.00 |
0.00 |
0.00 |
| 405 |
0.00 |
0.00 |
0.00 |
| 406 |
0.00 |
0.00 |
0.00 |
| 407 |
0.00 |
0.00 |
0.00 |
| 408 |
0.00 |
0.00 |
0.00 |
| 409 |
0.00 |
0.00 |
0.00 |
| 410 |
0.00 |
0.00 |
0.00 |
| 411 |
0.00 |
0.00 |
0.00 |
| 412 |
0.00 |
0.00 |
0.00 |
| 413 |
0.00 |
0.00 |
0.00 |
| 414 |
0.00 |
0.00 |
0.00 |
| 415 |
0.00 |
0.00 |
0.00 |
| 416 |
0.00 |
0.00 |
0.00 |
| 417 |
0.00 |
0.00 |
0.00 |
| 418 |
0.00 |
0.00 |
0.00 |
| 419 |
0.00 |
0.00 |
0.00 |
| 420 |
0.00 |
0.00 |
0.00 |
| 421 |
0.00 |
0.00 |
0.00 |
| 422 |
0.00 |
0.00 |
0.00 |
| 423 |
0.00 |
0.00 |
0.00 |
| 424 |
0.00 |
0.00 |
0.00 |
| 425 |
0.00 |
0.00 |
0.00 |
| 426 |
0.00 |
0.00 |
0.00 |
| 427 |
0.00 |
0.00 |
0.00 |
| 428 |
0.00 |
0.00 |
0.00 |
| 429 |
0.00 |
0.00 |
0.00 |
| 430 |
0.00 |
0.00 |
0.00 |
| 431 |
0.00 |
0.00 |
0.00 |
| 432 |
0.00 |
0.00 |
0.00 |
| 433 |
0.00 |
0.00 |
0.00 |
| 434 |
0.00 |
0.00 |
0.00 |
| 435 |
0.00 |
0.00 |
0.00 |
| 436 |
0.00 |
0.00 |
0.00 |
| 437 |
0.00 |
0.00 |
0.00 |
| 438 |
0.00 |
0.00 |
0.00 |
| 439 |
0.00 |
0.00 |
0.00 |
| 440 |
0.00 |
0.00 |
0.00 |
| 441 |
0.00 |
0.00 |
0.00 |
| 442 |
0.00 |
0.00 |
0.00 |
| 443 |
0.00 |
0.00 |
0.00 |
| 444 |
0.00 |
0.00 |
0.00 |
| 445 |
0.00 |
0.00 |
0.00 |
| 446 |
0.00 |
0.00 |
0.00 |
| 447 |
0.00 |
0.00 |
0.00 |
| 448 |
0.00 |
0.00 |
0.00 |
| 449 |
0.00 |
0.00 |
0.00 |
| 450 |
0.00 |
0.00 |
0.00 |
| 451 |
0.00 |
0.00 |
0.00 |
| 452 |
0.00 |
0.00 |
0.00 |
| 453 |
0.00 |
0.00 |
0.00 |
| 454 |
0.00 |
0.00 |
0.00 |
| 455 |
0.00 |
0.00 |
0.00 |
| 456 |
0.00 |
0.00 |
0.00 |
| 457 |
0.00 |
0.00 |
0.00 |
| 458 |
0.00 |
0.00 |
0.00 |
| 459 |
0.00 |
0.00 |
0.00 |
| 460 |
0.00 |
0.00 |
0.00 |
| 461 |
0.00 |
0.00 |
0.00 |
| 462 |
0.00 |
0.00 |
0.00 |
| 463 |
0.00 |
0.00 |
0.00 |
| 464 |
0.00 |
0.00 |
0.00 |
| 465 |
0.00 |
0.00 |
0.00 |
| 466 |
0.00 |
0.00 |
0.00 |
| 467 |
0.00 |
0.00 |
0.00 |
| 468 |
0.00 |
0.00 |
0.00 |
| 469 |
0.00 |
0.00 |
0.00 |
| 470 |
0.00 |
0.00 |
0.00 |
| 471 |
0.00 |
0.00 |
0.00 |
| 472 |
0.00 |
0.00 |
0.00 |
| 473 |
0.00 |
0.00 |
0.00 |
| 474 |
0.00 |
0.00 |
0.00 |
| 475 |
0.00 |
0.00 |
0.00 |
| 476 |
0.00 |
0.00 |
0.00 |
| 477 |
0.00 |
0.00 |
0.00 |
| 478 |
0.00 |
0.00 |
0.00 |
| 479 |
0.00 |
0.00 |
0.00 |
| 480 |
0.00 |
0.00 |
0.00 |
| 481 |
0.00 |
0.00 |
0.00 |
| 482 |
0.00 |
0.00 |
0.00 |
| 483 |
0.00 |
0.00 |
0.00 |
| 484 |
0.00 |
0.00 |
0.00 |
| 485 |
0.00 |
0.00 |
0.00 |
| 486 |
0.00 |
0.00 |
0.00 |
| 487 |
0.00 |
0.00 |
0.00 |
| 488 |
0.00 |
0.00 |
0.00 |
| 489 |
0.00 |
0.00 |
0.00 |
| 490 |
0.00 |
0.00 |
0.00 |
| 491 |
0.00 |
0.00 |
0.00 |
| 492 |
0.00 |
0.00 |
0.00 |
| 493 |
0.00 |
0.00 |
0.00 |
| 494 |
0.00 |
0.00 |
0.00 |
| 495 |
0.00 |
0.00 |
0.00 |
| 496 |
0.00 |
0.00 |
0.00 |
| 497 |
0.00 |
-0.00 |
0.01 |
| 498 |
0.00 |
-0.01 |
0.01 |
| 499 |
0.00 |
-0.01 |
0.02 |
| 500 |
0.00 |
-0.01 |
0.02 |
| 501 |
0.00 |
-0.01 |
0.02 |
| 502 |
0.00 |
-0.01 |
0.03 |
| 503 |
0.00 |
-0.01 |
0.03 |
| 504 |
0.01 |
-0.01 |
0.03 |
| 505 |
0.01 |
-0.01 |
0.03 |
| 506 |
0.01 |
-0.01 |
0.03 |
| 507 |
0.01 |
-0.01 |
0.03 |
| 508 |
0.01 |
-0.00 |
0.03 |
| 509 |
0.01 |
-0.00 |
0.03 |
| 510 |
0.01 |
-0.00 |
0.03 |
| 511 |
0.01 |
-0.00 |
0.03 |
| 512 |
0.01 |
-0.01 |
0.03 |
| 513 |
0.01 |
-0.01 |
0.03 |
| 514 |
0.01 |
-0.01 |
0.03 |
| 515 |
0.00 |
-0.01 |
0.03 |
| 516 |
0.00 |
-0.01 |
0.02 |
| 517 |
0.00 |
-0.01 |
0.02 |
| 518 |
0.00 |
-0.01 |
0.02 |
| 519 |
0.00 |
-0.01 |
0.02 |
| 520 |
0.00 |
-0.01 |
0.01 |
| 521 |
0.00 |
-0.00 |
0.01 |
| 522 |
0.00 |
-0.01 |
0.01 |
| 523 |
0.00 |
-0.01 |
0.02 |
| 524 |
0.00 |
-0.01 |
0.02 |
| 525 |
0.00 |
-0.01 |
0.02 |
| 526 |
0.00 |
-0.01 |
0.02 |
| 527 |
0.00 |
-0.01 |
0.02 |
| 528 |
0.01 |
-0.01 |
0.02 |
| 529 |
0.01 |
-0.01 |
0.02 |
| 530 |
0.01 |
-0.00 |
0.02 |
| 531 |
0.01 |
-0.00 |
0.02 |
| 532 |
0.01 |
-0.00 |
0.02 |
| 533 |
0.01 |
-0.00 |
0.02 |
| 534 |
0.01 |
-0.00 |
0.02 |
| 535 |
0.01 |
-0.00 |
0.02 |
| 536 |
0.01 |
-0.00 |
0.02 |
| 537 |
0.01 |
-0.00 |
0.02 |
| 538 |
0.01 |
-0.01 |
0.02 |
| 539 |
0.00 |
-0.01 |
0.02 |
| 540 |
0.00 |
-0.01 |
0.02 |
| 541 |
0.00 |
-0.01 |
0.02 |
| 542 |
0.00 |
-0.01 |
0.01 |
| 543 |
0.00 |
-0.01 |
0.01 |
| 544 |
0.00 |
-0.00 |
0.01 |
| 545 |
0.00 |
-0.00 |
0.00 |
| 546 |
0.00 |
0.00 |
0.00 |
| 547 |
0.00 |
0.00 |
0.00 |
| 548 |
0.00 |
0.00 |
0.00 |
| 549 |
0.00 |
0.00 |
0.00 |
| 550 |
0.00 |
0.00 |
0.00 |
| 551 |
0.00 |
0.00 |
0.00 |
| 552 |
0.00 |
0.00 |
0.00 |
| 553 |
0.00 |
0.00 |
0.00 |
| 554 |
0.00 |
0.00 |
0.00 |
| 555 |
0.00 |
0.00 |
0.00 |
| 556 |
0.00 |
0.00 |
0.00 |
| 557 |
0.00 |
0.00 |
0.00 |
| 558 |
0.00 |
0.00 |
0.00 |
| 559 |
0.00 |
0.00 |
0.00 |
| 560 |
0.00 |
0.00 |
0.00 |
| 561 |
0.00 |
0.00 |
0.00 |
| 562 |
0.00 |
0.00 |
0.00 |
| 563 |
0.00 |
0.00 |
0.00 |
| 564 |
0.00 |
0.00 |
0.00 |
| 565 |
0.00 |
0.00 |
0.00 |
| 566 |
0.00 |
0.00 |
0.00 |
| 567 |
0.00 |
0.00 |
0.00 |
| 568 |
0.00 |
0.00 |
0.00 |
| 569 |
0.00 |
0.00 |
0.00 |
| 570 |
0.00 |
-0.00 |
0.00 |
| 571 |
0.00 |
-0.00 |
0.01 |
| 572 |
0.00 |
-0.01 |
0.01 |
| 573 |
0.00 |
-0.01 |
0.01 |
| 574 |
0.00 |
-0.01 |
0.01 |
| 575 |
0.00 |
-0.01 |
0.02 |
| 576 |
0.00 |
-0.01 |
0.02 |
| 577 |
0.00 |
-0.01 |
0.02 |
| 578 |
0.00 |
-0.01 |
0.02 |
| 579 |
0.01 |
-0.01 |
0.02 |
| 580 |
0.01 |
-0.00 |
0.02 |
| 581 |
0.01 |
-0.00 |
0.02 |
| 582 |
0.01 |
-0.00 |
0.02 |
| 583 |
0.01 |
-0.00 |
0.02 |
| 584 |
0.01 |
-0.00 |
0.03 |
| 585 |
0.01 |
-0.00 |
0.03 |
| 586 |
0.01 |
-0.00 |
0.03 |
| 587 |
0.01 |
-0.00 |
0.03 |
| 588 |
0.01 |
-0.00 |
0.03 |
| 589 |
0.01 |
-0.00 |
0.03 |
| 590 |
0.01 |
-0.00 |
0.03 |
| 591 |
0.01 |
-0.00 |
0.03 |
| 592 |
0.01 |
-0.00 |
0.03 |
| 593 |
0.01 |
-0.01 |
0.03 |
| 594 |
0.01 |
-0.01 |
0.03 |
| 595 |
0.01 |
-0.01 |
0.03 |
| 596 |
0.01 |
-0.00 |
0.03 |
| 597 |
0.01 |
-0.00 |
0.03 |
| 598 |
0.01 |
-0.00 |
0.03 |
| 599 |
0.01 |
-0.00 |
0.03 |
| 600 |
0.02 |
-0.00 |
0.03 |
| 601 |
0.02 |
-0.00 |
0.03 |
| 602 |
0.02 |
-0.00 |
0.04 |
| 603 |
0.02 |
0.00 |
0.04 |
| 604 |
0.02 |
0.00 |
0.04 |
| 605 |
0.02 |
0.00 |
0.04 |
| 606 |
0.02 |
0.00 |
0.04 |
| 607 |
0.02 |
0.00 |
0.04 |
| 608 |
0.02 |
0.00 |
0.04 |
| 609 |
0.02 |
0.00 |
0.04 |
| 610 |
0.02 |
-0.00 |
0.04 |
| 611 |
0.02 |
-0.00 |
0.04 |
| 612 |
0.02 |
0.00 |
0.04 |
| 613 |
0.03 |
0.00 |
0.04 |
| 614 |
0.03 |
0.00 |
0.04 |
| 615 |
0.03 |
0.01 |
0.04 |
| 616 |
0.03 |
0.01 |
0.04 |
| 617 |
0.03 |
0.01 |
0.04 |
| 618 |
0.03 |
0.01 |
0.04 |
| 619 |
0.03 |
0.01 |
0.04 |
| 620 |
0.02 |
0.00 |
0.04 |
| 621 |
0.02 |
0.00 |
0.04 |
| 622 |
0.02 |
0.00 |
0.04 |
| 623 |
0.02 |
0.00 |
0.04 |
| 624 |
0.02 |
-0.00 |
0.04 |
| 625 |
0.02 |
-0.00 |
0.04 |
| 626 |
0.02 |
-0.00 |
0.04 |
| 627 |
0.02 |
-0.00 |
0.04 |
| 628 |
0.02 |
-0.00 |
0.04 |
| 629 |
0.02 |
-0.00 |
0.04 |
| 630 |
0.02 |
-0.00 |
0.04 |
| 631 |
0.02 |
-0.00 |
0.04 |
| 632 |
0.02 |
-0.00 |
0.05 |
| 633 |
0.02 |
-0.00 |
0.05 |
| 634 |
0.03 |
0.00 |
0.05 |
| 635 |
0.03 |
0.00 |
0.05 |
| 636 |
0.03 |
0.01 |
0.06 |
| 637 |
0.04 |
0.01 |
0.06 |
| 638 |
0.04 |
0.01 |
0.06 |
| 639 |
0.05 |
0.02 |
0.07 |
| 640 |
0.06 |
0.02 |
0.07 |
| 641 |
0.06 |
0.03 |
0.07 |
| 642 |
0.07 |
0.03 |
0.08 |
| 643 |
0.08 |
0.04 |
0.08 |
| 644 |
0.08 |
0.04 |
0.08 |
| 645 |
0.09 |
0.05 |
0.08 |
| 646 |
0.09 |
0.05 |
0.08 |
| 647 |
0.09 |
0.05 |
0.08 |
| 648 |
0.09 |
0.04 |
0.09 |
| 649 |
0.08 |
0.04 |
0.09 |
| 650 |
0.08 |
0.04 |
0.09 |
| 651 |
0.08 |
0.04 |
0.09 |
| 652 |
0.08 |
0.04 |
0.09 |
| 653 |
0.08 |
0.04 |
0.09 |
| 654 |
0.08 |
0.04 |
0.09 |
| 655 |
0.09 |
0.04 |
0.10 |
| 656 |
0.09 |
0.04 |
0.10 |
| 657 |
0.10 |
0.05 |
0.10 |
| 658 |
0.10 |
0.05 |
0.10 |
| 659 |
0.11 |
0.06 |
0.10 |
| 660 |
0.11 |
0.06 |
0.10 |
| 661 |
0.12 |
0.07 |
0.11 |
| 662 |
0.12 |
0.07 |
0.11 |
| 663 |
0.12 |
0.07 |
0.11 |
| 664 |
0.13 |
0.07 |
0.12 |
| 665 |
0.13 |
0.07 |
0.12 |
| 666 |
0.13 |
0.07 |
0.12 |
| 667 |
0.14 |
0.08 |
0.13 |
| 668 |
0.15 |
0.09 |
0.13 |
| 669 |
0.16 |
0.10 |
0.13 |
| 670 |
0.17 |
0.10 |
0.14 |
| 671 |
0.18 |
0.11 |
0.14 |
| 672 |
0.19 |
0.12 |
0.14 |
| 673 |
0.20 |
0.13 |
0.15 |
| 674 |
0.21 |
0.14 |
0.15 |
| 675 |
0.22 |
0.14 |
0.15 |
| 676 |
0.23 |
0.15 |
0.16 |
| 677 |
0.24 |
0.16 |
0.16 |
| 678 |
0.24 |
0.16 |
0.17 |
| 679 |
0.24 |
0.16 |
0.17 |
| 680 |
0.25 |
0.16 |
0.17 |
| 681 |
0.25 |
0.16 |
0.18 |
| 682 |
0.27 |
0.17 |
0.18 |
| 683 |
0.28 |
0.18 |
0.19 |
| 684 |
0.29 |
0.20 |
0.19 |
| 685 |
0.31 |
0.21 |
0.19 |
| 686 |
0.32 |
0.22 |
0.20 |
| 687 |
0.34 |
0.23 |
0.20 |
| 688 |
0.35 |
0.25 |
0.21 |
| 689 |
0.37 |
0.26 |
0.22 |
| 690 |
0.39 |
0.28 |
0.22 |
| 691 |
0.42 |
0.30 |
0.22 |
| 692 |
0.44 |
0.33 |
0.23 |
| 693 |
0.46 |
0.34 |
0.24 |
| 694 |
0.47 |
0.35 |
0.24 |
| 695 |
0.48 |
0.35 |
0.25 |
| 696 |
0.49 |
0.36 |
0.25 |
| 697 |
0.49 |
0.36 |
0.26 |
| 698 |
0.51 |
0.38 |
0.26 |
| 699 |
0.52 |
0.38 |
0.26 |
| 700 |
0.53 |
0.39 |
0.27 |
| 701 |
0.54 |
0.41 |
0.27 |
| 702 |
0.55 |
0.41 |
0.28 |
| 703 |
0.56 |
0.42 |
0.28 |
| 704 |
0.56 |
0.42 |
0.28 |
| 705 |
0.56 |
0.42 |
0.29 |
| 706 |
0.57 |
0.43 |
0.29 |
| 707 |
0.58 |
0.44 |
0.29 |
| 708 |
0.59 |
0.44 |
0.29 |
| 709 |
0.59 |
0.44 |
0.30 |
| 710 |
0.60 |
0.45 |
0.30 |
| 711 |
0.60 |
0.45 |
0.31 |
| 712 |
0.61 |
0.46 |
0.31 |
| 713 |
0.63 |
0.47 |
0.32 |
| 714 |
0.65 |
0.49 |
0.32 |
| 715 |
0.67 |
0.51 |
0.33 |
| 716 |
0.70 |
0.53 |
0.33 |
| 717 |
0.73 |
0.55 |
0.34 |
| 718 |
0.75 |
0.58 |
0.35 |
| 719 |
0.78 |
0.60 |
0.36 |
| 720 |
0.82 |
0.63 |
0.36 |
| 721 |
0.86 |
0.67 |
0.37 |
| 722 |
0.90 |
0.71 |
0.38 |
| 723 |
0.94 |
0.75 |
0.39 |
| 724 |
0.97 |
0.77 |
0.39 |
| 725 |
0.98 |
0.78 |
0.40 |
| 726 |
1.00 |
0.79 |
0.41 |
| 727 |
1.01 |
0.81 |
0.41 |
| 728 |
1.03 |
0.82 |
0.42 |
| 729 |
1.03 |
0.82 |
0.42 |
| 730 |
1.05 |
0.83 |
0.42 |
| 731 |
1.05 |
0.83 |
0.43 |
| 732 |
1.06 |
0.84 |
0.43 |
| 733 |
1.06 |
0.84 |
0.44 |
| 734 |
1.06 |
0.84 |
0.44 |
| 735 |
1.06 |
0.83 |
0.45 |
| 736 |
1.05 |
0.82 |
0.45 |
| 737 |
1.06 |
0.83 |
0.46 |
| 738 |
1.08 |
0.85 |
0.46 |
| 739 |
1.10 |
0.87 |
0.47 |
| 740 |
1.14 |
0.90 |
0.47 |
| 741 |
1.16 |
0.92 |
0.47 |
| 742 |
1.16 |
0.92 |
0.48 |
| 743 |
1.15 |
0.91 |
0.49 |
| 744 |
1.15 |
0.90 |
0.50 |
| 745 |
1.16 |
0.90 |
0.51 |
| 746 |
1.18 |
0.92 |
0.52 |
| 747 |
1.20 |
0.93 |
0.53 |
| 748 |
1.23 |
0.96 |
0.54 |
| 749 |
1.29 |
1.02 |
0.55 |
| 750 |
1.36 |
1.08 |
0.56 |
| 751 |
1.43 |
1.14 |
0.58 |
| 752 |
1.51 |
1.21 |
0.59 |
| 753 |
1.57 |
1.27 |
0.61 |
| 754 |
1.65 |
1.34 |
0.62 |
| 755 |
1.75 |
1.44 |
0.63 |
| 756 |
1.88 |
1.56 |
0.65 |
| 757 |
1.97 |
1.64 |
0.66 |
| 758 |
2.04 |
1.70 |
0.67 |
| 759 |
2.09 |
1.75 |
0.69 |
| 760 |
2.13 |
1.78 |
0.70 |
| 761 |
2.17 |
1.81 |
0.72 |
| 762 |
2.21 |
1.84 |
0.74 |
| 763 |
2.24 |
1.86 |
0.75 |
| 764 |
2.28 |
1.89 |
0.77 |
| 765 |
2.34 |
1.95 |
0.78 |
| 766 |
2.42 |
2.02 |
0.80 |
| 767 |
2.50 |
2.09 |
0.81 |
| 768 |
2.60 |
2.19 |
0.83 |
| 769 |
2.69 |
2.27 |
0.84 |
| 770 |
2.76 |
2.33 |
0.86 |
| 771 |
2.83 |
2.39 |
0.88 |
| 772 |
2.95 |
2.50 |
0.89 |
| 773 |
3.02 |
2.57 |
0.91 |
| 774 |
3.06 |
2.60 |
0.93 |
| 775 |
3.11 |
2.63 |
0.94 |
| 776 |
3.13 |
2.65 |
0.96 |
| 777 |
3.19 |
2.69 |
0.98 |
| 778 |
3.25 |
2.75 |
1.00 |
| 779 |
3.29 |
2.78 |
1.02 |
| 780 |
3.34 |
2.82 |
1.05 |
| 781 |
3.46 |
2.92 |
1.07 |
| 782 |
3.58 |
3.03 |
1.10 |
| 783 |
3.77 |
3.21 |
1.12 |
| 784 |
3.98 |
3.41 |
1.15 |
| 785 |
4.21 |
3.62 |
1.17 |
| 786 |
4.47 |
3.86 |
1.20 |
| 787 |
4.69 |
4.07 |
1.23 |
| 788 |
4.89 |
4.26 |
1.26 |
| 789 |
5.09 |
4.45 |
1.30 |
| 790 |
5.26 |
4.60 |
1.33 |
| 791 |
5.39 |
4.71 |
1.36 |
| 792 |
5.50 |
4.81 |
1.39 |
| 793 |
5.63 |
4.92 |
1.42 |
| 794 |
5.71 |
4.99 |
1.45 |
| 795 |
5.76 |
5.02 |
1.49 |
| 796 |
5.73 |
4.97 |
1.52 |
| 797 |
5.76 |
4.98 |
1.56 |
| 798 |
5.80 |
4.99 |
1.61 |
| 799 |
5.90 |
5.08 |
1.65 |
| 800 |
6.10 |
5.25 |
1.69 |
| 801 |
6.33 |
5.47 |
1.73 |
| 802 |
6.74 |
5.86 |
1.77 |
| 803 |
7.07 |
6.16 |
1.82 |
| 804 |
7.39 |
6.44 |
1.92 |
| 805 |
7.79 |
6.75 |
2.07 |
| 806 |
8.22 |
7.12 |
2.21 |
| 807 |
8.57 |
7.42 |
2.30 |
| 808 |
8.90 |
7.72 |
2.36 |
| 809 |
9.28 |
8.08 |
2.41 |
| 810 |
9.78 |
8.57 |
2.42 |
| 811 |
10.21 |
8.98 |
2.47 |
| 812 |
10.55 |
9.30 |
2.51 |
| 813 |
10.79 |
9.51 |
2.55 |
| 814 |
11.06 |
9.76 |
2.60 |
Figure 4: Mean Credit Scores Before and After Foreclosure by Cohort Panel (a) Prime, Historical Cohorts
| Years Relative to Foreclosure Period |
Mean Credit Score, 2000 Cohort |
Mean Credit Score, 2001 Cohort |
Mean Credit Score, 2002 Cohort |
Mean Credit Score, 2003 Cohort |
Mean Credit Score, 2004 Cohort |
Mean Credit Score, 2005 Cohort |
Mean Credit Score, 2006 Cohort |
| -7.75 |
|
|
|
|
|
|
655.02 |
| -7.5 |
|
|
|
|
|
|
657.19 |
| -7.25 |
|
|
|
|
|
|
660.8 |
| -7 |
|
|
|
|
|
|
662.56 |
| -6.75 |
|
|
|
|
|
663.54 |
664.86 |
| -6.5 |
|
|
|
|
|
665.72 |
666.41 |
| -6.25 |
|
|
|
|
|
669.84 |
668.05 |
| -6 |
|
|
|
|
|
672.51 |
668.58 |
| -5.75 |
|
|
|
|
672.77 |
675 |
669.91 |
| -5.5 |
|
|
|
|
673.11 |
677.94 |
671.64 |
| -5.25 |
|
|
|
|
676.31 |
679.29 |
672.33 |
| -5 |
|
|
|
|
678.77 |
680.45 |
672.98 |
| -4.75 |
|
|
|
673.13 |
680.06 |
680.8 |
673.6 |
| -4.5 |
|
|
|
675.02 |
683.1 |
681.06 |
674.59 |
| -4.25 |
|
|
|
679.02 |
685.52 |
681.19 |
675.9 |
| -4 |
|
|
|
680.77 |
686.61 |
681.5 |
676.79 |
| -3.75 |
|
|
677.83 |
683.29 |
687.38 |
682.45 |
678.3 |
| -3.5 |
|
|
681.85 |
686.11 |
688.62 |
683.97 |
679.72 |
| -3.25 |
|
|
685.87 |
687.29 |
687.88 |
684.37 |
681.25 |
| -3 |
|
|
686.21 |
687.93 |
688.86 |
685.23 |
683.18 |
| -2.75 |
|
686.98 |
687.87 |
689.24 |
689.34 |
685.91 |
683.58 |
| -2.5 |
|
685.34 |
690.04 |
689.59 |
690.13 |
686.86 |
684.8 |
| -2.25 |
|
689.05 |
691.22 |
688.56 |
690.92 |
686.33 |
686.21 |
| -2 |
|
692.23 |
691.53 |
689.4 |
690.46 |
686.59 |
686.69 |
| -1.75 |
694.96 |
691.75 |
690.37 |
688.01 |
688.15 |
685.6 |
687.35 |
| -1.5 |
694.06 |
691.27 |
689.25 |
685.5 |
687.17 |
682.73 |
687.54 |
| -1.25 |
693.85 |
687.38 |
683.29 |
680.37 |
683.4 |
677.92 |
684.07 |
| -1 |
691.76 |
679.47 |
672.64 |
672.4 |
675.11 |
670.22 |
677.11 |
| -0.75 |
678.53 |
662.16 |
656.89 |
660.22 |
660.88 |
656.86 |
664.61 |
| -0.5 |
647.51 |
627.89 |
627.05 |
627.78 |
630.81 |
627.91 |
635.94 |
| -0.25 |
583.38 |
569.29 |
570.79 |
568.63 |
570.67 |
569 |
570.12 |
| 0 |
547.65 |
539.73 |
540.15 |
535.84 |
539.08 |
538.3 |
530.13 |
| 0.25 |
563.51 |
557.26 |
554.92 |
549.89 |
551.92 |
552.64 |
538.67 |
| 0.5 |
579.51 |
573.79 |
569.3 |
566.06 |
567.63 |
570.31 |
552.38 |
| 0.75 |
588.54 |
585.06 |
582.5 |
577.5 |
581.13 |
582.25 |
564.03 |
| 1 |
596 |
592.88 |
589.42 |
585.38 |
590.85 |
589.55 |
571.15 |
| 1.25 |
601.54 |
599.82 |
595.63 |
591.55 |
597.29 |
594.48 |
576.63 |
| 1.5 |
607 |
604.29 |
600.31 |
597.01 |
602.8 |
599.24 |
583.1 |
| 1.75 |
614.02 |
610.65 |
606.04 |
604.01 |
608.61 |
605.44 |
590.99 |
| 2 |
620.15 |
616.21 |
612.69 |
611.2 |
615.16 |
613.09 |
598.74 |
| 2.25 |
623.29 |
621.35 |
618.57 |
619.04 |
621.25 |
617.79 |
605.5 |
| 2.5 |
626.77 |
625.37 |
623.79 |
622.28 |
625.8 |
622.43 |
609.73 |
| 2.75 |
630.2 |
627.99 |
626.62 |
625.34 |
629.03 |
624.72 |
613.19 |
| 3 |
632.55 |
629.71 |
631.07 |
628.27 |
631.83 |
627.45 |
616.29 |
| 3.25 |
635.59 |
633.48 |
633.52 |
631.2 |
633.4 |
629.86 |
619.05 |
| 3.5 |
637.6 |
635.75 |
636.51 |
634.1 |
635.77 |
632.04 |
622.22 |
| 3.75 |
640.52 |
639.01 |
637.75 |
636.82 |
638.34 |
634.32 |
626.44 |
| 4 |
642.73 |
641.05 |
639.46 |
637.72 |
640.47 |
636.33 |
629.06 |
| 4.25 |
646.04 |
642.87 |
641.82 |
639.54 |
641.92 |
637.28 |
|
| 4.5 |
648.54 |
645.48 |
643.92 |
640.92 |
642.59 |
638.76 |
|
| 4.75 |
650.23 |
646.53 |
645.56 |
642.64 |
642.24 |
640.73 |
|
| 5 |
650.78 |
649.94 |
646.45 |
643.73 |
642.74 |
646.64 |
|
| 5.25 |
654.78 |
651.05 |
647.81 |
646.37 |
643.77 |
|
|
| 5.5 |
655.37 |
652.12 |
649.68 |
647.46 |
644.39 |
|
|
| 5.75 |
657.62 |
654.06 |
651.55 |
648.24 |
645.96 |
|
|
| 6 |
661.08 |
655.84 |
652.76 |
650.54 |
646.53 |
|
|
| 6.25 |
665.78 |
660.96 |
656 |
654.23 |
|
|
|
| 6.5 |
671.75 |
665.25 |
662.86 |
660.02 |
|
|
|
| 6.75 |
676.15 |
669.63 |
666.25 |
663.39 |
|
|
|
| 7 |
677.59 |
672.54 |
667.94 |
660.66 |
|
|
|
| 7.25 |
680.16 |
673.29 |
669.99 |
|
|
|
|
| 7.5 |
681.85 |
673.81 |
673.3 |
|
|
|
|
| 7.75 |
681.99 |
674.92 |
671.17 |
|
|
|
|
| 8 |
681.44 |
674.2 |
671.3 |
|
|
|
|
| 8.25 |
682.69 |
674.97 |
|
|
|
|
|
| 8.5 |
681.05 |
674.19 |
|
|
|
|
|
| 8.75 |
680.05 |
673.64 |
|
|
|
|
|
| 9 |
681.12 |
666.56 |
|
|
|
|
|
| 9.25 |
682.51 |
|
|
|
|
|
|
| 9.5 |
683.72 |
|
|
|
|
|
|
| 9.75 |
684.4 |
|
|
|
|
|
|
| 10 |
687.41 |
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
Figure 4: Mean Credit Scores Before and After Foreclosure by Cohort Panel (b) Prime, Recent Cohorts
| Years Relative to Foreclosure Period |
Mean Credit Score, Historical Cohorts |
Mean Credit Score, 2007 Cohort |
Mean Credit Score, 2008 Cohort |
Mean Credit Score, 2009 Cohort |
| -10.75 |
|
|
|
667.95 |
| -10.5 |
|
|
|
668.72 |
| -10.25 |
|
|
|
669.15 |
| -10 |
|
|
|
669.33 |
| -9.75 |
|
|
659.02 |
671.09 |
| -9.5 |
|
|
658.66 |
673.16 |
| -9.25 |
|
|
660.21 |
673.99 |
| -9 |
|
|
661.02 |
675.12 |
| -8.75 |
|
654.67 |
662.74 |
675.73 |
| -8.5 |
|
653.4 |
664.47 |
675.93 |
| -8.25 |
|
657.04 |
665.41 |
676.42 |
| -8 |
|
657.87 |
666.53 |
676.64 |
| -7.75 |
655.02 |
659.06 |
667.37 |
677.4 |
| -7.5 |
657.19 |
661.59 |
667.49 |
678.16 |
| -7.25 |
660.8 |
662.64 |
667.8 |
679.33 |
| -7 |
662.56 |
663.88 |
668.06 |
680.84 |
| -6.75 |
664.65 |
664.85 |
669.13 |
682.22 |
| -6.5 |
666.23 |
665.5 |
670.83 |
683.63 |
| -6.25 |
668.69 |
666.36 |
672.23 |
685.39 |
| -6 |
670.27 |
667.01 |
673.11 |
687.33 |
| -5.75 |
672.15 |
668.47 |
674.74 |
688.77 |
| -5.5 |
674.12 |
669.56 |
676.4 |
690.51 |
| -5.25 |
675.54 |
670.76 |
677.95 |
692.27 |
| -5 |
676.94 |
671.53 |
679.54 |
694.38 |
| -4.75 |
677.39 |
673.59 |
681.23 |
697.01 |
| -4.5 |
678.61 |
675.4 |
683.03 |
700.01 |
| -4.25 |
680.13 |
676.93 |
685.21 |
702.2 |
| -4 |
681.05 |
678.55 |
687.34 |
704.7 |
| -3.75 |
682.25 |
679.69 |
689.78 |
706.95 |
| -3.5 |
683.95 |
681.59 |
692.33 |
709.46 |
| -3.25 |
684.9 |
683.93 |
694.57 |
711.85 |
| -3 |
686.01 |
685.97 |
696.93 |
714.12 |
| -2.75 |
686.83 |
688.12 |
699.57 |
716.1 |
| -2.5 |
687.76 |
690.43 |
702.2 |
717.83 |
| -2.25 |
688.4 |
692.36 |
704.1 |
719.78 |
| -2 |
688.98 |
693.21 |
706.18 |
721.2 |
| -1.75 |
688.28 |
694.26 |
707.73 |
722.09 |
| -1.5 |
687.17 |
694.33 |
707.92 |
721.39 |
| -1.25 |
683.14 |
693.15 |
707.22 |
719.03 |
| -1 |
675.73 |
689.09 |
703.72 |
711.76 |
| -0.75 |
661.93 |
679.56 |
694.35 |
695.41 |
| -0.5 |
631.6 |
652.75 |
663.8 |
656.85 |
| -0.25 |
570.85 |
572.87 |
578.6 |
580.56 |
| 0 |
537.34 |
520.57 |
530.72 |
542.73 |
| 0.25 |
550.55 |
524.35 |
532.06 |
546.98 |
| 0.5 |
566.14 |
537.58 |
543.56 |
557.18 |
| 0.75 |
578.07 |
550.35 |
554.56 |
566.76 |
| 1 |
585.83 |
559.33 |
563.35 |
572.06 |
| 1.25 |
591.71 |
566.87 |
571.04 |
|
| 1.5 |
597.09 |
572.93 |
576.89 |
|
| 1.75 |
603.74 |
579.44 |
582.9 |
|
| 2 |
610.73 |
587.84 |
589.55 |
|
| 2.25 |
616.65 |
594.7 |
|
|
| 2.5 |
620.91 |
598.98 |
|
|
| 2.75 |
623.92 |
604.1 |
|
|
| 3 |
626.87 |
608.26 |
|
|
| 3.25 |
629.47 |
|
|
|
| 3.5 |
632.8 |
|
|
|
| 3.75 |
636.15 |
|
|
|
| 4 |
638.6 |
|
|
|
| 4.25 |
641 |
|
|
|
| 4.5 |
642.86 |
|
|
|
| 4.75 |
644.25 |
|
|
|
| 5 |
645.99 |
|
|
|
| 5.25 |
647.82 |
|
|
|
| 5.5 |
649.22 |
|
|
|
| 5.75 |
651.16 |
|
|
|
| 6 |
653.54 |
|
|
|
| 6.25 |
658.27 |
|
|
|
| 6.5 |
664.49 |
|
|
|
| 6.75 |
668.76 |
|
|
|
| 7 |
670.81 |
|
|
|
| 7.25 |
673.76 |
|
|
|
| 7.5 |
676.02 |
|
|
|
| 7.75 |
676.21 |
|
|
|
| 8 |
676.34 |
|
|
|
| 8.25 |
678.52 |
|
|
|
| 8.5 |
677.87 |
|
|
|
| 8.75 |
677.78 |
|
|
|
| 9 |
677.84 |
|
|
|
| 9.25 |
682.51 |
|
|
|
| 9.5 |
683.72 |
|
|
|
| 9.75 |
684.4 |
|
|
|
| 10 |
687.41 |
|
|
|
Figure 4: Mean Credit Scores Before and After Foreclosure by Cohort Panel (c) Subprime, Historical Cohorts
| Years Relative to Foreclosure Period |
Mean Credit Score, 2000 Cohort |
Mean Credit Score, 2001 Cohort |
Mean Credit Score, 2002 Cohort |
Mean Credit Score, 2003 Cohort |
Mean Credit Score, 2004 Cohort |
Mean Credit Score, 2005 Cohort |
Mean Credit Score, 2006 Cohort |
| -7.75 |
|
|
|
|
|
|
582.43 |
| -7.5 |
|
|
|
|
|
|
583.8 |
| -7.25 |
|
|
|
|
|
|
586.14 |
| -7 |
|
|
|
|
|
|
587.1 |
| -6.75 |
|
|
|
|
|
587.33 |
587.5 |
| -6.5 |
|
|
|
|
|
587.58 |
587.78 |
| -6.25 |
|
|
|
|
|
589.69 |
586.92 |
| -6 |
|
|
|
|
|
589.77 |
585.9 |
| -5.75 |
|
|
|
|
586.71 |
589.99 |
583.87 |
| -5.5 |
|
|
|
|
587.91 |
590.3 |
582.09 |
| -5.25 |
|
|
|
|
590.51 |
589.56 |
580.44 |
| -5 |
|
|
|
|
590.38 |
588.2 |
578.75 |
| -4.75 |
|
|
|
584.1 |
590.59 |
586.73 |
578.57 |
| -4.5 |
|
|
|
585.82 |
590.76 |
584.76 |
577.94 |
| -4.25 |
|
|
|
587.46 |
589.47 |
581.85 |
577.09 |
| -4 |
|
|
|
587.41 |
588.11 |
579.43 |
576.68 |
| -3.75 |
|
|
587.14 |
587.34 |
585.34 |
578.37 |
577.07 |
| -3.5 |
|
|
586.25 |
586.88 |
582.66 |
576.99 |
577.06 |
| -3.25 |
|
|
585.38 |
584.53 |
579.21 |
575.67 |
577.01 |
| -3 |
|
|
581.99 |
581.68 |
575.4 |
573.9 |
577.11 |
| -2.75 |
|
573.34 |
580.89 |
577.65 |
573.07 |
572.07 |
577.21 |
| -2.5 |
|
572.51 |
578.98 |
573.02 |
569.27 |
570.2 |
576.7 |
| -2.25 |
|
570.64 |
574 |
566.78 |
564.65 |
567.79 |
575.1 |
| -2 |
|
566.81 |
567.76 |
560.31 |
559.91 |
564.52 |
572.64 |
| -1.75 |
556.29 |
562.24 |
561.49 |
554.29 |
554.52 |
561.25 |
569.37 |
| -1.5 |
551.92 |
556.13 |
552.51 |
546.79 |
548.05 |
556.03 |
565.2 |
| -1.25 |
546.25 |
546.13 |
541.19 |
537.29 |
539.84 |
548.89 |
557.45 |
| -1 |
536.83 |
534.02 |
526.77 |
526.12 |
531.16 |
539.51 |
548.09 |
| -0.75 |
526.57 |
518.88 |
513.82 |
514.82 |
521.03 |
529.18 |
535.76 |
| -0.5 |
509.77 |
498.65 |
497.07 |
498.01 |
506.87 |
513.71 |
517.13 |
| -0.25 |
482.16 |
470.55 |
471.54 |
473.36 |
483.3 |
485.66 |
484.7 |
| 0 |
467.13 |
459.08 |
458.78 |
461.64 |
470.12 |
472.3 |
467.17 |
| 0.25 |
485.69 |
480.13 |
478.59 |
480.67 |
488.14 |
491.7 |
482.16 |
| 0.5 |
501.95 |
496.97 |
496.77 |
498.3 |
505.82 |
508.96 |
497.53 |
| 0.75 |
512.34 |
508.59 |
509.34 |
511.11 |
518.97 |
521.1 |
509.4 |
| 1 |
518.95 |
516.51 |
517.98 |
520.27 |
528.93 |
528.8 |
517.47 |
| 1.25 |
525.78 |
524.11 |
524.07 |
528.45 |
536.59 |
535.24 |
523.94 |
| 1.5 |
531.32 |
530.28 |
530.9 |
536.13 |
542.82 |
539.98 |
530.23 |
| 1.75 |
536.93 |
537.06 |
537.8 |
543.72 |
548.87 |
545.63 |
537.49 |
| 2 |
542.3 |
543.49 |
544.28 |
551.65 |
554.9 |
551.22 |
545.69 |
| 2.25 |
548.03 |
548.5 |
550.53 |
557.72 |
559.72 |
555.65 |
552.74 |
| 2.5 |
552.18 |
552.82 |
555.78 |
562.06 |
563.3 |
559.45 |
558.31 |
| 2.75 |
555.58 |
556.8 |
559.37 |
565.33 |
566.37 |
562.94 |
561.9 |
| 3 |
558.69 |
560.08 |
563.69 |
567.58 |
567.76 |
566.28 |
565.35 |
| 3.25 |
561.41 |
563.02 |
567.41 |
570.49 |
569.31 |
569.44 |
568.34 |
| 3.5 |
564.02 |
566.25 |
569.88 |
572.47 |
570.77 |
572.34 |
571.29 |
| 3.75 |
566.68 |
569.24 |
571.35 |
573.9 |
572.97 |
574.9 |
574.78 |
| 4 |
568.67 |
572.11 |
573.48 |
574.98 |
575.71 |
577.29 |
575.46 |
| 4.25 |
571.59 |
575.07 |
575.26 |
576.05 |
578.19 |
579.84 |
|
| 4.5 |
574.39 |
577.05 |
576.51 |
576.98 |
580.72 |
582.08 |
|
| 4.75 |
576.75 |
578.34 |
577.93 |
578.55 |
582.81 |
584.71 |
|
| 5 |
579.67 |
579.78 |
578.87 |
580.36 |
584.46 |
586.03 |
|
| 5.25 |
582.1 |
581.2 |
579.21 |
582.58 |
586.7 |
|
|
| 5.5 |
584.06 |
582.59 |
579.84 |
585.3 |
587.91 |
|
|
| 5.75 |
585.86 |
584.33 |
581.77 |
587 |
590.07 |
|
|
| 6 |
588.32 |
585.53 |
583.92 |
589.12 |
591.9 |
|
|
| 6.25 |
590.56 |
586.73 |
586.63 |
592.54 |
|
|
|
| 6.5 |
592.01 |
588.13 |
589.78 |
595.04 |
|
|
|
| 6.75 |
592.86 |
589 |
591.75 |
597.13 |
|
|
|
| 7 |
593.43 |
590.45 |
593.93 |
597.62 |
|
|
|
| 7.25 |
593.26 |
592.4 |
595.71 |
|
|
|
|
| 7.5 |
592.76 |
593.26 |
595.91 |
|
|
|
|
| 7.75 |
592.97 |
593.67 |
595.05 |
|
|
|
|
| 8 |
593.69 |
594.44 |
595.19 |
|
|
|
|
| 8.25 |
594.46 |
595.62 |
|
|
|
|
|
| 8.5 |
594.99 |
596.73 |
|
|
|
|
|
| 8.75 |
594.9 |
597.46 |
|
|
|
|
|
| 9 |
595.94 |
596.44 |
|
|
|
|
|
| 9.25 |
597.52 |
|
|
|
|
|
|
| 9.5 |
598.49 |
|
|
|
|
|
|
| 9.75 |
598.65 |
|
|
|
|
|
|
| 10 |
600.38 |
|
|
|
|
|
|
Figure 4: Mean Credit Scores Before and After Foreclosure by Cohort Panel (d) Subprime, Recent Cohorts
| Years Relative to Foreclosure Period |
Mean Credit Score, Historical Cohorts |
Mean Credit Score, 2007 Cohort |
Mean Credit Score, 2008 Cohort |
Mean Credit Score, 2009 Cohort |
| -10.75 |
|
|
|
599.41 |
| -10.5 |
|
|
|
600.4 |
| -10.25 |
|
|
|
601.16 |
| -10 |
|
|
|
601.44 |
| -9.75 |
|
|
590.86 |
602.65 |
| -9.5 |
|
|
592.4 |
603.69 |
| -9.25 |
|
|
593.71 |
602.96 |
| -9 |
|
|
593.94 |
602.43 |
| -8.75 |
|
583.67 |
595.08 |
601.16 |
| -8.5 |
|
584.89 |
595.55 |
600.42 |
| -8.25 |
|
587.47 |
594.78 |
599.27 |
| -8 |
|
588.03 |
594.25 |
598.64 |
| -7.75 |
582.43 |
588.55 |
593.27 |
598.21 |
| -7.5 |
583.8 |
588.85 |
591.78 |
598.16 |
| -7.25 |
586.14 |
588.01 |
590.12 |
598.34 |
| -7 |
587.1 |
586.9 |
588.64 |
598.72 |
| -6.75 |
587.47 |
585.09 |
588.47 |
599.6 |
| -6.5 |
587.72 |
583.84 |
588.31 |
600.41 |
| -6.25 |
587.97 |
582.87 |
588.43 |
601.38 |
| -6 |
587.66 |
581.13 |
588.95 |
603.22 |
| -5.75 |
586.65 |
580.68 |
589.74 |
604.48 |
| -5.5 |
586.23 |
581.12 |
590.9 |
606.06 |
| -5.25 |
586.17 |
580.65 |
591.96 |
607.39 |
| -5 |
585.5 |
581.02 |
593.57 |
608.67 |
| -4.75 |
584.98 |
582.02 |
595.12 |
610.5 |
| -4.5 |
584.51 |
583.25 |
596.32 |
612.08 |
| -4.25 |
583.59 |
584.12 |
597.62 |
613.02 |
| -4 |
582.79 |
585.43 |
598.53 |
613.9 |
| -3.75 |
582.19 |
586.56 |
600.04 |
614.6 |
| -3.5 |
581.31 |
587.5 |
601.49 |
614.8 |
| -3.25 |
579.84 |
587.91 |
602.13 |
614.04 |
| -3 |
577.9 |
588.42 |
602.21 |
613.29 |
| -2.75 |
576.01 |
589.17 |
602.23 |
611.55 |
| -2.5 |
573.51 |
589.32 |
601.09 |
608.63 |
| -2.25 |
569.77 |
587.94 |
598.72 |
604.84 |
| -2 |
565.32 |
584.91 |
595.72 |
599.82 |
| -1.75 |
560.44 |
581.66 |
591.29 |
591.92 |
| -1.5 |
554.1 |
576.61 |
584.17 |
581.91 |
| -1.25 |
545.4 |
568.67 |
574.5 |
570.19 |
| -1 |
534.86 |
558.05 |
561.57 |
556.47 |
| -0.75 |
523.17 |
542.89 |
543.85 |
539.08 |
| -0.5 |
506.32 |
519.46 |
518.43 |
514.87 |
| -0.25 |
479.17 |
481.15 |
481.82 |
485.05 |
| 0 |
465.49 |
458.61 |
462.66 |
472.66 |
| 0.25 |
483.96 |
471.08 |
475.3 |
485.84 |
| 0.5 |
501 |
487.58 |
491.55 |
499.49 |
| 0.75 |
513.21 |
501.79 |
504.07 |
510.47 |
| 1 |
521.64 |
512.7 |
514.14 |
519.8 |
| 1.25 |
528.67 |
521.32 |
522.94 |
|
| 1.5 |
534.94 |
529.49 |
530.71 |
|
| 1.75 |
541.54 |
537.47 |
539.08 |
|
| 2 |
548.24 |
545.15 |
547.17 |
|
| 2.25 |
553.91 |
551.87 |
|
|
| 2.5 |
558.38 |
557.24 |
|
|
| 2.75 |
561.83 |
561.09 |
|
|
| 3 |
564.81 |
566.41 |
|
|
| 3.25 |
567.64 |
|
|
|
| 3.5 |
570.05 |
|
|
|
| 3.75 |
572.25 |
|
|
|
| 4 |
574.23 |
|
|
|
| 4.25 |
576.38 |
|
|
|
| 4.5 |
578.1 |
|
|
|
| 4.75 |
579.72 |
|
|
|
| 5 |
581.15 |
|
|
|
| 5.25 |
582.58 |
|
|
|
| 5.5 |
583.9 |
|
|
|
| 5.75 |
585.47 |
|
|
|
| 6 |
587.13 |
|
|
|
| 6.25 |
589.23 |
|
|
|
| 6.5 |
591.15 |
|
|
|
| 6.75 |
592.26 |
|
|
|
| 7 |
593.23 |
|
|
|
| 7.25 |
594.01 |
|
|
|
| 7.5 |
594.03 |
|
|
|
| 7.75 |
593.81 |
|
|
|
| 8 |
594.3 |
|
|
|
| 8.25 |
595.07 |
|
|
|
| 8.5 |
595.77 |
|
|
|
| 8.75 |
595.78 |
|
|
|
| 9 |
596.04 |
|
|
|
| 9.25 |
597.52 |
|
|
|
| 9.5 |
598.49 |
|
|
|
| 9.75 |
598.65 |
|
|
|
| 10 |
600.38 |
|
|
|
Figure 5: Share of Borrowers whose Credit Score has Recovered After Foreclosure
| Years After Foreclosure Period |
Subprime, Historical |
Subprime, Recent |
Prime, Historical |
Prime, Recent |
| 0 |
14.38 |
10.05 |
0.17 |
0.01 |
| 0.25 |
24.16 |
16.25 |
1.15 |
0.21 |
| 0.5 |
33.22 |
22.43 |
2.32 |
0.51 |
| 0.75 |
40.56 |
27.88 |
3.70 |
0.91 |
| 1 |
46.19 |
32.65 |
4.77 |
1.26 |
| 1.25 |
50.79 |
36.88 |
5.72 |
1.65 |
| 1.5 |
54.79 |
40.66 |
6.86 |
2.15 |
| 1.75 |
58.78 |
44.69 |
8.14 |
3.07 |
| 2 |
62.59 |
48.90 |
9.97 |
4.23 |
| 2.25 |
66.05 |
53.31 |
11.85 |
5.50 |
| 2.5 |
69.00 |
57.27 |
13.64 |
6.89 |
| 2.75 |
71.61 |
61.12 |
15.26 |
8.58 |
| 3 |
73.84 |
64.42 |
16.86 |
10.65 |
| 3.25 |
75.72 |
|
18.23 |
|
| 3.5 |
77.85 |
|
20.25 |
|
| 3.75 |
79.69 |
|
22.55 |
|
| 4 |
81.33 |
|
24.45 |
|
| 4.25 |
82.83 |
|
26.36 |
|
| 4.5 |
84.14 |
|
28.02 |
|
| 4.75 |
85.33 |
|
29.69 |
|
| 5 |
86.47 |
|
31.56 |
|
| 5.25 |
87.42 |
|
32.93 |
|
| 5.5 |
88.31 |
|
34.59 |
|
| 5.75 |
89.03 |
|
36.31 |
|
| 6 |
89.71 |
|
38.66 |
|
| 6.25 |
90.46 |
|
42.24 |
|
| 6.5 |
91.25 |
|
46.74 |
|
| 6.75 |
91.83 |
|
50.01 |
|
| 7 |
92.29 |
|
52.44 |
|
| 7.25 |
92.70 |
|
54.99 |
|
| 7.5 |
93.04 |
|
57.56 |
|
| 7.75 |
93.36 |
|
59.35 |
|
| 8 |
93.70 |
|
60.78 |
|
| 8.25 |
93.88 |
|
61.95 |
|
| 8.5 |
93.97 |
|
62.92 |
|
| 8.75 |
94.24 |
|
63.54 |
|
| 9 |
94.51 |
|
64.33 |
|
| 9.25 |
95.01 |
|
64.96 |
|
| 9.5 |
95.34 |
|
65.56 |
|
| 9.75 |
95.96 |
|
66.11 |
|
| 10 |
96.26 |
|
66.04 |
|
| |
|
|
|
|
| |
|
|
|
|
| |
|
|
|
|
| |
|
|
|
|
| |
|
|
|
|
Figure 6: Share of Borrowers who were 90 or More Days Past Due on a Credit Obligation by Foreclosure Cohort Panel (a) Prime Historical Cohorts
| Years Relative to Foreclosure Period |
Delinquency Rate, 2000 Cohort |
Delinquency Rate, 2001 Cohort |
Delinquency Rate, 2002 Cohort |
Delinquency Rate, 2003 Cohort |
Delinquency Rate, 2004 Cohort |
Delinquency Rate, 2005 Cohort |
Delinquency Rate, 2006 Cohort |
| -7.75 |
|
|
|
|
|
|
14.29 |
| -7.5 |
|
|
|
|
|
|
13.96 |
| -7.25 |
|
|
|
|
|
|
13.80 |
| -7 |
|
|
|
|
|
|
12.33 |
| -6.75 |
|
|
|
|
|
11.26 |
11.50 |
| -6.5 |
|
|
|
|
|
11.12 |
10.96 |
| -6.25 |
|
|
|
|
|
10.70 |
11.12 |
| -6 |
|
|
|
|
|
9.64 |
12.13 |
| -5.75 |
|
|
|
|
8.97 |
8.75 |
12.25 |
| -5.5 |
|
|
|
|
8.08 |
9.24 |
12.35 |
| -5.25 |
|
|
|
|
8.18 |
9.03 |
11.76 |
| -5 |
|
|
|
|
7.73 |
9.04 |
10.52 |
| -4.75 |
|
|
|
9.12 |
7.34 |
9.07 |
10.53 |
| -4.5 |
|
|
|
8.71 |
6.94 |
8.72 |
10.24 |
| -4.25 |
|
|
|
7.72 |
6.77 |
8.56 |
9.71 |
| -4 |
|
|
|
7.42 |
7.25 |
8.23 |
9.48 |
| -3.75 |
|
|
5.51 |
6.18 |
7.39 |
7.56 |
9.40 |
| -3.5 |
|
|
5.04 |
6.56 |
6.66 |
6.96 |
8.90 |
| -3.25 |
|
|
4.78 |
6.28 |
7.13 |
6.48 |
8.36 |
| -3 |
|
|
4.73 |
5.87 |
6.58 |
6.57 |
7.89 |
| -2.75 |
|
7.51 |
4.66 |
6.19 |
6.26 |
6.86 |
7.30 |
| -2.5 |
|
5.66 |
4.68 |
5.74 |
5.83 |
6.39 |
6.95 |
| -2.25 |
|
4.36 |
4.65 |
6.10 |
5.18 |
5.66 |
6.63 |
| -2 |
|
3.41 |
4.52 |
6.16 |
5.05 |
5.96 |
6.62 |
| -1.75 |
5.60 |
3.32 |
4.25 |
5.88 |
5.15 |
5.96 |
6.14 |
| -1.5 |
2.93 |
3.65 |
4.22 |
5.76 |
5.59 |
6.17 |
6.06 |
| -1.25 |
3.04 |
4.65 |
5.44 |
6.73 |
6.98 |
7.58 |
6.54 |
| -1 |
3.98 |
6.55 |
8.43 |
8.35 |
8.88 |
9.83 |
7.93 |
| -0.75 |
6.98 |
10.99 |
14.20 |
11.92 |
12.64 |
13.67 |
10.76 |
| -0.5 |
17.24 |
20.09 |
23.76 |
20.74 |
21.12 |
21.91 |
18.64 |
| -0.25 |
55.94 |
60.99 |
56.99 |
55.35 |
53.15 |
54.18 |
51.00 |
| 0 |
94.22 |
92.95 |
95.82 |
95.06 |
95.07 |
95.07 |
95.02 |
| 0.25 |
70.30 |
68.82 |
72.08 |
70.74 |
70.87 |
69.18 |
74.33 |
| 0.5 |
57.12 |
59.00 |
61.49 |
61.00 |
61.90 |
59.68 |
65.99 |
| 0.75 |
51.97 |
52.63 |
55.57 |
56.75 |
57.47 |
54.20 |
61.82 |
| 1 |
46.26 |
49.40 |
52.67 |
53.14 |
51.91 |
51.44 |
59.21 |
| 1.25 |
42.62 |
45.16 |
51.13 |
50.77 |
48.61 |
49.55 |
56.89 |
| 1.5 |
40.41 |
43.05 |
49.54 |
49.04 |
45.81 |
47.46 |
54.95 |
| 1.75 |
38.49 |
42.86 |
47.70 |
46.95 |
43.70 |
46.09 |
52.60 |
| 2 |
38.35 |
42.35 |
46.91 |
44.33 |
43.20 |
43.55 |
52.16 |
| 2.25 |
37.33 |
40.93 |
45.01 |
41.24 |
41.70 |
42.73 |
50.00 |
| 2.5 |
36.68 |
38.93 |
43.35 |
40.80 |
40.19 |
43.30 |
48.45 |
| 2.75 |
35.63 |
39.74 |
43.02 |
40.81 |
39.65 |
42.09 |
48.00 |
| 3 |
36.39 |
39.54 |
40.28 |
39.65 |
38.26 |
40.91 |
48.10 |
| 3.25 |
35.56 |
39.29 |
37.35 |
39.41 |
37.66 |
38.81 |
48.31 |
| 3.5 |
36.79 |
37.60 |
36.36 |
37.24 |
37.83 |
37.43 |
46.39 |
| 3.75 |
35.90 |
35.71 |
34.98 |
36.71 |
36.69 |
37.01 |
44.89 |
| 4 |
34.57 |
33.62 |
35.30 |
35.05 |
36.04 |
36.96 |
44.41 |
| 4.25 |
34.64 |
32.54 |
35.81 |
35.10 |
34.60 |
37.47 |
|
| 4.5 |
33.84 |
31.39 |
34.25 |
35.44 |
33.00 |
37.02 |
|
| 4.75 |
32.15 |
30.37 |
32.85 |
34.13 |
34.11 |
37.53 |
|
| 5 |
32.01 |
30.90 |
31.54 |
34.37 |
34.63 |
35.91 |
|
| 5.25 |
29.26 |
30.51 |
31.27 |
32.27 |
34.50 |
|
|
| 5.5 |
28.02 |
29.90 |
32.23 |
31.06 |
34.77 |
|
|
| 5.75 |
26.62 |
28.43 |
30.64 |
31.19 |
34.01 |
|
|
| 6 |
26.88 |
27.10 |
29.76 |
31.04 |
33.50 |
|
|
| 6.25 |
25.00 |
26.01 |
29.04 |
28.48 |
|
|
|
| 6.5 |
23.38 |
25.94 |
24.99 |
25.81 |
|
|
|
| 6.75 |
21.85 |
23.87 |
24.72 |
25.33 |
|
|
|
| 7 |
20.57 |
21.28 |
24.44 |
26.12 |
|
|
|
| 7.25 |
19.41 |
19.54 |
23.00 |
|
|
|
|
| 7.5 |
19.00 |
18.70 |
23.00 |
|
|
|
|
| 7.75 |
17.34 |
19.89 |
22.67 |
|
|
|
|
| 8 |
17.15 |
20.39 |
21.82 |
|
|
|
|
| 8.25 |
17.75 |
20.49 |
|
|
|
|
|
| 8.5 |
18.62 |
21.35 |
|
|
|
|
|
| 8.75 |
20.06 |
22.74 |
|
|
|
|
|
| 9 |
19.08 |
23.25 |
|
|
|
|
|
| 9.25 |
19.91 |
|
|
|
|
|
|
| 9.5 |
20.64 |
|
|
|
|
|
|
| 9.75 |
23.67 |
|
|
|
|
|
|
| 10 |
23.49 |
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
Figure 6: Share of Borrowers who were 90 or More Days Past Due on a Credit Obligation by Foreclosure Cohort Panel (b) Prime, Recent Cohorts
| Years Relative to Foreclosure Period |
Delinquency Rate, Historical Cohorts |
Delinquency Rate, 2007 Cohort |
Delinquency Rate, 2008 Cohort |
Delinquency Rate, 2009 Cohort |
| -10.75 |
|
|
|
11.26 |
| -10.5 |
|
|
|
10.30 |
| -10.25 |
|
|
|
10.04 |
| -10 |
|
|
|
10.22 |
| -9.75 |
|
|
11.85 |
9.74 |
| -9.5 |
|
|
12.29 |
9.58 |
| -9.25 |
|
|
12.24 |
9.71 |
| -9 |
|
|
11.81 |
9.97 |
| -8.75 |
|
13.52 |
11.45 |
10.22 |
| -8.5 |
|
14.20 |
11.31 |
10.21 |
| -8.25 |
|
13.04 |
11.65 |
10.19 |
| -8 |
|
12.52 |
12.15 |
10.09 |
| -7.75 |
14.29 |
12.51 |
12.33 |
9.83 |
| -7.5 |
13.96 |
12.35 |
12.23 |
9.72 |
| -7.25 |
13.80 |
12.41 |
12.21 |
9.44 |
| -7 |
12.33 |
12.44 |
11.64 |
9.21 |
| -6.75 |
11.46 |
12.29 |
11.58 |
9.05 |
| -6.5 |
11.00 |
12.19 |
11.08 |
8.83 |
| -6.25 |
10.97 |
11.96 |
10.56 |
8.76 |
| -6 |
11.07 |
11.72 |
10.27 |
8.48 |
| -5.75 |
10.58 |
11.22 |
10.08 |
8.30 |
| -5.5 |
10.52 |
10.91 |
9.63 |
7.76 |
| -5.25 |
10.02 |
10.41 |
9.44 |
7.43 |
| -5 |
9.25 |
9.75 |
9.16 |
7.07 |
| -4.75 |
9.15 |
9.21 |
8.78 |
6.61 |
| -4.5 |
8.79 |
9.22 |
8.09 |
6.18 |
| -4.25 |
8.38 |
8.91 |
7.51 |
5.75 |
| -4 |
8.24 |
8.60 |
7.15 |
5.28 |
| -3.75 |
7.75 |
8.20 |
6.68 |
4.56 |
| -3.5 |
7.25 |
7.67 |
6.18 |
4.18 |
| -3.25 |
6.94 |
7.36 |
5.52 |
3.92 |
| -3 |
6.54 |
6.81 |
4.87 |
3.71 |
| -2.75 |
6.45 |
6.37 |
4.22 |
3.49 |
| -2.5 |
6.04 |
5.81 |
3.63 |
3.25 |
| -2.25 |
5.64 |
5.02 |
3.45 |
3.15 |
| -2 |
5.54 |
4.64 |
3.21 |
2.99 |
| -1.75 |
5.36 |
4.61 |
3.10 |
2.91 |
| -1.5 |
5.36 |
4.40 |
3.09 |
3.32 |
| -1.25 |
6.30 |
4.64 |
3.64 |
4.00 |
| -1 |
8.10 |
6.32 |
4.38 |
6.25 |
| -0.75 |
11.90 |
8.22 |
6.81 |
11.56 |
| -0.5 |
20.58 |
14.55 |
14.71 |
24.81 |
| -0.25 |
54.58 |
47.54 |
55.04 |
65.40 |
| 0 |
94.89 |
95.78 |
97.22 |
97.86 |
| 0.25 |
71.26 |
84.04 |
86.72 |
87.84 |
| 0.5 |
61.62 |
76.47 |
77.62 |
78.82 |
| 0.75 |
56.68 |
70.95 |
72.90 |
72.98 |
| 1 |
53.08 |
67.58 |
70.14 |
70.13 |
| 1.25 |
50.46 |
65.84 |
67.95 |
|
| 1.5 |
48.40 |
64.31 |
66.23 |
|
| 1.75 |
46.60 |
62.74 |
65.27 |
|
| 2 |
45.45 |
62.09 |
64.33 |
|
| 2.25 |
43.67 |
61.34 |
|
|
| 2.5 |
42.64 |
60.10 |
|
|
| 2.75 |
42.19 |
58.32 |
|
|
| 3 |
41.30 |
54.98 |
|
|
| 3.25 |
40.38 |
|
|
|
| 3.5 |
38.75 |
|
|
|
| 3.75 |
37.21 |
|
|
|
| 4 |
35.99 |
|
|
|
| 4.25 |
35.25 |
|
|
|
| 4.5 |
34.24 |
|
|
|
| 4.75 |
33.55 |
|
|
|
| 5 |
33.17 |
|
|
|
| 5.25 |
31.96 |
|
|
|
| 5.5 |
31.47 |
|
|
|
| 5.75 |
30.27 |
|
|
|
| 6 |
29.43 |
|
|
|
| 6.25 |
27.46 |
|
|
|
| 6.5 |
25.09 |
|
|
|
| 6.75 |
23.97 |
|
|
|
| 7 |
22.77 |
|
|
|
| 7.25 |
20.93 |
|
|
|
| 7.5 |
20.28 |
|
|
|
| 7.75 |
19.79 |
|
|
|
| 8 |
19.42 |
|
|
|
| 8.25 |
19.22 |
|
|
|
| 8.5 |
19.88 |
|
|
|
| 8.75 |
21.02 |
|
|
|
| 9 |
20.03 |
|
|
|
| 9.25 |
19.91 |
|
|
|
| 9.5 |
20.64 |
|
|
|
| 9.75 |
23.67 |
|
|
|
| 10 |
23.49 |
|
|
|
Figure 6: Share of Borrowers who were 90 or More Days Past Due on a Credit Obligation by Foreclosure Cohort Panel (c) Subprime Historical Cohorts
| Years Relative to Foreclosure Period |
Delinquency Rate, 2000 Cohort |
Delinquency Rate, 2001 Cohort |
Delinquency Rate, 2002 Cohort |
Delinquency Rate, 2003 Cohort |
Delinquency Rate, 2004 Cohort |
Delinquency Rate, 2005 Cohort |
Delinquency Rate, 2006 Cohort |
| -7.75 |
|
|
|
|
|
|
34.55 |
| -7.5 |
|
|
|
|
|
|
33.37 |
| -7.25 |
|
|
|
|
|
|
32.18 |
| -7 |
|
|
|
|
|
|
31.17 |
| -6.75 |
|
|
|
|
|
31.98 |
30.33 |
| -6.5 |
|
|
|
|
|
30.95 |
30.68 |
| -6.25 |
|
|
|
|
|
29.39 |
30.87 |
| -6 |
|
|
|
|
|
29.13 |
31.39 |
| -5.75 |
|
|
|
|
29.65 |
28.32 |
32.10 |
| -5.5 |
|
|
|
|
28.42 |
28.53 |
33.01 |
| -5.25 |
|
|
|
|
27.42 |
28.51 |
33.68 |
| -5 |
|
|
|
|
26.09 |
29.38 |
34.44 |
| -4.75 |
|
|
|
28.97 |
25.75 |
29.45 |
34.86 |
| -4.5 |
|
|
|
27.49 |
25.75 |
30.02 |
35.30 |
| -4.25 |
|
|
|
26.21 |
26.29 |
31.15 |
35.63 |
| -4 |
|
|
|
25.85 |
27.20 |
32.00 |
35.95 |
| -3.75 |
|
|
25.49 |
25.52 |
27.68 |
32.97 |
36.09 |
| -3.5 |
|
|
25.79 |
25.58 |
28.46 |
32.93 |
35.75 |
| -3.25 |
|
|
25.34 |
26.10 |
29.34 |
33.65 |
35.95 |
| -3 |
|
|
26.58 |
27.16 |
30.91 |
34.24 |
36.21 |
| -2.75 |
|
28.63 |
26.17 |
27.84 |
32.25 |
35.11 |
36.34 |
| -2.5 |
|
28.86 |
26.66 |
29.75 |
33.31 |
35.64 |
36.53 |
| -2.25 |
|
29.06 |
28.08 |
31.94 |
35.17 |
36.40 |
37.10 |
| -2 |
|
30.27 |
30.48 |
34.31 |
37.30 |
37.79 |
37.09 |
| -1.75 |
35.53 |
31.51 |
32.80 |
36.89 |
38.99 |
38.92 |
37.79 |
| -1.5 |
36.26 |
33.42 |
35.28 |
40.11 |
41.45 |
41.43 |
38.52 |
| -1.25 |
39.42 |
37.66 |
40.26 |
44.17 |
45.00 |
44.43 |
40.44 |
| -1 |
42.65 |
43.20 |
45.98 |
49.42 |
49.53 |
47.95 |
43.48 |
| -0.75 |
47.11 |
49.45 |
53.42 |
54.78 |
54.75 |
52.50 |
47.55 |
| -0.5 |
55.94 |
59.63 |
62.51 |
62.85 |
62.54 |
59.57 |
55.20 |
| -0.25 |
77.77 |
81.51 |
80.75 |
81.05 |
79.65 |
76.91 |
74.18 |
| 0 |
97.34 |
97.58 |
98.47 |
98.49 |
98.10 |
97.36 |
97.45 |
| 0.25 |
85.89 |
87.14 |
89.02 |
88.94 |
88.21 |
85.67 |
86.40 |
| 0.5 |
81.21 |
83.70 |
84.06 |
84.58 |
84.05 |
80.88 |
82.48 |
| 0.75 |
78.80 |
81.18 |
81.61 |
82.52 |
80.90 |
77.60 |
79.86 |
| 1 |
76.50 |
79.31 |
80.42 |
80.90 |
77.56 |
75.72 |
77.84 |
| 1.25 |
75.59 |
77.62 |
79.62 |
79.50 |
74.68 |
74.11 |
76.31 |
| 1.5 |
74.22 |
76.74 |
78.21 |
77.46 |
72.38 |
72.68 |
75.06 |
| 1.75 |
73.12 |
75.31 |
77.28 |
74.94 |
70.76 |
71.44 |
73.25 |
| 2 |
72.03 |
74.71 |
76.60 |
72.43 |
70.17 |
69.57 |
71.48 |
| 2.25 |
70.54 |
74.44 |
75.17 |
69.69 |
69.49 |
68.25 |
69.83 |
| 2.5 |
68.97 |
73.51 |
73.32 |
67.93 |
68.11 |
67.25 |
67.77 |
| 2.75 |
68.32 |
72.85 |
71.61 |
66.89 |
66.56 |
65.56 |
67.01 |
| 3 |
68.44 |
71.72 |
69.22 |
66.60 |
65.12 |
64.32 |
66.65 |
| 3.25 |
68.21 |
71.26 |
66.19 |
65.11 |
64.25 |
63.07 |
66.09 |
| 3.5 |
67.14 |
69.56 |
64.66 |
63.21 |
63.68 |
61.05 |
65.35 |
| 3.75 |
66.46 |
67.41 |
63.60 |
62.10 |
61.96 |
60.82 |
63.72 |
| 4 |
66.17 |
65.09 |
62.61 |
60.28 |
60.45 |
60.36 |
62.76 |
| 4.25 |
64.58 |
62.27 |
61.47 |
59.14 |
58.41 |
59.73 |
|
| 4.5 |
62.85 |
60.72 |
59.86 |
58.64 |
56.51 |
58.86 |
|
| 4.75 |
61.32 |
59.21 |
58.03 |
56.47 |
56.01 |
57.50 |
|
| 5 |
59.21 |
58.29 |
56.41 |
54.91 |
55.30 |
56.46 |
|
| 5.25 |
55.72 |
56.74 |
55.53 |
53.04 |
54.34 |
|
|
| 5.5 |
54.02 |
54.97 |
54.83 |
50.42 |
53.47 |
|
|
| 5.75 |
52.15 |
52.60 |
52.20 |
49.06 |
51.68 |
|
|
| 6 |
50.09 |
50.20 |
49.97 |
48.73 |
49.92 |
|
|
| 6.25 |
48.12 |
47.90 |
47.56 |
47.05 |
|
|
|
| 6.5 |
45.85 |
45.37 |
44.42 |
45.05 |
|
|
|
| 6.75 |
43.96 |
43.45 |
43.71 |
44.36 |
|
|
|
| 7 |
42.00 |
42.38 |
42.74 |
43.84 |
|
|
|
| 7.25 |
41.11 |
41.79 |
42.47 |
|
|
|
|
| 7.5 |
40.68 |
41.30 |
42.54 |
|
|
|
|
| 7.75 |
40.46 |
41.34 |
42.93 |
|
|
|
|
| 8 |
40.15 |
42.10 |
43.95 |
|
|
|
|
| 8.25 |
40.01 |
41.74 |
|
|
|
|
|
| 8.5 |
39.62 |
42.01 |
|
|
|
|
|
| 8.75 |
40.37 |
41.68 |
|
|
|
|
|
| 9 |
40.82 |
43.13 |
|
|
|
|
|
| 9.25 |
40.80 |
|
|
|
|
|
|
| 9.5 |
40.81 |
|
|
|
|
|
|
| 9.75 |
40.90 |
|
|
|
|
|
|
| 10 |
41.53 |
|
|
|
|
|
|
Figure 6: Share of Borrowers who were 90 or More Days Past Due on a Credit Obligation by Foreclosure Cohort Panel (d) Subprime Recent Cohorts
| Years Relative to Foreclosure Period |
Delinquency Rate, Historical Cohorts |
Delinquency Rate, 2007 Cohort |
Delinquency Rate, 2008 Cohort |
Delinquency Rate, 2009 Cohort |
| -10.75 |
|
|
|
27.49 |
| -10.5 |
|
|
|
26.80 |
| -10.25 |
|
|
|
26.64 |
| -10 |
|
|
|
26.33 |
| -9.75 |
|
|
31.19 |
25.75 |
| -9.5 |
|
|
30.20 |
25.71 |
| -9.25 |
|
|
29.67 |
25.98 |
| -9 |
|
|
29.35 |
26.72 |
| -8.75 |
|
33.29 |
28.50 |
27.21 |
| -8.5 |
|
33.09 |
28.37 |
27.63 |
| -8.25 |
|
32.14 |
28.64 |
27.84 |
| -8 |
|
31.45 |
29.50 |
28.27 |
| -7.75 |
34.55 |
30.51 |
29.80 |
29.15 |
| -7.5 |
33.37 |
30.70 |
30.24 |
29.19 |
| -7.25 |
32.18 |
31.19 |
31.12 |
29.30 |
| -7 |
31.17 |
31.98 |
31.52 |
29.27 |
| -6.75 |
30.62 |
32.82 |
32.16 |
29.18 |
| -6.5 |
30.76 |
33.31 |
32.18 |
28.92 |
| -6.25 |
30.32 |
33.79 |
32.52 |
28.90 |
| -6 |
30.36 |
34.55 |
32.69 |
28.90 |
| -5.75 |
30.31 |
35.31 |
32.46 |
29.09 |
| -5.5 |
30.49 |
35.30 |
32.48 |
28.62 |
| -5.25 |
30.30 |
35.66 |
32.04 |
28.46 |
| -5 |
30.15 |
35.93 |
32.01 |
27.50 |
| -4.75 |
30.10 |
35.66 |
31.85 |
27.10 |
| -4.5 |
30.10 |
35.40 |
31.47 |
26.14 |
| -4.25 |
30.23 |
35.07 |
30.96 |
25.41 |
| -4 |
30.42 |
34.92 |
30.50 |
24.24 |
| -3.75 |
30.45 |
34.89 |
30.00 |
23.07 |
| -3.5 |
30.36 |
34.41 |
28.92 |
22.44 |
| -3.25 |
30.64 |
34.34 |
27.77 |
22.24 |
| -3 |
31.25 |
33.74 |
26.48 |
22.29 |
| -2.75 |
31.68 |
33.27 |
25.60 |
22.23 |
| -2.5 |
32.37 |
32.41 |
25.04 |
22.61 |
| -2.25 |
33.51 |
31.46 |
25.30 |
23.25 |
| -2 |
34.94 |
31.19 |
26.04 |
24.29 |
| -1.75 |
36.52 |
31.11 |
26.59 |
26.31 |
| -1.5 |
38.62 |
32.20 |
28.42 |
29.55 |
| -1.25 |
42.07 |
33.82 |
31.18 |
33.75 |
| -1 |
46.37 |
37.41 |
35.18 |
39.72 |
| -0.75 |
51.66 |
42.08 |
41.58 |
47.23 |
| -0.5 |
59.90 |
50.75 |
52.21 |
59.12 |
| -0.25 |
78.66 |
73.09 |
76.85 |
82.75 |
| 0 |
97.86 |
97.42 |
97.91 |
98.43 |
| 0.25 |
87.41 |
89.24 |
90.23 |
91.62 |
| 0.5 |
83.08 |
85.27 |
85.43 |
87.41 |
| 0.75 |
80.42 |
82.02 |
83.11 |
84.35 |
| 1 |
78.37 |
79.80 |
81.79 |
82.36 |
| 1.25 |
76.78 |
78.19 |
80.41 |
|
| 1.5 |
75.21 |
76.37 |
79.36 |
|
| 1.75 |
73.63 |
75.23 |
78.04 |
|
| 2 |
72.28 |
74.40 |
76.22 |
|
| 2.25 |
70.86 |
73.64 |
|
|
| 2.5 |
69.32 |
72.45 |
|
|
| 2.75 |
68.13 |
72.40 |
|
|
| 3 |
67.14 |
70.58 |
|
|
| 3.25 |
65.96 |
|
|
|
| 3.5 |
64.59 |
|
|
|
| 3.75 |
63.35 |
|
|
|
| 4 |
62.10 |
|
|
|
| 4.25 |
60.56 |
|
|
|
| 4.5 |
59.25 |
|
|
|
| 4.75 |
57.80 |
|
|
|
| 5 |
56.49 |
|
|
|
| 5.25 |
54.88 |
|
|
|
| 5.5 |
53.37 |
|
|
|
| 5.75 |
51.37 |
|
|
|
| 6 |
49.68 |
|
|
|
| 6.25 |
47.59 |
|
|
|
| 6.5 |
45.10 |
|
|
|
| 6.75 |
43.81 |
|
|
|
| 7 |
42.56 |
|
|
|
| 7.25 |
41.87 |
|
|
|
| 7.5 |
41.52 |
|
|
|
| 7.75 |
41.46 |
|
|
|
| 8 |
41.69 |
|
|
|
| 8.25 |
40.90 |
|
|
|
| 8.5 |
40.67 |
|
|
|
| 8.75 |
40.81 |
|
|
|
| 9 |
41.30 |
|
|
|
| 9.25 |
40.80 |
|
|
|
| 9.5 |
40.81 |
|
|
|
| 9.75 |
40.90 |
|
|
|
| 10 |
41.53 |
|
|
|
Figure 7: Share of Credit Card Borrowers 90 or More Days Past Due on at Least One Credit Card Account Panel (a) Prime Historical Cohorts
| Years Relative to Foreclosure Period |
Delinquency Rate, 2000 Cohort |
Delinquency Rate, 2001 Cohort |
Delinquency Rate, 2002 Cohort |
Delinquency Rate, 2003 Cohort |
Delinquency Rate, 2004 Cohort |
Delinquency Rate, 2005 Cohort |
Delinquency Rate, 2006 Cohort |
| -7.75 |
|
|
|
|
|
|
8.79 |
| -7.5 |
|
|
|
|
|
|
9.58 |
| -7.25 |
|
|
|
|
|
|
9.53 |
| -7 |
|
|
|
|
|
|
8.24 |
| -6.75 |
|
|
|
|
|
7.77 |
8.05 |
| -6.5 |
|
|
|
|
|
7.56 |
7.67 |
| -6.25 |
|
|
|
|
|
6.99 |
6.91 |
| -6 |
|
|
|
|
|
6.46 |
7.31 |
| -5.75 |
|
|
|
|
6.58 |
5.56 |
7.19 |
| -5.5 |
|
|
|
|
5.03 |
5.62 |
7.75 |
| -5.25 |
|
|
|
|
5.94 |
5.78 |
7.83 |
| -5 |
|
|
|
|
5.04 |
5.42 |
7.57 |
| -4.75 |
|
|
|
6.59 |
4.89 |
5.92 |
7.83 |
| -4.5 |
|
|
|
6.24 |
4.59 |
5.93 |
7.44 |
| -4.25 |
|
|
|
5.67 |
4.16 |
6.07 |
7.09 |
| -4 |
|
|
|
4.93 |
4.53 |
5.96 |
7.18 |
| -3.75 |
|
|
2.88 |
4.42 |
4.16 |
5.89 |
6.95 |
| -3.5 |
|
|
2.92 |
4.02 |
4.32 |
5.44 |
6.06 |
| -3.25 |
|
|
2.85 |
3.46 |
5.07 |
4.69 |
5.43 |
| -3 |
|
|
3.12 |
3.28 |
4.61 |
4.96 |
4.98 |
| -2.75 |
|
5.05 |
2.80 |
3.27 |
4.66 |
4.82 |
4.73 |
| -2.5 |
|
3.38 |
3.39 |
3.21 |
4.36 |
4.37 |
4.74 |
| -2.25 |
|
3.12 |
3.35 |
4.64 |
3.91 |
3.96 |
4.73 |
| -2 |
|
2.01 |
2.96 |
4.30 |
3.91 |
3.80 |
5.18 |
| -1.75 |
2.94 |
2.16 |
2.84 |
4.47 |
3.93 |
3.80 |
4.68 |
| -1.5 |
1.17 |
2.13 |
2.68 |
4.42 |
3.88 |
4.20 |
4.75 |
| -1.25 |
1.85 |
2.52 |
3.50 |
5.02 |
4.39 |
4.94 |
4.78 |
| -1 |
1.76 |
3.14 |
5.42 |
6.09 |
5.88 |
6.97 |
4.90 |
| -0.75 |
3.49 |
5.49 |
8.13 |
7.53 |
8.45 |
8.59 |
5.37 |
| -0.5 |
7.38 |
9.96 |
13.70 |
12.02 |
13.36 |
13.32 |
9.31 |
| -0.25 |
15.21 |
18.32 |
22.33 |
22.38 |
23.15 |
22.87 |
17.97 |
| 0 |
22.31 |
29.54 |
32.06 |
33.75 |
36.03 |
32.79 |
29.28 |
| 0.25 |
24.31 |
33.39 |
35.42 |
37.54 |
38.78 |
34.03 |
33.83 |
| 0.5 |
26.92 |
32.79 |
35.22 |
37.11 |
38.44 |
34.07 |
35.37 |
| 0.75 |
28.35 |
31.87 |
34.45 |
36.35 |
38.70 |
32.76 |
36.85 |
| 1 |
27.89 |
31.01 |
34.23 |
37.46 |
36.57 |
32.27 |
36.96 |
| 1.25 |
28.59 |
30.48 |
35.10 |
37.85 |
33.60 |
33.04 |
37.03 |
| 1.5 |
27.19 |
29.06 |
34.15 |
36.67 |
30.55 |
32.30 |
36.35 |
| 1.75 |
26.46 |
28.35 |
33.54 |
35.76 |
29.88 |
31.55 |
35.10 |
| 2 |
26.23 |
28.15 |
33.84 |
33.18 |
30.50 |
29.00 |
34.39 |
| 2.25 |
25.58 |
28.31 |
34.25 |
29.33 |
29.51 |
27.94 |
32.74 |
| 2.5 |
25.21 |
27.11 |
33.89 |
27.70 |
28.95 |
29.16 |
31.23 |
| 2.75 |
24.59 |
27.27 |
32.58 |
28.70 |
29.26 |
29.21 |
31.28 |
| 3 |
25.27 |
29.61 |
30.06 |
28.23 |
25.50 |
27.91 |
30.51 |
| 3.25 |
24.68 |
30.37 |
26.65 |
28.59 |
24.79 |
26.69 |
29.97 |
| 3.5 |
26.28 |
29.12 |
25.29 |
27.04 |
26.21 |
24.20 |
29.27 |
| 3.75 |
25.24 |
26.33 |
24.82 |
26.35 |
24.82 |
24.27 |
28.62 |
| 4 |
26.19 |
24.72 |
25.43 |
24.48 |
24.69 |
23.33 |
29.46 |
| 4.25 |
27.07 |
23.43 |
26.21 |
23.35 |
23.25 |
23.58 |
|
| 4.5 |
25.69 |
22.19 |
25.05 |
24.90 |
20.72 |
22.92 |
|
| 4.75 |
22.84 |
21.48 |
23.73 |
23.53 |
21.50 |
23.83 |
|
| 5 |
22.71 |
22.29 |
22.47 |
23.58 |
21.58 |
23.57 |
|
| 5.25 |
19.85 |
21.69 |
21.14 |
21.97 |
21.73 |
|
|
| 5.5 |
18.11 |
21.32 |
22.78 |
20.04 |
21.51 |
|
|
| 5.75 |
18.48 |
20.10 |
21.49 |
20.22 |
22.86 |
|
|
| 6 |
18.19 |
18.48 |
20.54 |
18.78 |
22.44 |
|
|
| 6.25 |
17.17 |
18.28 |
19.94 |
17.54 |
|
|
|
| 6.5 |
16.08 |
19.32 |
17.51 |
15.24 |
|
|
|
| 6.75 |
14.97 |
16.70 |
16.33 |
14.84 |
|
|
|
| 7 |
14.37 |
14.45 |
15.55 |
17.27 |
|
|
|
| 7.25 |
13.67 |
13.46 |
15.06 |
|
|
|
|
| 7.5 |
13.78 |
11.88 |
15.05 |
|
|
|
|
| 7.75 |
12.88 |
12.83 |
14.10 |
|
|
|
|
| 8 |
12.73 |
13.14 |
15.03 |
|
|
|
|
| 8.25 |
12.87 |
12.96 |
|
|
|
|
|
| 8.5 |
13.53 |
13.52 |
|
|
|
|
|
| 8.75 |
14.45 |
14.26 |
|
|
|
|
|
| 9 |
13.17 |
15.64 |
|
|
|
|
|
| 9.25 |
12.79 |
|
|
|
|
|
|
| 9.5 |
13.94 |
|
|
|
|
|
|
| 9.75 |
16.79 |
|
|
|
|
|
|
| 10 |
12.00 |
|
|
|
|
|
|
Figure 7: Share of Credit Card Borrowers 90 or More Days Past Due on at Least One Credit Card Account Panel (b) Prime, Recent Cohorts
| Years Relative to Foreclosure Period |
Delinquency Rate, Historical Cohorts |
Delinquency Rate, 2007 Cohort |
Delinquency Rate, 2008 Cohort |
Delinquency Rate, 2009 Cohort |
| -10.75 |
|
|
|
6.91 |
| -10.5 |
|
|
|
6.22 |
| -10.25 |
|
|
|
6.54 |
| -10 |
|
|
|
6.78 |
| -9.75 |
|
|
8.10 |
6.69 |
| -9.5 |
|
|
8.45 |
6.48 |
| -9.25 |
|
|
8.42 |
6.22 |
| -9 |
|
|
8.18 |
6.10 |
| -8.75 |
|
7.99 |
8.09 |
6.07 |
| -8.5 |
|
9.18 |
7.64 |
6.32 |
| -8.25 |
|
8.98 |
7.43 |
6.61 |
| -8 |
|
8.97 |
7.56 |
7.03 |
| -7.75 |
8.79 |
8.71 |
7.64 |
7.15 |
| -7.5 |
9.58 |
8.22 |
7.82 |
7.18 |
| -7.25 |
9.53 |
8.10 |
8.37 |
6.86 |
| -7 |
8.24 |
7.87 |
8.16 |
6.76 |
| -6.75 |
8.01 |
7.55 |
8.44 |
6.64 |
| -6.5 |
7.64 |
7.79 |
8.09 |
6.38 |
| -6.25 |
6.94 |
8.09 |
7.70 |
6.19 |
| -6 |
6.95 |
7.93 |
7.67 |
5.79 |
| -5.75 |
6.51 |
7.96 |
7.36 |
5.59 |
| -5.5 |
6.54 |
7.95 |
6.78 |
5.36 |
| -5.25 |
6.72 |
7.51 |
6.41 |
5.20 |
| -5 |
6.19 |
7.32 |
5.90 |
5.09 |
| -4.75 |
6.42 |
6.81 |
5.72 |
4.92 |
| -4.5 |
6.16 |
6.67 |
5.34 |
4.58 |
| -4.25 |
5.89 |
6.09 |
5.05 |
4.24 |
| -4 |
5.83 |
5.73 |
5.03 |
3.56 |
| -3.75 |
5.44 |
5.60 |
4.95 |
2.84 |
| -3.5 |
4.94 |
5.18 |
4.51 |
2.46 |
| -3.25 |
4.59 |
5.12 |
3.96 |
2.30 |
| -3 |
4.35 |
5.01 |
3.21 |
2.20 |
| -2.75 |
4.23 |
4.93 |
2.50 |
2.10 |
| -2.5 |
4.09 |
4.36 |
1.97 |
1.99 |
| -2.25 |
4.11 |
3.87 |
1.92 |
1.91 |
| -2 |
3.96 |
3.39 |
1.88 |
1.69 |
| -1.75 |
3.84 |
3.03 |
1.83 |
1.58 |
| -1.5 |
3.79 |
2.76 |
1.79 |
1.71 |
| -1.25 |
4.23 |
2.80 |
1.92 |
1.87 |
| -1 |
5.25 |
3.51 |
2.13 |
2.49 |
| -0.75 |
6.94 |
4.28 |
2.91 |
3.57 |
| -0.5 |
11.51 |
6.80 |
4.95 |
6.50 |
| -0.25 |
20.65 |
13.80 |
10.83 |
13.04 |
| 0 |
31.45 |
25.84 |
21.95 |
23.17 |
| 0.25 |
34.61 |
33.60 |
30.33 |
29.81 |
| 0.5 |
34.98 |
37.98 |
34.38 |
32.90 |
| 0.75 |
34.97 |
39.12 |
36.94 |
35.20 |
| 1 |
34.54 |
39.18 |
38.46 |
38.22 |
| 1.25 |
34.35 |
39.69 |
39.03 |
|
| 1.5 |
33.04 |
39.50 |
39.92 |
|
| 1.75 |
32.19 |
39.71 |
40.17 |
|
| 2 |
31.33 |
39.25 |
39.18 |
|
| 2.25 |
30.09 |
38.44 |
|
|
| 2.5 |
29.44 |
37.52 |
|
|
| 2.75 |
29.43 |
35.30 |
|
|
| 3 |
28.30 |
33.62 |
|
|
| 3.25 |
27.49 |
|
|
|
| 3.5 |
26.64 |
|
|
|
| 3.75 |
25.56 |
|
|
|
| 4 |
24.92 |
|
|
|
| 4.25 |
24.28 |
|
|
|
| 4.5 |
23.44 |
|
|
|
| 4.75 |
22.77 |
|
|
|
| 5 |
22.57 |
|
|
|
| 5.25 |
21.38 |
|
|
|
| 5.5 |
20.89 |
|
|
|
| 5.75 |
20.59 |
|
|
|
| 6 |
19.37 |
|
|
|
| 6.25 |
18.33 |
|
|
|
| 6.5 |
17.12 |
|
|
|
| 6.75 |
15.86 |
|
|
|
| 7 |
15.09 |
|
|
|
| 7.25 |
14.15 |
|
|
|
| 7.5 |
13.53 |
|
|
|
| 7.75 |
13.18 |
|
|
|
| 8 |
13.30 |
|
|
|
| 8.25 |
12.91 |
|
|
|
| 8.5 |
13.53 |
|
|
|
| 8.75 |
14.38 |
|
|
|
| 9 |
13.73 |
|
|
|
| 9.25 |
12.79 |
|
|
|
| 9.5 |
13.94 |
|
|
|
| 9.75 |
16.79 |
|
|
|
| 10 |
12.00 |
|
|
|
Figure 7: Share of Credit Card Borrowers 90 or More Days Past Due on at Least One Credit Card Account Panel (c) Subprime Historical Cohorts
| Years Relative to Foreclosure Period |
Delinquency Rate, 2000 Cohort |
Delinquency Rate, 2001 Cohort |
Delinquency Rate, 2002 Cohort |
Delinquency Rate, 2003 Cohort |
Delinquency Rate, 2004 Cohort |
Delinquency Rate, 2005 Cohort |
Delinquency Rate, 2006 Cohort |
| -7.75 |
|
|
|
|
|
|
23.14 |
| -7.5 |
|
|
|
|
|
|
22.78 |
| -7.25 |
|
|
|
|
|
|
22.30 |
| -7 |
|
|
|
|
|
|
21.51 |
| -6.75 |
|
|
|
|
|
21.64 |
21.30 |
| -6.5 |
|
|
|
|
|
20.51 |
21.72 |
| -6.25 |
|
|
|
|
|
20.18 |
21.33 |
| -6 |
|
|
|
|
|
20.13 |
21.63 |
| -5.75 |
|
|
|
|
19.50 |
20.11 |
22.08 |
| -5.5 |
|
|
|
|
19.12 |
20.09 |
23.46 |
| -5.25 |
|
|
|
|
18.31 |
19.75 |
25.19 |
| -5 |
|
|
|
|
17.52 |
20.35 |
26.59 |
| -4.75 |
|
|
|
18.20 |
17.74 |
19.95 |
27.76 |
| -4.5 |
|
|
|
18.20 |
17.89 |
21.01 |
28.79 |
| -4.25 |
|
|
|
17.93 |
18.27 |
22.78 |
29.33 |
| -4 |
|
|
|
17.52 |
18.87 |
24.35 |
29.99 |
| -3.75 |
|
|
15.84 |
17.81 |
18.86 |
26.03 |
29.85 |
| -3.5 |
|
|
16.81 |
18.20 |
19.91 |
26.42 |
29.95 |
| -3.25 |
|
|
16.98 |
18.33 |
21.97 |
27.58 |
29.84 |
| -3 |
|
|
18.45 |
19.35 |
23.64 |
28.88 |
30.19 |
| -2.75 |
|
19.24 |
18.30 |
19.59 |
25.89 |
29.32 |
30.60 |
| -2.5 |
|
20.94 |
19.02 |
21.75 |
27.02 |
29.94 |
31.69 |
| -2.25 |
|
20.94 |
20.33 |
24.62 |
29.23 |
30.56 |
32.62 |
| -2 |
|
22.11 |
22.22 |
27.36 |
31.42 |
31.67 |
33.27 |
| -1.75 |
26.76 |
23.69 |
23.72 |
30.81 |
33.49 |
33.80 |
33.96 |
| -1.5 |
27.81 |
26.16 |
26.57 |
34.09 |
36.02 |
36.20 |
34.78 |
| -1.25 |
30.00 |
28.95 |
31.60 |
38.02 |
39.54 |
39.50 |
35.55 |
| -1 |
33.16 |
33.49 |
37.31 |
43.35 |
43.94 |
43.39 |
37.86 |
| -0.75 |
37.39 |
38.81 |
45.03 |
48.26 |
49.59 |
48.26 |
41.09 |
| -0.5 |
43.49 |
47.36 |
53.65 |
55.66 |
57.01 |
53.78 |
46.78 |
| -0.25 |
52.07 |
58.96 |
63.06 |
63.40 |
66.56 |
62.26 |
55.51 |
| 0 |
58.83 |
66.48 |
69.93 |
70.65 |
73.48 |
68.83 |
64.95 |
| 0.25 |
61.74 |
69.70 |
72.16 |
73.76 |
75.92 |
68.49 |
67.97 |
| 0.5 |
62.36 |
70.28 |
72.17 |
74.83 |
75.99 |
67.56 |
68.47 |
| 0.75 |
63.07 |
69.89 |
71.98 |
75.15 |
73.85 |
65.87 |
68.22 |
| 1 |
62.06 |
69.73 |
70.86 |
75.39 |
70.28 |
65.40 |
67.10 |
| 1.25 |
63.21 |
67.79 |
71.31 |
74.64 |
65.89 |
64.11 |
65.18 |
| 1.5 |
62.10 |
66.04 |
70.22 |
72.32 |
62.84 |
62.53 |
63.98 |
| 1.75 |
61.93 |
64.18 |
70.87 |
69.52 |
61.68 |
61.08 |
61.77 |
| 2 |
60.71 |
64.15 |
70.72 |
65.38 |
61.57 |
58.21 |
59.82 |
| 2.25 |
58.73 |
64.93 |
69.79 |
60.56 |
60.04 |
55.65 |
58.13 |
| 2.5 |
57.87 |
64.83 |
67.80 |
58.26 |
58.17 |
55.26 |
55.17 |
| 2.75 |
56.59 |
65.12 |
65.08 |
57.11 |
56.04 |
53.19 |
54.31 |
| 3 |
56.04 |
64.95 |
61.42 |
56.64 |
52.97 |
51.70 |
53.01 |
| 3.25 |
57.04 |
64.72 |
56.25 |
55.57 |
51.48 |
50.53 |
52.38 |
| 3.5 |
57.03 |
62.44 |
53.53 |
53.69 |
51.27 |
47.76 |
51.60 |
| 3.75 |
57.39 |
59.61 |
52.81 |
51.90 |
49.36 |
47.63 |
49.30 |
| 4 |
57.53 |
55.85 |
52.34 |
48.79 |
48.49 |
46.86 |
48.25 |
| 4.25 |
56.78 |
51.99 |
51.23 |
47.05 |
46.31 |
46.23 |
|
| 4.5 |
54.93 |
49.85 |
49.66 |
46.85 |
43.26 |
45.38 |
|
| 4.75 |
53.04 |
48.59 |
48.48 |
44.85 |
41.97 |
44.09 |
|
| 5 |
50.27 |
48.64 |
45.89 |
43.22 |
41.08 |
42.45 |
|
| 5.25 |
45.82 |
47.71 |
43.78 |
41.18 |
39.39 |
|
|
| 5.5 |
44.01 |
45.57 |
43.11 |
37.97 |
38.78 |
|
|
| 5.75 |
42.77 |
43.03 |
40.43 |
35.95 |
36.70 |
|
|
| 6 |
41.66 |
39.89 |
37.84 |
34.67 |
34.79 |
|
|
| 6.25 |
40.23 |
37.53 |
35.28 |
32.29 |
|
|
|
| 6.5 |
37.88 |
35.89 |
31.97 |
30.55 |
|
|
|
| 6.75 |
36.42 |
33.61 |
30.91 |
29.96 |
|
|
|
| 7 |
34.54 |
32.26 |
30.54 |
29.47 |
|
|
|
| 7.25 |
33.01 |
31.35 |
30.03 |
|
|
|
|
| 7.5 |
32.58 |
31.10 |
30.09 |
|
|
|
|
| 7.75 |
31.95 |
30.60 |
30.20 |
|
|
|
|
| 8 |
31.98 |
30.35 |
30.77 |
|
|
|
|
| 8.25 |
30.87 |
30.09 |
|
|
|
|
|
| 8.5 |
29.54 |
29.83 |
|
|
|
|
|
| 8.75 |
29.83 |
29.39 |
|
|
|
|
|
| 9 |
29.84 |
29.99 |
|
|
|
|
|
| 9.25 |
28.92 |
|
|
|
|
|
|
| 9.5 |
28.81 |
|
|
|
|
|
|
| 9.75 |
29.17 |
|
|
|
|
|
|
| 10 |
29.98 |
|
|
|
|
|
|
Figure 7: Share of Credit Card Borrowers 90 or More Days Past Due on at Least One Credit Card Account Panel (d) Subprime, Recent Cohorts
| Years Relative to Foreclosure Period |
Delinquency Rate, Historical Cohorts |
Delinquency Rate, 2007 Cohort |
Delinquency Rate, 2008 Cohort |
Delinquency Rate, 2009 Cohort |
| -10.75 |
|
|
|
17.74 |
| -10.5 |
|
|
|
17.38 |
| -10.25 |
|
|
|
18.14 |
| -10 |
|
|
|
17.89 |
| -9.75 |
|
|
20.26 |
17.81 |
| -9.5 |
|
|
19.87 |
18.05 |
| -9.25 |
|
|
19.96 |
17.79 |
| -9 |
|
|
19.82 |
17.94 |
| -8.75 |
|
22.57 |
19.86 |
18.01 |
| -8.5 |
|
22.36 |
19.83 |
18.89 |
| -8.25 |
|
22.32 |
19.48 |
19.76 |
| -8 |
|
22.23 |
19.91 |
20.89 |
| -7.75 |
23.14 |
21.37 |
19.60 |
22.38 |
| -7.5 |
22.78 |
21.48 |
20.68 |
22.63 |
| -7.25 |
22.30 |
21.40 |
22.22 |
22.82 |
| -7 |
21.51 |
21.64 |
23.52 |
23.22 |
| -6.75 |
21.35 |
22.05 |
24.91 |
22.86 |
| -6.5 |
21.38 |
23.33 |
25.28 |
22.55 |
| -6.25 |
20.91 |
25.12 |
25.91 |
22.28 |
| -6 |
20.97 |
26.22 |
26.54 |
22.28 |
| -5.75 |
21.03 |
27.62 |
26.28 |
22.72 |
| -5.5 |
21.44 |
27.92 |
26.22 |
22.49 |
| -5.25 |
21.65 |
28.52 |
25.70 |
22.82 |
| -5 |
21.83 |
29.36 |
25.54 |
22.50 |
| -4.75 |
21.90 |
28.97 |
25.77 |
22.30 |
| -4.5 |
22.31 |
29.03 |
25.71 |
21.44 |
| -4.25 |
22.72 |
28.30 |
25.89 |
20.46 |
| -4 |
23.04 |
28.24 |
25.73 |
18.79 |
| -3.75 |
23.06 |
28.53 |
25.43 |
17.25 |
| -3.5 |
23.23 |
28.46 |
24.47 |
16.36 |
| -3.25 |
23.70 |
28.83 |
22.89 |
16.17 |
| -3 |
24.43 |
28.67 |
21.01 |
16.31 |
| -2.75 |
24.91 |
28.65 |
19.60 |
16.63 |
| -2.5 |
25.89 |
27.48 |
18.84 |
16.88 |
| -2.25 |
27.20 |
26.11 |
18.95 |
17.36 |
| -2 |
28.65 |
25.31 |
19.64 |
18.12 |
| -1.75 |
30.46 |
24.60 |
20.30 |
19.54 |
| -1.5 |
32.65 |
25.37 |
21.69 |
22.16 |
| -1.25 |
35.65 |
26.90 |
23.82 |
25.37 |
| -1 |
39.69 |
30.27 |
26.61 |
29.38 |
| -0.75 |
44.81 |
34.21 |
31.44 |
34.55 |
| -0.5 |
51.80 |
40.58 |
38.50 |
42.15 |
| -0.25 |
60.86 |
50.88 |
48.65 |
52.14 |
| 0 |
68.24 |
61.13 |
58.12 |
60.03 |
| 0.25 |
70.60 |
65.80 |
62.25 |
63.00 |
| 0.5 |
70.86 |
67.43 |
63.30 |
64.02 |
| 0.75 |
70.25 |
66.46 |
64.00 |
63.96 |
| 1 |
69.15 |
65.44 |
64.87 |
64.53 |
| 1.25 |
67.75 |
64.62 |
64.76 |
|
| 1.5 |
65.97 |
62.63 |
64.10 |
|
| 1.75 |
64.61 |
61.83 |
63.02 |
|
| 2 |
63.02 |
60.74 |
61.99 |
|
| 2.25 |
61.12 |
59.82 |
|
|
| 2.5 |
59.52 |
58.97 |
|
|
| 2.75 |
58.04 |
57.81 |
|
|
| 3 |
56.42 |
55.28 |
|
|
| 3.25 |
55.05 |
|
|
|
| 3.5 |
53.61 |
|
|
|
| 3.75 |
52.40 |
|
|
|
| 4 |
51.07 |
|
|
|
| 4.25 |
49.51 |
|
|
|
| 4.5 |
48.04 |
|
|
|
| 4.75 |
46.69 |
|
|
|
| 5 |
45.25 |
|
|
|
| 5.25 |
43.26 |
|
|
|
| 5.5 |
41.79 |
|
|
|
| 5.75 |
39.83 |
|
|
|
| 6 |
38.02 |
|
|
|
| 6.25 |
36.06 |
|
|
|
| 6.5 |
34.04 |
|
|
|
| 6.75 |
32.91 |
|
|
|
| 7 |
32.07 |
|
|
|
| 7.25 |
31.39 |
|
|
|
| 7.5 |
31.31 |
|
|
|
| 7.75 |
31.03 |
|
|
|
| 8 |
31.13 |
|
|
|
| 8.25 |
30.50 |
|
|
|
| 8.5 |
29.66 |
|
|
|
| 8.75 |
29.69 |
|
|
|
| 9 |
29.87 |
|
|
|
| 9.25 |
28.92 |
|
|
|
| 9.5 |
28.81 |
|
|
|
| 9.75 |
29.17 |
|
|
|
| 10 |
29.98 |
|
|
|
Figure 8: Share of Auto Loan Borrowers 90 or More Days Past Due on at Least One Auto Loan Panel (a) Prime Historical Cohorts
| Years Relative to Foreclosure Period |
Delinquency Rate, 2000 Cohort |
Delinquency Rate, 2001 Cohort |
Delinquency Rate, 2002 Cohort |
Delinquency Rate, 2003 Cohort |
Delinquency Rate, 2004 Cohort |
Delinquency Rate, 2005 Cohort |
Delinquency Rate, 2006 Cohort |
| -7.75 |
|
|
|
|
|
|
1.85 |
| -7.5 |
|
|
|
|
|
|
2.97 |
| -7.25 |
|
|
|
|
|
|
2.75 |
| -7 |
|
|
|
|
|
|
2.55 |
| -6.75 |
|
|
|
|
|
2.50 |
2.63 |
| -6.5 |
|
|
|
|
|
1.48 |
2.83 |
| -6.25 |
|
|
|
|
|
2.17 |
2.45 |
| -6 |
|
|
|
|
|
2.11 |
1.99 |
| -5.75 |
|
|
|
|
0.93 |
2.09 |
2.59 |
| -5.5 |
|
|
|
|
1.04 |
1.36 |
2.15 |
| -5.25 |
|
|
|
|
1.04 |
1.55 |
2.09 |
| -5 |
|
|
|
|
1.02 |
1.62 |
2.00 |
| -4.75 |
|
|
|
0.00 |
1.01 |
2.10 |
1.38 |
| -4.5 |
|
|
|
0.87 |
0.86 |
1.64 |
1.51 |
| -4.25 |
|
|
|
0.62 |
0.82 |
2.06 |
1.27 |
| -4 |
|
|
|
0.63 |
0.70 |
1.81 |
1.39 |
| -3.75 |
|
|
1.99 |
0.75 |
0.88 |
1.44 |
1.63 |
| -3.5 |
|
|
1.09 |
0.72 |
1.43 |
1.51 |
1.65 |
| -3.25 |
|
|
1.93 |
0.41 |
1.16 |
1.28 |
1.45 |
| -3 |
|
|
0.95 |
0.66 |
1.10 |
1.25 |
2.24 |
| -2.75 |
|
2.06 |
1.43 |
0.38 |
1.21 |
1.47 |
1.94 |
| -2.5 |
|
2.86 |
0.93 |
0.38 |
0.98 |
1.60 |
1.62 |
| -2.25 |
|
1.34 |
0.92 |
0.51 |
1.32 |
1.20 |
1.40 |
| -2 |
|
0.73 |
0.88 |
0.88 |
0.93 |
1.28 |
1.12 |
| -1.75 |
0.81 |
0.69 |
0.70 |
0.97 |
0.73 |
0.83 |
1.29 |
| -1.5 |
0.00 |
0.22 |
0.42 |
0.71 |
0.80 |
0.79 |
1.33 |
| -1.25 |
0.33 |
1.08 |
0.41 |
0.93 |
1.50 |
1.34 |
1.50 |
| -1 |
1.23 |
0.81 |
0.82 |
1.27 |
1.66 |
1.04 |
1.87 |
| -0.75 |
1.26 |
2.54 |
1.99 |
1.78 |
2.88 |
1.97 |
1.89 |
| -0.5 |
3.96 |
4.62 |
3.48 |
2.96 |
4.47 |
3.52 |
3.77 |
| -0.25 |
4.73 |
6.88 |
8.63 |
7.73 |
8.86 |
8.00 |
7.81 |
| 0 |
8.43 |
11.31 |
12.42 |
14.12 |
13.66 |
13.67 |
12.51 |
| 0.25 |
8.88 |
12.72 |
16.09 |
17.19 |
17.30 |
15.82 |
15.30 |
| 0.5 |
9.60 |
14.76 |
18.49 |
18.18 |
16.65 |
18.13 |
17.04 |
| 0.75 |
10.02 |
13.26 |
17.81 |
17.99 |
17.02 |
18.46 |
18.99 |
| 1 |
11.63 |
14.29 |
17.11 |
17.72 |
17.72 |
18.37 |
19.70 |
| 1.25 |
11.89 |
12.12 |
16.61 |
16.12 |
17.11 |
19.05 |
19.89 |
| 1.5 |
10.89 |
14.38 |
17.17 |
16.06 |
16.87 |
19.35 |
20.26 |
| 1.75 |
9.57 |
14.29 |
16.67 |
15.50 |
16.87 |
17.88 |
19.60 |
| 2 |
9.42 |
13.04 |
16.14 |
15.23 |
17.69 |
18.46 |
19.26 |
| 2.25 |
9.79 |
12.15 |
15.28 |
14.11 |
16.88 |
17.44 |
18.66 |
| 2.5 |
11.80 |
12.15 |
14.51 |
14.57 |
15.84 |
16.96 |
18.66 |
| 2.75 |
10.83 |
11.18 |
15.37 |
14.78 |
16.93 |
16.02 |
19.24 |
| 3 |
11.24 |
10.99 |
13.41 |
13.50 |
16.29 |
16.16 |
20.63 |
| 3.25 |
10.91 |
11.83 |
12.02 |
13.60 |
15.39 |
14.95 |
20.61 |
| 3.5 |
10.46 |
11.89 |
11.82 |
12.85 |
15.59 |
14.97 |
18.69 |
| 3.75 |
10.98 |
11.36 |
11.88 |
13.19 |
15.81 |
14.98 |
18.64 |
| 4 |
10.00 |
11.22 |
12.30 |
13.42 |
15.18 |
15.58 |
19.31 |
| 4.25 |
8.87 |
10.52 |
12.75 |
13.03 |
13.90 |
15.38 |
|
| 4.5 |
8.89 |
11.51 |
12.88 |
13.34 |
13.72 |
13.91 |
|
| 4.75 |
8.41 |
12.26 |
11.48 |
13.37 |
14.15 |
15.76 |
|
| 5 |
10.20 |
11.40 |
11.22 |
13.27 |
14.66 |
13.68 |
|
| 5.25 |
8.68 |
10.62 |
12.01 |
12.41 |
13.97 |
|
|
| 5.5 |
9.52 |
10.29 |
11.54 |
11.13 |
13.81 |
|
|
| 5.75 |
10.19 |
10.55 |
11.20 |
11.65 |
13.07 |
|
|
| 6 |
10.09 |
10.37 |
10.66 |
11.99 |
14.12 |
|
|
| 6.25 |
9.13 |
9.41 |
9.96 |
11.48 |
|
|
|
| 6.5 |
8.73 |
9.94 |
11.19 |
11.31 |
|
|
|
| 6.75 |
8.61 |
8.92 |
10.39 |
11.08 |
|
|
|
| 7 |
7.97 |
8.80 |
11.05 |
10.95 |
|
|
|
| 7.25 |
8.13 |
9.60 |
10.64 |
|
|
|
|
| 7.5 |
8.81 |
8.97 |
10.25 |
|
|
|
|
| 7.75 |
7.61 |
9.21 |
10.16 |
|
|
|
|
| 8 |
7.64 |
10.10 |
9.46 |
|
|
|
|
| 8.25 |
8.92 |
11.60 |
|
|
|
|
|
| 8.5 |
9.93 |
9.56 |
|
|
|
|
|
| 8.75 |
10.00 |
10.08 |
|
|
|
|
|
| 9 |
10.12 |
8.15 |
|
|
|
|
|
| 9.25 |
9.62 |
|
|
|
|
|
|
| 9.5 |
10.10 |
|
|
|
|
|
|
| 9.75 |
13.74 |
|
|
|
|
|
|
| 10 |
16.38 |
|
|
|
|
|
|
Figure 8: Share of Auto Loan Borrowers 90 or More Days Past Due on at Least One Auto Loan Panel (b) Prime, Recent Cohorts
| Years Relative to Foreclosure Period |
Delinquency Rate, Historical Cohorts |
Delinquency Rate, 2007 Cohort |
Delinquency Rate, 2008 Cohort |
Delinquency Rate, 2009 Cohort |
| -10.75 |
|
|
|
2.20 |
| -10.5 |
|
|
|
1.94 |
| -10.25 |
|
|
|
1.75 |
| -10 |
|
|
|
1.79 |
| -9.75 |
|
|
2.18 |
1.66 |
| -9.5 |
|
|
2.46 |
1.75 |
| -9.25 |
|
|
2.48 |
1.84 |
| -9 |
|
|
2.53 |
1.75 |
| -8.75 |
|
2.37 |
2.40 |
1.97 |
| -8.5 |
|
2.63 |
2.62 |
1.90 |
| -8.25 |
|
2.03 |
2.48 |
1.81 |
| -8 |
|
2.63 |
2.53 |
1.81 |
| -7.75 |
1.85 |
2.84 |
2.48 |
1.84 |
| -7.5 |
2.97 |
2.67 |
2.37 |
1.85 |
| -7.25 |
2.75 |
2.63 |
2.21 |
1.80 |
| -7 |
2.55 |
2.86 |
2.30 |
1.83 |
| -6.75 |
2.62 |
2.82 |
2.28 |
1.78 |
| -6.5 |
2.49 |
2.69 |
2.15 |
1.81 |
| -6.25 |
2.35 |
2.29 |
2.09 |
1.88 |
| -6 |
2.04 |
2.39 |
2.15 |
1.86 |
| -5.75 |
2.24 |
2.33 |
2.10 |
1.75 |
| -5.5 |
1.70 |
2.11 |
2.00 |
1.56 |
| -5.25 |
1.68 |
2.01 |
2.10 |
1.53 |
| -5 |
1.61 |
1.93 |
2.04 |
1.41 |
| -4.75 |
1.42 |
1.98 |
1.86 |
1.36 |
| -4.5 |
1.32 |
2.12 |
1.63 |
1.28 |
| -4.25 |
1.28 |
2.14 |
1.38 |
1.28 |
| -4 |
1.20 |
1.83 |
1.25 |
1.17 |
| -3.75 |
1.28 |
1.84 |
1.17 |
1.07 |
| -3.5 |
1.38 |
1.62 |
1.11 |
1.04 |
| -3.25 |
1.23 |
1.68 |
1.12 |
0.94 |
| -3 |
1.39 |
1.50 |
1.00 |
0.87 |
| -2.75 |
1.39 |
1.59 |
0.81 |
0.80 |
| -2.5 |
1.27 |
1.37 |
0.83 |
0.69 |
| -2.25 |
1.16 |
1.12 |
0.81 |
0.66 |
| -2 |
1.03 |
1.05 |
0.72 |
0.66 |
| -1.75 |
0.93 |
1.05 |
0.64 |
0.67 |
| -1.5 |
0.81 |
0.96 |
0.53 |
0.70 |
| -1.25 |
1.18 |
0.94 |
0.62 |
0.76 |
| -1 |
1.36 |
1.18 |
0.69 |
0.81 |
| -0.75 |
2.09 |
1.33 |
1.03 |
1.16 |
| -0.5 |
3.78 |
2.22 |
1.75 |
1.82 |
| -0.25 |
7.84 |
4.74 |
3.57 |
3.37 |
| 0 |
12.77 |
8.64 |
7.00 |
5.94 |
| 0.25 |
15.44 |
13.34 |
12.12 |
9.99 |
| 0.5 |
16.79 |
16.87 |
15.08 |
12.32 |
| 0.75 |
17.20 |
19.33 |
17.01 |
13.81 |
| 1 |
17.58 |
19.86 |
18.74 |
16.26 |
| 1.25 |
17.19 |
20.62 |
19.82 |
|
| 1.5 |
17.44 |
21.46 |
21.41 |
|
| 1.75 |
16.79 |
21.81 |
22.95 |
|
| 2 |
16.74 |
22.86 |
22.89 |
|
| 2.25 |
15.91 |
24.10 |
|
|
| 2.5 |
15.74 |
25.04 |
|
|
| 2.75 |
15.84 |
24.77 |
|
|
| 3 |
15.62 |
24.34 |
|
|
| 3.25 |
15.08 |
|
|
|
| 3.5 |
14.26 |
|
|
|
| 3.75 |
14.06 |
|
|
|
| 4 |
13.84 |
|
|
|
| 4.25 |
12.96 |
|
|
|
| 4.5 |
12.73 |
|
|
|
| 4.75 |
12.81 |
|
|
|
| 5 |
12.62 |
|
|
|
| 5.25 |
11.98 |
|
|
|
| 5.5 |
11.44 |
|
|
|
| 5.75 |
11.35 |
|
|
|
| 6 |
11.22 |
|
|
|
| 6.25 |
10.18 |
|
|
|
| 6.5 |
10.43 |
|
|
|
| 6.75 |
9.74 |
|
|
|
| 7 |
9.69 |
|
|
|
| 7.25 |
9.64 |
|
|
|
| 7.5 |
9.37 |
|
|
|
| 7.75 |
8.95 |
|
|
|
| 8 |
9.06 |
|
|
|
| 8.25 |
10.38 |
|
|
|
| 8.5 |
9.76 |
|
|
|
| 8.75 |
10.03 |
|
|
|
| 9 |
9.65 |
|
|
|
| 9.25 |
9.62 |
|
|
|
| 9.5 |
10.10 |
|
|
|
| 9.75 |
13.74 |
|
|
|
| 10 |
16.38 |
|
|
|
Figure 8: Share of Auto Loan Borrowers 90 or More Days Past Due on at Least One Auto Loan Panel (c) Subprime Historical Cohorts
| Years Relative to Foreclosure Period |
Delinquency Rate, 2000 Cohort |
Delinquency Rate, 2001 Cohort |
Delinquency Rate, 2002 Cohort |
Delinquency Rate, 2003 Cohort |
Delinquency Rate, 2004 Cohort |
Delinquency Rate, 2005 Cohort |
Delinquency Rate, 2006 Cohort |
| -7.75 |
|
|
|
|
|
|
10.34 |
| -7.5 |
|
|
|
|
|
|
9.27 |
| -7.25 |
|
|
|
|
|
|
9.38 |
| -7 |
|
|
|
|
|
|
9.80 |
| -6.75 |
|
|
|
|
|
9.00 |
8.82 |
| -6.5 |
|
|
|
|
|
9.29 |
8.75 |
| -6.25 |
|
|
|
|
|
8.43 |
8.90 |
| -6 |
|
|
|
|
|
8.36 |
8.59 |
| -5.75 |
|
|
|
|
7.24 |
7.42 |
9.05 |
| -5.5 |
|
|
|
|
7.34 |
7.35 |
9.09 |
| -5.25 |
|
|
|
|
6.64 |
7.13 |
9.05 |
| -5 |
|
|
|
|
6.44 |
7.02 |
8.86 |
| -4.75 |
|
|
|
6.64 |
6.15 |
7.12 |
9.46 |
| -4.5 |
|
|
|
6.59 |
5.89 |
7.45 |
9.85 |
| -4.25 |
|
|
|
6.88 |
5.87 |
7.51 |
9.99 |
| -4 |
|
|
|
5.94 |
5.44 |
7.48 |
9.66 |
| -3.75 |
|
|
5.65 |
6.09 |
5.93 |
7.90 |
9.42 |
| -3.5 |
|
|
5.50 |
5.71 |
6.14 |
8.22 |
9.08 |
| -3.25 |
|
|
5.89 |
5.93 |
6.15 |
8.06 |
8.96 |
| -3 |
|
|
6.12 |
5.93 |
6.37 |
8.32 |
9.13 |
| -2.75 |
|
7.04 |
5.93 |
6.32 |
6.90 |
8.28 |
9.04 |
| -2.5 |
|
6.74 |
5.73 |
6.53 |
7.02 |
8.33 |
8.81 |
| -2.25 |
|
6.98 |
5.82 |
6.55 |
7.09 |
8.31 |
8.57 |
| -2 |
|
6.98 |
6.56 |
6.88 |
7.27 |
8.48 |
9.01 |
| -1.75 |
7.93 |
7.00 |
7.23 |
7.51 |
7.60 |
8.64 |
9.18 |
| -1.5 |
8.48 |
7.48 |
7.60 |
8.52 |
8.19 |
9.17 |
9.45 |
| -1.25 |
9.35 |
8.55 |
8.32 |
9.33 |
9.78 |
10.41 |
10.01 |
| -1 |
10.36 |
10.10 |
10.09 |
10.70 |
11.50 |
11.47 |
10.68 |
| -0.75 |
11.51 |
11.97 |
11.77 |
12.74 |
13.43 |
12.98 |
12.00 |
| -0.5 |
13.48 |
14.53 |
15.08 |
15.45 |
16.21 |
15.51 |
14.94 |
| -0.25 |
17.26 |
18.92 |
19.22 |
19.66 |
21.51 |
20.67 |
19.66 |
| 0 |
21.84 |
24.11 |
24.20 |
25.57 |
27.97 |
26.59 |
26.65 |
| 0.25 |
27.78 |
29.07 |
30.62 |
31.08 |
32.73 |
32.11 |
31.10 |
| 0.5 |
29.32 |
31.13 |
32.87 |
32.13 |
33.40 |
34.15 |
33.12 |
| 0.75 |
29.68 |
32.10 |
34.35 |
32.43 |
34.13 |
35.21 |
34.85 |
| 1 |
29.13 |
32.02 |
34.00 |
32.58 |
33.98 |
35.49 |
36.46 |
| 1.25 |
29.06 |
31.26 |
34.59 |
32.96 |
33.29 |
35.02 |
37.01 |
| 1.5 |
28.95 |
31.38 |
33.54 |
32.35 |
33.04 |
34.89 |
37.93 |
| 1.75 |
28.40 |
31.66 |
33.16 |
31.97 |
33.24 |
34.69 |
38.34 |
| 2 |
28.90 |
31.27 |
32.90 |
31.12 |
32.72 |
35.18 |
38.47 |
| 2.25 |
28.85 |
31.15 |
32.03 |
30.32 |
32.27 |
35.32 |
38.06 |
| 2.5 |
27.79 |
29.55 |
30.90 |
29.96 |
31.38 |
35.01 |
38.06 |
| 2.75 |
27.83 |
28.79 |
30.94 |
29.49 |
31.47 |
34.64 |
38.48 |
| 3 |
27.28 |
28.34 |
29.46 |
28.94 |
31.14 |
34.41 |
38.49 |
| 3.25 |
26.37 |
28.95 |
27.96 |
27.64 |
31.20 |
33.43 |
38.86 |
| 3.5 |
26.21 |
27.14 |
27.32 |
27.49 |
31.10 |
32.94 |
38.81 |
| 3.75 |
24.75 |
26.08 |
26.45 |
27.00 |
30.62 |
33.07 |
37.62 |
| 4 |
23.98 |
24.98 |
25.51 |
26.65 |
29.65 |
33.61 |
37.42 |
| 4.25 |
23.91 |
23.60 |
24.66 |
25.93 |
29.04 |
33.64 |
|
| 4.5 |
22.98 |
23.00 |
24.05 |
25.86 |
28.77 |
32.12 |
|
| 4.75 |
23.03 |
22.97 |
23.34 |
25.16 |
28.76 |
30.78 |
|
| 5 |
21.59 |
22.32 |
23.46 |
24.49 |
28.53 |
30.30 |
|
| 5.25 |
20.54 |
21.75 |
23.27 |
24.42 |
28.77 |
|
|
| 5.5 |
19.64 |
21.78 |
22.95 |
23.89 |
28.42 |
|
|
| 5.75 |
19.18 |
21.76 |
22.84 |
23.88 |
27.40 |
|
|
| 6 |
18.39 |
21.04 |
22.21 |
24.14 |
24.93 |
|
|
| 6.25 |
18.43 |
20.28 |
21.87 |
24.47 |
|
|
|
| 6.5 |
18.06 |
20.26 |
21.22 |
23.26 |
|
|
|
| 6.75 |
17.62 |
19.74 |
21.39 |
22.10 |
|
|
|
| 7 |
17.49 |
19.09 |
21.21 |
22.41 |
|
|
|
| 7.25 |
17.23 |
19.28 |
21.60 |
|
|
|
|
| 7.5 |
18.03 |
19.50 |
21.77 |
|
|
|
|
| 7.75 |
17.64 |
20.15 |
22.10 |
|
|
|
|
| 8 |
17.99 |
20.90 |
23.17 |
|
|
|
|
| 8.25 |
18.36 |
21.77 |
|
|
|
|
|
| 8.5 |
18.00 |
21.26 |
|
|
|
|
|
| 8.75 |
18.51 |
21.25 |
|
|
|
|
|
| 9 |
19.40 |
22.18 |
|
|
|
|
|
| 9.25 |
20.09 |
|
|
|
|
|
|
| 9.5 |
20.19 |
|
|
|
|
|
|
| 9.75 |
19.89 |
|
|
|
|
|
|
| 10 |
20.69 |
|
|
|
|
|
|
Figure 8: Share of Auto Loan Borrowers 90 or More Days Past Due on at Least One Auto Loan Panel (d) Subprime, Recent Cohorts
| Years Relative to Foreclosure Period |
Delinquency Rate, Historical Cohorts |
Delinquency Rate, 2007 Cohort |
Delinquency Rate, 2008 Cohort |
Delinquency Rate, 2009 Cohort |
| -10.75 |
|
|
|
6.77 |
| -10.5 |
|
|
|
6.90 |
| -10.25 |
|
|
|
6.44 |
| -10 |
|
|
|
6.68 |
| -9.75 |
|
|
8.45 |
6.25 |
| -9.5 |
|
|
7.65 |
6.33 |
| -9.25 |
|
|
7.60 |
6.47 |
| -9 |
|
|
8.14 |
6.72 |
| -8.75 |
|
11.25 |
7.59 |
6.77 |
| -8.5 |
|
10.91 |
7.60 |
6.96 |
| -8.25 |
|
10.08 |
7.70 |
6.98 |
| -8 |
|
9.45 |
7.32 |
6.80 |
| -7.75 |
10.34 |
9.02 |
7.62 |
6.82 |
| -7.5 |
9.27 |
8.97 |
7.63 |
6.98 |
| -7.25 |
9.38 |
9.00 |
8.00 |
7.10 |
| -7 |
9.80 |
8.85 |
7.71 |
6.97 |
| -6.75 |
8.85 |
9.09 |
7.69 |
6.82 |
| -6.5 |
8.90 |
9.20 |
8.21 |
6.82 |
| -6.25 |
8.73 |
9.50 |
8.25 |
6.93 |
| -6 |
8.49 |
9.54 |
8.47 |
6.93 |
| -5.75 |
8.23 |
9.76 |
8.37 |
6.83 |
| -5.5 |
8.16 |
10.14 |
8.29 |
6.62 |
| -5.25 |
7.82 |
9.91 |
8.33 |
6.63 |
| -5 |
7.55 |
9.77 |
8.21 |
6.53 |
| -4.75 |
7.64 |
9.74 |
8.30 |
6.42 |
| -4.5 |
7.70 |
9.39 |
8.15 |
6.35 |
| -4.25 |
7.74 |
9.28 |
7.74 |
6.21 |
| -4 |
7.28 |
9.49 |
7.63 |
6.04 |
| -3.75 |
7.38 |
9.62 |
7.56 |
5.74 |
| -3.5 |
7.25 |
9.17 |
7.26 |
5.53 |
| -3.25 |
7.22 |
8.90 |
7.23 |
5.35 |
| -3 |
7.32 |
8.97 |
6.83 |
5.15 |
| -2.75 |
7.43 |
8.89 |
6.61 |
5.07 |
| -2.5 |
7.39 |
8.57 |
6.43 |
5.10 |
| -2.25 |
7.36 |
8.38 |
6.49 |
5.23 |
| -2 |
7.67 |
8.08 |
6.60 |
5.44 |
| -1.75 |
7.99 |
7.83 |
6.70 |
5.79 |
| -1.5 |
8.53 |
8.21 |
6.81 |
6.49 |
| -1.25 |
9.52 |
8.53 |
7.67 |
7.52 |
| -1 |
10.79 |
9.42 |
8.75 |
8.86 |
| -0.75 |
12.45 |
10.61 |
10.29 |
10.29 |
| -0.5 |
15.20 |
12.87 |
12.76 |
12.70 |
| -0.25 |
19.82 |
17.28 |
16.48 |
16.48 |
| 0 |
25.74 |
23.56 |
21.84 |
20.59 |
| 0.25 |
31.01 |
29.96 |
27.36 |
25.06 |
| 0.5 |
32.65 |
33.80 |
30.41 |
27.71 |
| 0.75 |
33.67 |
36.19 |
32.97 |
30.07 |
| 1 |
33.95 |
37.44 |
34.88 |
32.29 |
| 1.25 |
33.93 |
38.61 |
36.49 |
|
| 1.5 |
33.84 |
39.07 |
38.16 |
|
| 1.75 |
33.80 |
40.11 |
39.92 |
|
| 2 |
33.64 |
41.12 |
40.89 |
|
| 2.25 |
33.24 |
41.56 |
|
|
| 2.5 |
32.56 |
42.36 |
|
|
| 2.75 |
32.43 |
43.46 |
|
|
| 3 |
31.94 |
43.17 |
|
|
| 3.25 |
31.39 |
|
|
|
| 3.5 |
30.48 |
|
|
|
| 3.75 |
29.38 |
|
|
|
| 4 |
28.40 |
|
|
|
| 4.25 |
27.35 |
|
|
|
| 4.5 |
26.43 |
|
|
|
| 4.75 |
25.69 |
|
|
|
| 5 |
24.94 |
|
|
|
| 5.25 |
24.35 |
|
|
|
| 5.5 |
23.63 |
|
|
|
| 5.75 |
23.03 |
|
|
|
| 6 |
22.14 |
|
|
|
| 6.25 |
21.74 |
|
|
|
| 6.5 |
20.87 |
|
|
|
| 6.75 |
20.26 |
|
|
|
| 7 |
19.83 |
|
|
|
| 7.25 |
19.66 |
|
|
|
| 7.5 |
19.81 |
|
|
|
| 7.75 |
19.82 |
|
|
|
| 8 |
20.21 |
|
|
|
| 8.25 |
20.15 |
|
|
|
| 8.5 |
19.45 |
|
|
|
| 8.75 |
19.44 |
|
|
|
| 9 |
19.98 |
|
|
|
| 9.25 |
20.09 |
|
|
|
| 9.5 |
20.19 |
|
|
|
| 9.75 |
19.89 |
|
|
|
| 10 |
20.69 |
|
|
|
Figure 9: Share of Individuals with a Credit Card or Auto Loan Delinquency, by Score Level and Cohort Panel (a) Credit Card Delinquencies by Prime Cohort
| Years Relative to Foreclosure Period |
Delinquency Rate, Historical Cohorts |
Delinquency Rate, 2007 Cohort |
Delinquency Rate, 2008 Cohort |
Delinquency Rate, 2009 Cohort |
| -10.75 |
|
|
|
5.56 |
| -10.5 |
|
|
|
5.01 |
| -10.25 |
|
|
|
5.26 |
| -10 |
|
|
|
5.45 |
| -9.75 |
|
|
6.31 |
5.42 |
| -9.5 |
|
|
6.59 |
5.28 |
| -9.25 |
|
|
6.53 |
5.09 |
| -9 |
|
|
6.33 |
5.02 |
| -8.75 |
|
6.01 |
6.29 |
5.01 |
| -8.5 |
|
6.96 |
6.00 |
5.25 |
| -8.25 |
|
6.87 |
5.86 |
5.53 |
| -8 |
|
6.87 |
6.01 |
5.91 |
| -7.75 |
6.66 |
6.71 |
6.08 |
6.04 |
| -7.5 |
7.25 |
6.39 |
6.30 |
6.08 |
| -7.25 |
7.22 |
6.32 |
6.78 |
5.82 |
| -7 |
6.25 |
6.18 |
6.65 |
5.75 |
| -6.75 |
6.13 |
5.95 |
6.91 |
5.64 |
| -6.5 |
5.82 |
6.18 |
6.63 |
5.41 |
| -6.25 |
5.26 |
6.50 |
6.31 |
5.26 |
| -6 |
5.32 |
6.40 |
6.30 |
4.91 |
| -5.75 |
4.98 |
6.46 |
6.06 |
4.74 |
| -5.5 |
5.04 |
6.44 |
5.57 |
4.54 |
| -5.25 |
5.20 |
6.09 |
5.27 |
4.41 |
| -5 |
4.80 |
5.94 |
4.84 |
4.34 |
| -4.75 |
4.97 |
5.54 |
4.70 |
4.21 |
| -4.5 |
4.79 |
5.41 |
4.39 |
3.92 |
| -4.25 |
4.57 |
4.91 |
4.16 |
3.65 |
| -4 |
4.52 |
4.63 |
4.16 |
3.07 |
| -3.75 |
4.22 |
4.51 |
4.11 |
2.46 |
| -3.5 |
3.82 |
4.18 |
3.75 |
2.14 |
| -3.25 |
3.54 |
4.13 |
3.31 |
2.00 |
| -3 |
3.36 |
4.05 |
2.70 |
1.92 |
| -2.75 |
3.26 |
4.01 |
2.11 |
1.83 |
| -2.5 |
3.15 |
3.54 |
1.67 |
1.74 |
| -2.25 |
3.16 |
3.15 |
1.64 |
1.67 |
| -2 |
3.04 |
2.78 |
1.61 |
1.49 |
| -1.75 |
2.93 |
2.49 |
1.56 |
1.40 |
| -1.5 |
2.91 |
2.28 |
1.52 |
1.52 |
| -1.25 |
3.24 |
2.31 |
1.65 |
1.66 |
| -1 |
4.03 |
2.90 |
1.84 |
2.22 |
| -0.75 |
5.32 |
3.53 |
2.53 |
3.19 |
| -0.5 |
8.87 |
5.64 |
4.33 |
5.77 |
| -0.25 |
15.85 |
11.48 |
9.48 |
11.44 |
| 0 |
23.86 |
21.35 |
19.06 |
20.03 |
| 0.25 |
25.55 |
27.22 |
25.66 |
25.05 |
| 0.5 |
24.98 |
29.94 |
27.84 |
26.68 |
| 0.75 |
24.27 |
29.86 |
28.51 |
27.36 |
| 1 |
23.47 |
28.79 |
28.50 |
28.52 |
| 1.25 |
22.97 |
28.23 |
27.87 |
|
| 1.5 |
21.75 |
26.94 |
27.48 |
|
| 1.75 |
21.07 |
26.07 |
26.63 |
|
| 2 |
20.30 |
24.61 |
25.34 |
|
| 2.25 |
19.27 |
23.39 |
|
|
| 2.5 |
18.62 |
22.06 |
|
|
| 2.75 |
18.45 |
20.28 |
|
|
| 3 |
17.64 |
18.99 |
|
|
| 3.25 |
16.93 |
|
|
|
| 3.5 |
16.41 |
|
|
|
| 3.75 |
15.78 |
|
|
|
| 4 |
15.42 |
|
|
|
| 4.25 |
15.15 |
|
|
|
| 4.5 |
14.65 |
|
|
|
| 4.75 |
14.29 |
|
|
|
| 5 |
14.11 |
|
|
|
| 5.25 |
13.27 |
|
|
|
| 5.5 |
12.95 |
|
|
|
| 5.75 |
12.71 |
|
|
|
| 6 |
11.95 |
|
|
|
| 6.25 |
11.30 |
|
|
|
| 6.5 |
10.53 |
|
|
|
| 6.75 |
9.64 |
|
|
|
| 7 |
9.20 |
|
|
|
| 7.25 |
8.65 |
|
|
|
| 7.5 |
8.34 |
|
|
|
| 7.75 |
8.18 |
|
|
|
| 8 |
8.15 |
|
|
|
| 8.25 |
8.00 |
|
|
|
| 8.5 |
8.41 |
|
|
|
| 8.75 |
9.05 |
|
|
|
| 9 |
8.47 |
|
|
|
| 9.25 |
7.68 |
|
|
|
| 9.5 |
8.32 |
|
|
|
| 9.75 |
10.23 |
|
|
|
| 10 |
7.63 |
|
|
|
Figure 9: Share of Individuals with a Credit Card or Auto Loan Delinquency, by Score Level and Cohort Panel (b) Auto Delinquencies by Prime Cohort
| Years Relative to Foreclosure Period |
Delinquency Rate, Historical Cohorts |
Delinquency Rate, 2007 Cohort |
Delinquency Rate, 2008 Cohort |
Delinquency Rate, 2009 Cohort |
| -10.75 |
|
|
|
0.67 |
| -10.5 |
|
|
|
0.60 |
| -10.25 |
|
|
|
0.55 |
| -10 |
|
|
|
0.57 |
| -9.75 |
|
|
0.68 |
0.54 |
| -9.5 |
|
|
0.76 |
0.59 |
| -9.25 |
|
|
0.78 |
0.64 |
| -9 |
|
|
0.81 |
0.63 |
| -8.75 |
|
0.74 |
0.78 |
0.73 |
| -8.5 |
|
0.83 |
0.88 |
0.71 |
| -8.25 |
|
0.62 |
0.86 |
0.69 |
| -8 |
|
0.82 |
0.90 |
0.71 |
| -7.75 |
0.54 |
0.91 |
0.92 |
0.73 |
| -7.5 |
0.88 |
0.88 |
0.90 |
0.75 |
| -7.25 |
0.82 |
0.88 |
0.84 |
0.74 |
| -7 |
0.75 |
1.00 |
0.89 |
0.76 |
| -6.75 |
0.75 |
1.02 |
0.90 |
0.75 |
| -6.5 |
0.74 |
0.99 |
0.86 |
0.77 |
| -6.25 |
0.71 |
0.85 |
0.84 |
0.82 |
| -6 |
0.63 |
0.90 |
0.87 |
0.84 |
| -5.75 |
0.69 |
0.90 |
0.87 |
0.80 |
| -5.5 |
0.54 |
0.82 |
0.84 |
0.72 |
| -5.25 |
0.54 |
0.80 |
0.91 |
0.72 |
| -5 |
0.52 |
0.79 |
0.90 |
0.67 |
| -4.75 |
0.46 |
0.83 |
0.84 |
0.64 |
| -4.5 |
0.43 |
0.89 |
0.76 |
0.60 |
| -4.25 |
0.42 |
0.93 |
0.65 |
0.61 |
| -4 |
0.40 |
0.81 |
0.59 |
0.56 |
| -3.75 |
0.43 |
0.83 |
0.56 |
0.51 |
| -3.5 |
0.47 |
0.75 |
0.53 |
0.50 |
| -3.25 |
0.43 |
0.78 |
0.53 |
0.45 |
| -3 |
0.49 |
0.69 |
0.48 |
0.42 |
| -2.75 |
0.50 |
0.73 |
0.39 |
0.38 |
| -2.5 |
0.46 |
0.65 |
0.40 |
0.33 |
| -2.25 |
0.42 |
0.53 |
0.39 |
0.31 |
| -2 |
0.38 |
0.50 |
0.35 |
0.32 |
| -1.75 |
0.35 |
0.50 |
0.31 |
0.32 |
| -1.5 |
0.31 |
0.46 |
0.26 |
0.34 |
| -1.25 |
0.45 |
0.46 |
0.30 |
0.37 |
| -1 |
0.52 |
0.58 |
0.34 |
0.40 |
| -0.75 |
0.81 |
0.66 |
0.51 |
0.57 |
| -0.5 |
1.49 |
1.10 |
0.87 |
0.89 |
| -0.25 |
3.08 |
2.33 |
1.79 |
1.64 |
| 0 |
4.91 |
4.15 |
3.43 |
2.81 |
| 0.25 |
5.67 |
6.14 |
5.73 |
4.55 |
| 0.5 |
5.94 |
7.45 |
6.79 |
5.38 |
| 0.75 |
5.91 |
8.21 |
7.31 |
5.77 |
| 1 |
5.87 |
8.11 |
7.73 |
6.53 |
| 1.25 |
5.68 |
8.02 |
7.83 |
|
| 1.5 |
5.71 |
7.98 |
8.18 |
|
| 1.75 |
5.45 |
7.88 |
8.48 |
|
| 2 |
5.38 |
7.97 |
8.29 |
|
| 2.25 |
5.06 |
8.07 |
|
|
| 2.5 |
4.96 |
8.07 |
|
|
| 2.75 |
4.96 |
8.06 |
|
|
| 3 |
4.87 |
7.91 |
|
|
| 3.25 |
4.73 |
|
|
|
| 3.5 |
4.47 |
|
|
|
| 3.75 |
4.42 |
|
|
|
| 4 |
4.40 |
|
|
|
| 4.25 |
4.14 |
|
|
|
| 4.5 |
4.11 |
|
|
|
| 4.75 |
4.17 |
|
|
|
| 5 |
4.09 |
|
|
|
| 5.25 |
3.91 |
|
|
|
| 5.5 |
3.74 |
|
|
|
| 5.75 |
3.72 |
|
|
|
| 6 |
3.68 |
|
|
|
| 6.25 |
3.34 |
|
|
|
| 6.5 |
3.37 |
|
|
|
| 6.75 |
3.14 |
|
|
|
| 7 |
3.15 |
|
|
|
| 7.25 |
3.13 |
|
|
|
| 7.5 |
3.03 |
|
|
|
| 7.75 |
2.93 |
|
|
|
| 8 |
2.94 |
|
|
|
| 8.25 |
3.36 |
|
|
|
| 8.5 |
3.18 |
|
|
|
| 8.75 |
3.32 |
|
|
|
| 9 |
3.15 |
|
|
|
| 9.25 |
3.03 |
|
|
|
| 9.5 |
3.08 |
|
|
|
| 9.75 |
4.36 |
|
|
|
| 10 |
5.37 |
|
|
|
Figure 9: Share of Individuals with a Credit Card or Auto Loan Delinquency, by Score Level and Cohort Panel (c) Credit Card Delinquencies by Subprime Cohort
| Years Relative to Foreclosure Period |
Delinquency Rate, Historical Cohorts |
Delinquency Rate, 2007 Cohort |
Delinquency Rate, 2008 Cohort |
Delinquency Rate, 2009 Cohort |
| -10.75 |
|
|
|
11.56 |
| -10.5 |
|
|
|
11.49 |
| -10.25 |
|
|
|
12.08 |
| -10 |
|
|
|
11.88 |
| -9.75 |
|
|
12.53 |
12.07 |
| -9.5 |
|
|
12.38 |
12.47 |
| -9.25 |
|
|
12.59 |
12.48 |
| -9 |
|
|
12.55 |
12.80 |
| -8.75 |
|
13.57 |
12.82 |
13.07 |
| -8.5 |
|
13.37 |
13.05 |
13.87 |
| -8.25 |
|
13.54 |
13.04 |
14.64 |
| -8 |
|
13.60 |
13.60 |
15.67 |
| -7.75 |
13.63 |
13.43 |
13.53 |
16.97 |
| -7.5 |
13.49 |
13.81 |
14.57 |
17.23 |
| -7.25 |
13.51 |
14.07 |
15.85 |
17.43 |
| -7 |
13.16 |
14.51 |
17.04 |
17.75 |
| -6.75 |
13.24 |
14.95 |
18.32 |
17.39 |
| -6.5 |
13.43 |
16.07 |
18.63 |
17.03 |
| -6.25 |
13.35 |
17.61 |
19.14 |
16.75 |
| -6 |
13.56 |
18.60 |
19.57 |
16.66 |
| -5.75 |
13.70 |
19.92 |
19.31 |
17.00 |
| -5.5 |
14.12 |
20.22 |
19.15 |
16.84 |
| -5.25 |
14.42 |
20.73 |
18.52 |
17.18 |
| -5 |
14.72 |
21.32 |
18.41 |
16.94 |
| -4.75 |
14.88 |
20.88 |
18.58 |
16.85 |
| -4.5 |
15.34 |
20.69 |
18.53 |
16.18 |
| -4.25 |
15.75 |
19.94 |
18.78 |
15.50 |
| -4 |
16.06 |
19.80 |
18.73 |
14.26 |
| -3.75 |
16.17 |
20.04 |
18.61 |
13.08 |
| -3.5 |
16.35 |
20.03 |
17.93 |
12.48 |
| -3.25 |
16.79 |
20.42 |
16.76 |
12.47 |
| -3 |
17.34 |
20.39 |
15.43 |
12.66 |
| -2.75 |
17.79 |
20.53 |
14.45 |
12.97 |
| -2.5 |
18.60 |
19.68 |
13.97 |
13.28 |
| -2.25 |
19.68 |
18.75 |
14.20 |
13.77 |
| -2 |
20.83 |
18.21 |
14.85 |
14.46 |
| -1.75 |
22.24 |
17.79 |
15.47 |
15.66 |
| -1.5 |
23.88 |
18.49 |
16.68 |
17.83 |
| -1.25 |
26.13 |
19.73 |
18.49 |
20.37 |
| -1 |
29.00 |
22.37 |
20.73 |
23.36 |
| -0.75 |
32.58 |
25.34 |
24.46 |
27.02 |
| -0.5 |
37.36 |
30.02 |
29.67 |
32.27 |
| -0.25 |
43.28 |
37.19 |
36.80 |
38.80 |
| 0 |
47.64 |
43.81 |
42.78 |
43.18 |
| 0.25 |
47.29 |
44.73 |
43.40 |
43.05 |
| 0.5 |
45.25 |
43.38 |
41.05 |
41.58 |
| 0.75 |
43.48 |
40.70 |
38.74 |
39.37 |
| 1 |
41.69 |
38.33 |
36.69 |
37.23 |
| 1.25 |
40.13 |
35.72 |
34.54 |
|
| 1.5 |
38.32 |
32.46 |
32.56 |
|
| 1.75 |
37.09 |
30.42 |
30.61 |
|
| 2 |
35.79 |
27.99 |
28.37 |
|
| 2.25 |
34.18 |
26.52 |
|
|
| 2.5 |
32.77 |
25.38 |
|
|
| 2.75 |
31.55 |
24.48 |
|
|
| 3 |
30.30 |
22.73 |
|
|
| 3.25 |
29.17 |
|
|
|
| 3.5 |
28.37 |
|
|
|
| 3.75 |
27.84 |
|
|
|
| 4 |
27.09 |
|
|
|
| 4.25 |
26.11 |
|
|
|
| 4.5 |
25.26 |
|
|
|
| 4.75 |
24.41 |
|
|
|
| 5 |
23.42 |
|
|
|
| 5.25 |
22.17 |
|
|
|
| 5.5 |
21.20 |
|
|
|
| 5.75 |
19.94 |
|
|
|
| 6 |
18.80 |
|
|
|
| 6.25 |
17.65 |
|
|
|
| 6.5 |
16.50 |
|
|
|
| 6.75 |
15.79 |
|
|
|
| 7 |
15.24 |
|
|
|
| 7.25 |
14.78 |
|
|
|
| 7.5 |
14.73 |
|
|
|
| 7.75 |
14.51 |
|
|
|
| 8 |
14.41 |
|
|
|
| 8.25 |
14.17 |
|
|
|
| 8.5 |
13.72 |
|
|
|
| 8.75 |
13.64 |
|
|
|
| 9 |
13.55 |
|
|
|
| 9.25 |
13.00 |
|
|
|
| 9.5 |
13.05 |
|
|
|
| 9.75 |
13.20 |
|
|
|
| 10 |
13.76 |
|
|
|
Figure 9: Share of Individuals with a Credit Card or Auto Loan Delinquency, by Score Level and Cohort Panel (d) Auto Delinquencies by Subprime Cohort
| Years Relative to Foreclosure Period |
Delinquency Rate, Historical Cohorts |
Delinquency Rate, 2007 Cohort |
Delinquency Rate, 2008 Cohort |
Delinquency Rate, 2009 Cohort |
| -10.75 |
|
|
|
2.07 |
| -10.5 |
|
|
|
2.15 |
| -10.25 |
|
|
|
2.06 |
| -10 |
|
|
|
2.14 |
| -9.75 |
|
|
2.63 |
2.05 |
| -9.5 |
|
|
2.37 |
2.16 |
| -9.25 |
|
|
2.38 |
2.29 |
| -9 |
|
|
2.61 |
2.46 |
| -8.75 |
|
3.39 |
2.49 |
2.59 |
| -8.5 |
|
3.37 |
2.59 |
2.71 |
| -8.25 |
|
3.17 |
2.71 |
2.76 |
| -8 |
|
3.02 |
2.67 |
2.74 |
| -7.75 |
3.12 |
2.93 |
2.88 |
2.78 |
| -7.5 |
2.79 |
3.05 |
2.94 |
2.89 |
| -7.25 |
2.91 |
3.18 |
3.13 |
2.97 |
| -7 |
3.07 |
3.21 |
3.09 |
2.94 |
| -6.75 |
2.77 |
3.43 |
3.12 |
2.95 |
| -6.5 |
2.89 |
3.54 |
3.38 |
2.98 |
| -6.25 |
2.92 |
3.71 |
3.45 |
3.09 |
| -6 |
2.87 |
3.80 |
3.59 |
3.15 |
| -5.75 |
2.85 |
3.94 |
3.60 |
3.14 |
| -5.5 |
2.88 |
4.13 |
3.60 |
3.13 |
| -5.25 |
2.82 |
4.10 |
3.69 |
3.17 |
| -5 |
2.75 |
4.09 |
3.71 |
3.15 |
| -4.75 |
2.81 |
4.19 |
3.81 |
3.11 |
| -4.5 |
2.87 |
4.09 |
3.82 |
3.09 |
| -4.25 |
2.94 |
4.12 |
3.69 |
3.04 |
| -4 |
2.80 |
4.28 |
3.69 |
3.01 |
| -3.75 |
2.88 |
4.39 |
3.68 |
2.90 |
| -3.5 |
2.88 |
4.28 |
3.59 |
2.82 |
| -3.25 |
2.91 |
4.24 |
3.62 |
2.77 |
| -3 |
2.98 |
4.33 |
3.48 |
2.70 |
| -2.75 |
3.10 |
4.31 |
3.44 |
2.69 |
| -2.5 |
3.13 |
4.23 |
3.38 |
2.74 |
| -2.25 |
3.17 |
4.19 |
3.47 |
2.85 |
| -2 |
3.37 |
4.12 |
3.57 |
2.99 |
| -1.75 |
3.55 |
4.08 |
3.67 |
3.22 |
| -1.5 |
3.85 |
4.33 |
3.78 |
3.64 |
| -1.25 |
4.35 |
4.57 |
4.32 |
4.24 |
| -1 |
4.96 |
5.15 |
4.95 |
5.00 |
| -0.75 |
5.76 |
5.84 |
5.84 |
5.79 |
| -0.5 |
7.01 |
7.11 |
7.25 |
7.04 |
| -0.25 |
8.98 |
9.48 |
9.25 |
8.93 |
| 0 |
11.25 |
12.56 |
11.90 |
10.79 |
| 0.25 |
12.83 |
15.34 |
14.31 |
12.57 |
| 0.5 |
12.74 |
16.64 |
15.10 |
13.47 |
| 0.75 |
12.64 |
17.13 |
15.70 |
14.15 |
| 1 |
12.41 |
17.04 |
15.93 |
14.59 |
| 1.25 |
12.16 |
17.09 |
16.10 |
|
| 1.5 |
11.97 |
16.66 |
16.41 |
|
| 1.75 |
11.85 |
16.66 |
16.69 |
|
| 2 |
11.75 |
16.61 |
16.74 |
|
| 2.25 |
11.54 |
16.34 |
|
|
| 2.5 |
11.30 |
16.36 |
|
|
| 2.75 |
11.26 |
16.55 |
|
|
| 3 |
11.11 |
16.33 |
|
|
| 3.25 |
10.92 |
|
|
|
| 3.5 |
10.64 |
|
|
|
| 3.75 |
10.29 |
|
|
|
| 4 |
10.01 |
|
|
|
| 4.25 |
9.69 |
|
|
|
| 4.5 |
9.46 |
|
|
|
| 4.75 |
9.24 |
|
|
|
| 5 |
9.06 |
|
|
|
| 5.25 |
8.86 |
|
|
|
| 5.5 |
8.64 |
|
|
|
| 5.75 |
8.49 |
|
|
|
| 6 |
8.16 |
|
|
|
| 6.25 |
8.06 |
|
|
|
| 6.5 |
7.78 |
|
|
|
| 6.75 |
7.54 |
|
|
|
| 7 |
7.38 |
|
|
|
| 7.25 |
7.35 |
|
|
|
| 7.5 |
7.40 |
|
|
|
| 7.75 |
7.43 |
|
|
|
| 8 |
7.61 |
|
|
|
| 8.25 |
7.64 |
|
|
|
| 8.5 |
7.39 |
|
|
|
| 8.75 |
7.29 |
|
|
|
| 9 |
7.49 |
|
|
|
| 9.25 |
7.46 |
|
|
|
| 9.5 |
7.55 |
|
|
|
| 9.75 |
7.55 |
|
|
|
| 10 |
7.95 |
|
|
|
Figure 10: Share of Borrowers in Flawless Payment Sample That Are Deliquent by Cohort Panel (a) All Credit Delinquencies by Cohort
| Years Relative to Foreclosure Period |
Delinquency Rate, 2002 Cohort |
Delinquency Rate, 2003 Cohort |
Delinquency Rate, 2004 Cohort |
Delinquency Rate, 2005 Cohort |
Delinquency Rate, 2006 Cohort |
Delinquency Rate, 2007 Cohort |
Delinquency Rate, 2008 Cohort |
Delinquency Rate, 2009 Cohort |
| -10.75 |
|
|
|
|
|
|
|
0.00 |
| -10.5 |
|
|
|
|
|
|
|
0.00 |
| -10.25 |
|
|
|
|
|
|
|
0.00 |
| -10 |
|
|
|
|
|
|
|
0.00 |
| -9.75 |
|
|
|
|
|
|
0.00 |
0.00 |
| -9.5 |
|
|
|
|
|
|
0.00 |
0.00 |
| -9.25 |
|
|
|
|
|
|
0.00 |
0.00 |
| -9 |
|
|
|
|
|
|
0.00 |
0.00 |
| -8.75 |
|
|
|
|
|
0.00 |
0.00 |
0.00 |
| -8.5 |
|
|
|
|
|
0.00 |
0.00 |
0.00 |
| -8.25 |
|
|
|
|
|
0.00 |
0.00 |
0.00 |
| -8 |
|
|
|
|
|
0.00 |
0.00 |
0.00 |
| -7.75 |
|
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
| -7.5 |
|
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
| -7.25 |
|
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
| -7 |
|
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
| -6.75 |
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -6.5 |
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -6.25 |
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -6 |
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -5.75 |
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -5.5 |
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -5.25 |
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -5 |
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -4.75 |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -4.5 |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -4.25 |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -4 |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -3.75 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -3.5 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -3.25 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -3 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -2.75 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -2.5 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -2.25 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -2 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -1.75 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -1.5 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -1.25 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -1 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -0.75 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -0.5 |
26.06 |
23.93 |
23.70 |
21.95 |
19.41 |
15.48 |
14.50 |
19.44 |
| -0.25 |
61.23 |
62.22 |
60.64 |
57.86 |
56.13 |
53.12 |
57.57 |
64.40 |
| 0 |
97.20 |
96.91 |
96.42 |
96.54 |
96.06 |
96.57 |
97.57 |
98.12 |
| 0.25 |
81.24 |
80.72 |
79.18 |
77.03 |
79.53 |
86.83 |
88.52 |
88.68 |
| 0.5 |
75.93 |
73.95 |
73.17 |
69.53 |
74.04 |
81.27 |
80.70 |
80.48 |
| 0.75 |
72.30 |
70.47 |
69.79 |
64.52 |
71.60 |
77.03 |
76.48 |
75.31 |
| 1 |
69.96 |
68.70 |
65.63 |
62.76 |
69.28 |
74.03 |
74.27 |
73.60 |
| 1.25 |
68.84 |
67.72 |
61.76 |
62.05 |
67.77 |
72.32 |
72.41 |
|
| 1.5 |
67.42 |
65.32 |
59.54 |
60.77 |
66.24 |
70.41 |
70.89 |
|
| 1.75 |
64.60 |
62.69 |
57.46 |
59.59 |
63.32 |
69.31 |
70.44 |
|
| 2 |
65.01 |
59.94 |
57.21 |
57.16 |
61.99 |
68.56 |
69.79 |
|
| 2.25 |
64.87 |
57.18 |
56.98 |
55.90 |
60.85 |
67.74 |
|
|
| 2.5 |
62.08 |
56.05 |
55.32 |
55.30 |
59.22 |
66.93 |
|
|
| 2.75 |
58.90 |
55.42 |
54.21 |
54.38 |
58.36 |
65.87 |
|
|
| 3 |
55.16 |
54.93 |
52.88 |
53.06 |
57.91 |
62.39 |
|
|
| 3.25 |
52.26 |
54.47 |
51.75 |
51.15 |
57.58 |
|
|
|
| 3.5 |
52.16 |
52.51 |
52.11 |
48.88 |
56.63 |
|
|
|
| 3.75 |
50.81 |
52.22 |
50.98 |
48.65 |
55.13 |
|
|
|
| 4 |
51.80 |
50.08 |
49.97 |
48.76 |
52.77 |
|
|
|
| 4.25 |
51.81 |
48.91 |
48.00 |
48.72 |
|
|
|
|
| 4.5 |
48.93 |
49.41 |
45.49 |
48.92 |
|
|
|
|
| 4.75 |
47.64 |
47.46 |
46.47 |
48.87 |
|
|
|
|
| 5 |
47.00 |
46.81 |
46.35 |
47.75 |
|
|
|
|
| 5.25 |
47.25 |
44.98 |
46.36 |
|
|
|
|
|
| 5.5 |
48.50 |
42.51 |
45.99 |
|
|
|
|
|
| 5.75 |
45.31 |
42.31 |
44.37 |
|
|
|
|
|
| 6 |
40.31 |
41.74 |
43.69 |
|
|
|
|
|
| 6.25 |
39.57 |
39.17 |
|
|
|
|
|
|
| 6.5 |
35.84 |
35.64 |
|
|
|
|
|
|
| 6.75 |
34.02 |
34.03 |
|
|
|
|
|
|
| 7 |
32.82 |
31.79 |
|
|
|
|
|
|
| 7.25 |
32.29 |
|
|
|
|
|
|
|
| 7.5 |
30.33 |
|
|
|
|
|
|
|
Figure 10: Share of Borrowers in Flawless Payment Sample That Are Deliquent by Cohort Panel (b) Credit Card Delinquencies by Cohort
| Years Relative to Foreclosure Period |
Delinquency Rate, 2002 Cohort |
Delinquency Rate, 2003 Cohort |
Delinquency Rate, 2004 Cohort |
Delinquency Rate, 2005 Cohort |
Delinquency Rate, 2006 Cohort |
Delinquency Rate, 2007 Cohort |
Delinquency Rate, 2008 Cohort |
Delinquency Rate, 2009 Cohort |
| -10.75 |
|
|
|
|
|
|
|
0.00 |
| -10.5 |
|
|
|
|
|
|
|
0.00 |
| -10.25 |
|
|
|
|
|
|
|
0.00 |
| -10 |
|
|
|
|
|
|
|
0.00 |
| -9.75 |
|
|
|
|
|
|
0.00 |
0.00 |
| -9.5 |
|
|
|
|
|
|
0.00 |
0.00 |
| -9.25 |
|
|
|
|
|
|
0.00 |
0.00 |
| -9 |
|
|
|
|
|
|
0.00 |
0.00 |
| -8.75 |
|
|
|
|
|
0.00 |
0.00 |
0.00 |
| -8.5 |
|
|
|
|
|
0.00 |
0.00 |
0.00 |
| -8.25 |
|
|
|
|
|
0.00 |
0.00 |
0.00 |
| -8 |
|
|
|
|
|
0.00 |
0.00 |
0.00 |
| -7.75 |
|
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
| -7.5 |
|
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
| -7.25 |
|
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
| -7 |
|
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
| -6.75 |
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -6.5 |
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -6.25 |
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -6 |
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -5.75 |
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -5.5 |
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -5.25 |
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -5 |
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -4.75 |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -4.5 |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -4.25 |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -4 |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -3.75 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -3.5 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -3.25 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -3 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -2.75 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -2.5 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -2.25 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -2 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -1.75 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -1.5 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -1.25 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -1 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -0.75 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -0.5 |
17.09 |
16.53 |
16.20 |
15.13 |
12.34 |
9.01 |
6.61 |
6.35 |
| -0.25 |
36.02 |
36.23 |
37.06 |
34.24 |
29.23 |
23.87 |
17.78 |
16.71 |
| 0 |
51.28 |
51.43 |
52.44 |
47.37 |
44.58 |
40.61 |
31.11 |
28.71 |
| 0.25 |
57.43 |
55.83 |
56.05 |
49.19 |
49.65 |
48.09 |
39.37 |
35.59 |
| 0.5 |
58.07 |
56.52 |
56.59 |
47.81 |
51.31 |
51.15 |
42.79 |
38.64 |
| 0.75 |
58.77 |
56.26 |
54.96 |
46.44 |
52.47 |
52.06 |
44.93 |
41.23 |
| 1 |
56.68 |
56.75 |
52.20 |
46.39 |
51.83 |
51.55 |
46.31 |
45.05 |
| 1.25 |
57.01 |
57.14 |
47.79 |
46.48 |
51.11 |
51.00 |
46.96 |
|
| 1.5 |
57.44 |
55.30 |
45.03 |
46.12 |
50.17 |
49.91 |
47.43 |
|
| 1.75 |
56.34 |
53.19 |
43.93 |
45.85 |
47.78 |
49.56 |
48.02 |
|
| 2 |
57.27 |
49.12 |
43.87 |
42.11 |
46.48 |
48.56 |
48.16 |
|
| 2.25 |
57.69 |
44.42 |
43.16 |
39.73 |
44.63 |
47.48 |
|
|
| 2.5 |
53.78 |
42.22 |
42.65 |
40.48 |
42.48 |
46.86 |
|
|
| 2.75 |
47.32 |
41.40 |
41.57 |
39.84 |
42.03 |
45.84 |
|
|
| 3 |
42.11 |
41.26 |
38.35 |
38.84 |
40.83 |
43.39 |
|
|
| 3.25 |
38.98 |
41.49 |
36.37 |
37.81 |
40.56 |
|
|
|
| 3.5 |
38.29 |
39.59 |
37.62 |
34.41 |
39.48 |
|
|
|
| 3.75 |
38.04 |
38.85 |
36.30 |
34.13 |
37.95 |
|
|
|
| 4 |
41.57 |
35.39 |
35.09 |
33.81 |
35.91 |
|
|
|
| 4.25 |
41.71 |
33.93 |
33.80 |
34.28 |
|
|
|
|
| 4.5 |
35.98 |
35.35 |
30.69 |
34.00 |
|
|
|
|
| 4.75 |
34.14 |
33.59 |
30.75 |
33.95 |
|
|
|
|
| 5 |
33.49 |
33.73 |
30.78 |
31.62 |
|
|
|
|
| 5.25 |
32.38 |
32.93 |
30.71 |
|
|
|
|
|
| 5.5 |
35.66 |
29.03 |
31.15 |
|
|
|
|
|
| 5.75 |
34.12 |
28.65 |
30.23 |
|
|
|
|
|
| 6 |
27.95 |
27.47 |
29.26 |
|
|
|
|
|
| 6.25 |
27.16 |
24.75 |
|
|
|
|
|
|
| 6.5 |
23.58 |
21.43 |
|
|
|
|
|
|
| 6.75 |
22.14 |
19.85 |
|
|
|
|
|
|
| 7 |
22.02 |
19.87 |
|
|
|
|
|
|
| 7.25 |
22.10 |
|
|
|
|
|
|
|
| 7.5 |
21.32 |
|
|
|
|
|
|
|
Figure 10: Share of Borrowers in Flawless Payment Sample That Are Deliquent by Cohort Panel (c) Auto Loan Delinquencies by Cohort
| Years Relative to Foreclosure Period |
Delinquency Rate, 2002 Cohort |
Delinquency Rate, 2003 Cohort |
Delinquency Rate, 2004 Cohort |
Delinquency Rate, 2005 Cohort |
Delinquency Rate, 2006 Cohort |
Delinquency Rate, 2007 Cohort |
Delinquency Rate, 2008 Cohort |
Delinquency Rate, 2009 Cohort |
| -10.75 |
|
|
|
|
|
|
|
0.00 |
| -10.5 |
|
|
|
|
|
|
|
0.00 |
| -10.25 |
|
|
|
|
|
|
|
0.00 |
| -10 |
|
|
|
|
|
|
|
0.00 |
| -9.75 |
|
|
|
|
|
|
0.00 |
0.00 |
| -9.5 |
|
|
|
|
|
|
0.00 |
0.00 |
| -9.25 |
|
|
|
|
|
|
0.00 |
0.00 |
| -9 |
|
|
|
|
|
|
0.00 |
0.00 |
| -8.75 |
|
|
|
|
|
0.00 |
0.00 |
0.00 |
| -8.5 |
|
|
|
|
|
0.00 |
0.00 |
0.00 |
| -8.25 |
|
|
|
|
|
0.00 |
0.00 |
0.00 |
| -8 |
|
|
|
|
|
0.00 |
0.00 |
0.00 |
| -7.75 |
|
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
| -7.5 |
|
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
| -7.25 |
|
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
| -7 |
|
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
| -6.75 |
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -6.5 |
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -6.25 |
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -6 |
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -5.75 |
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -5.5 |
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -5.25 |
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -5 |
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -4.75 |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -4.5 |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -4.25 |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -4 |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -3.75 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -3.5 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -3.25 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -3 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -2.75 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -2.5 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -2.25 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -2 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -1.75 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -1.5 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -1.25 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -1 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -0.75 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -0.5 |
4.53 |
3.94 |
4.33 |
4.06 |
3.54 |
2.14 |
1.49 |
1.32 |
| -0.25 |
9.99 |
10.05 |
12.06 |
10.41 |
9.29 |
6.97 |
4.65 |
3.59 |
| 0 |
14.95 |
17.38 |
19.29 |
17.56 |
16.81 |
13.14 |
9.32 |
6.88 |
| 0.25 |
23.45 |
22.05 |
24.44 |
22.45 |
21.67 |
19.70 |
15.22 |
11.50 |
| 0.5 |
26.91 |
23.00 |
24.74 |
25.27 |
23.45 |
23.83 |
18.18 |
14.20 |
| 0.75 |
27.38 |
24.48 |
25.24 |
24.84 |
25.37 |
26.70 |
20.29 |
15.86 |
| 1 |
28.37 |
23.16 |
25.78 |
25.17 |
26.68 |
27.57 |
22.30 |
19.41 |
| 1.25 |
27.71 |
23.47 |
23.88 |
25.27 |
25.95 |
28.27 |
23.67 |
|
| 1.5 |
26.75 |
22.31 |
23.08 |
25.21 |
27.13 |
28.31 |
25.09 |
|
| 1.75 |
25.69 |
22.07 |
23.83 |
25.27 |
27.56 |
28.85 |
27.07 |
|
| 2 |
28.29 |
22.38 |
23.42 |
25.88 |
27.35 |
30.67 |
27.81 |
|
| 2.25 |
25.58 |
21.85 |
23.03 |
25.64 |
27.33 |
31.01 |
|
|
| 2.5 |
24.52 |
21.48 |
22.30 |
25.59 |
26.80 |
31.43 |
|
|
| 2.75 |
23.86 |
21.83 |
22.71 |
24.45 |
27.28 |
31.68 |
|
|
| 3 |
24.38 |
20.71 |
22.91 |
23.46 |
27.44 |
31.12 |
|
|
| 3.25 |
22.14 |
19.37 |
21.88 |
22.27 |
28.12 |
|
|
|
| 3.5 |
20.07 |
18.76 |
21.94 |
22.18 |
27.07 |
|
|
|
| 3.75 |
19.42 |
18.92 |
21.85 |
21.74 |
26.35 |
|
|
|
| 4 |
19.38 |
18.32 |
21.08 |
22.99 |
22.69 |
|
|
|
| 4.25 |
19.32 |
18.19 |
20.21 |
22.74 |
|
|
|
|
| 4.5 |
19.10 |
18.46 |
19.83 |
22.69 |
|
|
|
|
| 4.75 |
18.30 |
17.93 |
19.90 |
23.42 |
|
|
|
|
| 5 |
17.61 |
17.40 |
19.66 |
22.38 |
|
|
|
|
| 5.25 |
17.82 |
16.81 |
19.65 |
|
|
|
|
|
| 5.5 |
17.65 |
16.34 |
19.87 |
|
|
|
|
|
| 5.75 |
16.12 |
16.87 |
19.20 |
|
|
|
|
|
| 6 |
15.66 |
17.14 |
17.63 |
|
|
|
|
|
| 6.25 |
15.49 |
17.48 |
|
|
|
|
|
|
| 6.5 |
15.00 |
17.15 |
|
|
|
|
|
|
| 6.75 |
15.32 |
15.74 |
|
|
|
|
|
|
| 7 |
15.15 |
14.29 |
|
|
|
|
|
|
| 7.25 |
15.98 |
|
|
|
|
|
|
|
| 7.5 |
15.29 |
|
|
|
|
|
|
|
Figure 10: Share of Borrowers in Flawless Payment Sample That Are Deliquent by Cohort Panel (d) Other (Non-Mortgage) Delinquencies by Cohort
| Years Relative to Foreclosure Period |
Delinquency Rate, 2002 Cohort |
Delinquency Rate, 2003 Cohort |
Delinquency Rate, 2004 Cohort |
Delinquency Rate, 2005 Cohort |
Delinquency Rate, 2006 Cohort |
Delinquency Rate, 2007 Cohort |
Delinquency Rate, 2008 Cohort |
Delinquency Rate, 2009 Cohort |
| -10.75 |
|
|
|
|
|
|
|
0.00 |
| -10.5 |
|
|
|
|
|
|
|
0.00 |
| -10.25 |
|
|
|
|
|
|
|
0.00 |
| -10 |
|
|
|
|
|
|
|
0.00 |
| -9.75 |
|
|
|
|
|
|
0.00 |
0.00 |
| -9.5 |
|
|
|
|
|
|
0.00 |
0.00 |
| -9.25 |
|
|
|
|
|
|
0.00 |
0.00 |
| -9 |
|
|
|
|
|
|
0.00 |
0.00 |
| -8.75 |
|
|
|
|
|
0.00 |
0.00 |
0.00 |
| -8.5 |
|
|
|
|
|
0.00 |
0.00 |
0.00 |
| -8.25 |
|
|
|
|
|
0.00 |
0.00 |
0.00 |
| -8 |
|
|
|
|
|
0.00 |
0.00 |
0.00 |
| -7.75 |
|
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
| -7.5 |
|
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
| -7.25 |
|
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
| -7 |
|
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
| -6.75 |
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -6.5 |
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -6.25 |
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -6 |
|
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -5.75 |
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -5.5 |
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -5.25 |
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -5 |
|
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -4.75 |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -4.5 |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -4.25 |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -4 |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -3.75 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -3.5 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -3.25 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -3 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -2.75 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -2.5 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -2.25 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -2 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -1.75 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -1.5 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -1.25 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -1 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -0.75 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| -0.5 |
10.45 |
9.57 |
10.15 |
9.69 |
8.63 |
5.49 |
3.91 |
3.70 |
| -0.25 |
25.46 |
24.29 |
25.03 |
24.10 |
21.12 |
16.34 |
11.60 |
10.26 |
| 0 |
37.95 |
36.71 |
38.56 |
36.22 |
33.71 |
29.24 |
21.33 |
18.01 |
| 0.25 |
43.30 |
43.64 |
43.87 |
40.52 |
39.59 |
36.75 |
28.40 |
23.45 |
| 0.5 |
44.86 |
44.94 |
43.27 |
39.61 |
42.29 |
40.02 |
32.52 |
27.24 |
| 0.75 |
45.44 |
45.27 |
42.38 |
39.35 |
43.41 |
40.82 |
35.53 |
30.09 |
| 1 |
44.74 |
44.70 |
41.40 |
39.81 |
42.55 |
42.03 |
37.10 |
33.91 |
| 1.25 |
44.14 |
44.21 |
39.27 |
40.67 |
42.30 |
42.70 |
38.40 |
|
| 1.5 |
43.09 |
43.04 |
38.79 |
40.51 |
41.20 |
43.21 |
39.70 |
|
| 1.75 |
43.68 |
41.44 |
38.87 |
40.37 |
39.72 |
43.31 |
40.88 |
|
| 2 |
41.95 |
41.01 |
39.22 |
38.61 |
39.05 |
42.97 |
41.96 |
|
| 2.25 |
39.76 |
39.44 |
38.99 |
37.24 |
38.44 |
43.26 |
|
|
| 2.5 |
39.11 |
39.02 |
38.82 |
36.76 |
37.62 |
43.71 |
|
|
| 2.75 |
37.49 |
38.65 |
38.16 |
36.16 |
37.64 |
43.18 |
|
|
| 3 |
36.44 |
38.75 |
37.56 |
34.93 |
37.84 |
42.92 |
|
|
| 3.25 |
34.95 |
39.14 |
36.29 |
34.14 |
38.14 |
|
|
|
| 3.5 |
36.26 |
37.53 |
35.85 |
33.30 |
38.10 |
|
|
|
| 3.75 |
35.77 |
36.58 |
34.24 |
33.51 |
37.61 |
|
|
|
| 4 |
34.76 |
35.90 |
32.39 |
33.67 |
36.63 |
|
|
|
| 4.25 |
34.50 |
34.78 |
31.13 |
33.98 |
|
|
|
|
| 4.5 |
33.72 |
33.91 |
30.61 |
34.14 |
|
|
|
|
| 4.75 |
32.91 |
31.43 |
31.02 |
33.94 |
|
|
|
|
| 5 |
32.26 |
30.36 |
31.03 |
32.89 |
|
|
|
|
| 5.25 |
32.20 |
28.30 |
30.89 |
|
|
|
|
|
| 5.5 |
30.79 |
26.87 |
31.22 |
|
|
|
|
|
| 5.75 |
28.47 |
27.61 |
29.81 |
|
|
|
|
|
| 6 |
24.95 |
27.56 |
29.44 |
|
|
|
|
|
| 6.25 |
24.70 |
25.38 |
|
|
|
|
|
|
| 6.5 |
21.88 |
23.15 |
|
|
|
|
|
|
| 6.75 |
20.82 |
21.42 |
|
|
|
|
|
|
| 7 |
19.37 |
18.95 |
|
|
|
|
|
|
| 7.25 |
18.21 |
|
|
|
|
|
|
|
| 7.5 |
17.37 |
|
|
|
|
|
|
|