FHA Lending Activity in the Past Decade: A National Overview

Charts, Tables, and Maps

Chart 1: Total Loans and FHA Loans, by Total Number, 2000 to 2009

Total Loans and FHA Loans, by Total Number, 2000 to 2009

Source: HMDA

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Chart 2: Fixed Rate Home Mortgage Loans: Contract Interest Rate (%)

Fixed Rate Home Mortgage Loans: Contract Interest Rate (%)

Source: Federal Housing Finance Agency/Haver Analytics

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Chart 3: S&P/Case-Schiller Home Price Index

S&P/Case-Schiller Home Price Index

Source: S&P, Fiserv, and MacroMarkets LLC/Haver Analytics

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Chart 4: All Mortgage Originations

All Mortgage Originations

Source: HMDA

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Chart 5: Total Home Purchase Originations

Total Home Purchase Originations

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Source: HMDA

Chart 6: Total Home Refinance Originations

Total Home Refinance Originations

Source: HMDA

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Chart 7: Total FHA Loan Originations

Total FHA Loan Originations

Source: HMDA

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Chart 8: FHA Home Purchase Loan Originations

FHA Home Purchase Loan Originations

Source: HMDA

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Chart 9: FHA Home Refinance Originations

FHA Home Refinance Originations

Source: HMDA

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Chart 10: FHA Loan Originations in California and Texas, 2000 to 2009 (Loan Count)

FHA Loan Originations in California and Texas, 2000 to 2009 (Loan Count)

Source: HMDA

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Chart 11: Net Percentage of Banks Tightening Standards for Home Mortgage Credit from the Federal Reserve Senior Loan Officer Opinion Survey

Net Percentage of Banks Tightening Standards for Home Mortgage Credit from the Federal Reserve Senior Loan Officer Opinion Survey

Source: Federal Reserve Board/Haver Analytics

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Table 1: All Mortgage Originations
All Loan Originations
Year	Total Number	Total Dollar Amount (Thousands of $)
2000	7,993,076	$910,800,991
2001	13,495,238	$1,839,285,779
2002	15,956,485	$2,541,574,950
2003	21,239,352	$3,387,802,600
2004	14,853,678	$2,549,480,767
2005	15,461,475	$2,868,889,140
2006	13,822,786	$2,597,253,148
2007	10,322,042	$2,059,161,975
2008	7,049,993	$1,399,343,067
2009	8,774,823	$1,795,377,347

Source: HMDA

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Table 2: Total Home Purchase Originations
All Home Purchase
Year	Number	Thousands of $
2000	4,721,023	$617,544,669
2001	4,862,200	$673,489,711
2002	5,042,239	$818,862,567
2003	5,517,506	$904,463,253
2004	6,380,690	$1,144,555,574
2005	7,335,084	$1,371,796,688
2006	6,670,999	$1,260,853,714
2007	4,616,079	$964,385,201
2008	3,061,260	$646,642,083
2009	2,725,052	$537,085,045

Source: HMDA

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Table 3: Refinance Originations (Total Number)
All Home Refinance
Year	Number	Thousands of $
2000	2,381,116	$244,805,461
2001	7,799,971	$1,105,900,202
2002	10,179,761	$1,657,346,393
2003	15,018,635	$2,401,589,699
2004	7,532,449	$1,331,213,267
2005	7,060,185	$1,393,822,614
2006	6,037,889	$1,233,770,098
2007	4,768,274	$1,012,772,988
2008	3,434,028	$710,290,703
2009	5,675,219	$1,222,394,908

Source: HMDA

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Table 4: FHA Market Share and Refinance
FHA Market Share
	Total Number			Total Dollar Amount
Year	All	Purchase	Refinance	All	Purchase	Refinance
2000	10.53%	16.37%	2.39%	9.64%	13.09%	2.51%
2001	9.08%	16.74%	5.18%	7.64%	13.56%	4.35%
2002	6.73%	13.72%	3.71%	5.23%	10.57%	2.73%
2003	5.58%	10.69%	3.93%	4.27%	8.08%	2.93%
2004	4.30%	6.66%	2.77%	3.06%	4.62%	1.87%
2005	2.77%	4.11%	1.74%	1.86%	2.72%	1.13%
2006	2.80%	4.13%	1.76%	2.11%	2.88%	1.46%
2007	4.50%	6.03%	3.72%	3.37%	4.09%	2.85%
2008	17.63%	24.71%	13.83%	15.41%	19.92%	12.00%
2009	20.76%	36.70%	14.30%	18.49%	32.16%	12.91%

Source: HMDA

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Table 5: Total FHA Loan Originations
Total FHA Loan Originations
Year	Number	Thousands of $
2000	841,531	87,782,917
2001	1,224,915	140,466,329
2002	1,074,186	133,050,681
2003	1,184,731	144,687,506
2004	638,757	78,100,681
2005	428,434	53,264,532
2006	387,548	54,768,532
2007	464,667	69,402,415
2008	1,242,686	215,677,400
2009	1,821,227	331,936,141

Source: HMDA

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Table 6: FHA Home Purchase Loan Originations
FHA Purchase Loan Originations
Year	Number	Thousands of $
2000	772,767	$80,830,579
2001	814,115	$91,324,344
2002	691,667	$86,548,638
2003	589,636	$73,076,913
2004	425,212	$52,893,330
2005	301,697	$37,348,744
2006	275,724	$36,299,408
2007	278,459	$39,445,697
2008	756,353	$128,779,108
2009	1,000,020	$172,719,237

Source: HMDA

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Table 7: FHA Originations, 2000 to 2009
	Count				Dollar Amount
Year	All loans	Purchase loans	Refinance loans	Refinance as % of all loans	All	Purchase	Refinance	Refinance as % of all loans
2000	841,531	772,767	57,027	6.78%	$87,782,917	$80,830,579	$6,149,684	7.01%
2001	1,224,915	814,115	404,177	33.00%	$140,466,329	$91,324,344	$48,064,661	34.22%
2002	1,074,186	691,667	377,983	35.19%	$133,050,681	$86,548,638	$45,281,959	34.03%
2003	1,184,731	589,636	590,851	49.87%	$144,687,506	$73,076,913	$70,275,677	48.57%
2004	638,757	425,212	208,679	32.67%	$78,100,681	$52,893,330	$24,914,268	31.90%
2005	428,434	301,697	122,777	28.66%	$53,264,532	$37,348,744	$15,688,141	29.45%
2006	387,548	275,724	106,323	27.43%	$54,768,532	$36,299,408	$17,952,634	32.78%
2007	464,667	278,459	177,339	38.16%	$69,402,415	$39,445,697	$28,839,578	41.55%
2008	1,242,686	756,353	474,766	38.20%	$215,677,400	$128,779,108	$85,256,713	39.53%
2009	1,821,227	1,000,020	811,325	44.55%	$331,936,141	$172,719,237	$157,794,076	47.54%

Source: HMDA

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Table 8: FHA Home Refinance Originations
FHA Refinance Loan Originations
Year	Number	Thousands of $
2000	57,027	$6,149,684
2001	404,177	$48,064,661
2002	377,983	45,281,959
2003	590,851	$70,275,677
2004	208,679	$24,914,268
2005	122,777	15,688,141
2006	106,323	$17,952,634
2007	177,339	$28,839,578
2008	474,766	$85,256,713
2009	811,325	$157,794,076