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Tuesday, September 30, 2014

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FHA Lending Activity in the Past Decade: A National Overview

Charts, Tables, and Maps

Charts

Tables

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

Source: HMDA

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Map 1: FHA Loan Originations as Share of FHA Originations (Loan Count) – 2000*

FHA Loan Originations as Share of FHA Originations (Loan Count) – 2000

* Loan count is provided within state boundaries for Map 1, Map 3, Map 5, and Map 7.

Source: HMDA

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Map 2: FHA Loan Originations by State (Loan Count) – 2000

FHA Loan Originations by State (Loan Count) – 2000

Source: HMDA

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Map 3: FHA Loan Originations as Share of FHA Originations (Loan Count) – 2003

FHA Loan Originations as Share of FHA Originations (Loan Count) – 2003

* Loan count is provided within state boundaries for Map 1, Map 3, Map 5, and Map 7.

Source: HMDA

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Map 4: FHA Loan Originations by State (Loan Count) – 2003

FHA Loan Originations by State (Loan Count) – 2003

Source: HMDA

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Map 5: FHA Loan Originations as Share of FHA Originations (Loan Count) – 2006

FHA Loan Originations as Share of FHA Originations (Loan Count) – 2006

* Loan count is provided within state boundaries for Map 1, Map 3, Map 5, and Map 7.

Source: HMDA

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Map 6: FHA Loan Originations by State (Total Number) – 2006

FHA Loan Originations by State (Total Number) – 2006

Source: HMDA

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Map 7: FHA Loan Originations as Share of FHA Originations (Loan Count) – 2009

FHA Loan Originations as Share of FHA Originations (Loan Count) – 2009

* Loan count is provided within state boundaries for Map 1, Map 3, Map 5, and Map 7.

Source: HMDA

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Map 8: FHA Loan Originations by State (Total Number) – 2009

FHA Loan Originations by State (Total Number) – 2009

Source: HMDA

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  • Last updated: Tuesday, February 15, 2011