The Ins and Outs of Mortgage Debt: An Update, Accessible Data

Accessible version of figures

Figure 1: Real Household Mortgage Debt Outstanding

Source: FRBNY CCP/Equifax

Quarter Real household mortgage debt outstanding
1999:Q2 4.78
2000:Q2 5.17
2001:Q2 5.5
2002:Q2 6.18
2003:Q2 6.96
2004:Q2 7.93
2005:Q2 8.76
2006:Q2 9.74
2007:Q2 10.6
2008:Q2 10.9
2009:Q2 10.84
2010:Q2 10.19
2011:Q2 9.64
2012:Q2 9.12
2013:Q2 8.72
2014:Q2 8.66
2015:Q2 8.67

 

Return to text.


Figure 2: Inflows and Outflows, 1999:Q2-2015:Q2

Source: FRBNY CCP/Equifax

Period 1999-01 2001-03 2003-05 2005-07 2007-09 2009-11 2011-13 2013-15
Entrants: low score, first-time borrowers 0.374 0.434 0.497 0.53 0.26 0.163 0.136 0.189
Entrants: high score, first-time borrowers 0.259 0.385 0.456 0.447 0.338 0.31 0.286 0.347
Entrants: low score, not-first-time borrowers 0.373 0.315 0.326 0.341 0.267 0.109 0.118 0.156
Entrants: high score, not-first-time borrowers 0.355 0.467 0.537 0.447 0.355 0.245 0.245 0.333
Increasers: investors 0.228 0.408 0.607 0.902 0.528 0.227 0.216 0.277
Increasers: others 0.328 0.677 0.795 0.809 0.481 0.259 0.241 0.31
Exiters: Had mortgage default in period -0.073 -0.111 -0.134 -0.148 -0.435 -0.723 -0.495 -0.283
Exiters: Others -0.535 -0.723 -0.709 -0.712 -0.622 -0.511 -0.548 -0.518
Decreasers: Investors w/ mtg. default in period -0.011 -0.012 -0.017 -0.023 -0.149 -0.246 -0.139 -0.052
Decreaser: Others -0.609 -0.449 -0.629 -0.82 -0.823 -1.047 -1.008 -0.83

 

Return to text.