Government-Backed Mortgage Insurance Promoted a Speedier Recovery from the Great Recession, Accessible Data

Accessible version of figures

Figure 1: Mortgage Market Share Density Functions

Source: Calculations based on data provided by McDash Analytics, LLC, a wholly owned subsidiary of Lender Processing Services, Inc., and data provided by CoreLogic.

GSE market share GSE density FHA market share FHA density PLS market share PLS density Portfolio market share Portfolio density
0.0957 0.0014 -0.0324 0.0160 0.0234 0.0095 0.0146 0.0138
0.1036 0.0030 -0.0252 0.0460 0.0288 0.0231 0.0196 0.0334
0.1116 0.0058 -0.0179 0.1148 0.0343 0.0505 0.0245 0.0704
0.1196 0.0102 -0.0107 0.2508 0.0397 0.1001 0.0294 0.1307
0.1275 0.0164 -0.0035 0.4827 0.0451 0.1813 0.0343 0.2172
0.1355 0.0242 0.0037 0.8259 0.0505 0.3036 0.0392 0.3295
0.1435 0.0333 0.0109 1.2707 0.0560 0.4749 0.0441 0.4688
0.1514 0.0432 0.0181 1.7847 0.0614 0.7000 0.0490 0.6423
0.1594 0.0538 0.0253 2.3290 0.0668 0.9789 0.0539 0.8636
0.1674 0.0650 0.0325 2.8769 0.0723 1.3051 0.0588 1.1475
0.1753 0.0768 0.0397 3.4176 0.0777 1.6657 0.0637 1.5041
0.1833 0.0891 0.0469 3.9459 0.0831 2.0462 0.0686 1.9376
0.1913 0.1013 0.0542 4.4493 0.0886 2.4356 0.0735 2.4467
0.1992 0.1129 0.0614 4.9056 0.0940 2.8304 0.0784 3.0223
0.2072 0.1237 0.0686 5.2915 0.0994 3.2310 0.0833 3.6445
0.2152 0.1338 0.0758 5.5910 0.1048 3.6355 0.0883 4.2858
0.2231 0.1436 0.0830 5.7953 0.1103 4.0348 0.0932 4.9263
0.2311 0.1533 0.0902 5.8976 0.1157 4.4147 0.0981 5.5667
0.2391 0.1630 0.0974 5.8907 0.1211 4.7636 0.1030 6.2218
0.2470 0.1727 0.1046 5.7751 0.1266 5.0799 0.1079 6.8908
0.2550 0.1832 0.1118 5.5699 0.1320 5.3747 0.1128 7.5298
0.2630 0.1961 0.1191 5.3169 0.1374 5.6672 0.1177 8.0624
0.2709 0.2136 0.1263 5.0691 0.1429 5.9744 0.1226 8.4280
0.2789 0.2373 0.1335 4.8669 0.1483 6.2966 0.1275 8.6245
0.2869 0.2667 0.1407 4.7195 0.1537 6.6062 0.1324 8.7009
0.2948 0.2999 0.1479 4.6035 0.1592 6.8506 0.1373 8.7014
0.3028 0.3336 0.1551 4.4781 0.1646 6.9726 0.1422 8.6142
0.3108 0.3660 0.1623 4.3048 0.1700 6.9400 0.1471 8.3752
0.3187 0.3974 0.1695 4.0633 0.1754 6.7633 0.1520 7.9248
0.3267 0.4307 0.1767 3.7593 0.1809 6.4880 0.1570 7.2690
0.3347 0.4699 0.1839 3.4185 0.1863 6.1676 0.1619 6.4973
0.3426 0.5188 0.1912 3.0698 0.1917 5.8374 0.1668 5.7449
0.3506 0.5801 0.1984 2.7326 0.1972 5.5054 0.1717 5.1301
0.3586 0.6550 0.2056 2.4168 0.2026 5.1621 0.1766 4.7040
0.3665 0.7429 0.2128 2.1291 0.2080 4.7966 0.1815 4.4367
0.3745 0.8423 0.2200 1.8754 0.2135 4.4076 0.1864 4.2418
0.3825 0.9508 0.2272 1.6579 0.2189 4.0064 0.1913 4.0250
0.3904 1.0666 0.2344 1.4733 0.2243 3.6146 0.1962 3.7346
0.3984 1.1896 0.2416 1.3139 0.2297 3.2583 0.2011 3.3828
0.4064 1.3218 0.2488 1.1710 0.2352 2.9601 0.2060 3.0240
0.4143 1.4676 0.2561 1.0387 0.2406 2.7304 0.2109 2.7098
0.4223 1.6327 0.2633 0.9166 0.2460 2.5621 0.2158 2.4565
0.4303 1.8214 0.2705 0.8094 0.2515 2.4320 0.2208 2.2439
0.4382 2.0343 0.2777 0.7206 0.2569 2.3089 0.2257 2.0399
0.4462 2.2668 0.2849 0.6498 0.2623 2.1659 0.2306 1.8275
0.4542 2.5093 0.2921 0.5927 0.2678 1.9919 0.2355 1.6182
0.4621 2.7490 0.2993 0.5446 0.2732 1.7955 0.2404 1.4421
0.4701 2.9738 0.3065 0.5001 0.2786 1.5990 0.2453 1.3231
0.4781 3.1752 0.3137 0.4530 0.2840 1.4245 0.2502 1.2603
0.4860 3.3499 0.3209 0.3976 0.2895 1.2836 0.2551 1.2282
0.4940 3.4982 0.3282 0.3336 0.2949 1.1750 0.2600 1.1936
0.5020 3.6211 0.3354 0.2675 0.3003 1.0895 0.2649 1.1356
0.5099 3.7184 0.3426 0.2085 0.3058 1.0171 0.2698 1.0539
0.5179 3.7882 0.3498 0.1633 0.3112 0.9498 0.2747 0.9628
0.5259 3.8297 0.3570 0.1334 0.3166 0.8820 0.2796 0.8772
0.5338 3.8450 0.3642 0.1164 0.3221 0.8102 0.2845 0.8017
0.5418 3.8382 0.3714 0.1075 0.3275 0.7340 0.2895 0.7317
0.5498 3.8140 0.3786 0.1015 0.3329 0.6568 0.2944 0.6608
0.5577 3.7759 0.3858 0.0947 0.3384 0.5843 0.2993 0.5874
0.5657 3.7266 0.3931 0.0856 0.3438 0.5210 0.3042 0.5147
0.5737 3.6697 0.4003 0.0751 0.3492 0.4678 0.3091 0.4495
0.5816 3.6106 0.4075 0.0640 0.3546 0.4229 0.3140 0.3994
0.5896 3.5550 0.4147 0.0527 0.3601 0.3842 0.3189 0.3705
0.5976 3.5055 0.4219 0.0412 0.3655 0.3517 0.3238 0.3624
0.6055 3.4583 0.4291 0.0311 0.3709 0.3276 0.3287 0.3669
0.6135 3.4029 0.4363 0.0257 0.3764 0.3140 0.3336 0.3710
0.6215 3.3240 0.4435 0.0288 0.3818 0.3103 0.3385 0.3640
0.6294 3.2062 0.4507 0.0423 0.3872 0.3125 0.3434 0.3412
0.6374 3.0395 0.4579 0.0639 0.3927 0.3141 0.3483 0.3036
0.6454 2.8223 0.4652 0.0869 0.3981 0.3094 0.3532 0.2552
0.6533 2.5629 0.4724 0.1028 0.4035 0.2954 0.3582 0.2012
0.6613 2.2766 0.4796 0.1071 0.4089 0.2727 0.3631 0.1475
0.6693 1.9823 0.4868 0.1021 0.4144 0.2443 0.3680 0.1006
0.6772 1.6986 0.4940 0.0943 0.4198 0.2136 0.3729 0.0661
0.6852 1.4398 0.5012 0.0877 0.4252 0.1836 0.3778 0.0468
0.6932 1.2140 0.5084 0.0807 0.4307 0.1566 0.3827 0.0412
0.7011 1.0228 0.5156 0.0697 0.4361 0.1345 0.3876 0.0442
0.7091 0.8624 0.5228 0.0535 0.4415 0.1192 0.3925 0.0493
0.7171 0.7275 0.5301 0.0354 0.4470 0.1125 0.3974 0.0515
0.7250 0.6136 0.5373 0.0199 0.4524 0.1159 0.4023 0.0502
0.7330 0.5184 0.5445 0.0094 0.4578 0.1304 0.4072 0.0482
0.7410 0.4405 0.5517 0.0037 0.4632 0.1552 0.4121 0.0482
0.7489 0.3780 0.5589 0.0012 0.4687 0.1865 0.4170 0.0504
0.7569 0.3277 0.5661 0.0003 0.4741 0.2174 0.4219 0.0517
0.7648 0.2859 0.5733 0.0001 0.4795 0.2383 0.4269 0.0496
0.7728 0.2493 0.5805 0.0000 0.4850 0.2410 0.4318 0.0446
0.7808 0.2164 0.5877 0.0001 0.4904 0.2220 0.4367 0.0409
0.7887 0.1866 0.5949 0.0004 0.4958 0.1856 0.4416 0.0433
0.7967 0.1595 0.6022 0.0013 0.5013 0.1416 0.4465 0.0542
0.8047 0.1348 0.6094 0.0035 0.5067 0.1012 0.4514 0.0718
0.8126 0.1118 0.6166 0.0078 0.5121 0.0720 0.4563 0.0914
0.8206 0.0900 0.6238 0.0146 0.5176 0.0553 0.4612 0.1072
0.8286 0.0697 0.6310 0.0229 0.5230 0.0476 0.4661 0.1146
0.8365 0.0514 0.6382 0.0301 0.5284 0.0432 0.4710 0.1109
0.8445 0.0357 0.6454 0.0332 0.5338 0.0381 0.4759 0.0966
0.8525 0.0233 0.6526 0.0306 0.5393 0.0307 0.4808 0.0750
0.8604 0.0141 0.6598 0.0236 0.5447 0.0221 0.4857 0.0514
0.8684 0.0079 0.6671 0.0153 0.5501 0.0140 0.4906 0.0309
0.8764 0.0040 0.6743 0.0083 0.5556 0.0078 0.4956 0.0161
0.8843 0.0019 0.6815 0.0038 0.5610 0.0038 0.5005 0.0072

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Figure 2: Mortgage Market Share Density Functions

GSE Market Share 2008 Unemployment rate (relative to 2005) 2009 Unemployment rate (relative to 2005) 2009 lower bound (95-percent confidence interval) 2009 upper bound (95-percent confidence interval) 2012 Unemployment rate (relative to 2005) 2014 Unemployment rate (relative to 2005) 2014 lower bound (95-percent confidence interval) 2014 upper bound (95-percent confidence interval) FHA Market Share 2008 Unemployment rate (relative to 2005) 2009 Unemployment rate (relative to 2005) 2009 lower bound (95-percent confidence interval) 2009 upper bound (95-percent confidence interval) 2012 Unemployment rate (relative to 2005) 2014 Unemployment rate (relative to 2005) 2014 lower bound (95-percent confidence interval) 2014 upper bound (95-percent confidence interval) PLS Market Share 2008 Unemployment rate (relative to 2005) 2009 Unemployment rate (relative to 2005) 2009 lower bound (95-percent confidence interval) 2009 upper bound (95-percent confidence interval) 2012 Unemployment rate (relative to 2005) 2014 Unemployment rate (relative to 2005) 2014 lower bound (95-percent confidence interval) 2014 upper bound (95-percent confidence interval) Portfolio Market Share 2008 Unemployment rate (relative to 2005) 2009 Unemployment rate (relative to 2005) 2009 lower bound (95-percent confidence interval) 2009 upper bound (95-percent confidence interval) 2012 Unemployment rate (relative to 2005) 2014 Unemployment rate (relative to 2005) 2014 lower bound (95-percent confidence interval) 2014 upper bound (95-percent confidence interval)
0.37 1.1514 1.8264 1.9389 1.7139 1.5984 1.2621 1.3447 1.1795 0.03 1.2612 2.0560 2.2107 1.9013 1.7910 1.3033 1.3822 1.2244 0.09 1.073 1.690 1.815 1.565 1.453 1.168 1.255 1.081 0.07 0.9084 1.4374 1.5584 1.3165 1.2441 1.0318 1.1010 0.9625
0.38 1.1497 1.8241 1.9401 1.7080 1.5962 1.2592 1.3413 1.1771 0.04 1.2412 2.0231 2.1547 1.8915 1.7528 1.2868 1.3528 1.2208 0.1 1.084 1.709 1.817 1.601 1.469 1.174 1.249 1.100 0.08 0.9462 1.5059 1.6068 1.4051 1.3006 1.0626 1.1202 1.0050
0.39 1.1485 1.8227 1.9344 1.7110 1.5945 1.2563 1.3361 1.1764 0.05 1.2204 1.9889 2.0964 1.8815 1.7128 1.2693 1.3220 1.2167 0.11 1.093 1.729 1.819 1.640 1.486 1.181 1.242 1.120 0.09 0.9860 1.5786 1.6558 1.5013 1.3601 1.0956 1.1386 1.0526
0.4 1.1477 1.8222 1.9273 1.7170 1.5932 1.2533 1.3281 1.1785 0.06 1.2001 1.9555 2.0405 1.8706 1.6738 1.2524 1.2931 1.2116 0.12 1.102 1.749 1.820 1.678 1.503 1.187 1.235 1.138 0.1 1.0228 1.6451 1.7027 1.5875 1.4153 1.1266 1.1581 1.0952
0.41 1.1473 1.8226 1.9206 1.7247 1.5924 1.2503 1.3196 1.1810 0.07 1.1830 1.9268 1.9946 1.8590 1.6417 1.2383 1.2710 1.2056 0.13 1.110 1.769 1.824 1.713 1.520 1.192 1.230 1.155 0.11 1.0545 1.7011 1.7445 1.6576 1.4629 1.1536 1.1771 1.1300
0.42 1.1472 1.8239 1.9140 1.7337 1.5920 1.2473 1.3105 1.1840 0.08 1.1697 1.9037 1.9596 1.8479 1.6180 1.2278 1.2556 1.2000 0.14 1.118 1.787 1.831 1.744 1.536 1.198 1.227 1.169 0.12 1.0814 1.7470 1.7810 1.7130 1.5032 1.1762 1.1949 1.1575
0.43 1.1473 1.8257 1.9077 1.7437 1.5919 1.2442 1.3012 1.1873 0.09 1.1595 1.8849 1.9325 1.8373 1.6006 1.2202 1.2450 1.1953 0.15 1.126 1.805 1.841 1.770 1.551 1.203 1.227 1.180 0.13 1.1041 1.7843 1.8125 1.7560 1.5371 1.1948 1.2108 1.1788
0.44 1.1476 1.8281 1.9019 1.7544 1.5920 1.2412 1.2917 1.1907 0.1 1.1510 1.8687 1.9106 1.8268 1.5873 1.2144 1.2373 1.1914 0.16 1.133 1.822 1.853 1.792 1.565 1.209 1.229 1.189 0.14 1.1229 1.8137 1.8391 1.7884 1.5653 1.2097 1.2247 1.1948
0.45 1.1480 1.8308 1.8965 1.7651 1.5922 1.2382 1.2824 1.1940 0.11 1.1437 1.8541 1.8923 1.8160 1.5765 1.2099 1.2317 1.1881 0.17 1.140 1.839 1.867 1.811 1.579 1.215 1.232 1.197 0.15 1.1384 1.8362 1.8613 1.8110 1.5883 1.2215 1.2367 1.2063
0.46 1.1482 1.8335 1.8917 1.7753 1.5922 1.2353 1.2735 1.1970 0.12 1.1373 1.8407 1.8767 1.8047 1.5676 1.2064 1.2276 1.1853 0.18 1.148 1.855 1.882 1.827 1.592 1.221 1.238 1.205 0.16 1.1510 1.8527 1.8801 1.8252 1.6070 1.2308 1.2473 1.2142
0.47 1.1483 1.8359 1.8875 1.7844 1.5921 1.2324 1.2653 1.1994 0.13 1.1315 1.8283 1.8635 1.7932 1.5603 1.2038 1.2248 1.1828 0.19 1.155 1.870 1.899 1.842 1.605 1.227 1.244 1.211 0.17 1.1614 1.8648 1.8968 1.8328 1.6225 1.2382 1.2574 1.2189
0.48 1.1480 1.8379 1.8837 1.7921 1.5915 1.2295 1.2579 1.2011 0.14 1.1266 1.8170 1.8524 1.7816 1.5547 1.2020 1.2232 1.1807 0.2 1.163 1.885 1.917 1.853 1.618 1.234 1.252 1.216 0.18 1.1703 1.8738 1.9120 1.8355 1.6357 1.2443 1.2674 1.2213
0.49 1.1473 1.8392 1.8803 1.7982 1.5905 1.2268 1.2514 1.2021 0.15 1.1222 1.8066 1.8433 1.7699 1.5505 1.2008 1.2228 1.1788 0.21 1.170 1.900 1.937 1.863 1.630 1.240 1.261 1.220 0.19 1.1783 1.8808 1.9267 1.8349 1.6476 1.2499 1.2777 1.2220
0.5 1.1461 1.8396 1.8768 1.8024 1.5889 1.2241 1.2458 1.2024 0.16 1.1184 1.7969 1.8359 1.7580 1.5475 1.2002 1.2236 1.1768 0.22 1.178 1.915 1.959 1.871 1.643 1.247 1.271 1.223 0.2 1.1860 1.8871 1.9415 1.8327 1.6589 1.2552 1.2886 1.2217
0.51 1.1444 1.8388 1.8730 1.8046 1.5868 1.2215 1.2409 1.2020 0.17 1.1151 1.7879 1.8300 1.7458 1.5454 1.2000 1.2253 1.1747 0.23 1.185 1.929 1.981 1.877 1.654 1.253 1.281 1.225 0.21 1.1937 1.8936 1.9569 1.8303 1.6704 1.2606 1.3001 1.2212
0.52 1.1422 1.8369 1.8688 1.8050 1.5839 1.2189 1.2367 1.2010 0.18 1.1120 1.7793 1.8252 1.7333 1.5439 1.2000 1.2277 1.1724 0.24 1.192 1.943 2.004 1.882 1.666 1.259 1.292 1.226 0.22 1.2019 1.9011 1.9733 1.8288 1.6826 1.2666 1.3121 1.2211
0.53 1.1394 1.8336 1.8639 1.8033 1.5805 1.2163 1.2332 1.1995 0.19 1.1090 1.7709 1.8212 1.7205 1.5427 1.2003 1.2307 1.1698 0.25 1.199 1.957 2.028 1.887 1.678 1.265 1.304 1.227 0.23 1.2109 1.9101 1.9910 1.8292 1.6960 1.2732 1.3247 1.2218
0.54 1.1360 1.8289 1.8583 1.7995 1.5763 1.2138 1.2302 1.1974 0.2 1.1062 1.7626 1.8177 1.7074 1.5417 1.2006 1.2340 1.1671 0.26 1.205 1.972 2.051 1.892 1.690 1.272 1.315 1.228 0.24 1.2208 1.9210 2.0100 1.8320 1.7108 1.2807 1.3377 1.2236
0.55 1.1322 1.8228 1.8521 1.7936 1.5716 1.2113 1.2279 1.1948 0.21 1.1033 1.7543 1.8144 1.6942 1.5407 1.2009 1.2375 1.1642 0.27 1.212 1.986 2.075 1.897 1.702 1.278 1.327 1.229 0.25 1.2315 1.9338 2.0303 1.8373 1.7268 1.2889 1.3511 1.2266
0.56 1.1279 1.8155 1.8453 1.7856 1.5662 1.2088 1.2262 1.1915 0.22 1.1004 1.7459 1.8111 1.6807 1.5396 1.2011 1.2410 1.1612 0.28 1.219 2.000 2.098 1.902 1.714 1.284 1.338 1.230 0.26 1.2432 1.9483 2.0518 1.8448 1.7442 1.2978 1.3648 1.2308
0.57 1.1231 1.8068 1.8383 1.7754 1.5603 1.2064 1.2251 1.1876 0.23 1.0974 1.7375 1.8078 1.6672 1.5384 1.2012 1.2445 1.1580 0.29 1.226 2.015 2.122 1.908 1.726 1.290 1.349 1.231 0.27 1.2556 1.9644 2.0744 1.8545 1.7627 1.3074 1.3788 1.2359
0.58 1.1179 1.7970 1.8311 1.7630 1.5538 1.2039 1.2248 1.1830 0.24 1.0944 1.7289 1.8043 1.6535 1.5370 1.2013 1.2479 1.1548 0.3 1.232 2.029 2.144 1.915 1.739 1.296 1.359 1.232 0.28 1.2686 1.9819 2.0982 1.8656 1.7822 1.3175 1.3931 1.2419
0.59 1.1123 1.7863 1.8238 1.7487 1.5469 1.2014 1.2252 1.1777 0.25 1.0912 1.7202 1.8006 1.6398 1.5353 1.2013 1.2511 1.1514 0.31 1.239 2.044 2.167 1.921 1.751 1.302 1.369 1.235 0.29 1.2822 2.0004 2.1321 1.8688 1.8025 1.3281 1.4111 1.2451
0.6 1.1063 1.7746 1.8166 1.7326 1.5396 1.1990 1.2262 1.1718 0.26 1.0880 1.7114 1.7968 1.6260 1.5335 1.2011 1.2542 1.1480 0.32 1.246 2.059 2.185 1.934 1.763 1.307 1.378 1.237
0.61 1.1001 1.7623 1.8096 1.7150 1.5320 1.1966 1.2278 1.1653 0.27 1.0846 1.7024 1.7927 1.6121 1.5314 1.2008 1.2571 1.1445
0.62 1.0937 1.7494 1.8028 1.6961 1.5240 1.1942 1.2300 1.1584 0.28 1.0812 1.6933 1.7884 1.5982 1.5291 1.2005 1.2599 1.1410
0.63 1.0870 1.7362 1.7962 1.6762 1.5158 1.1918 1.2325 1.1511 0.29 1.0777 1.6841 1.7839 1.5843 1.5266 1.2000 1.2626 1.1374
0.64 1.0802 1.7227 1.7899 1.6556 1.5075 1.1895 1.2355 1.1435 0.3 1.0740 1.6747 1.7791 1.5703 1.5239 1.1994 1.2650 1.1337
0.65 1.0733 1.7092 1.7838 1.6345 1.4991 1.1872 1.2386 1.1357 0.31 1.0703 1.6652 1.7742 1.5563 1.5210 1.1987 1.2673 1.1300
0.66 1.0664 1.6957 1.7781 1.6133 1.4906 1.1849 1.2420 1.1278 0.32 1.0665 1.6556 1.7690 1.5422 1.5178 1.1979 1.2695 1.1263
0.67 1.0595 1.6824 1.7727 1.5920 1.4822 1.1826 1.2455 1.1198 0.33 1.0626 1.6458 1.7620 1.5297 1.5145 1.1970 1.2694 1.1245
0.68 1.0527 1.6693 1.7675 1.5710 1.4738 1.1804 1.2490 1.1117 0.34 1.0586 1.6359 1.7561 1.5158 1.5109 1.1959 1.2711 1.1207
0.69 1.0459 1.6565 1.7626 1.5503 1.4656 1.1781 1.2525 1.1038 0.35 1.0545 1.6259 1.7523 1.4995 1.5072 1.1948 1.2714 1.1183
0.7 1.0392 1.6440 1.7579 1.5301 1.4575 1.1759 1.2558 1.0959 0.36 1.0503 1.6157 1.7461 1.4854 1.5032 1.1936 1.2728 1.1144
0.71 1.0327 1.6320 1.7535 1.5106 1.4495 1.1736 1.2591 1.0882 0.37 1.0460 1.6055 1.7336 1.4774 1.4990 1.1923 1.2706 1.1140
0.72 1.0263 1.6204 1.7493 1.4915 1.4417 1.1714 1.2614 1.0815 0.38 1.0417 1.5950 1.7350 1.4550 1.4947 1.1909 1.2741 1.1077
0.73 1.0201 1.6092 1.7493 1.4692 1.4341 1.1692 1.2689 1.0695 0.39 1.0372 1.5845 1.7285 1.4405 1.4901 1.1894 1.2751 1.1037

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