General Assessment

      Variable(2018)
      Data
      Main constraints in the development of the housing finance sector  
      New developments that will have a major impact on the sector 
      back to top | Country Data:
      Notes:
      Notes: 15 year FRM data is used
      Notes: 15 year FRM data is used
      Notes: 15 year FRM data is used
      Notes: Binding if mortgages are sold to GSE
      Notes: Both FannieMae & FreddieMac
      Notes: Both FannieMae & FreddieMac
      Notes: Both FannieMae & FreddieMac
      Notes: Costs vary regionally
      Notes: Federal Housing Authority Insurance
      Notes: federal minimum wage is used; July 24 of each year is the annual cutoff.
      Notes: federal minimum wage is used; July 24 of each year is the annual cutoff.
      Notes: federal minimum wage is used; July 24 of each year is the annual cutoff.
      Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
      Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
      Notes: FRM/total single-family loans
      Notes: Median of a range from 263-444 USD
      Notes: Mortgage interest deductibility is limited to $1 million size of loan. The proportion is very high and estimated at 80% by experts
      Notes: Not at the Federal level, but some states do
      Notes: Section 8
      Notes: Section 8
      Notes: Section 8
      Notes: Section 8
      Notes: Section 8
      Notes: Section 8
      Notes: Section 8
      Notes: Section 8
      Notes: Section 8
      Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government
      Notes: The total number of sales is used as the weight between new and existing housing
      Notes: $400 and up for buyer, $150-$500 for lender, varies by state
      Notes: $400 and up for buyer, $150-$500 for lender, varies by state
      Notes: 0.40%
      Notes: 0.60%
      Notes: 0.70%
      Notes: 0.70%
      Notes: 0.70%
      Notes: 0.70%
      Notes: 0.70%
      Notes: 134%
      Notes: 15 year FRM data is used
      Notes: 15 year FRM data is used
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 2012=100
      Notes: 24% for conventional loans, 28% for FHA
      Notes: 28% for conventional loans (Wells Fargo & Others), 31% for FHA loans, 41% for VA Loans
      Notes: -357%
      Notes: 36% for conventional through Fannie Mae/Freddie Mac, 31% for FHA, 41% for VA
      Notes: 36% for conventional through Fannie Mae/Freddie Mac, 31% for FHA, 41% for VA
      Notes: -67%
      Notes: 80 per Square feet - The average construction cost of a single-family home in 2011 is $184,125. Average Home size: 2,311 square feet in 2011
      Notes: 82 per Square feet - The average construction cost of a single-family home in 2009 is $222,511. Average Home size: 2,716 square feet in 2009
      Notes: Affiliated and independent mortgage companies
      Notes: Affiliated and independent mortgage companies
      Notes: Affiliated and independent mortgage companies
      Notes: Affiliated and independent mortgage companies
      Notes: Affiliated and independent mortgage companies
      Notes: Affiliated and independent mortgage companies
      Notes: All those who itemize tax returns
      Notes: Approximation. Mostly big national lenders
      Notes: Approximation. Mostly big national lenders
      Notes: Approximation. Mostly big national lenders
      Notes: Approximation. Mostly big national lenders
      Notes: Approximation. Mostly big national lenders
      Notes: Approximation. Mostly big national lenders
      Notes: Approximation. Mostly big national lenders
      Notes: ARM/total single-family loans
      Notes: ARM/total single-family loans
      Notes: ARM/total single-family loans
      Notes: ARM/total single-family loans
      Notes: ARM/total single-family loans
      Notes: As a percentage of the outstanding loan balance. 30-60%
      Notes: As a percentage of the outstanding loan balance. 30-60%
      Notes: As a percentage of the outstanding loan balance. 30-60%
      Notes: As a percentage of the outstanding loan balance. 30-60%
      Notes: As a percentage of the outstanding loan balance. 30-60%
      Notes: Average 5/1 ARM rate, term undisclosed
      Notes: Average 5/1 ARM rate, term undisclosed
      Notes: Average 5/1 ARM rate, term undisclosed
      Notes: Average 5/1 ARM rate, term undisclosed
      Notes: Average 5/1 ARM rate, term undisclosed
      Notes: Average 5/1 ARM rate, term undisclosed
      Notes: Average 5/1 ARM rate, term undisclosed
      Notes: Average 5/1 ARM rate, term undisclosed
      Notes: Average 5/1 ARM rate, term undisclosed
      Notes: Average 5/1 ARM rate, term undisclosed
      Notes: Average 5/1 ARM rate, term undisclosed
      Notes: Average 5/1 ARM rate, term undisclosed
      Notes: Average 5/1 ARM rate, term undisclosed
      Notes: Average 5/1 ARM rate, term undisclosed
      Notes: Base year
      Notes: Binding if mortgages are sold to GSE
      Notes: Binding if mortgages are sold to GSE
      Notes: Binding if mortgages are sold to GSE
      Notes: Binding if mortgages are sold to GSE
      Notes: Binding if mortgages are sold to GSE
      Notes: Binding if mortgages are sold to GSE
      Notes: Binding if mortgages are sold to GSE
      Notes: Both FannieMae & FreddieMac
      Notes: Both FannieMae & FreddieMac
      Notes: Both FannieMae & FreddieMac
      Notes: Both FannieMae & FreddieMac
      Notes: Both FannieMae & FreddieMac
      Notes: By the U.S. Housing Affordability convention, the ratio computed here is "Median Price for Existing Single-Family" to "Median Family Income"
      Notes: By the U.S. Housing Affordability convention, the ratio computed here is "Median Price for Existing Single-Family" to "Median Family Income"
      Notes: By the U.S. Housing Affordability convention, the ratio computed here is "Median Price for Existing Single-Family" to "Median Family Income"
      Notes: By the U.S. Housing Affordability convention, the ratio computed here is "Median Price for Existing Single-Family" to "Median Family Income"
      Notes: By the U.S. Housing Affordability convention, the ratio computed here is "Median Price for Existing Single-Family" to "Median Family Income"
      Notes: By the U.S. Housing Affordability convention, the ratio computed here is "Median Price for Existing Single-Family" to "Median Family Income"
      Notes: By the U.S. Housing Affordability convention, the ratio computed here is "Median Price for Existing Single-Family" to "Median Family Income"
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Change in median sale price of new single-family houses
      Notes: Commercial banks as % of total number of mortgage lenders
      Notes: Commercial banks as % of total number of mortgage lenders
      Notes: Commercial banks as % of total number of mortgage lenders
      Notes: Commercial banks as % of total number of mortgage lenders
      Notes: Commercial banks as % of total number of mortgage lenders
      Notes: Commercial banks as % of total number of mortgage lenders
      Notes: Commercial banks as % of total number of mortgage lenders
      Notes: Commercial banks as % of total number of mortgage lenders
      Notes: Commercial banks as % of total number of mortgage lenders
      Notes: Commercial banks as % of total number of mortgage lenders
      Notes: Consumer Financial Protection Bureau
      Notes: Consumer Financial Protection Bureau
      Notes: Consumer Financial Protection Bureau
      Notes: Costs vary regionally
      Notes: Costs vary regionally
      Notes: Costs vary regionally
      Notes: Costs vary regionally
      Notes: Credit unions and savings institutions as % of total number of mortgage lenders
      Notes: Credit unions and savings institutions as % of total number of mortgage lenders
      Notes: Credit unions and savings institutions as % of total number of mortgage lenders
      Notes: Credit unions and savings institutions as % of total number of mortgage lenders
      Notes: Credit unions and savings institutions as % of total number of mortgage lenders
      Notes: Credit unions and savings institutions as % of total number of mortgage lenders
      Notes: Credit unions and savings institutions as % of total number of mortgage lenders
      Notes: Credit unions and savings institutions as % of total number of mortgage lenders
      Notes: Credit unions and savings institutions as % of total number of mortgage lenders
      Notes: Credit unions and savings institutions as % of total number of mortgage lenders
      Notes: Estimation based on the federal minimum hourly wage (40 hrs per week, 4 weeks per month); July 24 of each year is the annual cutoff.
      Notes: Estimation based on the federal minimum hourly wage (40 hrs per week, 4 weeks per month); July 24 of each year is the annual cutoff.
      Notes: Estimation based on the federal minimum hourly wage (40hrs per week, 4 weeks per month); July 24 of each year is the annual cutoff.
      Notes: Excludes incorporated self-employed workers
      Notes: Excludes incorporated self-employed workers
      Notes: Excludes incorporated self-employed workers
      Notes: Excludes incorporated self-employed workers
      Notes: Excludes incorporated self-employed workers
      Notes: Excludes incorporated self-employed workers
      Notes: Excludes incorporated self-employed workers
      Notes: Excludes incorporated self-employed workers
      Notes: Excludes incorporated self-employed workers
      Notes: Excludes incorporated self-employed workers
      Notes: Excludes multifamily units
      Notes: Excludes multifamily units
      Notes: Excludes multifamily units
      Notes: Excludes multifamily units
      Notes: Excludes multifamily units
      Notes: Excludes multifamily units
      Notes: Fannie Mae, Freddie Mac, Ginnie Mae
      Notes: Fannie Mae, Freddie Mac, Ginnie Mae
      Notes: Fannie Mae, Freddie Mac, Ginnie Mae
      Notes: Federal Housing Administration
      Notes: Federal Housing Authority Insurance
      Notes: Federal Housing Authority Insurance
      Notes: Federal Housing Authority Insurance
      Notes: Federal Housing Authority Insurance
      Notes: Federal Housing Authority Insurance
      Notes: Federal Housing Authority Insurance
      Notes: Federal Housing Authority Insurance
      Notes: Federal Housing Authority Insurance
      Notes: Federal Housing Authority Insurance
      Notes: federal minimum wage is used; July 24 of each year is the annual cutoff.
      Notes: federal minimum wage is used; July 24 of each year is the annual cutoff.
      Notes: federal minimum wage is used; July 24 of each year is the annual cutoff.
      Notes: FHA & VA
      Notes: FHA & VA
      Notes: FHA & VA
      Notes: FHA & VA
      Notes: FHA & VA
      Notes: FHA & VA
      Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
      Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
      Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
      Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
      Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
      Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
      Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
      Notes: FNMA, FreddieMac & GinnieMae are implicitly guaranteed by the federal government.
      Notes: FRM/total single-family loans
      Notes: FRM/total single-family loans
      Notes: FRM/total single-family loans
      Notes: FRM/total single-family loans
      Notes: Housing Expense Ratio and Short-term Debt Obligations/the latter is most frequently applied and is calculated over debt/income of all signers of the note/It is not prescribed and lenders have flexibility
      Notes: HUD
      Notes: HUD
      Notes: HUD
      Notes: HUD
      Notes: HUD
      Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
      Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
      Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
      Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
      Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
      Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
      Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
      Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
      Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
      Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
      Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
      Notes: HUD multifamily assisted, or, privately-owned, project-based housing that offer rent subsidies. Other subsidy programs include U.S. Department of Agriculture’s Rural Housing Service, Indian Housing, HOME and CDBG.
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: In current dollars
      Notes: in number of loans
      Notes: in number of loans
      Notes: in number of loans
      Notes: in number of loans
      Notes: Inside Metropolitan Statistical Areas, only for principal cities
      Notes: Inside Metropolitan Statistical Areas, only for principal cities
      Notes: Inside Metropolitan Statistical Areas, only for principal cities
      Notes: Inside Metropolitan Statistical Areas, only for principal cities
      Notes: Inside Metropolitan Statistical Areas, only for principal cities
      Notes: Inside principal cities only of metropolitan statistical areas
      Notes: Inside principal cities only of metropolitan statistical areas
      Notes: Inside principal cities only of metropolitan statistical areas
      Notes: Inside principal cities only of metropolitan statistical areas
      Notes: Inside principal cities only of metropolitan statistical areas
      Notes: Inside principal cities only of metropolitan statistical areas
      Notes: Inside principal cities only of metropolitan statistical areas
      Notes: Inside principal cities only of metropolitan statistical areas
      Notes: Inside principal cities only of metropolitan statistical areas
      Notes: Inside principal cities only of metropolitan statistical areas
      Notes: Inside principal cities only of metropolitan statistical areas
      Notes: Interest is deductible on only the first $1 million of acquisition debt
      Notes: Interest is deductible on only the first $1 million of acquisition debt
      Notes: Interest is deductible on only the first $1 million of acquisition debt
      Notes: Interest is deductible on only the first $1 million of acquisition debt
      Notes: Interest is deductible on only the first $1 million of acquisition debt
      Notes: Interest is deductible on only the first $1 million of acquisition debt
      Notes: Interest is deductible on only the first $1 million of acquisition debt
      Notes: Interest is deductible on only the first $1 million of acquisition debt
      Notes: Interest is deductible on only the first $1 million of acquisition debt
      Notes: Interest is deductible on only the first $1 million of acquisition debt
      Notes: Interest is deductible on only the first $1 million of acquisition debt
      Notes: Interest is deductible on only the first $1 million of acquisition debt
      Notes: Median in the range from 84-600 USD
      Notes: Median in the range from 84-600 USD
      Notes: Median of a range from 263-444 USD
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median sale price of new single-family houses; National figure
      Notes: Median size of new single family housing unit in the United States
      Notes: Median size of new single family housing unit in the United States
      Notes: Median size of new single family housing unit in the United States
      Notes: Median size of new single family housing unit in the United States
      Notes: Median size of new single family housing unit in the United States
      Notes: Median size of new single family housing unit in the United States
      Notes: Median size of new single family housing unit in the United States
      Notes: Median size of new single family housing unit in the United States
      Notes: Median size of new single family housing unit in the United States
      Notes: Median size of new single family housing unit in the United States
      Notes: Median size of new single family housing unit in the United States
      Notes: Median size of new single family housing unit in the United States
      Notes: Median size of new single family housing unit in the United States
      Notes: Median size of new single family housing unit in the United States
      Notes: Median size of new single family housing unit in the United States
      Notes: Median size of new single family housing unit in the United States
      Notes: Median size of new single family housing unit in the United States
      Notes: Median size of new single family housing unit in the United States
      Notes: Median size of new single family housing unit in the United States
      Notes: Mortgage companies
      Notes: Mortgage companies
      Notes: Mortgage companies
      Notes: Mortgage companies as % of total number of mortgage lenders
      Notes: Mortgage companies as % of total number of mortgage lenders
      Notes: Mortgage companies as % of total number of mortgage lenders
      Notes: Mortgage companies as % of total number of mortgage lenders
      Notes: Mortgage companies as % of total number of mortgage lenders
      Notes: Mortgage companies as % of total number of mortgage lenders
      Notes: Mortgage companies as % of total number of mortgage lenders
      Notes: Mortgage companies as % of total number of mortgage lenders
      Notes: Mortgage companies as % of total number of mortgage lenders
      Notes: Mortgage companies as % of total number of mortgage lenders
      Notes: Mortgage interest deductibility is limited to $1 million size of loan
      Notes: Mortgage interest deductibility is limited to $1 million size of loan. The proportion is very high and estimated at 80% by experts
      Notes: Mortgage interest deductibility is limited to $1 million size of loan. The proportion is very high and estimated at 80% by experts
      Notes: Mortgage interest deductibility is limited to $1 million size of loan. The proportion is very high and estimated at 80% by experts
      Notes: Mortgage interest deductibility is limited to $1 million size of loan. The proportion is very high and estimated at 80% by experts
      Notes: Mortgage interest deductibility is limited to $1 million size of loan. The proportion is very high and estimated at 80% by experts
      Notes: Mortgage interest deductibility is limited to $1 million size of loan. The proportion is very high and estimated at 80% by experts
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure
      Notes: National figure, but majority of public/social units are urban
      Notes: National figure, but majority of public/social units are urban
      Notes: National figure, but majority of public/social units are urban
      Notes: National figure, but majority of public/social units are urban
      Notes: National figure, but majority of public/social units are urban
      Notes: National figure, but majority of public/social units are urban
      Notes: National figure, but majority of public/social units are urban
      Notes: National figure, but majority of public/social units are urban
      Notes: National figure, but majority of public/social units are urban
      Notes: National figure, but majority of public/social units are urban
      Notes: National figure, but majority of public/social units are urban
      Notes: National figure, but majority of public/social units are urban
      Notes: National figure, but majority of public/social units are urban
      Notes: National figure, but majority of public/social units are urban
      Notes: National figure, but majority of public/social units are urban
      Notes: National figures are used
      Notes: National figures are used
      Notes: National figures are used
      Notes: National figures are used
      Notes: National figures are used
      Notes: National figures are used
      Notes: New single-family houses sold in metropolitan statistical areas
      Notes: New single-family houses sold in metropolitan statistical areas
      Notes: no income limits; function of house price and income (at any level)
      Notes: no income limits; function of house price and income (at any level)
      Notes: no income limits; function of house price and income (at any level)
      Notes: no income limits; function of house price and income (at any level)
      Notes: no income limits; function of house price and income (at any level)
      Notes: no income limits; function of house price and income (at any level)
      Notes: no income limits; function of house price and income (at any level)
      Notes: not at federal level, some states have it
      Notes: not at federal level, some states have it
      Notes: not at federal level, some states have it
      Notes: not at federal level, some states have it
      Notes: not at federal level, some states have it
      Notes: not at federal level, some states have it
      Notes: not at federal level, some states have it
      Notes: not at federal level, some states have it
      Notes: not at federal level, some states have it
      Notes: not at federal level, some states have it
      Notes: not at federal level, some states have it
      Notes: not at federal level, some states have it
      Notes: Not at the Federal level, but some states do
      Notes: Not at the Federal level, but some states do
      Notes: Not at the Federal level, but some states do
      Notes: Not at the Federal level, but some states do
      Notes: Not at the Federal level, but some states do
      Notes: Not at the Federal level, but some states do
      Notes: Not at the Federal level, but some states do
      Notes: Not at the Federal level, but some states do
      Notes: Number of institutions covered by the Home Mortgage Disclosure Act
      Notes: Number of institutions covered by the Home Mortgage Disclosure Act
      Notes: Number of institutions covered by the Home Mortgage Disclosure Act
      Notes: Number of institutions covered by the Home Mortgage Disclosure Act
      Notes: Number of institutions covered by the Home Mortgage Disclosure Act
      Notes: Number of institutions covered by the Home Mortgage Disclosure Act
      Notes: Number of institutions covered by the Home Mortgage Disclosure Act
      Notes: Only at the state level
      Notes: Only at the state level
      Notes: Only at the state level
      Notes: Only at the state level
      Notes: Only at the state level
      Notes: Only at the state level
      Notes: Only at the state level
      Notes: Section 8
      Notes: some states do
      Notes: some states do
      Notes: some states do
      Notes: some states do
      Notes: some states do
      Notes: The cost of title services and title insurance varies by state. For example, a lender's policy on a $100,000 loan can range from $175 in one state to $900 in another. In some states, the price can even vary by county
      Notes: The cost of title services and title insurance varies by state. For example, a lender's policy on a $100,000 loan can range from $175 in one state to $900 in another. In some states, the price can even vary by county
      Notes: The cost of title services and title insurance varies by state. For example, a lender's policy on a $100,000 loan can range from $175 in one state to $900 in another. In some states, the price can even vary by county
      Notes: The cost of title services and title insurance varies by state. For example, a lender's policy on a $100,000 loan can range from $175 in one state to $900 in another. In some states, the price can even vary by county
      Notes: The cost of title services and title insurance varies by state. For example, a lender's policy on a $100,000 loan can range from $175 in one state to $900 in another. In some states, the price can even vary by county
      Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government.
      Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government.
      Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government.
      Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government.
      Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government.
      Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government.
      Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government.
      Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government.
      Notes: The Federal Home Loan Bank System is implicitly guaranteed by the federal government.
      Notes: The state of Louisiana system is based on principles from France and Spain (civil law). State of California is based on common law but has codified it in a manner of civil law. California and a number of other Western states, however, have retained the concept of community property derived from civil law.
      Notes: The total number of sales is used as the weight between new and existing housing
      Notes: The total number of sales is used as the weight between new and existing housing
      Notes: The total number of sales is used as the weight between new and existing housing
      Notes: The total number of sales is used as the weight between new and existing housing
      Notes: The total number of sales is used as the weight between new and existing housing
      Notes: The total number of sales is used as the weight between new and existing housing
      Notes: There was no AHS-Metropolitan Sample in the 2011 survey. Instead, a supplemental sample of housing units was selected for 29 metropolitan areas. This supplemental sample was combined with the National Sample in these areas in order to produce metropolitan estimates using the National survey.
      Notes: This figure is a % of first-lien residential mortgages serviced by selected national and federal savings banks from the OCC Mortgage Metrics Report for the fourth quarter of 2011. All these mortgages comprise 60 percent of all mortgages outstanding in the United States
      Notes: This figure is a % of first-lien residential mortgages serviced by selected national and federal savings banks from the OCC Mortgage Metrics Report for the fourth quarter of 2011. All these mortgages comprise 60 percent of all mortgages outstanding in the United States
      Notes: This figure is a % of first-lien residential mortgages serviced by selected national and federal savings banks from the OCC Mortgage Metrics Report for the fourth quarter of 2011. All these mortgages comprise 60 percent of all mortgages outstanding in the United States
      Notes: This figure is a % of first-lien residential mortgages serviced by selected national and federal savings banks from the OCC Mortgage Metrics Report for the fourth quarter of 2011. All these mortgages comprise 60 percent of all mortgages outstanding in the United States
      Notes: This figure is for households in metropolitan areas as defined by the U.S. Census Bureau
      Notes: VA
      Notes: VA
      Notes: VA
      Notes: VA
      Notes: Veterans Authority guarantee
      Notes: Veterans Authority guarantee
      Notes: Veterans Authority guarantee
      Notes: Veterans Authority guarantee
      Notes: Veterans Authority guarantee
      Notes: Veterans Authority guarantee
      Notes: Veterans Authority guarantee
      Notes: Veterans Authority guarantee
      Notes: Veterans Authority guarantee
      Notes: weighted average prime rate by JP Morgan Chase, term undisclosed
      Notes: weighted average prime rate by JP Morgan Chase, term undisclosed
      Notes: weighted average prime rate by JP Morgan Chase, term undisclosed
      Notes: weighted average prime rate by JP Morgan Chase, term undisclosed
      Notes: weighted average prime rate by JP Morgan Chase, term undisclosed