Spreadsheet: 5e83c856-7785-4e3f-9085-99019c478e28
Sheet: Sheet1

FHA SINGLE-FAMILY OUTLOOK | Unnamed: 1 | Unnamed: 2 | Unnamed: 3 | Unnamed: 4 | Unnamed: 5 | Unnamed: 6 | Unnamed: 7 | Unnamed: 8 | Unnamed: 9 | Unnamed: 10
SINGLE-FAMILY OPERATIONS
November 2012
 |  |  |  |  |  |  |  |  |  | CONTACT INFORMATION
 |  |  |  |  |  |  |  |  |  | [NAME]  [PHONE]
 |  |  |  |  |  |  |  |  |  | ZENORA HINES  [PHONE]
Applications
In November, lenders started 151,574 applications for FHA single family insurance.  This total included 63,234 purchase loans, 80,914 refinance actions and 7,426 reverse mortgages.
With respect to refinancing, 63,641 were for borrowers presently with FHA mortgages, and 17,273 for homeowners looking to convert from conventional financing to FHA.  Included in the refinance count were 386 (conventional-conversion) principal write-down mortgages.
Endorsements
During the month, FHA insured 120,911 single family mortgages -- 7.5 percent less than last month (130,684)
Total endorsement activity included 57,247 purchase loans, 59,228 refinance actions, and 4,436 HECMs.
Among the refinance cases, 51,878 had prior FHA loans and 48,490 of that group (94%) were streamline-process cases.
There were 7,350 conventional conversion refinance endorsements in November, of which 125 were principal write-down transactions.  Among HECM loans, 278 used the Saver MIP option.
Mortgage Insurance Volumes
At the end of the month, FHA had 7,747,702 mortgages in-force with an amortized balance of $1,088.6 billion.  Also, during the month, 120,911 mortgages were insured for $22.1 billion. The average loan was $183,580  --  up from $180,924 in the previous month.
Loans Delinquent
At the end of November, FHA had 735,276 mortgages in serious delinquency, yielding a default rate of 9.5 percent  --  matching October but slightly higher than in the year-earlier period.
Claims
Over the first two months of the fiscal year, FHA paid 60,775 total claims, 26,475 which were for loan-termination (regular type) actions and 34,300 for home retention actions (special claims).
The regular claims included 18,325 property conveyances, 5,621 pre-foreclosure sale actions, and 2,529 of other types.  Of the special claims, 31,098 were for loss mitigation actions and 3,202 for HECMs. [NAME] claims are primarily for loan assignment to HUD while the borrower is still living in the home.
FHA SINGLE-FAMILY OUTLOOK
SINGLE-FAMILY OPERATIONS
November 2012
MONTHLY  COMPARISONS
 | CURRENT |  | LAST |  | RATE OF |  | LAST |  | RATE OF
 | MONTH |  | MONTH |  | CHANGE |  | YEAR |  | CHANGE
TOTAL APPLICATIONS:  * | 151574 |  | 173952 |  | -0.1286446835908757 |  | 125596 |  | 0.2068377973820823
Annual Rate | 2532908 |  | 2225200 |  | 0.1382833003774941 |  | 1925800 |  | 0.3152497663308755
Average per workday | 10011 |  | 8795 |  | 0.1382603752131892 |  | 7612 |  | 0.3151602732527587
Purchase | 63234 |  | 74015 |  | -0.1456596635817065 |  | 67358 |  | -0.06122509575699986
Refinance | 80914 |  | 91691 |  | -0.1175360722426411 |  | 50730 |  | 0.5949931007293514
Prior FHA | 63641 |  | 72283 |  | -0.1195578490101407 |  | 26866 |  | 1.368830492071764
Conventional to FHA | 17273 |  | 19408 |  | -0.1100061830173125 |  | 23864 |  | -0.276190077103587
Short Refinance | 386 |  | 364 |  | 0.06043956043956045 |  | 293 |  | 0.31740614334471
HECM | 7426 |  | 8246 |  | -0.09944215377152554 |  | 7508 |  | -0.01092168353755996
TOTAL ENDORSEMENTS:  * | 120911 |  | 130684 |  | -0.07478344709375284 |  | 88206 |  | 0.370779765548829
Annual Rate | 1450900 |  | 1568200 |  | -0.07479913276367811 |  | 1058500 |  | 0.3707132735002361
Weighted Average FICO Score  ** | 696 |  | 696 |  | 0 |  | 697 |  | -0.001434720229555264
Minority | 30047 |  | 32509 |  | -0.07573287397336126 |  | 22810 |  | 0.3172731258220078
% Minority | 0.2485050987916732 |  | 0.2487603685225429 |  | -0.0002552697308697283 | # | 0.2585991882638369 |  | -0.01009408947216373 | #
Purchase | 57247 |  | 67422 |  | -0.1509151315594316 |  | 57038 |  | 0.003664223850766257
% Purchase | 0.473463952824805 |  | 0.5159162560068562 |  | -0.04245230318205118 | # | 0.6466453529238374 |  | -0.1731814000990324 | #
Average FICO Score  ** | 695 |  | 695 |  | 0 |  | 695 |  | 0
1st Time Home Buyer | 44890 |  | 52574 |  | -0.1461558945486362 |  | 43968 |  | 0.02096979621542938
% 1st Time Home Buyer | 0.7841458941079882 |  | 0.7797751475779419 |  | 0.004370746530046321 | # | 0.7708545180406046 |  | 0.01329137606738362 | #
Non-Minority | 28152 |  | 32806 |  | -0.1418642931171127 |  | 26818 |  | 0.0497427101200687
% Non-Minority | 0.6271329917576297 |  | 0.6239966523376574 |  | 0.003136339419972267 | # | 0.609943595342067 |  | 0.01718939641556272 | #
Minority | 14261 |  | 16872 |  | -0.1547534376481745 |  | 14492 |  | -0.01593982887110135
% Minority | 0.3176876809979951 |  | 0.3209190854795146 |  | -0.003231404481519484 | # | 0.3296033478893741 |  | -0.01191566689137896 | #
Not-Disclosed | 2477 |  | 2896 |  | -0.1446823204419889 |  | 2658 |  | -0.06809631301730623
% Not-Disclosed | 0.05517932724437514 |  | 0.05508426218282801 |  | 9.506506154712685e-05 | # | 0.06045305676855895 |  | -0.005273729524183812 | #
Refinanced | 59228 |  | 59517 |  | -0.004855755498428982 |  | 26514 |  | 1.233838726710417
% Refinanced | 0.4898479046571445 |  | 0.4554268311346454 |  | 0.03442107352249912 | # | 0.3005917964764302 |  | 0.1892561081807143 | #
Average FICO Score  ** | 699 |  | 700 |  | -0.001428571428571446 |  | 703 |  | -0.005689900426742556
Prior FHA | 51878 |  | 51159 |  | 0.01405422310834847 |  | 16201 |  | 2.202148015554596
Streamline | 48490 |  | 47626 |  | 0.01814135136270112 |  | 12349 |  | 2.926633735525144
Streamline % of Refinance | 0.8187006145741879 |  | 0.8002083438345347 |  | 0.0184922707396532 | # | 0.4657539413140228 |  | 0.3529466732601651 | #
Streamline % of Prior FHA | 0.9346929334207178 |  | 0.9309407924314392 |  | 0.003752140989278563 | # | 0.7622368989568545 |  | 0.1724560344638633 | #
Full Process | 3388 |  | 3533 |  | -0.04104160769883947 |  | 3852 |  | -0.1204569055036345
Cash Out | 623 |  | 667 |  | -0.06596701649175407 |  | 644 |  | -0.03260869565217395
Conventional to FHA | 7350 |  | 8359 |  | -0.1207082186864458 |  | 10313 |  | -0.2873072820711723
Cash Out | 2076 |  | 2378 |  | -0.1269974768713205 |  | 2898 |  | -0.2836438923395446
Total Cash Out | 2699 |  | 3045 |  | -0.1136288998357964 |  | 3542 |  | -0.2380011293054771
Total % Cash Out | 0.04556966299723104 |  | 0.05116185291597359 |  | -0.005592189918742552 | # | 0.1335898016142415 |  | -0.0880201386170105 | #
Short Refinance | 125 |  | 119 |  | 0.05042016806722693 |  | 76 |  | 0.644736842105263
HECM | 4436 |  | 3745 |  | 0.1845126835781041 |  | 4654 |  | -0.04684142672969493
% HECM | 0.03668814251805046 |  | 0.02865691285849836 |  | 0.008031229659552101 | # | 0.05276285059973244 |  | -0.01607470808168198 | #
HECM Standard Traditional | 3923 |  | 3305 |  | 0.1869894099848715 |  | 4113 |  | -0.0461949914903963
HECM Stndrd Traditional ARM | 932 |  | 756 |  | 0.2328042328042328 |  | 1096 |  | -0.1496350364963503
HECM Standard Purchase | 153 |  | 155 |  | -0.01290322580645165 |  | 121 |  | 0.2644628099173554
HECM Stndrd Purchase ARM | 1 |  | 7 |  | -0.8571428571428572 |  | 6 |  | -0.8333333333333334
HECM Standard Refinance | 82 |  | 76 |  | 0.07894736842105265 |  | 110 |  | -0.2545454545454545
% HECM Standard Refinance | 0.01848512173128945 |  | 0.02029372496662216 |  | -0.001808603235332714 | # | 0.02363558229480017 |  | -0.005150460563510723 | #
HECM Stndrd Refinance ARM | 14 |  | 15 |  | -0.06666666666666665 |  | 31 |  | -0.5483870967741935
HECM Saver Total | 278 |  | 209 |  | 0.3301435406698565 |  | 310 |  | -0.1032258064516129
Source:     *  F17 CHUMS | #   -  Percentage point difference
**  This series represents the composite FICO score value that is used for loan underwriting.
FHA SINGLE-FAMILY OUTLOOK
SINGLE-FAMILY OPERATIONS
November 2012
MONTHLY  COMPARISONS
 | CURRENT |  | LAST |  | RATE OF |  | LAST |  | RATE OF
 | MONTH |  | MONTH |  | CHANGE |  | YEAR |  | CHANGE
FORWARD ENDORSEMENTS ONLY: *
Section 203(k) | 1718 |  | 1753 |  | -0.01996577296063895 |  | 2148 |  | -0.2001862197392924
Condominium | 5303 |  | 5513 |  | -0.03809178305822603 |  | 2937 |  | 0.8055839291794349
% Condominium | 0.04385870599035654 |  | 0.04218573046432616 |  | 0.001672975526030386 | # | 0.03329705462213455 |  | 0.01056165136822199 | #
ARM (Excludes HECM ARM) | 566 |  | 601 |  | -0.05823627287853572 |  | 2280 |  | -0.7517543859649123
% ARM | 0.00468112909495414 |  | 0.004598879740442595 |  | 8.22493545115455e-05 | # | 0.02584858172913407 |  | -0.02116745263417993 | #
Manufactured Housing (Real Estate) | 2006 |  | 2035 |  | -0.01425061425061425 |  | 1644 |  | 0.2201946472019465
Interest Buy-down | 288 |  | 337 |  | -0.1454005934718101 |  | 357 |  | -0.1932773109243697
Average Processing Time *  ^
(Existing Homes, weeks)
Application to Closing | 7.1 |  | 7.1 |  | 0 |  | 6 |  | 0.1833333333333333
Closing to Endorsement | 3.8 |  | 3.8 |  | 0 |  | 3.7 |  | 0.02702702702702697
Lender Insurance *
Total Lender Insurance | 96987 |  | 105937 |  | -0.08448417455657609 |  | 67305 |  | 0.4410073545798976
% of Total Insurance | 0.8021354550040939 |  | 0.8106348137491965 |  | -0.008499358745102659 | # | 0.7630433303856881 |  | 0.03909212461840583 | #
Forward Mortgages | 96987 |  | 105937 |  | -0.08448417455657609 |  | 67287 |  | 0.4413928396272682
HECM | 0 |  | 0 |  |  |  | 18
Automated Underwriting System *  x
AUS Endorsed | 65432 |  | 76443 |  | -0.1440419659092396 |  | 68818 |  | -0.04920224359905834
AUS as % of Total Endorsed | 0.5617686198755097 |  | 0.6022026327606173 |  | -0.04043401288510751 | # | 0.8236547299885102 |  | -0.2618861101130004 | #
Mortgage Insurance  *
Total Number | 120911 |  | 130684 |  | -0.07478344709375284 |  | 88206 |  | 0.370779765548829
Total Amount ($B) | 22 |  | 23.6 |  | -0.06779661016949146 |  | 15.6 |  | 0.4102564102564104
Forward Mortgages
Total Forward Number | 116475 |  | 126939 |  | -0.08243329473211547 |  | 83552 |  | 0.3940420337035619
Amount ($B) | 21 |  | 22.7 |  | -0.07488986784140961 |  | 14.5 |  | 0.4482758620689655
Purchase Number | 57247 |  | 67422 |  | -0.1509151315594316 |  | 57038 |  | 0.003664223850766257
Amount ($B) | 9.9 |  | 11.7 |  | -0.1538461538461537 |  | 9.4 |  | 0.05319148936170204
Refinance Number | 59228 |  | 59517 |  | -0.004855755498428982 |  | 26514 |  | 1.233838726710417
Amount ($B) | 11.1 |  | 11 |  | 0.009090909090909038 |  | 5.1 |  | 1.176470588235294
Reverse Mortgages
HECM Number | 4436 |  | 3745 |  | 0.1845126835781041 |  | 4654 |  | -0.04684142672969493
Max Claim Amount ($B) | 1 |  | 0.9 |  | 0.1111111111111112 |  | 1.1 |  | -0.09090909090909094
Mortgage Insurance-In-Force **
Total Number | 7747702 |  | 7732341 |  | 0.00198659112421451 |  | 7376641 |  | 0.05030216327458525
Total Unpaid Balance Amount ($B) | 1088.6 |  | 1086.7 |  | 0.001748412625379503 |  | 1030.4 |  | 0.05648291925465809
Loans Seriously Delinquent ***  <
Seriously Delinquent | 735276 |  | 734025 |  | 0.00170430162460411 |  | 689346 |  | 0.06662836949804607
Seriously Delinquent Rate | 0.095 |  | 0.095 |  | 0 | # | 0.093 |  | 0.002000000000000002 | #
Source:     *  F17 CHUMS     **  A43 Single Family Insurance System     ***  F42D Consolidated Single Family Default Monitoring System
#     Percentage point difference
^     Existing homes, including purchase and refinance cases, represent virtually all of insurance activity.
x     AUS includes only forward mortgages accepted and endorsed by the FHA scorecard (TOTAL).
<     This count of seriously delinquent mortgages includes all bankruptcies, all foreclosures and 90 days or more delinquencies.
FHA SINGLE-FAMILY OUTLOOK
SINGLE-FAMILY OPERATIONS
November 2012
FISCAL YEAR COMPARISONS
 | PROJECTIONS |  |  |  |  |  | RATE OF
 | FY 2013 |  | FY 2013 |  | FY 2012 |  | CHANGE |  | FY 2012
 | AS OF OCT 12 |  | TO DATE |  | TO DATE |  | 2013/2012 |  | FINAL
TOTAL APPLICATIONS: * | 1800000 |  | 325526 |  | 255271 |  | 0.2752173180658986 |  | 1826191
Purchase | 907200 |  | 137249 |  | 137938 |  | -0.004994997752613473 |  | 921175
Refinance | 810000 |  | 172605 |  | 102502 |  | 0.6839183625685352 |  | 821543
Prior FHA | 486000 |  | 135924 |  | 53339 |  | 1.548304242674216 |  | 564574
Conventional to FHA | 324000 |  | 36681 |  | 49163 |  | -0.2538901206191648 |  | 256969
Short Refinance |  |  | 750 |  | 559 |  | 0.3416815742397137 |  | 3268
HECM | 82800 |  | 15672 |  | 14831 |  | 0.05670554918751258 |  | 83473
TOTAL ENDORSEMENTS: * | 1368000 |  | 251595 |  | 176266 |  | 0.4273597857783122 |  | 1239874
Minority | 342000 |  | 62556 |  | 45800 |  | 0.3658515283842794 |  | 311812
% Minority | 0.25 |  | 0.248637691528051 |  | 0.2598345682094108 |  | -0.01119687668135971 | # | 0.2514868446309867
Purchase | 807100 |  | 124669 |  | 117634 |  | 0.05980413825934683 |  | 733959
% Purchase | 0.5899853801169591 |  | 0.4955146167451658 |  | 0.6673663667411752 |  | -0.1718517499960094 | # | 0.591962570390217
1st Time Home Buyer | 605300 |  | 97464 |  | 90160 |  | 0.0810115350488021 |  | 569912
% 1st Time Home Buyer | 0.7499690249039772 |  | 0.781782159157449 |  | 0.7664450754033698 |  | 0.01533708375407916 | # | 0.7764902399180336
Non-Minority | 387400 |  | 60958 |  | 55166 |  | 0.1049922053438712 |  | 353119
% Non-Minority | 0.6400132165868164 |  | 0.6254411885414102 |  | 0.6118677905944987 |  | 0.01357339794691148 | # | 0.6196026755007791
Minority | 181600 |  | 31133 |  | 29495 |  | 0.05553483641295132 |  | 183392
% Minority | 0.3000165207335206 |  | 0.3194307641795945 |  | 0.3271406388642413 |  | -0.007709874684646789 | # | 0.3217900307415882
Not-Disclosed | 36300 |  | 5373 |  | 5499 |  | -0.02291325695581015 |  | 33396
% Not-Disclosed | 0.05997026267966298 |  | 0.05512804727899532 |  | 0.06099157054125998 |  | -0.005863523262264664 | # | 0.05859852047333623
Refinanced | 492500 |  | 118745 |  | 49325 |  | 1.407399898631525 |  | 451095
% Refinanced | 0.360014619883041 |  | 0.4719688388084024 |  | 0.2798327527713796 |  | 0.1921360860370228 | # | 0.3638232594602355
Prior FHA | 344800 |  | 103037 |  | 28943 |  | 2.559997235946516 |  | 321820
Streamline | 293100 |  | 96116 |  | 21858 |  | 3.397291609479367 |  | 274160
Streamline % of Refinance | 0.5951269035532994 |  | 0.8094319760832035 |  | 0.4431424227065383 |  | 0.3662895533766652 | # | 0.6077655482769705
Streamline % of Prior FHA | 0.8500580046403712 |  | 0.9328299542882654 |  | 0.755208513284732 |  | 0.1776214410035334 | # | 0.8519047914983531
Full Process | 51700 |  | 6921 |  | 7085 |  | -0.02314749470712774 |  | 47660
Cash Out | 7200 |  | 1290 |  | 1178 |  | 0.09507640067911716 |  | 7558
Conventional to FHA | 147700 |  | 15709 |  | 20383 |  | -0.2293087376735515 |  | 129293
Cash Out | 39900 |  | 4454 |  | 5660 |  | -0.2130742049469965 |  | 35098
Total Cash Out | 47100 |  | 5744 |  | 6838 |  | -0.1599883006727113 |  | 42656
Total % Cash Out | 0.09563451776649746 |  | 0.04837256305528654 |  | 0.1386315255955398 |  | -0.09025896254025326 | # | 0.09456101264700341
Short Refinance |  |  | 244 |  | 165 |  | 0.4787878787878788 |  | 1440
HECM | 68400 |  | 8181 |  | 9307 |  | -0.120984205436768 |  | 54820
% HECM | 0.05 |  | 0.03251654444643177 |  | 0.05280088048744511 |  | -0.02028433604101335 | # | 0.04421417014954745
HECM Standard Traditional | 59800 |  | 7228 |  | 8168 |  | -0.1150832517140059 |  | 47950
HECM Stndrd Traditional ARM | 58600 |  | 1688 |  | 2207 |  | -0.2351608518350702 |  | 12858
HECM Standard Purchase | 2000 |  | 308 |  | 250 |  | 0.232 |  | 1612
HECM Stndrd Purchase ARM | 1900 |  | 8 |  | 11 |  | -0.2727272727272727 |  | 56
HECM Standard Refinance | 1800 |  | 158 |  | 232 |  | -0.3189655172413793 |  | 1440
% HECM Standard Refinance | 0.02631578947368421 |  | 0.01931304241535265 |  | 0.02492747394434297 |  | -0.00561443152899032 | # | 0.02626778547975191
HECM Stndrd Refinance ARM | 1700 |  | 29 |  | 58 |  | -0.5 |  | 418
HECM Saver Total | 4800 |  | 487 |  | 657 |  | -0.258751902587519 |  | 3820
Source:     *  F17 CHUMS
#     Percentage point difference
FHA SINGLE-FAMILY OUTLOOK
SINGLE-FAMILY OPERATIONS
November 2012
FISCAL YEAR COMPARISONS
 | PROJECTIONS |  |  |  |  |  | RATE OF
 | FY 2013 |  | FY 2013 |  | FY 2012 |  | CHANGE |  | FY 2012
 | AS OF OCT 12 |  | TO DATE |  | TO DATE |  | 2013/2012 |  | FINAL
FORWARD ENDORSEMENTS ONLY: *
Section 203(k) |  |  | 3471 |  | 4164 |  | -0.1664265129682997 |  | 22495
Condominium |  |  | 10816 |  | 5935 |  | 0.8224094355518112 |  | 44970
% Condominium |  |  | 0.04298972555098472 |  | 0.03367070223412343 |  | 0.00931902331686129 | # | 0.03626981451341024
ARM (Excludes HECM ARM) |  |  | 1167 |  | 5275 |  | -0.7787677725118484 |  | 20351
% ARM |  |  | 0.004638406963572408 |  | 0.02992636129486118 |  | -0.02528795433128877 | # | 0.01641376462446991
Manufactured Housing (Real Estate) |  |  | 4041 |  | 3292 |  | 0.2275212636695019 |  | 20479
Interest Buy-down |  |  | 625 |  | 776 |  | -0.1945876288659794 |  | 4670
Lender Insurance *
Total Lender Insurance | 980000 |  | 202924 |  | 135361 |  | 0.4991319508573371 |  | 975544
% of Total Insurance | 0.716374269005848 |  | 0.8065502096623541 |  | 0.7679359604234509 |  | 0.03861424923890322 | # | 0.7868089822030303
Forward Mortgages | 960400 |  | 202924 |  | 134557 |  | 0.5080895085354162 |  | 974735
HECM | 19600 |  | 0 |  | 804 |  | -1 |  | 809
Automated Underwriting System  * x
AUS Endorsed | 1094400 |  | 141875 |  | 140071 |  | 0.01287918270020194 |  | 880319
AUS as % of Total Endorsed | 0.8421052631578947 |  | 0.5828547248720287 |  | 0.838954473852862 |  | -0.2560997489808333 | # | 0.7428513806121915
Mortgage Insurance  *
Total Number | 1368000 |  | 251595 |  | 176266 |  | 0.4273597857783122 |  | 1239874
Total Amount ($B) | 248.6 |  | 45.6 |  | 31.3 |  | 0.4568690095846646 |  | 226.5
Forward Mortgages
Total Forward Number | 1299600 |  | 243414 |  | 166959 |  | 0.457926796399116 |  | 1185054
Amount ($B) | 231.1 |  | 43.7 |  | 29.1 |  | 0.5017182130584192 |  | 213.4
Purchase Number | 807100 |  | 124669 |  | 117634 |  | 0.05980413825934683 |  | 733959
Amount ($B) | 141.9 |  | 21.6 |  | 19.6 |  | 0.1020408163265305 |  | 124.5
Refinance Number | 492500 |  | 118745 |  | 49325 |  | 1.407399898631525 |  | 451095
Amount ($B) | 89.2 |  | 22.1 |  | 9.5 |  | 1.326315789473684 |  | 88.9
Reverse Mortgages
HECM Number | 68400 |  | 8181 |  | 9307 |  | -0.120984205436768 |  | 54820
Max Claim Amount ($B) | 17.5 |  | 1.9 |  | 2.2 |  | -0.1363636363636365 |  | 13.2
Claims  **
Total Claims | 291000 |  | 60775 |  | 42593 |  | 0.4268776559528562 |  | 284196
Regular | 147000 |  | 26475 |  | 19912 |  | 0.3296002410606669 |  | 142779
Conveyances | 105000 |  | 18325 |  | 12724 |  | 0.4401917635963533 |  | 102236
Pre-Foreclosures | 38000 |  | 5621 |  | 7138 |  | -0.2125245166713365 |  | 36740
Other Claims | 4000 |  | 2529 |  | 50 |  |  |  | 3803
Special | 144000 |  | 34300 |  | 22681 |  | 0.5122790000440898 |  | 141417
Loss Mitigation Retention | 132000 |  | 31098 |  | 21314 |  | 0.4590410059116075 |  | 129626
HECM Assignments | 12000 |  | 3202 |  | 1367 |  | 1.34235552304316 |  | 11791
Source:     *  F17 CHUMS     **  [NAME]
#     = Percentage point difference
x     AUS includes only forward mortgages accepted and endorsed by the FHA scorecard (TOTAL).