Spreadsheet: 1b68fb57-a684-4600-ac6a-2cd1d27c28fe
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
October 2012
 |  |  |  |  |  |  |  |  |  | CONTACT INFORMATION
 |  |  |  |  |  |  |  |  |  | [NAME]  [PHONE]
 |  |  |  |  |  |  |  |  |  | ZENORA HINES  [PHONE]
Applications
FHA received 173,952 single family applications in October --  21.7 percent greater than September.  Included in the October count were 74,015 purchase cases, 91,691 refinance transactions, and 8,246 HECM applications.
Refinance applications were for 72,283 prior FHA mortgages and 19,408 conventional conversions.  The later group includes 364 principal write-down loans for borrowers with negative equity.
The refinance count was the largest since July and was  due to growth in both conventional conversions and streamline refinance transactions.
Endorsements
FHA endorsed 130,684 mortgages in October  --  the highest number since November 2010 (131,258).  This consisted of 67,422 purchase money mortgages, 59,517 refinances, and 3,745 reverse mortgages.  Of home-purchase-loan endorsements, 78 percent were for first time home buyers.
The refinance mortgage count has 51,159 prior FHA cases, of which 47,626 (93%) were handled with streamlined procedures.
There were 8,359 conventional conversion refinance loans insured, of which 119 were principal write-down cases.
Of the 3,745 reverse mortgage endorsements in October, 3,536 were [NAME] and 209 were for the Saver option. Within these groups there was a small number of purchase and refinance loans.
Mortgage Insurance Volumes
During the month, 130,684 mortgages were insured for $23.6 billion.  In addition at the end of October, FHA had 7,732,341 single family mortgages-in-force with and amortized balance of almost $1.1 trillion  --  5.3 percent higher than a year ago.
Loans Delinquent
At the end of October, loan servicers reported 734,025 single family mortgage in serious delinquency (90 days or more, or in foreclosure or bankruptcy), yielding a default rate of 9.5 percent  --  down from last month (9.6%).
Claims
This month FHA has paid 13,379 regular claims which covered 9,457 conveyances (REO), 2,841 pre-foreclosure (short) sales, and 1,081 assignments (for pre-foreclosure note sales).
In addition, FHA has paid loan servicers for 18,539 loss mitigation home-retention actions, and has received 908 HECM note assignments via claim payments.
FHA SINGLE-FAMILY OUTLOOK
SINGLE-FAMILY OPERATIONS
October 2012
MONTHLY  COMPARISONS
 | CURRENT |  | LAST |  | RATE OF |  | LAST |  | RATE OF
 | MONTH |  | MONTH |  | CHANGE |  | YEAR |  | CHANGE
TOTAL APPLICATIONS:  * | 173952 |  | 142978 |  | 0.2166347270209403 |  | 129675 |  | 0.341445922498554
Annual Rate | 2225200 |  | 1680400 |  | 0.3242085217805284 |  | 1667100 |  | 0.3347729590306521
Average per workday | 8795 |  | 6642 |  | 0.3241493526046371 |  | 6589 |  | 0.3348004249506753
Purchase | 74015 |  | 65596 |  | 0.1283462406244282 |  | 70580 |  | 0.04866817795409473
Refinance | 91691 |  | 70507 |  | 0.3004524373466464 |  | 51772 |  | 0.7710538515027427
Prior FHA | 72283 |  | 54645 |  | 0.322774270290054 |  | 26473 |  | 1.730442337475919
Conventional to FHA | 19408 |  | 15862 |  | 0.2235531458832429 |  | 25299 |  | -0.2328550535594293
Short Refinance | 364 |  | 365 |  | -0.002739726027397249 |  | 266 |  | 0.368421052631579
HECM | 8246 |  | 6875 |  | 0.1994181818181817 |  | 7323 |  | 0.1260412399289907
TOTAL ENDORSEMENTS:  * | 130684 |  | 109293 |  | 0.1957215924167146 |  | 88060 |  | 0.4840336134453782
Annual Rate | 1568200 |  | 1311500 |  | 0.1957300800609989 |  | 1056700 |  | 0.4840541307845179
Weighted Average FICO Score  ** | 696 |  | 696 |  | 0 |  | 697 |  | -0.001434720229555264
Minority | 32509 |  | 26621 |  | 0.2211787686412983 |  | 22990 |  | 0.4140495867768594
% Minority | 0.2487603685225429 |  | 0.2435746113657782 |  | 0.005185757156764698 | # | 0.261071996366114 |  | -0.01231162784357107 | #
Purchase | 67422 |  | 56812 |  | 0.1867563190875168 |  | 60596 |  | 0.11264769951812
% Purchase | 0.5159162560068562 |  | 0.5198137117656209 |  | -0.003897455758764656 | # | 0.6881217351805587 |  | -0.1722054791737025 | #
Average FICO Score  ** | 695 |  | 695 |  | 0 |  | 696 |  | -0.001436781609195359
1st Time Home Buyer | 52574 |  | 44146 |  | 0.1909119739047704 |  | 46192 |  | 0.1381624523727052
% 1st Time Home Buyer | 0.7797751475779419 |  | 0.7770541434908118 |  | 0.002721004087130052 | # | 0.7622945408937883 |  | 0.01748060668415352 | #
Non-Minority | 32806 |  | 27517 |  | 0.1922084529563544 |  | 28348 |  | 0.1572597714124453
% Non-Minority | 0.6239966523376574 |  | 0.6233180809133331 |  | 0.0006785714243243701 | # | 0.6136993418773814 |  | 0.01029731046027604 | #
Minority | 16872 |  | 14122 |  | 0.194731624415805 |  | 15003 |  | 0.1245750849830034
% Minority | 0.3209190854795146 |  | 0.3198930820459385 |  | 0.001026003433576117 | # | 0.3247965015587115 |  | -0.003877416079196894 | #
Not-Disclosed | 2896 |  | 2507 |  | 0.1551655364978062 |  | 2841 |  | 0.019359380499824
% Not-Disclosed | 0.05508426218282801 |  | 0.05678883704072849 |  | -0.00170457485790048 | # | 0.06150415656390717 |  | -0.006419894381079157 | #
Refinanced | 59517 |  | 48775 |  | 0.220235776524859 |  | 22811 |  | 1.609135943185305
% Refinanced | 0.4554268311346454 |  | 0.4462774377133027 |  | 0.009149393421342633 | # | 0.2590392913922326 |  | 0.1963875397424128 | #
Average FICO Score  ** | 700 |  | 699 |  | 0.001430615164520699 |  | 703 |  | -0.004267425320056861
Prior FHA | 51159 |  | 42325 |  | 0.2087182516243355 |  | 12742 |  | 3.014989797520013
Streamline | 47626 |  | 39577 |  | 0.2033756980064179 |  | 9509 |  | 4.008518245872332
Streamline % of Refinance | 0.8002083438345347 |  | 0.8114197847257817 |  | -0.01121144089124704 | # | 0.4168602867037833 |  | 0.3833480571307514 | #
Streamline % of Prior FHA | 0.9309407924314392 |  | 0.9350738334317779 |  | -0.004133041000338622 | # | 0.7462721707738189 |  | 0.1846686216576203 | #
Full Process | 3533 |  | 2748 |  | 0.2856622998544396 |  | 3233 |  | 0.09279307145066507
Cash Out | 667 |  | 564 |  | 0.1826241134751774 |  | 534 |  | 0.2490636704119851
Conventional to FHA | 8359 |  | 6455 |  | 0.2949651432997675 |  | 10070 |  | -0.1699106256206554
Cash Out | 2378 |  | 1916 |  | 0.2411273486430063 |  | 2762 |  | -0.1390296886314265
Total Cash Out | 3045 |  | 2480 |  | 0.2278225806451613 |  | 3296 |  | -0.07615291262135926
Total % Cash Out | 0.05116185291597359 |  | 0.05084572014351615 |  | 0.000316132772457442 | # | 0.1444916926044452 |  | -0.09332983968847164 | #
Short Refinance | 119 |  | 136 |  | -0.125 |  | 89 |  | 0.3370786516853932
HECM | 3745 |  | 3706 |  | 0.01052347544522392 |  | 4653 |  | -0.1951429185471739
% HECM | 0.02865691285849836 |  | 0.03390885052107637 |  | -0.005251937662578011 | # | 0.05283897342720872 |  | -0.02418206056871036 | #
HECM Standard Traditional | 3305 |  | 3246 |  | 0.01817621688231674 |  | 4055 |  | -0.184956843403206
HECM Stndrd Traditional ARM | 756 |  | 755 |  | 0.001324503311258329 |  | 1111 |  | -0.3195319531953196
HECM Standard Purchase | 155 |  | 126 |  | 0.2301587301587302 |  | 129 |  | 0.2015503875968991
HECM Stndrd Purchase ARM | 7 |  | 5 |  | 0.3999999999999999 |  | 5 |  | 0.3999999999999999
HECM Standard Refinance | 76 |  | 105 |  | -0.2761904761904762 |  | 122 |  | -0.3770491803278688
% HECM Standard Refinance | 0.02029372496662216 |  | 0.02833243389098759 |  | -0.008038708924365423 | # | 0.02621964324091984 |  | -0.005925918274297674 | #
HECM Stndrd Refinance ARM | 15 |  | 20 |  | -0.25 |  | 27 |  | -0.4444444444444444
HECM Saver Total | 209 |  | 229 |  | -0.0873362445414847 |  | 347 |  | -0.3976945244956772
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
October 2012
MONTHLY  COMPARISONS
 | CURRENT |  | LAST |  | RATE OF |  | LAST |  | RATE OF
 | MONTH |  | MONTH |  | CHANGE |  | YEAR |  | CHANGE
FORWARD ENDORSEMENTS ONLY: *
Section 203(k) | 1753 |  | 1599 |  | 0.09631019387116946 |  | 2016 |  | -0.1304563492063492
Condominium | 5513 |  | 4538 |  | 0.2148523578669017 |  | 2998 |  | 0.8388925950633757
% Condominium | 0.04218573046432616 |  | 0.04152141491220847 |  | 0.0006643155521176905 | # | 0.03404496933908699 |  | 0.00814076112523917 | #
ARM (Excludes HECM ARM) | 601 |  | 587 |  | 0.02385008517887566 |  | 2995 |  | -0.7993322203672788
% ARM | 0.004598879740442595 |  | 0.005370883771147283 |  | -0.0007720040307046885 | # | 0.03401090165796048 |  | -0.02941202191751788 | #
Manufactured Housing (Real Estate) | 2035 |  | 1670 |  | 0.2185628742514969 |  | 1648 |  | 0.2348300970873787
Interest Buy-down | 337 |  | 314 |  | 0.0732484076433122 |  | 419 |  | -0.1957040572792362
Average Processing Time *  ^
(Existing Homes, weeks)
Application to Closing | 7.1 |  | 6.8 |  | 0.04411764705882359 |  | 6 |  | 0.1833333333333333
Closing to Endorsement | 3.8 |  | 3.8 |  | 0 |  | 3.6 |  | 0.05555555555555558
Lender Insurance *
Total Lender Insurance | 105937 |  | 87732 |  | 0.2075069529932065 |  | 68056 |  | 0.5566151404725521
% of Total Insurance | 0.8106348137491965 |  | 0.8027229557245203 |  | 0.0079118580246762 | # | 0.7728367022484669 |  | 0.03779811150072965 | #
Forward Mortgages | 105937 |  | 87732 |  | 0.2075069529932065 |  | 67270 |  | 0.5748030325553739
HECM | 0 |  | 0 |  |  |  | 786
Automated Underwriting System *  x
AUS Endorsed | 76443 |  | 63801 |  | 0.198147364461372 |  | 71253 |  | 0.0728390383562798
AUS as % of Total Endorsed | 0.6022026327606173 |  | 0.6042505232651747 |  | -0.002047890504557448 | # | 0.8542808157588692 |  | -0.2520781829982519 | #
Mortgage Insurance  *
Total Number | 130684 |  | 109293 |  | 0.1957215924167146 |  | 88060 |  | 0.4840336134453782
Total Amount ($B) | 23.6 |  | 20 |  | 0.1799999999999999 |  | 15.7 |  | 0.5031847133757961
Forward Mortgages
Total Forward Number | 126939 |  | 105587 |  | 0.2022218644340685 |  | 83407 |  | 0.5219226204035632
Amount ($B) | 22.7 |  | 19.1 |  | 0.1884816753926701 |  | 14.6 |  | 0.5547945205479452
Purchase Number | 67422 |  | 56812 |  | 0.1867563190875168 |  | 60596 |  | 0.11264769951812
Amount ($B) | 11.7 |  | 9.9 |  | 0.1818181818181817 |  | 10.2 |  | 0.1470588235294117
Refinance Number | 59517 |  | 48775 |  | 0.220235776524859 |  | 22811 |  | 1.609135943185305
Amount ($B) | 11 |  | 9.2 |  | 0.1956521739130437 |  | 4.4 |  | 1.5
Reverse Mortgages
HECM Number | 3745 |  | 3706 |  | 0.01052347544522392 |  | 4653 |  | -0.1951429185471739
Max Claim Amount ($B) | 0.9 |  | 0.9 |  | 0 |  | 1.1 |  | -0.1818181818181819
Mortgage Insurance-In-Force **
Total Number | 7732341 |  | 7710746 |  | 0.002800636929293221 |  | 7342078 |  | 0.05315429773423808
Total Unpaid Balance Amount ($B) | 1086.7 |  | 1083.3 |  | 0.003138558109480272 |  | 1025.5 |  | 0.05967820575329119
Loans Seriously Delinquent ***  <
Seriously Delinquent | 734025 |  | 738991 |  | -0.006719973585605277 |  | 661554 |  | 0.1095466129749045
Seriously Delinquent Rate | 0.095 |  | 0.096 |  | -0.001000000000000001 | # | 0.09 |  | 0.005000000000000004 | #
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
October 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 |  | 173952 |  | 129675 |  | 0.341445922498554 |  | 1826191
Purchase | 907200 |  | 74015 |  | 70580 |  | 0.04866817795409473 |  | 921175
Refinance | 810000 |  | 91691 |  | 51772 |  | 0.7710538515027427 |  | 821543
Prior FHA | 486000 |  | 72283 |  | 26473 |  | 1.730442337475919 |  | 564574
Conventional to FHA | 324000 |  | 19408 |  | 25299 |  | -0.2328550535594293 |  | 256969
Short Refinance |  |  | 364 |  | 266 |  | 0.368421052631579 |  | 3268
HECM | 82800 |  | 8246 |  | 7323 |  | 0.1260412399289907 |  | 83473
TOTAL ENDORSEMENTS: * | 1368000 |  | 130684 |  | 88060 |  | 0.4840336134453782 |  | 1239874
Minority | 342000 |  | 32509 |  | 22990 |  | 0.4140495867768594 |  | 311812
% Minority | 0.25 |  | 0.2487603685225429 |  | 0.261071996366114 |  | -0.01231162784357107 | # | 0.2514868446309867
Purchase | 807100 |  | 67422 |  | 60596 |  | 0.11264769951812 |  | 733959
% Purchase | 0.5899853801169591 |  | 0.5159162560068562 |  | 0.6881217351805587 |  | -0.1722054791737025 | # | 0.591962570390217
1st Time Home Buyer | 605300 |  | 52574 |  | 46192 |  | 0.1381624523727052 |  | 569912
% 1st Time Home Buyer | 0.7499690249039772 |  | 0.7797751475779419 |  | 0.7622945408937883 |  | 0.01748060668415352 | # | 0.7764902399180336
Non-Minority | 387400 |  | 32806 |  | 28348 |  | 0.1572597714124453 |  | 353119
% Non-Minority | 0.6400132165868164 |  | 0.6239966523376574 |  | 0.6136993418773814 |  | 0.01029731046027604 | # | 0.6196026755007791
Minority | 181600 |  | 16872 |  | 15003 |  | 0.1245750849830034 |  | 183392
% Minority | 0.3000165207335206 |  | 0.3209190854795146 |  | 0.3247965015587115 |  | -0.003877416079196894 | # | 0.3217900307415882
Not-Disclosed | 36300 |  | 2896 |  | 2841 |  | 0.019359380499824 |  | 33396
% Not-Disclosed | 0.05997026267966298 |  | 0.05508426218282801 |  | 0.06150415656390717 |  | -0.006419894381079157 | # | 0.05859852047333623
Refinanced | 492500 |  | 59517 |  | 22811 |  | 1.609135943185305 |  | 451095
% Refinanced | 0.360014619883041 |  | 0.4554268311346454 |  | 0.2590392913922326 |  | 0.1963875397424128 | # | 0.3638232594602355
Prior FHA | 344800 |  | 51159 |  | 12742 |  | 3.014989797520013 |  | 321820
Streamline | 293100 |  | 47626 |  | 9509 |  | 4.008518245872332 |  | 274160
Streamline % of Refinance | 0.5951269035532994 |  | 0.8002083438345347 |  | 0.4168602867037833 |  | 0.3833480571307514 | # | 0.6077655482769705
Streamline % of Prior FHA | 0.8500580046403712 |  | 0.9309407924314392 |  | 0.7462721707738189 |  | 0.1846686216576203 | # | 0.8519047914983531
Full Process | 51700 |  | 3533 |  | 3233 |  | 0.09279307145066507 |  | 47660
Cash Out | 7200 |  | 667 |  | 534 |  | 0.2490636704119851 |  | 7558
Conventional to FHA | 147700 |  | 8359 |  | 10070 |  | -0.1699106256206554 |  | 129293
Cash Out | 39900 |  | 2378 |  | 2762 |  | -0.1390296886314265 |  | 35098
Total Cash Out | 47100 |  | 3045 |  | 3296 |  | -0.07615291262135926 |  | 42656
Total % Cash Out | 0.09563451776649746 |  | 0.05116185291597359 |  | 0.1444916926044452 |  | -0.09332983968847164 | # | 0.09456101264700341
Short Refinance |  |  | 119 |  | 89 |  | 0.3370786516853932 |  | 1440
HECM | 68400 |  | 3745 |  | 4653 |  | -0.1951429185471739 |  | 54820
% HECM | 0.05 |  | 0.02865691285849836 |  | 0.05283897342720872 |  | -0.02418206056871036 | # | 0.04421417014954745
HECM Standard Traditional | 59800 |  | 3305 |  | 4055 |  | -0.184956843403206 |  | 47950
HECM Stndrd Traditional ARM | 58600 |  | 756 |  | 1111 |  | -0.3195319531953196 |  | 12858
HECM Standard Purchase | 2000 |  | 155 |  | 129 |  | 0.2015503875968991 |  | 1612
HECM Stndrd Purchase ARM | 1900 |  | 7 |  | 5 |  | 0.3999999999999999 |  | 56
HECM Standard Refinance | 1800 |  | 76 |  | 122 |  | -0.3770491803278688 |  | 1440
% HECM Standard Refinance | 0.02631578947368421 |  | 0.02029372496662216 |  | 0.02621964324091984 |  | -0.005925918274297674 | # | 0.02626778547975191
HECM Stndrd Refinance ARM | 1700 |  | 15 |  | 27 |  | -0.4444444444444444 |  | 418
HECM Saver Total | 4800 |  | 209 |  | 347 |  | -0.3976945244956772 |  | 3820
Source:     *  F17 CHUMS
#     Percentage point difference
FHA SINGLE-FAMILY OUTLOOK
SINGLE-FAMILY OPERATIONS
October 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) |  |  | 1753 |  | 2016 |  | -0.1304563492063492 |  | 22495
Condominium |  |  | 5513 |  | 2998 |  | 0.8388925950633757 |  | 44970
% Condominium |  |  | 0.04218573046432616 |  | 0.03404496933908699 |  | 0.00814076112523917 | # | 0.03626981451341024
ARM (Excludes HECM ARM) |  |  | 601 |  | 2995 |  | -0.7993322203672788 |  | 20351
% ARM |  |  | 0.004598879740442595 |  | 0.03401090165796048 |  | -0.02941202191751788 | # | 0.01641376462446991
Manufactured Housing (Real Estate) |  |  | 2035 |  | 1648 |  | 0.2348300970873787 |  | 20479
Interest Buy-down |  |  | 337 |  | 419 |  | -0.1957040572792362 |  | 4670
Lender Insurance *
Total Lender Insurance | 980000 |  | 105937 |  | 68056 |  | 0.5566151404725521 |  | 975544
% of Total Insurance | 0.716374269005848 |  | 0.8106348137491965 |  | 0.7728367022484669 |  | 0.03779811150072965 | # | 0.7868089822030303
Forward Mortgages | 960400 |  | 105937 |  | 67270 |  | 0.5748030325553739 |  | 974735
HECM | 19600 |  | 0 |  | 786 |  | -1 |  | 809
Automated Underwriting System  * x
AUS Endorsed | 1094400 |  | 76443 |  | 71253 |  | 0.0728390383562798 |  | 880319
AUS as % of Total Endorsed | 0.8421052631578947 |  | 0.6022026327606173 |  | 0.8542808157588692 |  | -0.2520781829982519 | # | 0.7428513806121915
Mortgage Insurance  *
Total Number | 1368000 |  | 130684 |  | 88060 |  | 0.4840336134453782 |  | 1239874
Total Amount ($B) | 248.6 |  | 23.6 |  | 15.7 |  | 0.5031847133757961 |  | 226.5
Forward Mortgages
Total Forward Number | 1299600 |  | 126939 |  | 83407 |  | 0.5219226204035632 |  | 1185054
Amount ($B) | 231.1 |  | 22.7 |  | 14.6 |  | 0.5547945205479452 |  | 213.4
Purchase Number | 807100 |  | 67422 |  | 60596 |  | 0.11264769951812 |  | 733959
Amount ($B) | 141.9 |  | 11.7 |  | 10.2 |  | 0.1470588235294117 |  | 124.5
Refinance Number | 492500 |  | 59517 |  | 22811 |  | 1.609135943185305 |  | 451095
Amount ($B) | 89.2 |  | 11 |  | 4.4 |  | 1.5 |  | 88.9
Reverse Mortgages
HECM Number | 68400 |  | 3745 |  | 4653 |  | -0.1951429185471739 |  | 54820
Max Claim Amount ($B) | 17.5 |  | 0.9 |  | 1.1 |  | -0.1818181818181819 |  | 13.2
Claims  **
Total Claims | 291000 |  | 32826 |  | 22805 |  | 0.4394211795658847 |  | 284196
Regular | 147000 |  | 13379 |  | 11237 |  | 0.1906202723146748 |  | 142779
Conveyances | 105000 |  | 9457 |  | 6757 |  | 0.3995856149178629 |  | 102236
Pre-Foreclosures | 38000 |  | 2841 |  | 4434 |  | -0.3592692828146143 |  | 36740
Other Claims | 4000 |  | 1081 |  | 46 |  | 22.5 |  | 3803
Special | 144000 |  | 19447 |  | 11568 |  | 0.6811030428769018 |  | 141417
Loss Mitigation Retention | 132000 |  | 18539 |  | 10718 |  | 0.7297070348945698 |  | 129626
HECM Assignments | 12000 |  | 908 |  | 850 |  | 0.06823529411764695 |  | 11791
Source:     *  F17 CHUMS     **  [NAME]
#     = Percentage point difference
x     AUS includes only forward mortgages accepted and endorsed by the FHA scorecard (TOTAL).