Q Industry Insights Report

Size: px
Start display at page:

Download "Q Industry Insights Report"

Transcription

1 Q Industry Insights Report U.S. Financial Services Nidhi Verma Director, Financial Services Research and Consulting TransUnion

2 TransUnion s Industry Insights Report is a quarterly overview summarizing trends within the consumer lending industry Data pulled from TransUnion s consumer credit database includes: Both account-level and consumer-level views of key metrics and trends TransUnion Industry Insights Report Quarterly overview of consumer credit trends released by TransUnion Financial Services THIRD QUARTER 2015 Data and trends for the national population overall, as well as breakdowns within consumer credit score risk tiers Analysis of consumer loan product types bankcard, private label card, auto, mortgage and home equity line of credit as well as aggregate views of all revolving and all non-revolving loans 2015 TransUnion LLC All Rights Reserved 2

3 The consumer perspective

4 Number of consumers (in millions) More consumers are gaining access to credit 185 Number of consumers with access to an open revolving line of credit Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q TransUnion LLC All Rights Reserved 4

5 Average balance A steady decline has been observed for average revolving balances since 2010 attributed to declining HELOC access Average revolving balance per consumer (for consumers carrying a balance) Total average balance HELOC Bankcard Private label $15,000 $14,000 $13,000 $12,000 $11,000 $10,000 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q Consumers with a balance (indexed to Q1 2010) TransUnion LLC All Rights Reserved 5

6 Average balance Stable debt levels are exhibited by consumers with a non-revolving balance $130,000 Average non-revolving balance per consumer (for consumers carrying a balance) $125,000 $120,000 $115,000 $110,000 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q TransUnion LLC All Rights Reserved 6

7 Major lending products at a glance

8 Balance growth rate Outstanding balances indicate a growing credit market, except for HELOC Q year-over-year balance growth 20% 15% 10% 5% 0% 0.8% 11.1% 4.9% 15.1% -5% Q outstanding balance -4.1% Mortgage Auto Credit card HELOC Consumer loans $8.2 T $1,007 B $744 B $446 B $248 B 2015 TransUnion LLC All Rights Reserved 8

9 60+ days DQ rate Growth in balances is healthy and balanced, as indicated by low levels of delinquency 60+ days balance-level delinquency rates 12% Auto Mortgage HELOC Bankcard Retail Consumer loans 10% 8% 6% 4% 2% 0% Q Q Q Q Q Q Q TransUnion LLC All Rights Reserved 9

10 Credit card sector Controlled growth in balances led by more consumers and benefited by strong economic fundamentals

11 Originations (accounts in millions) Growth in new accounts entering the credit card market continues Quarterly bankcard and private label originations Bankcard Private label Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q TransUnion LLC All Rights Reserved 11

12 Total credit lines (in $ trillions) Consistent growth in originations is leading to higher aggregate credit lines and consumers with access to a bankcard Bankcard credit lines and consumers with access to credit $3.0 $2.8 $2.6 $2.4 $2.2 $2.0 Bankcard Credit Lines Bankcard Consumers Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q Total consumers (in millions) TransUnion LLC All Rights Reserved 12

13 Origination (accounts in millions) Prime and below risk tiers have been the focus of growth in bankcard originations Bankcard originations (accounts) by risk tier Q Q Q Subprime Near Prime Prime Prime Plus Super Prime VantageScore 3.0 risk ranges Subprime = , Near Prime = , Prime = , Prime Plus = , Super Prime = TransUnion LLC All Rights Reserved 13

14 Average credit line indexed to Q While non-prime volumes have grown significantly, average credit line for non-prime consumers has decreased Average bankcard credit line (indexed to Q1 2010) Super prime Prime plus Prime Near prime Subprime Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q VantageScore 3.0 risk ranges Subprime = , Near Prime = , Prime = , Prime Plus = , Super Prime = TransUnion LLC All Rights Reserved 14

15 Utilization rate While credit lines have decreased, bankcard utilization has not changed within non-prime risk tiers Bankcard utilization by risk tier 90% 80% Q Q % 60% 50% 40% 30% 20% 10% 0% Subprime Near Prime Prime Prime Plus Super Prime VantageScore 3.0 risk ranges Subprime = , Near Prime = , Prime = , Prime Plus = , Super Prime = TransUnion LLC All Rights Reserved 15

16 Outstanding balances (in $ billions) Higher consumer volumes offset slightly by lower average consumer balances are still creating a steady growth in balances Outstanding bankcard balances and average balance per consumer Year-over-year Total balances Average consumer balance $660 $5,700 $640 $5,600 $620 $5,500 $5,400 $600 $5,300 $580 $5,200 $560 $5,100 $540 $5,000 Q Q Q Q Q Q growth in balances -11.3% -3.9% -0.1% 0.4% 4.3% 4.7% Average consumer balance 2015 TransUnion LLC All Rights Reserved 16

17 Total credit lines (in $ trillions) Aggregate credit lines are aligned with the increasing number of consumers with an open private label card Private label card credit lines and consumers with access to credit $0.70 $0.65 $0.60 $0.55 $0.50 Total Credit Lines Total consumers Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q Total consumers (in millions) TransUnion LLC All Rights Reserved 17

18 Origination (accounts in millions) Similar to bankcard, new account growth has primarily come from non-prime risk tiers in the private label sector Private label originations (accounts) by risk tier Q Q Q Subprime Near Prime Prime Prime Plus Super Prime VantageScore 3.0 risk ranges Subprime = , Near Prime = , Prime = , Prime Plus = , Super Prime = TransUnion LLC All Rights Reserved 18

19 Average credit line indexed to Q Average credit lines are growing across all risk tiers Average private label credit line (indexed to Q1 2010) Super prime Prime plus Prime Near prime Subprime Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q VantageScore 3.0 risk ranges Subprime = , near prime = , prime = , prime plus = , super prime = TransUnion LLC All Rights Reserved 19

20 Utilization rate Private label card utilization trends have not changed since 2010 Bankcard utilization by risk tier 60% Q Q % 40% 30% 20% 10% 0% Subprime Near Prime Prime Prime Plus Super Prime VantageScore 3.0 risk ranges Subprime = , near prime = , prime = , prime plus = , super prime = TransUnion LLC All Rights Reserved 20

21 Outstanding balances (in $ billions) Steady utilization and higher average credit lines per consumer, coupled with more consumers, has led to steady balance growth Outstanding private label balances and average balance per consumer Year-over-year Total balances Average consumer balance $120 $910 $100 $900 $890 $80 $880 $60 $870 $40 $860 $850 $20 $840 $- $830 Q Q Q Q Q Q growth in balances -9.7% -2.9% 3.6% -1.8% 11.7% 6.1% Average consumer balance 2015 TransUnion LLC All Rights Reserved 21

22 Auto sector More consumers with higher average loans and low levels of delinquency

23 Outstanding balances (in $ billions) Auto market reached $1 trillion in balances led by growing average auto balance and growth in consumers with an auto loan Outstanding auto balances and average consumer balance $1,200 Total balances Average consumer balance $19,000 $1,000 $800 $600 $400 $200 $- Number of consumers with an auto loan (millions) Q Q Q Q Q Q $18,000 $17,000 $16,000 $15,000 $14,000 Average consumer balance $ 2015 TransUnion LLC All Rights Reserved 23

24 Originations (accounts in millions) Auto originations continued the momentum with 7% year-over-year growth Quarterly auto originations (loan and lease) Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q TransUnion LLC All Rights Reserved 24

25 Origination growth since Q Non-prime risk tiers continue to drive tremendous growth in originations Auto originations (accounts) risk composition indexed to Q Super prime Prime plus Prime Near prime Subprime Q Q Q Q Q Q VantageScore 3.0 risk ranges Sub prime = , near prime = , prime = , prime plus = , super prime = TransUnion LLC All Rights Reserved 25

26 Average originating loan term (in months) Average term has been increasing for all risk tiers Average originating loan term 65 Super prime Prime plus Prime 60 Near prime Subprime Total Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q VantageScore 3.0 risk ranges Subprime = , near prime = , prime = , prime plus = , super prime = TransUnion LLC All Rights Reserved 26

27 Originating APR Originating APR on auto loans has decreased significantly for prime and above risk tiers Originating auto loan average APR by risk tier 16% 14% 12% 10% 8% 6% 4% 2% 0% Q Q Subprime Near Prime Prime Prime Plus Super Prime Total VantageScore 3.0 Risk Ranges Subprime: , near prime: , prime: , prime plus: , super prime: TransUnion LLC All Rights Reserved 27

28 Average new auto balance Average new loan amount for auto has continued to grow and surpassed $20,000 in Q Average new auto balance (Q2 2010, Q and Q2 2015) Q Q Q $22,000 $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 Subprime Near Prime Prime Prime Plus Super Prime Total VantageScore 3.0 risk ranges Sub prime = , near prime = , prime = , prime plus = , super prime = TransUnion LLC All Rights Reserved 28

29 Monthly consumer payment on auto loan With reduced APRs and longer terms, monthly payments for consumers have decreased by an average of 7% $500 Monthly consumer payments on auto loan Q Q $450 $400 9% 10% 13% 7% $350 $300 Subprime Near Prime Prime Prime Plus Super Prime Total VantageScore 3.0 risk ranges Subprime = , near prime = , prime = , prime plus = , super prime = TransUnion LLC All Rights Reserved 29

30 Mortgage sector Balance growth and declining delinquencies

31 Originations (accounts in millions) Mortgage originations grew nearly 40% year-over-year, maintaining last quarter s positive trend 2.5 Quarterly mortgage originations % year-over-year origination growth in Q Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q TransUnion LLC All Rights Reserved 31

32 Origination share Higher availability of credit for mortgage borrowers is evident with a shift in share of originations 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 15.3% Mortgage originations (accounts) by risk tier VantageScore 3.0 risk ranges Subprime = , near prime = , prime = , prime plus = , super prime = % Q Q Q Q Q Q % 16.0% Super prime Prime plus Prime Near prime Subprime 2015 TransUnion LLC All Rights Reserved 32

33 Year-over-year growth New York-Northern New Jersey-Long Island, NY-NJ-PA Dallas-Fort Worth- Arlington, TX Chicago-Naperville- Joliet, IL-IN-WI Houston-Sugar Land-Baytown, TX Phoenix-Mesa- Scottsdale, AZ Los Angeles-Long Beach-Santa Ana, CA Miami-Fort Lauderdale- Pompano Beach, FL San Francisco- Oakland-Fremont, CA All MSAs experienced tremendous growth in average new mortgage loan Q (year-over-year) growth rate in average new mortgage balance by MSA 16% 12% 8% 4% 0% CAGR versus Q % 6% 3% 7% 3% 4% 5% 5% 2015 TransUnion LLC All Rights Reserved 33

34 Outstanding balances (in $ trillions) Fueled by growth in account originations and higher new average balance, Q mortgage balances grew a little less than 1% Outstanding mortgage balances and average consumer balance $9 $200,000 $8 $190,000 Average consumer balance $ $7 Q Q Q Q Q Q $180, TransUnion LLC All Rights Reserved 34

35 HELOC sector Robust origination growth influenced by rising home equity trends

36 Originations (accounts in millions) Almost 300,000 borrowers entered this market with new loans, which is a level not observed since the end of the recession 0.35 Quarterly HELOC originations % year-over-year origination growth in Q Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q TransUnion LLC All Rights Reserved 36

37 Originations share Market concentration for HELOC growth has been focused on prime borrowers for many years HELOC originations (accounts) by risk tier 100% 90% 80% 70% 60% Super prime Prime plus Prime Near prime Subprime 50% 40% 30% 20% 10% 96.2% 95.9% 0% Q Q Q Q Q Q VantageScore 3.0 risk ranges Subprime = , near prime = , prime = , prime plus = , super prime = TransUnion LLC All Rights Reserved 37

38 Indexed to Q U.S. home equity has risen at a faster rate than the credit lines and balances in this market HELOC credit lines, balances and home equity levels (indexed to Q1 2010) Credit lines $ Balances $ Home equity Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q Sources: TransUnion credit database *U.S. home equity data from Federal Reserve economic data households; owners equity in real estate 2015 TransUnion LLC All Rights Reserved 38

39 Average new credit line With rising home values, average new loans are increasing at a steady pace HELOC average new credit line and U.S. home equity* indexed to Q Average new credit line U.S. Home equity $120,000 $110,000 $100,000 $90,000 $80,000 $70,000 $60,000 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 $13 $12 $11 $10 $9 $8 $7 $6 Home equity (in $ trillions) Sources: TransUnion credit database *U.S. Home equity data from Federal Reserve economic data households; owners equity in real estate 2015 TransUnion LLC All Rights Reserved 39

40 Consumer loans What s old is new again

41 Originations (accounts in millions) Unsecured loan market has experienced tremendous growth in the past five years Quarterly consumer loan originations 4.0 Secured Unsecured 11% CAGR since Q Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q TransUnion LLC All Rights Reserved 41

42 Originations share Unsecured loan origination distribution is dominated by non-prime consumers Unsecured loan originations (accounts) by risk tier 100% 90% 80% 70% 60% Super prime Prime plus Prime Near prime Subprime 50% 40% 30% 20% 10% 72% 67% 0% Q Q Q Q Q Q VantageScore 3.0 risk ranges Subprime = , near prime = , prime = , prime plus = , super prime = TransUnion LLC All Rights Reserved 42

43 Number of consumers While primarily driven by non-prime accounts, growth has been experienced within prime and higher risk tiers Consumers with an unsecured loan (indexed to Q1 2010) 1.4 Prime Nonprime Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q VantageScore 3.0 risk ranges Subprime = , near prime = , prime = , prime plus = , super prime = TransUnion LLC All Rights Reserved 43

44 Outstanding balances (in $ billions) Unsecured loans make up 33% of the consumer loan market and are driving the growth in this sector Outstanding consumer loans and average consumer balance Unsecured Secured Average unsecured loan Average secured loan $300 $20,000 $250 $200 $150 $100 $50 $- Year-over-year growth in balances Q Q Q Q Q Q % -7% -1% 1% 8% 15% $15,000 $10,000 $5,000 $- Average consumer balance $ 2015 TransUnion LLC All Rights Reserved 44

45 60+ days DQ rate Secured loans have shown stable delinquency trends since 2010 and unsecured loans are now performing like secured loans 60+ days consumer-level delinquency rates 5% Unsecured Secured 4% 3% 2% Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q TransUnion LLC All Rights Reserved 45

46 Looking forward: Low delinquency levels and steady balance growth point to a stable credit market Credit card Auto Mortgage HELOC Consumer loans Consumer spending and stabilized delinquencies would enable a well-managed balance growth Strong economic fundamentals would support continued growth, but at a lower than historical rate Balance growth is expected with higher average loan amounts within all risk tiers Average new credit line growth and origination momentum expected to fuel balance growth Non-prime consumer demand and new finance company entrants would support continued growth 2015 TransUnion LLC All Rights Reserved 46

47 Please join us for our 2016 industry forecast: December 15 at 1 p.m. CT Invitation to follow soon For more information visit: transunioninsights.com/iir

Q Industry Insights Report

Q Industry Insights Report Q1 2016 Industry Insights Report U.S. Financial Services Nidhi Verma Director, Research and Consulting TransUnion In this session, we will review industry trends for major lending products with respect

More information

Revisiting the Subprime Crisis

Revisiting the Subprime Crisis Revisiting the Subprime Crisis Brian Landau Senior Vice President and Auto Business Lead TransUnion May 31, 2018 Several news outlets have raised the question: is a subprime bubble in auto forming? Overstretched

More information

Polling Question 1: What is the biggest factor hurting small businesses in California?

Polling Question 1: What is the biggest factor hurting small businesses in California? Polling Question 1: What is the biggest factor hurting small businesses in California? 1. The loss of home equity and less ability to tap it 2. Tight lending conditions especially on credit cards 3. Labor

More information

Quarterly Economic Update Key Trends

Quarterly Economic Update Key Trends Quarterly Economic Update Key Trends Linda Haran Senior Director June 2011 Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product

More information

Making Home Affordable Program Servicer Performance Report Through December 2009

Making Home Affordable Program Servicer Performance Report Through December 2009 EXHIBIT 6 Overview of Administration Housing Stability Initiatives Initiatives to Support Access to Affordable Mortgage Credit and Housing Initiatives to Prevent Avoidable Foreclosures and Stabilize Neighborhoods

More information

S&P/Case Shiller index

S&P/Case Shiller index S&P/Case Shiller index Home price index Index Jan. 2000=100, 3 month ending 240 220 200 180 160 10-metro composite 140 20-metro composite 120 100 80 2000 2001 2002 2003 2004 Sources: Standard & Poor's

More information

FOR IMMEDIATE RELEASE February 8, 2012

FOR IMMEDIATE RELEASE February 8, 2012 Contact Information Below CoreLogic Reports 830,000 Completed s Nationally in 2011, a Decrease of 24 Percent from One Year Ago 1.4 Million Homes in the Inventory at the End of 2011 SANTA ANA, Calif., CoreLogic

More information

Millennials, Generation Z and credit

Millennials, Generation Z and credit Millennials, Generation Z and credit Introducing: Kelley Motley Experian Natasha Madan Experian Generation overview Gen Z Gen Y Gen X Boomer Silent Age 18 20 Younger: Age 21 27 Age 35 49 Age 50 70 Age

More information

State of the Automotive Finance Market

State of the Automotive Finance Market State of the Automotive Finance Market A look at loans and leases in Q4 2017 Presented by: Melinda Zabritski Sr. Director, Financial Solutions www.experian.com/automotive 2018 Experian Information Solutions,

More information

Investor Presentation. May 13, 2013

Investor Presentation. May 13, 2013 Investor Presentation May 13, 2013 Information Related to Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform

More information

Quarterly overview of consumer credit trends released by TransUnion CIBIL

Quarterly overview of consumer credit trends released by TransUnion CIBIL TransUnion CIBIL Industry Insights Report Quarterly overview of consumer credit trends released by TransUnion CIBIL FIRST QUARTER 2018 Executive Summary For purposes of this report, retail lending includes

More information

Inaugural VantageScore 4.0 Trended Data Model Validation

Inaugural VantageScore 4.0 Trended Data Model Validation SM JUNE 2018 VantageScore 4.0 2015-2017 Validation: Inaugural VantageScore 4.0 Trended Data Model Validation Contents SCORE PERFORMANCE MAINSTREAM CONSUMERS 1 Trended Data Results 1 INDUSTRY RESULTS 3

More information

Unique insights on the consumer credit market

Unique insights on the consumer credit market Unique insights on the consumer credit market Highlights from the 2015 Experian Oliver Wyman Market Intelligence Report Experian and the marks used herein are service marks or registered trademarks of

More information

Carroll Co-Invest Fund II, LP Investor Update, Q4 2013

Carroll Co-Invest Fund II, LP Investor Update, Q4 2013 Carroll Co-Invest Fund II, LP Investor Update, Q4 2013 January 31, 2014 We are pleased to report that Carroll Co-Invest Fund II experienced a successful 4th quarter 2013. Our work at ARIUM Resort, Carroll

More information

Transmission of material in this release is embargoed until 8:30 a.m. (EDT) Wednesday, October 31, 2012

Transmission of material in this release is embargoed until 8:30 a.m. (EDT) Wednesday, October 31, 2012 Transmission of material in this release is embargoed until 8:30 a.m. (EDT) Wednesday, October 31, USDL-12-2162 Technical information: Media contact: (202) 691-6199 NCSinfo@bls.gov www.bls.gov/ect (202)

More information

Commercial Real Estate Lending Patterns and Distressed Residential Mortgage Markets

Commercial Real Estate Lending Patterns and Distressed Residential Mortgage Markets Commercial Real Estate Lending Patterns and Distressed Residential Mortgage Markets Donald R. Cavan 1 This article discusses residential mortgage distress which continues to in uence not only the parties

More information

Consumer Credit Conditions June 2016

Consumer Credit Conditions June 2016 Consumer Credit Conditions June Prepared by the Federal Reserve Bank of Dallas Community Development Consumer Credit Conditions, June : Auto and Retail Loans Blemish Improved Delinquency Report The Consumer

More information

General Fund revenues and expenditures California

General Fund revenues and expenditures California General Fund revenues and expenditures California US$ billions 110 100 90 Expenditures 80 70 Revenues 60 50 40 30 * 1994 1996 1998 2000 2002 2004 2006 2008 2010 2012 Sources: Legislative Analyst Office,

More information

Investor Presentation. February 11, 2014

Investor Presentation. February 11, 2014 Investor Presentation February 11, 2014 Information Related to Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform

More information

WASHINGTON DC METRO AREA

WASHINGTON DC METRO AREA Prepared for J.P. Morgan I December 5, 2012 Market Overview The Washington DC area is a top-ranked real estate market with strong fundamentals. It is the 4 th largest metro economy behind New York City,

More information

Real gross domestic product

Real gross domestic product Real gross domestic product United States Compound annual growth rate 10 5 0-5 -10 80 82 84 86 88 90 92 94 96 98 00 02 04 06 08 Sources: Bureau of Economic Analysis, IHS Global Insight. Employment by sector

More information

US Hotel Industry Overview. Chris Crenshaw

US Hotel Industry Overview. Chris Crenshaw US Hotel Industry Overview Chris Crenshaw ccrenshaw@str.com July 2014 (12 MMA): All Signs Point To A Sellers Market % Change Room Supply* 1.8 bn 0.8% Room Demand* 1.1 bn 3.4% Occupancy 63 % 2.6% A.D.R.*

More information

The Bubble, the Burst and Now What Happened to the Consumer? Joe Mellman Vice President, Financial Services TransUnion

The Bubble, the Burst and Now What Happened to the Consumer? Joe Mellman Vice President, Financial Services TransUnion The Bubble, the Burst and Now What Happened to the Consumer? Joe Mellman Vice President, Financial Services TransUnion How did the financial crisis affect consumers and how have they fared since? 1 2 3

More information

Universe expansion. Growth strategies in the evolving consumer market

Universe expansion. Growth strategies in the evolving consumer market Growth strategies in the evolving consumer market Executive summary As the economy gains strength, lenders are engaging in an increasingly fierce competition to entice the best candidates to their portfolios

More information

ROBERTA WYN, STEPHANIE TELEKI, AND E. RICHARD BROWN

ROBERTA WYN, STEPHANIE TELEKI, AND E. RICHARD BROWN Differences in Access to Health Care Among The Moderate- and Low-Income Population Across Urban Areas ROBERTA WYN, STEPHANIE TELEKI, AND E. RICHARD BROWN Urban areas in the United States vary widely in

More information

2007 Outlook for Southern California Housing

2007 Outlook for Southern California Housing Outlook for Southern Housing Presentation at the RERCSC Quarterly Luncheon Meeting, Cal Poly University, Pomona, March, U.S. Expansion Continues Outlook for Southern Housing Real Estate Research Council

More information

UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF CALIFORNIA

UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF CALIFORNIA 1 1 1 1 1 1 1 1 0 1 ERIC H. HOLDER, JR. Attorney General JOCELYN SAMUELS Acting Assistant Attorney General Civil Rights Division STEVEN H. ROSENBAUM Chief COTY R. MONTAG Deputy Chief Cal. State Bar No.

More information

A Perspective on Credit Card Usage and Consumer Performance

A Perspective on Credit Card Usage and Consumer Performance February 22, 2011 Consumer Financial Protection Bureau A Perspective on Credit Card Usage and Consumer Performance Ezra D. Becker Vice President, Research and Consulting Financial Services Group ebecker@transunion.com

More information

PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION

PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION PUBLIC DISCLOSURE March 9, 2009 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION RSSD No. 2736291 9600 West Bryn Mawr Rosemont, Illinois 60018 Federal Reserve Bank of New York 33 Liberty Street New York,

More information

Addendum to: The Community Reinvestment Act: A Welcome Anomaly in the Foreclosure Crisis

Addendum to: The Community Reinvestment Act: A Welcome Anomaly in the Foreclosure Crisis Addendum to: The Community Reinvestment Act: A Welcome Anomaly in the Foreclosure Crisis Relevant Figures Recalculated to Include CRA Bank Affiliate Lending January 14, 2008 Prepared by: Attorneys at Law

More information

County of Sonoma Agenda Item Summary Report

County of Sonoma Agenda Item Summary Report Revision No. 20151201-1 County of Sonoma Agenda Item Summary Report Agenda Item Number: 31h (This Section for use by Clerk of the Board Only.) Clerk of the Board 575 Administration Drive Santa Rosa, CA

More information

Emerging Opportunities in Home Equity Lending. Joe Mellman Senior Vice President, Mortgage Business Lead

Emerging Opportunities in Home Equity Lending. Joe Mellman Senior Vice President, Mortgage Business Lead Emerging Opportunities in Home Equity Lending Joe Mellman Senior Vice President, Mortgage Business Lead In this session, we ll address: What is the current state of the home equity lending market? Why

More information

CCRSI RELEASE APRIL 2014 (With data through FEBRUARY 2014)

CCRSI RELEASE APRIL 2014 (With data through FEBRUARY 2014) CCRSI RELEASE APRIL 2014 (With data through FEBRUARY 2014) PRICE MOMENTUM FOR COMMERCIAL REAL ESTATE CONTINUED TO BUILD IN FEBRUARY REFLECTING BROAD RECOVERY IN MARKET FUNDAMENTALS AND PRICING, EQUAL-WEIGHTED

More information

CoreLogic Equity Report

CoreLogic Equity Report CoreLogic Equity Report REPORT NATIONAL OVERVIEW Equity Distribution Improves as Price Gains Extend from 2012 into 2013 850,000 Residential Properties Returned to Positive Equity During the First Quarter

More information

STRONG MARKET FUNDAMENTALS SUPPORT BROAD PRICE GAINS IN MAY

STRONG MARKET FUNDAMENTALS SUPPORT BROAD PRICE GAINS IN MAY CCRSI RELEASE JULY 2014 (With data through MAY 2014) STRONG MARKET FUNDAMENTALS SUPPORT BROAD PRICE GAINS IN MAY VALUE-WEIGHTED U.S. COMPOSITE PRICE INDEX APPROACHES PRERECESSION PEAK LEVELS This month's

More information

Presented By: Doug Herzbrun Managing Director January 26, 2000

Presented By: Doug Herzbrun Managing Director January 26, 2000 NORTHWEST CONSTRUCTION CONSUMER COUNCIL Presented By: Doug Herzbrun Managing Director January 26, 2000 U.S. Real Estate Capital Markets Overview INVESTABLE UNIVERSE $1.1 TRILLION 3 INVESTABLE UNIVERSE

More information

Texas Economic Outlook: Tapping on the Brakes

Texas Economic Outlook: Tapping on the Brakes National Economy Picking Up After Q1 Pause Texas Economic Outlook: Tapping on the Brakes Keith Phillips Assistant Vice President and Senior Economist Consumer spending picked up in 1 as housing prices

More information

Mortgage Loan Fraud Update

Mortgage Loan Fraud Update Financial Crimes Enforcement Network Mortgage Loan Fraud Update Suspicious Activity Report Filings In 3rd Quarter 2011 March 2012 i Table of Contents Introduction 1 Overall Filings 2 Subject Locations

More information

Office. Office. IRR Viewpoint 2015

Office. Office. IRR Viewpoint 2015 IRR Viewpoint 05 Above: Designed in 95 in the Art Deco style by architect Timothy Pflueger as the Pacific Telephone and Telegraph Building, 40 New Montgomery Street, San Francisco, CA has been the subject

More information

HIGH AND WIDE: INCOME INEQUALITY GAP IN THE DISTRICT ONE OF BIGGEST IN THE U.S. By Wes Rivers

HIGH AND WIDE: INCOME INEQUALITY GAP IN THE DISTRICT ONE OF BIGGEST IN THE U.S. By Wes Rivers An Affiliate of the Center on Budget and Policy Priorities 820 First Street NE, Suite 510 Washington, DC 20002 (202) 408-1080 Fax (202) 325-8839 www.dcfpi.org March 13, 2014 HIGH AND WIDE: INCOME INEQUALITY

More information

American Association of Individual Investors, Silicon Valley Chapter

American Association of Individual Investors, Silicon Valley Chapter The Current Status and Outlook for the Economies, Housing, and Mortgage Markets of Selected States and MSAs Specially Prepared for: American Association of Individual Investors, Silicon Valley Chapter

More information

The Dog Ate My Home. By: Anirban Basu Sage Policy Group, Inc. On Behalf of MCAA. May 3, 2012

The Dog Ate My Home. By: Anirban Basu Sage Policy Group, Inc. On Behalf of MCAA. May 3, 2012 The Dog Ate My Home On Behalf of MCAA By: Anirban Basu Sage Policy Group, Inc. May 3, 2012 Penny wise, Euro foolish Annual % Change Historic and Projected World Output Growth 2004 through 2013* 6.0% 5.0%

More information

White paper. Trended Solutions. Fueling profitable growth

White paper. Trended Solutions. Fueling profitable growth White paper Trended Solutions SM Fueling profitable growth Executive summary The economic crisis revealed that the traditional approach to portfolio management is flawed. The postmodel adjustment method

More information

Structured Finance. U.S. RMBS Sustainable Home Price Report. First-Quarter 2017 Update Special Report RMBS / U.S.A.

Structured Finance. U.S. RMBS Sustainable Home Price Report. First-Quarter 2017 Update Special Report RMBS / U.S.A. U.S. RMBS Sustainable Home Price Report First-Quarter 2017 Update Special Report RMBS / U.S.A. U.S. Prices Grow at a Sustainable Pace: National inflation-adjusted home prices continue to grow at a rate

More information

PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION

PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION PUBLIC DISCLOSURE May 31, 2011 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION RSSD No. 2736291 9600 West Bryn Mawr Rosemont, Illinois 60018 Federal Reserve Bank of New York 33 Liberty Street New York,

More information

Addendum to: The Community Reinvestment Act: A Welcome Anomaly in the Foreclosure Crisis

Addendum to: The Community Reinvestment Act: A Welcome Anomaly in the Foreclosure Crisis Addendum to: The Community Reinvestment Act: A Welcome Anomaly in the Foreclosure Crisis Relevant Figures Recalculated to Include CRA Bank Affiliate Lending January 14, 2008 Authored by: WARREN W. TRAIGER

More information

Data Brief. Trends in Employer-Sponsored Health Insurance Premiums and Employee Contributions in Major Metropolitan Areas,

Data Brief. Trends in Employer-Sponsored Health Insurance Premiums and Employee Contributions in Major Metropolitan Areas, December 2012 Data Brief Trends in Employer-Sponsored Health Insurance Premiums and Employee Contributions in Major Metropolitan Areas, 2003 2011 The mission of The Commonwealth Fund is to promote a high

More information

Texas Economic Update

Texas Economic Update January 21 Sergey Kasyanenko, Edilberto L. Segura Executive Summary Economic data continues to suggest a bottoming out of the current recession in. Indeed, manufacturing in the Houston area is starting

More information

The Consequences of Mortgage Credit Expansion. What is the Nature of the Mortgage Default Crisis?

The Consequences of Mortgage Credit Expansion. What is the Nature of the Mortgage Default Crisis? The Consequences of Mortgage Credit Expansion Atif Mian Amir Sufi University Chicago GSB October 2008 What is the Nature of the Mortgage Default Crisis? 1 Mortgage Defaults, 2005 to 2007 Prime versus Subprime

More information

ERRATA. To: Recipients of MG-388-RC, Estimating Terrorism Risk, RAND Corporation Publications Department. Date: December 2005

ERRATA. To: Recipients of MG-388-RC, Estimating Terrorism Risk, RAND Corporation Publications Department. Date: December 2005 ERRATA To: Recipients of MG-388-RC, Estimating Terrorism Risk, 25 From: RAND Corporation Publications Department Date: December 25 Re: Corrected pages (pp. 23 24, Table 4.1,, Density, Density- Weighted,

More information

Consumer Perspective: Industry Insights and Lending Dynamics. Matt Fabian Director, Research & Industry Analysis

Consumer Perspective: Industry Insights and Lending Dynamics. Matt Fabian Director, Research & Industry Analysis Consumer Perspective: Industry Insights and Lending Dynamics Matt Fabian Director, Research & Industry Analysis Agenda 1 Context A summary of economic trends 2 An overall perspective on the Canadian consumer

More information

Texas Economic Update

Texas Economic Update Sergey Kasyanenko, Edilberto L. Segura The U.S. economy is starting to recover, although unemployment will remain high for some time. Labor market flexibility means will recoup lost jobs faster. Healthier

More information

Making Home Affordable Program Performance Report Through April 2013

Making Home Affordable Program Performance Report Through April 2013 Making Home Affordable Program Report Through April 203 Report Highlights Over.6 Million Homeowner Assistance Actions Taken through Making Home Affordable Nearly.2 million homeowners have received a permanent

More information

Local Consumer Commerce

Local Consumer Commerce RELEASE DATE APR 2017 Local Consumer Commerce January 2017 Click here to download the data DATA THROUGH JAN 2017-0.7 % Highlights across 15 cities Local Consumer Commerce fell 0.7 percent year-over-year

More information

General Information Statement

General Information Statement General Information Statement The Static Pool Information (SPI) contains mortgage loan data for mortgage loans acquired by Freddie Mac that are representative of the types of mortgage loans that are included

More information

FIRST QUARTER 2018 INVESTOR PRESENTATION

FIRST QUARTER 2018 INVESTOR PRESENTATION 1 FIRST QUARTER 2018 INVESTOR PRESENTATION 2 LIFE STORAGE AT A GLANCE Over 700 stores in 28 states More than 390,000 customers 91.1% same store quarterly occupancy 30+ years in self-storage business 145

More information

The Dog Ate My Home. By: Anirban Basu Sage Policy Group, Inc. January 11, 2012

The Dog Ate My Home. By: Anirban Basu Sage Policy Group, Inc. January 11, 2012 The Dog Ate My Home By: Anirban Basu Sage Policy Group, Inc. January 11, 2012 Penny wise, Euro foolish Top 12 Stock Exchanges 2008 Growth Rank Exchange Index 2008 % Change 3 London SE FTSE 100-31.3% 1

More information

TRENDS IN DELINQUENCIES AND FORECLOSURES IN ARIZONA

TRENDS IN DELINQUENCIES AND FORECLOSURES IN ARIZONA TRENDS IN DELINQUENCIES AND FORECLOSURES IN ARIZONA January 2011 Community Development Research Federal Reserve Bank of San Francisco National Trends Even though NBER officially announced the recession

More information

LendIt Michele Raneri April 2016

LendIt Michele Raneri April 2016 LendIt 2016 Michele Raneri April 2016 Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein

More information

Trended Credit Data Attributes in VantageScore 4.0

Trended Credit Data Attributes in VantageScore 4.0 SM OCTOBER 2017 Trended Credit Data Attributes in VantageScore 4.0 Contents What is Trended Credit Data? 1 Examples of Consumer Trended Credit Data Assessments 2 Why Use Trended Credit data? 3 Trended

More information

HOUSEHOLD DEBT AND CREDIT

HOUSEHOLD DEBT AND CREDIT QUARTERLY REPORT ON HOUSEHOLD DEBT AND CREDIT November 212 FEDERAL RESERVE BANK OF NEW YORK RESEARCH AND STATISTICS GROUP MICROECONOMIC STUDIES Household Debt and Credit Developments in 212 Q3 1 Aggregate

More information

Who are the credit invisibles?

Who are the credit invisibles? December 2016 Who are the credit invisibles? How to help people with limited credit histories Table of contents Table of contents... 1 Who are the credit invisibles?... 2 Where do the credit invisible

More information

COMMERCIAL REAL ESTATE PRICE RECOVERY ACCELERATES IN MAY

COMMERCIAL REAL ESTATE PRICE RECOVERY ACCELERATES IN MAY CCRSI RELEASE JULY 2013 (With data through May 2013) COMMERCIAL REAL ESTATE PRICE RECOVERY ACCELERATES IN MAY STRONG ABSORPTION ACROSS ALLL SIZE AND QUALITY DIMENSIONS OF REAL ESTATEE SECTOR REFLECTED

More information

PMI MORTGAGE INSURANCE CO. an enhanced U.S. Market Risk Index SM.

PMI MORTGAGE INSURANCE CO. an enhanced U.S. Market Risk Index SM. ECONOMIC& REAL ESTATE SM TRENDS In This Issue SUMMER 2007 PMI MORTGAGE INSURANCE CO. New Market; New Model By Mark F. Milner, Chief Risk Officer, PMI Mortgage Insurance Co. SM Risk Overview for Selected

More information

We began 2006 in an unusual

We began 2006 in an unusual ECONOMIC& REAL ESTATE SM TRENDS In This Issue Local Economic Patterns and MSA Indicators Metropolitan Area Economic Indicators Geographic Distribution of House Price Risk MARK F. MILNER Chief Risk Officer

More information

Trends in Total and Out-of- Pocket Spending in Metro Areas:

Trends in Total and Out-of- Pocket Spending in Metro Areas: Trends in Total and Out-of- Pocket Spending in Metro Areas: 2012-2015 It is well-documented that health care prices vary widely by geography. 1 These variations can also lead to differences in health care

More information

Polling Question 1: Should the first-time home buyer tax credit of $8,000 be extended past November 30, 2009?

Polling Question 1: Should the first-time home buyer tax credit of $8,000 be extended past November 30, 2009? Polling Question 1: Should the first-time home buyer tax credit of $8, be extended past November 3,? 1. No 2. Yes, keep to $8, 3. Yes, increase to $15, and expand to all Polling Question 2: Which mortgage

More information

Universe Expansion: Is the Way You Score Customers State of the Art or State of Denial?

Universe Expansion: Is the Way You Score Customers State of the Art or State of Denial? SM MARCH 2014 Universe Expansion: Is the Way You Score Customers State of the Art or State of Denial? Contents In summary 1 Who is typically unscoreable by conventional models? 2 How do these currently

More information

Get educated A study in the student lending marketplace

Get educated A study in the student lending marketplace Get educated A study in the student lending marketplace Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names

More information

THE US ECONOMIC OUTLOOK

THE US ECONOMIC OUTLOOK THE US ECONOMIC OUTLOOK US economy has been growing strongly but will slow (perhaps sharply). Martin Neil Baily with Jacob Funk Kirkegaard and Katharina Plück Institute for International Economics September

More information

Subprime Bond Case Study Two Harbors Investment Corp. August 6, 2014

Subprime Bond Case Study Two Harbors Investment Corp. August 6, 2014 Two Harbors Investment Corp. Two Harbors Investment Corp. is proud to present:. The company believes periodic webinars will provide an opportunity to share more in-depth insights on various topics which

More information

Universe Expansion: Is the Way You Score Customers State of the Art or State of Denial?

Universe Expansion: Is the Way You Score Customers State of the Art or State of Denial? SM MAY 2015 Is the Way You Score Customers State of the Art or State of Denial? Contents In summary 1 Who is typically unscoreable by conventional models? 2 How do these currently unscored consumers score

More information

COMPOSITE PRICE INDICES FOR COMMERCIAL REAL ESTATE SOARED IN 2015

COMPOSITE PRICE INDICES FOR COMMERCIAL REAL ESTATE SOARED IN 2015 CCRSI RELEASE JANUARY 216 (With data through December 215) COMPOSITE PRICE INDICES FOR COMMERCIAL REAL ESTATE SOARED IN 215 DOUBLE-DIGIT PRICE GROWTH ACROSS ALL REGIONAL AND PROPERTY-TYPE INDICES IN 215

More information

From a Micro Market Metric Perspective

From a Micro Market Metric Perspective And Current State of HousingandMortgage Markets: From a Micro Market Metric Perspective By Norm Miller Ph.D. Burnham Moores Center for Real Estate, University of San Diego and Michael Sklarz Ph.D. Co Founders

More information

Nationwide s Health of Housing Markets (HoHM) Report

Nationwide s Health of Housing Markets (HoHM) Report Nationwide s Health of Housing Markets (HoHM) Report Nationwide Economics 2016 Q4 Data as of 2016 Q3 HoHM Report Executive Summary: The national LIHHM* suggests that the overall U.S. housing market continues

More information

Melinda Zabritski, Director of Automotive Credit

Melinda Zabritski, Director of Automotive Credit State of the Automotive Finance Market Third Quarter 2010 Melinda Zabritski, Director of Automotive Credit 2010 Experian Information Solutions, Inc. All rights reserved. Experian and the marks used herein

More information

Gorfine, Schiller, & Gardyn, P.A. Real Deal Seminar

Gorfine, Schiller, & Gardyn, P.A. Real Deal Seminar Gorfine, Schiller, & Gardyn, P.A. Real Deal Seminar The U.S. and Washington Economies: Current Performance and Near Term Outlook Stephen S. Fuller, PhD Dwight Schar Faculty Chair and University Professor

More information

Has there been an impact of the affordability crunch on the housing market?

Has there been an impact of the affordability crunch on the housing market? #vision2016 Has there been an impact of the affordability crunch on the housing market? Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions,

More information

Local Consumer Commerce

Local Consumer Commerce RELEASE DATE NOV 2017 Local Consumer Commerce July 2017 Click here to download the data DATA THROUGH JUL 2017-1.4 % Highlights across all 15 metro areas Local Consumer Commerce declined by 1.4 percent

More information

HOUSEHOLD DEBT AND CREDIT

HOUSEHOLD DEBT AND CREDIT QUARTERLY REPORT ON HOUSEHOLD DEBT AND CREDIT November 21 FEDERAL RESERVE BANK OF NEW YORK RESEARCH AND STATISTICS MICROECONOMIC AND REGIONAL STUDIES Household Debt and Credit Developments in 21Q3 1 Aggregate

More information

Nationwide s Health of Housing Markets (HoHM) Report

Nationwide s Health of Housing Markets (HoHM) Report Nationwide s Health of Housing Markets (HoHM) Report Nationwide Economics 2016 Q2 Data as of 2016 Q1 HoHM Report Executive Summary: The national LIHHM* remains above the break-even level of 100 and suggests

More information

FACTS TRENDS. Long Island Mortgage Distress: Analysis at the Neighborhood Level

FACTS TRENDS. Long Island Mortgage Distress: Analysis at the Neighborhood Level & Vol. 3, No. 1 May 2010 www.newyorkfed.org/regional FACTS TRENDS FEDERAL RESERVE BANK OF NEW YORK Long Island counties contain some of the country s highest concentrations of distressed nonprime mortgages.

More information

Brown Sugar: Deriving Satisfaction through Data Analysis

Brown Sugar: Deriving Satisfaction through Data Analysis Brown Sugar: Deriving Satisfaction through Data Analysis By: Anirban Basu Sage Policy Group, Inc. December 20 th, 2018 On Behalf of The Mid-Atlantic CIO Forum Disclaimer: Any resemblance between the presentation

More information

MEETING OF THE WQA ADMINISTRATIVE/FINANCE COMMITTEE

MEETING OF THE WQA ADMINISTRATIVE/FINANCE COMMITTEE MEETING OF THE WQA ADMINISTRATIVE/FINANCE COMMITTEE TO BE HELD ON TUESDAY, MARCH 12, 2013 AT 12:00 P.M. AT 1720 W. CAMERON AVE., SUITE 100, WEST COVINA, CA 91790 AGENDA WQA Committee Members: Watermaster

More information

Assessing Changing Employment Trends Driving Commercial Real Estate Development

Assessing Changing Employment Trends Driving Commercial Real Estate Development Assessing Changing Employment Trends Driving Commercial Real Estate Development September 2009 G. Donald Jud, Professor Emeritus Department of Accounting and Finance Joseph M. Bryan School of Business

More information

ehealth Inventory Report of Major Medical Health Plans Available Off of Government Exchanges

ehealth Inventory Report of Major Medical Health Plans Available Off of Government Exchanges ehealth Inventory Report of Major Medical Health Available Off of Government Exchanges February 2014 Introduction Beginning January 1, 2014, all new major medical health insurance plans were required to

More information

Office of the Chief Economist National Credit Union Administration. Economic Overview. California State Examiner School.

Office of the Chief Economist National Credit Union Administration. Economic Overview. California State Examiner School. Office of the Chief Economist National Credit Union Administration California State Examiner School May 30, 2017 Credit Union Performance Trends Recent Data About Credit Union Performance in California,

More information

HOUSING FINANCE POLICY CENTER HOUSING FINANCE AT A GLANCE A MONTHLY CHARTBOOK

HOUSING FINANCE POLICY CENTER HOUSING FINANCE AT A GLANCE A MONTHLY CHARTBOOK HOUSING FINANCE POLICY CENTER HOUSING FINANCE AT A GLANCE A MONTHLY CHARTBOOK March 2018 1 ABOUT THE CHARTBOOK The Housing Finance Policy Center s (HFPC) mission is to produce analyses and ideas that promote

More information

Managing Your Money: "Housing and Public Policy the Bubble, Present, and Future

Managing Your Money: Housing and Public Policy the Bubble, Present, and Future Managing Your Money: "Housing and Public Policy the Bubble, Present, and Future PLATO (Participatory Learning and Teaching Organization) J. Michael Collins UW Madison Center for Financial Security Overview

More information

Regional Snapshot: The Cost of Living in Metro Atlanta

Regional Snapshot: The Cost of Living in Metro Atlanta Regional Snapshot: The Cost of Living in Metro Atlanta Photo by rawpixel.com on Unsplash Atlanta Regional Commission, February 2018 For more information, contact: cdegiulio@atlantaregional.org In Summary

More information

CCRSI RELEASE JANUARY 2014 (With data through NOVEMBER 2013)

CCRSI RELEASE JANUARY 2014 (With data through NOVEMBER 2013) CCRSI RELEASE JANUARY 2014 (With data through NOVEMBER 2013) COMMERCIAL REAL ESTATE PRICES POST STEADY GAINS IN NOVEMBER STRONG ABSORPTION ACROSS PROPERTY TYPES SUPPORT BROAD GAINS IN PRICING This month's

More information

simplifying real estate local expertise. national reach. world class.

simplifying real estate local expertise. national reach. world class. simplifying real estate local expertise. national reach. world class. Lee & Associates Overview 100% increase in transaction volume over 5 years $7.9 billion transaction volume 2013 778 agents and growing

More information

COMMERCIAL PRICING SURGE

COMMERCIAL PRICING SURGE CCRSI RELEASE MARCH 2013 (With data through JANUARY 2013) COMMERCIAL REAL ESTATE PRICING LEVELS OFF FOLLOWING YEAR-END SURGE IN JANUARY INCREASING LIQUIDITY AND DECLINING DISTRESSED IMPROVING INVESTOR

More information

The Economic Impact of Repealing or Limiting Section 1031 Like-Kind Exchanges in Real Estate. David C. Ling and Milena Petrova July 2015

The Economic Impact of Repealing or Limiting Section 1031 Like-Kind Exchanges in Real Estate. David C. Ling and Milena Petrova July 2015 The Economic Impact of Repealing or Limiting Section 1031 Like-Kind Exchanges in Real Estate David C. Ling and Milena Petrova July 2015 1 1. Overview of Study Results 2. Evidence on Use of Real Estate

More information

SEPTEMBER 2017 EMPLOYMENT HOUSING REAL ESTATE TRANSIT & TOURISM

SEPTEMBER 2017 EMPLOYMENT HOUSING REAL ESTATE TRANSIT & TOURISM EMPLOYMENT FINANCE HOUSING COMMERCIAL REAL ESTATE TRANSIT & TOURISM HIGHLIGHTS The private sector experienced job losses after three record-setting months of growth Economic expansion accelerated to the

More information

Local Consumer Commerce

Local Consumer Commerce RELEASE DATE SEPT 2016 Local Consumer Commerce JUNE 2016 LOCAL CONSUMER COMMERCE JUNE 2016 Click here to download the data DATA THROUGH JUNE 2016 0.1 % Growth across all 15 cities Local consumer commerce

More information

U.S. Investment Outlook

U.S. Investment Outlook U.S. Investment Outlook Quarterly Investor Research update Q2 2015 U.S. Investment overview 37% 21% 15% 15% U.S. cities dominating global investment activity Top 20 Cities for Transactional Volumes H1

More information

HOUSEHOLD DEBT AND CREDIT

HOUSEHOLD DEBT AND CREDIT QUARTERLY REPORT ON HOUSEHOLD DEBT AND CREDIT FEDERAL RESERVE BANK OF NEW YORK RESEARCH AND STATISTICS GROUP MICROECONOMIC STUDIES Household Debt and Credit Developments in 212 Q4 1 Aggregate consumer

More information

Black Knight Mortgage Monitor

Black Knight Mortgage Monitor Black Knight Mortgage Monitor Mortgage Market Performance Observations Data as of April, 2014 Month-end Black Knight First Look April 2014 2 Focus Points Prepayment activity and originations ARM loans

More information

Quarterly U.S. Consumer Credit Trends DATA AS OF DECEMBER 2017

Quarterly U.S. Consumer Credit Trends DATA AS OF DECEMBER 2017 Quarterly U.S. Consumer Credit Trends DATA AS OF DECEMBER 2017 March 2, 2018 Quarterly U.S. Consumer Credit Trends Data as of December 2017 Published February 10, 2018 Visit us at www.equifax.com/business/credit-trends

More information