Figure O1. Average origination amounts
This figure shows the average dollar amount of newly originated loans for selected consumers.
Notes: The denominator (hover over a point for the n value) includes only consumers who originated loans of the selected type(s). Originations are often reported to the credit bureaus several months after their date of origination. We count all originations that are reported within 12 months of their origination date. For that reason, data from the last 4 quarters are projected and not final. See the Technical Appendix for how we project them. The origination amounts for revolving credit, such as credit cards and home equity lines of credit, are the credit limit. “Originations” for collections means their first appearance on a credit report, with the balance due as the origination amount. We do not count originations with a missing open date, or accounts that appear to be duplicate originations (same consumer identifier, open date, loan type, origination balance, and ECOA code).
Figure O2. Total origination amounts
This figure shows the aggregate dollar volume of newly originated loans for selected consumers.
Notes: The denominator (hover over a point for the n value) includes only consumers who originated loans of the selected type(s). Originations are often reported to the credit bureaus several months after their date of origination. We count all originations that are reported within 12 months of their origination date. For that reason, data from the last 4 quarters are projected and not final. See the Technical Appendix for how we project them. The origination amounts for revolving credit, such as credit cards and home equity lines of credit, are the credit limit. “Originations” for collections means their first appearance on a credit report, with the balance due as the origination amount. We do not count originations with a missing open date, or accounts that appear to be duplicate originations (same consumer identifier, open date, loan type, origination balance, and ECOA code).