Significantly, most subprime loans involve low "teaser" rates that last for only two years.
Nudging buyers toward subprime loans, or keeping mum about the risks, means more sales go through.
According to analysis by Barclays Capital, the "freezer-teaser" plan applies to just 240, 000 subprime loans.
The toxic subprime loans were made primarily by nonbanks outside the bank regulatory framework.
However delinquencies remained at historically low standards, even as the percentage of subprime loans increased.
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We know that 52 percent of African-American borrowers and 40 percent of Hispanics receive subprime loans.
Defaults in the 2006 vintage of subprime loans have been much higher than expected.
More than a third of all adjustable subprime loans are in California, Nevada, Arizona and Florida.
Guttentag suggests prohibiting lenders from charging many of the fees that have made subprime loans so profitable.
And like many of these subprime loans, after a couple of years, it turned into a monster.
You know, these are not people who got subprime loans or who missed a lot of payments.
Nearly one in five subprime loans was either delinquent by more than a month or already in foreclosure.
Likewise, rates on some subprime loans at the heart of the ongoing mortgage meltdown will come down slightly.
Historically, subprime loans have been just 10% to 12% of the overall market.
He says the bulk of these subprime loans that the company was selling adjusted sharply upwards after two years.
Many homeowners are seeing interest rates on their subprime loans jump up to 10 percent or even 14 percent.
Today, those clouds loom because of the subprime loans and the credit crisis.
It prevents lenders from steering unwitting borrowers into subprime loans with incentive payments.
If the housing market remains weak, we may have only seen the first wave of foreclosures on subprime loans.
But the SEC's lawsuit shows that Fannie degraded its underwriting standards to increase its market share in subprime loans.
What they also didn't tell him is that for most subprime loans there's also something called an early payment penalty.
Many CDOs are backed by subprime loans and other toxic waste and are divided for investors into senior and junior tranches.
Who would have guessed that the combination of subprime loans and a building boom would have become attractive again so soon?
The collateral behind the mortgage portfolio, which includes no subprime loans, has "continued to perform well" since October, the firm said.
Also, if a bank turned stinky subprime loans into AAA-rated bonds, again it could massage down the capital it needed to hold.
Mortgage backed securities comprised of toxic subprime loans had been spread throughout the world financial community by Fannie Mae and Freddie Mac.
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Freddie Mac recently announced it would no longer buy some subprime loans.
We have half the industry average of arrears and no subprime loans.
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The United States' government as a matter of policy pressured banks to make subprime loans or lose their ability to expand and grow.
As in the Rust Belt, delinquencies on subprime loans are increasing, the report says, like the 9% increase in Sacramento from February 2005 to 2007.
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