Wells Fargo 2012 Annual Report Download - page 169
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The following table provides FICO scores for consumer PCI loans.
December 31, 2012 December 31, 2011
Real estate Real estate Real estate Real estate
1-4 family 1-4 family 1-4 family 1-4 family
first junior lien first junior lien
(in millions) mortgage mortgage Total mortgage mortgage Total
By FICO:
< 600 $ 13,163 144 13,307 17,169 210 17,379
600-639 6,673 68 6,741 7,489 83 7,572
640-679 6,602 73 6,675 6,646 89 6,735
680-719 3,635 39 3,674 3,698 47 3,745
720-759 1,757 11 1,768 1,875 14 1,889
760-799 874 6 880 903 6 909
800+ 202 1 203 215 2 217
No FICO available 156 3 159 284 14 298
Total consumer PCI loans (adjusted unpaid principal balance) $ 33,062 345 33,407 38,279 465 38,744
Total consumer PCI loans (carrying value) $ 26,839 152 26,991 29,746 206 29,952
The following table shows the distribution of consumer PCI
loans by LTV for real estate 1-4 family first mortgages and by
CLTV for real estate 1-4 family junior lien mortgages.
December 31, 2012
December 31, 2011
Real estate Real estate Real estate Real estate
1-4 family 1-4 family 1-4 family 1-4 family
first junior lien first junior lien
mortgage mortgage mortgage mortgage
(in millions) by LTV by CLTV Total by LTV by CLTV Total
By LTV/CLTV:
0-60% $ 1,374 21 1,395 1,243 25 1,268
60.01-80% 4,119 30 4,149 3,806 49 3,855
80.01-100% 9,576 61 9,637 9,341 63 9,404
100.01-120% (1) 8,084 93 8,177 9,471 79 9,550
> 120% (1) 9,889 138 10,027 14,318 246 14,564
No LTV/CLTV available 20 2 22 100 3 103
Total consumer PCI loans (adjusted unpaid principal balance) $ 33,062 345 33,407 38,279 465 38,744
Total consumer PCI loans (carrying value) $ 26,839 152 26,991 29,746 206 29,952
(1) Reflects total loan balances with LTV/CLTV amounts in excess of 100%. In the event of default, the loss content would generally be limited to only the amount in excess of
100% LTV/CLTV.
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