Commitments and Contingencies (Tables)

6 Months Ended

Jun. 30, 2013

Commitments and Contingencies

Summary of composition of mortgage loans originated, by loan type; credit score; and loan-to-value ratio

	SIX MONTHS
	ENDED JUNE 30,		TWELVE MONTHS ENDED DECEMBER 31,
	2013		2012		2011		2010		2009		2008
Prime	52.7	%	48.6	%	42.2	%	34.9	%	32.9	%	51.8	%
Government (FHA/VA/USDA)	47.3		51.4		57.8		65.1		67.1		48.2
Total	100.0	%	100.0	%	100.0	%	100.0	%	100.0	%	100.0	%
Average FICO credit score	730		731		726		723		717		711
Average combined loan-to-value ratio	90.6	%	90.1	%	90.3	%	90.8	%	91.4	%	90.1	%

Changes in mortgage loan loss reserves and related legal reserves

(in thousands)	2013			2012
Balance at January 1	$	10,484		$	10,141
Provision for losses	819			71
Settlements made	(586		)	(345		)
Balance at June 30	$	10,717		$	9,867

Changes in product liability reserves

(in thousands)	2013			2012
Balance at January 1	$	18,188		$	20,648
Warranties issued	2,864			1,283
Changes in liability for accruals related to pre-existing warranties	495			1,351
Settlements made	(2,909		)	(4,184		)
Balance at June 30	$	18,638		$	19,098

Changes in RHIC's insurance reserves

(in thousands)	2013			2012
Balance at January 1	$	14,813		$	18,209
Loss expenses paid	(1,180		)	(1,043		)
Balance at June 30	$	13,633		$	17,166