Consumer Credit Trends

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This site displays graphs for several consumer credit markets:

Auto loans
Credit cards
Mortgages
Student loans

For each market, credit information includes:

Market summaries for volume, value, and geographic changes
Lending levels by certain demographic breakdowns
- Borrower risk profile (credit score)
- Neighborhood income level
- Borrower age
Inquiry activity
- Credit inquiries
- Credit tightness

What's in this repository

Data files

Data is organized into per-market folders. Provided data files include:

CSV files of the data for download
JSON files which are rendered on the live site using cfpb-chart-builder

Python files

The Python 2 based script processes raw data from our Office of Research into the output data files contained in this repo. These raw data files are internal-only and are anonymized summaries produced by the Consumer Credit Panel.

process_incoming_data.py - Overall processing script
process_globals.py - Configuration settings for data processing
process_utils.py - Reusable utility functions, e.g. number/date conversions and reading/writing data/csv/json files

Data schema

Markets by folder or filename suffix

Data is organized into per-market folders. The suffix of each file indicates the credit market.

Market	Folder	File Suffix
Auto loans	auto-loans	AUT
Credit card	credit-cards	CRC
Mortgages	mortgages	MTG
Student loans	student-loans	STU

Types of data by filename prefix

The prefix of each file indicates type of aggregate data. This table lists these prefixes alphabetically.

File Prefix	Description
crt_	Number of consumers who applied for credit each month and did not obtain additional credit Values are indexed to January 2009
inq_	Number of consumers with credit inquiries Values are indexed to January 2009
map_data_	Geographic map data containing year-over-year changes for each U.S. state
num_data_	Number of new loan originations
vol_data_	Loan volume in dollars
volume_data_Age_Group_	Loan volume in dollars, broken out by the borrower's age group demographics
volume_data_yoy_data_Income_Level_	Loan volume in dollars, broken out by the borrower's income level relative to their neighborhood's income level
volume_data_Score_Level_	Loan volume in dollars, broken out by the borrower's credit score group
yoy_data_all_	Year-over-year percentage change in new loan originations
yoy_data_Age_Group_	Year-over-year percentage change in new loan originations, broken out by the borrower's age group demographics
yoy_data_Income_Level_	Year-over-year percentage change in new loan originations, broken out by the borrower's income level relative to their neighborhood's income level
yoy_data_Score_Level_	Year-over-year percentage change in new loan originations, broken out by the borrower's credit score group

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