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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
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
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 scriptprocess_globals.py
- Configuration settings for data processingprocess_utils.py
- Reusable utility functions, e.g. number/date conversions and reading/writing data/csv/json files
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 |
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 |