Consumer Credit Trends

Explore recent developments in consumer credit markets

The data files in this repo appear on the live Consumer Credit Trends site here powering graphs for each featured credit market, as shown in this screenshot.

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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