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
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 |