CFPB Mortgage Trends

MortgagesThis dashboard provides access to data about mortgages, which are closed-end loans used to purchase or refinance a primary residence, vacation home, or investment property. Junior liens and home equity lines of credit (HELOCs) are excluded.<br>Origination activityLending levels - The number and volume of mortgages originated each month.<br>Year-over-year changes - Year-over-year changes in the number and volume of mortgages originated by month.<br>Geographic changes - Geographic distribution of the year-over-year change in the volume of mortgages originated.<br><br>Inquiry activityInquiry Index - The number of consumers with mortgage inquiries (hard credit pulls) each month indexed to January 2010 levels.<br>Credit tightness index - The number of consumers with mortgage inquiries and no subsequent loan opening each month indexed to January 2010 levels.<br>Borrower risk profilesVolume of mortgages by credit scoreExploring the origination of mortgages to consumers at different credit score levels. Year-over-year changes by credit scoreDetailing the year-over-year changes in origination activity for mortgages by credit score.<br>Lending to low-to-moderate income neighborhoodsVolume of mortgages by neighborhood income levelExamining the origination of mortgages to consumers based on the income level of the neighborhood in which they reside. Year-over-year changes by neighborhood income levelDetailing the year-over-year changes in origination activity for mortgages by neighborhood income level.<br><br>Lending by borrower ageVolume of mortgages by age groupExploring how lending activity is changing for borrowers by age. Year-over-year changes by borrower ageDetailing the year-over-year changes in origination activity for mortgages by borrower age.<br><br>***<br>Microdata: Yes<br>Level of Analysis: Characteristic per month<br>Variables Present: No<br>File Layout: .csv<br>Codebook: No<br>Methods: Yes - pdf<br>Weights (with appropriate documentation): No<br>Publications: Yes - pdf<br>Aggregate Data: Yes - pdf