California Credit Dashboard

Latest Update: July 27, 2023


Existing credit balances

New loan originations

Financial distress

Access to credit

Maps *new  features*

Financial distress


Periodically, the California Policy Lab publishes Data Points highlighting trends in the data or diving deep on a specific issue.

About the California Credit Dashboard

California is the fifth largest economy in the world and has more people than the least populous 22 US states combined. What happens in California affects the world.

Yet to date there has been little information available about household financial balance sheets at the state level. The California Credit Dashboard seeks to fill that gap.

The Dashboard provides measures of financial health for California’s diverse population. What type of debts do they have? How many are delinquent? What is the current pace of originations? How are credit scores faring? Our data come from one of the three nationwide credit bureaus.

We break out data by subgroups so that users can compare different profiles. We currently provide breakdowns by loan types, regions, and age groups. In the future, we hope to provide more breakdowns.

Feedback? Please email


We would like to thank Experian for providing the data for this Dashboard, and special thanks to Cathy Kelmar and Myla Nubla, with whom it has been great to work. We are grateful to our funders, including Tipping Point Community, the Woven Foundation, the James Irvine Foundation, and the University of California Office of the President Multicampus Research Programs and Initiatives, M21PR3278 whose financial support made it possible to create the first version of the California Credit Dashboard. We are currently seeking funding to support the maintenance, updating, and improvement of the Dashboard. Please email if interested.



  • Added Q1 2023 data, new chart (monthly payments), and new map features (customizing date ranges and population filters).


  • Added Q4 2022 data, new charts (total originations, foreclosures, repossessions, credit-card utilization), launched first map (delinquencies), new dashboard features (inflation adjustments, filter by credit score buckets).
  • Used a 2% subsample, rather than 1%.
  • Implemented new method for eliminating tradeline duplicates where two tradelines have different trade keys but all other relevant attributes are the same. This reduced Ns and changed displayed values.


  • Launched Dashboard with five charts: average balances, total outstandings, average originations, 30-day delinquency rates, and average credit scores. Charts had filters by region, generation, and loan type, and a seasonal adjustment option.

(^ Top)

Stay Informed