Skip to content
Dashboard figures are best viewed on larger, non-mobile screens.

Figure M1. Delinquency trends

The 30-day delinquency rate is an early indicator of financial distress. This map displays county-level changes in delinquency rates for the population you choose over the selected time range.

Notes: The numerator of the delinquency rate is the number of consumers with one or more loans (auto, credit card, home equity, mortgage, “other,” and student debt) that are open but delinquent by 30 days or more. The denominator is the number of consumers with one or more loans (auto, credit card, home equity, mortgage, “other,” and student debt) that are in an open status. Completed foreclosures, repossessions, collections, charge-offs, and other closed loans are not included in either numerator or denominator.

Figure M2. Average origination amount trends

This map shows county-level changes in the average dollar amount of newly originated loans for the population you choose over the selected time range.

Notes: Originations are often reported to the credit bureaus several months after their date of origination. We count all originations that are reported within 12 months of their origination date. For that reason, data from the last 4 quarters are projected and not final. See the Technical Appendix for how we project them. The origination amounts for revolving credit, such as credit cards and home equity lines of credit, are the credit limit. “Originations” for collections means their first appearance on a credit report, with the balance due as the origination amount. We do not count originations with a missing open date, or accounts that appear to be duplicate originations (same consumer identifier, open date, loan type, origination balance, and ECOA code). All dollar amounts are adjusted for inflation to current dollar equivalents.

Figure M3. Total origination amount trends

This map shows county-level changes in the aggregate dollar volume of newly originated loans for the population you choose over the selected time range.

Notes: Originations are often reported to the credit bureaus several months after their date of origination. We count all originations that are reported within 12 months of their origination date. For that reason, data from the last 4 quarters are projected and not final. See the Technical Appendix for how we project them. The origination amounts for revolving credit, such as credit cards and home equity lines of credit, are the credit limit. “Originations” for collections means their first appearance on a credit report, with the balance due as the origination amount. We do not count originations with a missing open date, or accounts that appear to be duplicate originations (same consumer identifier, open date, loan type, origination balance, and ECOA code). All dollar amounts are adjusted for inflation to current dollar equivalents.

Figure M4. Credit score trends

Credit scores are designed to predict potential credit default, but are often used as an indicator of overall financial health. This map shows county-level changes in credit scores for the population you choose over the selected time range.

Notes: There are many different types of credit scores. We use a generic VantageScore® (version 4.0) provided by the credit bureau. The range is 300-850 (the same as FICO®), with five scoring buckets roughly defined as follows: deep subprime (300-580), subprime (580-619), near-prime (620-659), prime (660-719), and super-prime (720-850). We includes only consumers with an open balance greater than $0.

Stay Informed