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Borrower risk profiles

A consumer’s credit score can be an important determinant of their access to credit. These interactive graphs show how lending activity has changed for borrowers with different credit score profiles.

We focus on five credit score levels:

  • Deep subprime (credit scores below 580)
  • Subprime (credit scores of 580-619)
  • Near-prime (credit scores of 620-659)
  • Prime (credit scores of 660-719)
  • Super-prime (credit scores of 720 or above)

This page includes interactive graphs and CSV files for:

FIGURE 2A:

Lending levels

Monitoring developments in overall activity helps us identify new developments in the markets we regulate. These interactive graphs show the number and aggregate dollar volume of new auto loans opened each month. Aggregated monthly originations are displayed along with a seasonally-adjusted series, which adjust for expected seasonal variation in lending activity.

Deep subprime (credit scores below 580)

Number and aggregate dollar volume of new auto loans opened each month for those with credit scores below 580

Source:
Date published: June 2018
Note: Data from the last six months are not final. The most recent data available in each visualization is for April 2018.

Subprime (credit scores of 580-619)

Number and aggregate dollar volume of new auto loans opened each month for those with credit scores of 580-619

Source:
Date published: June 2018
Note: Data from the last six months are not final. The most recent data available in each visualization is for April 2018.

Near-prime (credit scores of 620-659)

Number and aggregate dollar volume of new auto loans opened each month for those with credit scores of 620-659

Source:
Date published: June 2018
Note: Data from the last six months are not final. The most recent data available in each visualization is for April 2018.

Prime (credit scores of 660-719)

Number and aggregate dollar volume of new auto loans opened each month for those with credit scores of 660-719

Source:
Date published: June 2018
Note: Data from the last six months are not final. The most recent data available in each visualization is for April 2018.

Super-prime (credit scores of 720 or above)

Number and aggregate dollar volume of new auto loans opened each month for those with credit scores of 720 and above

Source:
Date published: June 2018
Note: Data from the last six months are not final. The most recent data available in each visualization is for April 2018.

FIGURE 2B:

Year-over-year changes

These interactive graphs show the percentage change in the number of new automobile loans originated in the month, compared to lending activity from one year ago. Positive changes indicate that lending activity is higher than it was last year and negative values indicate that lending has declined.

Deep subprime (credit scores below 580)

Year-over-year change in number of auto loans opened each month for those with credit scores below 580

Source:
Date published: June 2018
Note: Data from the last six months are not final. The most recent data available in each visualization is for April 2018.

Subprime (credit scores of 580-619)

Year-over-year change in number of auto loans opened each month for those with credit scores of 580-619

Source:
Date published: June 2018
Note: Data from the last six months are not final. The most recent data available in each visualization is for April 2018.

Near-prime (credit scores of 620-659)

Year-over-year change in number of auto loans opened each month for those with credit scores of 620-659

Source:
Date published: June 2018
Note: Data from the last six months are not final. The most recent data available in each visualization is for April 2018.

Prime (credit scores of 660-719)

Year-over-year change in number of auto loans opened each month for those with credit scores of 660-719

Source:
Date published: June 2018
Note: Data from the last 6 months are not final. The most recent data available in each visualization is for April 2018.

Super-prime (credit scores of 720 or above)

Year-over-year change in number of auto loans opened each month for those with credit scores of 720 and above

Source:
Date published: June 2018
Note: Data from the last six months are not final. The most recent data available in each visualization is for April 2018.