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. The credit score levels used in these graphs are based on FICO® Score 8.
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 overall activity helps us identify new developments in financial markets. These interactive graphs show the aggregate dollar volume of new student 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)
Source: CFPB Consumer Credit Information Panel
Date published: October 2024
Download:
CSV file
Note:
Data from the last six months are not final. Credit score is FICO® Score 8.
The most recent data available in this visualization are for March 2024.
Subprime (credit scores 580 - 619)
Source: CFPB Consumer Credit Information Panel
Date published: October 2024
Download:
CSV file
Note:
Data from the last six months are not final. Credit score is FICO® Score 8.
The most recent data available in this visualization are for March 2024.
Near prime (credit scores 620 - 659)
Source: CFPB Consumer Credit Information Panel
Date published: October 2024
Download:
CSV file
Note:
Data from the last six months are not final. Credit score is FICO® Score 8.
The most recent data available in this visualization are for March 2024.
Prime (credit scores 660 - 719)
Source: CFPB Consumer Credit Information Panel
Date published: October 2024
Download:
CSV file
Note:
Data from the last six months are not final. Credit score is FICO® Score 8.
The most recent data available in this visualization are for March 2024.
Superprime (credit scores 720 and above)
Source: CFPB Consumer Credit Information Panel
Date published: October 2024
Download:
CSV file
Note:
Data from the last six months are not final. Credit score is FICO® Score 8.
The most recent data available in this visualization are for March 2024.
FIGURE 2B:
Year-over-year changes
These interactive graphs show the percentage change in the number of new student 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)
Source: CFPB Consumer Credit Information Panel
Date published: October 2024
Download:
CSV file
Note:
Data from the last six months are not final. Credit score is FICO® Score 8.
The most recent data available in this visualization are for March 2024.
Subprime (credit scores 580 - 619)
Source: CFPB Consumer Credit Information Panel
Date published: October 2024
Download:
CSV file
Note:
Data from the last six months are not final. Credit score is FICO® Score 8.
The most recent data available in this visualization are for March 2024.
Near prime (credit scores 620 - 659)
Source: CFPB Consumer Credit Information Panel
Date published: October 2024
Download:
CSV file
Note:
Data from the last six months are not final. Credit score is FICO® Score 8.
The most recent data available in this visualization are for March 2024.
Prime (credit scores 660 - 719)
Source: CFPB Consumer Credit Information Panel
Date published: October 2024
Download:
CSV file
Note:
Data from the last six months are not final. Credit score is FICO® Score 8.
The most recent data available in this visualization are for March 2024.
Superprime (credit scores 720 and above)
Source: CFPB Consumer Credit Information Panel
Date published: October 2024
Download:
CSV file
Note:
Data from the last six months are not final. Credit score is FICO® Score 8.
The most recent data available in this visualization are for March 2024.