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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 of a commercially available credit score:

  • 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 number and 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)

Volume of originations for deep subprime credit scores (below 580)

Source: BCFP Consumer Credit Panel
Date published: October 2018
Download: CSV file
Note: Data from the last six months are not final. The most recent data available in this visualization are for July 2018.

Subprime (credit scores 580 - 619)

Volume of originations for subprime credit scores (580 - 619)

Source: BCFP Consumer Credit Panel
Date published: October 2018
Download: CSV file
Note: Data from the last six months are not final. The most recent data available in this visualization are for July 2018.

Near prime (credit scores 620 - 659)

Volume of originations for near prime credit scores (620 - 659)

Source: BCFP Consumer Credit Panel
Date published: October 2018
Download: CSV file
Note: Data from the last six months are not final. The most recent data available in this visualization are for July 2018.

Prime (credit scores 660 - 719)

Volume of originations for prime credit scores (660 - 719)

Source: BCFP Consumer Credit Panel
Date published: October 2018
Download: CSV file
Note: Data from the last six months are not final. The most recent data available in this visualization are for July 2018.

Superprime (credit scores 720 and above)

Volume of originations for super-prime credit scores (720 and above)

Source: BCFP Consumer Credit Panel
Date published: October 2018
Download: CSV file
Note: Data from the last six months are not final. The most recent data available in this visualization are for July 2018.

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)

Year-over-year percentage change for deep subprime credit scores (below 580)

Source: BCFP Consumer Credit Panel
Date published: October 2018
Download: CSV file
Note: Data from the last six months are not final. The most recent data available in this visualization are for July 2018.

Subprime (credit scores 580 - 619)

Year-over-year percentage change for subprime credit scores (580 - 619)

Source: BCFP Consumer Credit Panel
Date published: October 2018
Download: CSV file
Note: Data from the last six months are not final. The most recent data available in this visualization are for July 2018.

Near prime (credit scores 620 - 659)

Year-over-year percentage change for near prime credit scores (620 - 659)

Source: BCFP Consumer Credit Panel
Date published: October 2018
Download: CSV file
Note: Data from the last six months are not final. The most recent data available in this visualization are for July 2018.

Prime (credit scores 660 - 719)

Year-over-year percentage change for prime credit scores (660 - 719)

Source: BCFP Consumer Credit Panel
Date published: October 2018
Download: CSV file
Note: Data from the last six months are not final. The most recent data available in this visualization are for July 2018.

Superprime (credit scores 720 and above)

Year-over-year percentage change for superprime credit scores (720 and above)

Source: BCFP Consumer Credit Panel
Date published: October 2018
Download: CSV file
Note: Data from the last six months are not final. The most recent data available in this visualization are for July 2018.