Data point: How mortgages change before origination
This Data Point provides new information about the types of changes that occur during the mortgage origination process.
Research and reports
We study how consumers interact with financial products and services to help identify potential problems in the marketplace and achieve better outcomes for all. Review our reports and analyses to help inform your decisions, policies, and practices. And, see reports that we periodically prepare about the CFPB.
Data point: Mortgage trends
This Bureau Data Point article describes 2019 mortgage market activity and trends using data reported under the Home Mortgage Disclosure Act (HMDA).
Perceived Financial Preparedness, Saving Habits, and Financial Security
The Office of Research released a research brief that explores consumers’ perceived financial preparedness, saving habits, and financial security.
Special issue brief: The early effects of the COVID-19 pandemic on consumer credit
This second COVID-19 Special Issue Brief describes trends in delinquency rates, payment assistance, credit access, and account balance measures with a focus on the period since the start of the COVID-19 pandemic.
An updated review of the new and revised data points in HMDA: Further observations using the 2019 HMDA data
The goal of this article is to help the public become more familiar with the new and revised data points in the 2019 HMDA data and to provide some initial observations about the nation’s mortgage market in 2019 using those new and revised data points. As in last year’s article, the focus of this article is on cross-sectional analyses, i.e. using the data contained in one year’s loan application registrar (LAR) to explore various patterns and relationships between different data fields to provide some initial observations.
Insights from the Making Ends Meet Survey
This report summarizes the initial results from the Making Ends Meet survey, a nationally representative survey of adults with a credit record developed by the CFPB’s Office of Research.
Data point: 2019 mortgage market activity and trends
2019 HMDA Mortgage Market Activity and Trends summarizes the historical data points in the 2019 HMDA data, as well as recent trends in mortgage and housing markets.
The early effects of the COVID-19 pandemic on credit applications
This report uses the Bureau’s Consumer Credit Panel to study the early effects of the COVID-19 pandemic on credit applications overall, by credit score group, and across the states.
Data point: Small business lending and the Great Recession
This Data Point article tracks the evolution of small business lending before, during and following the Great Recession.
Data point: Borrower experiences on income-driven repayment
Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.
Data point: Servicer size in the mortgage market
This fourteenth data point compares borrower characteristics at mortgage servicers of different sizes and explores the role servicers of each size play in the mortgage market.
Data point: 2018 mortgage market activity and trends
This data point article summarizes the historical data points 2018 Home Mortgage Disclosure Act (HMDA) data, as well as recent trends in mortgage and housing markets.
Introducing New and Revised Data Points in HMDA
This data point article introduces the new and revised data points in the 2018 Home Mortgage Disclosure Act (HMDA) data.
Data point: Credit card revolvers
This eleventh data point examines how often credit card balances are revolved on an account, or borrowed, how long balances are revolved, and how regularly they are paid down.
Data point: The geography of credit invisibility
Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.
Data point: Final student loan payments and broader household borrowing
Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.
Data point: 2017 mortgage market activity and trends
Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.
CFPB data point: Student loan repayment
Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.
CFPB data point: Frequent overdrafters
Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.
CFPB data point: Becoming credit visible
Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.
Data point: Credit invisibles
Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.
Data point: Checking account overdraft
Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.
Data point: Medical debt and credit scores
Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.
CFPB data point: Payday lending
Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.