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Housing Credit Availability Index (HCAI)

These are the underlying data to the Urban Institute’s Housing Finance Policy Center’s Housing Credit Availability Index. HCAI feature page figures. The HCAI measures the percentage of owner-occupied home purchase loans that are likely to default—that is, go unpaid for more than 90 days past their due date. A lower HCAI indicates that lenders are unwilling to tolerate defaults and are imposing tighter lending standards, making it harder to get a loan. A higher HCAI indicates that lenders are willing to tolerate defaults and are taking more risks, making it easier to get a loan.

These fields are compatible with DCAT, an RDF vocabulary designed to facilitate interoperability between data catalogs published on the Web.
FieldValue
Modified
2023-08-21
Release Date
2022-10-10
Identifier
3f7edd96-a277-40eb-9ada-0c2d9955516a
License
Open Data Commons Attribution License
Contact Name
Urban Institute
Contact Email
[email protected]
Public Access Level
Public
These fields are specific to Urban Institute.
FieldValue
Urban Publications
Housing Credit Availability Index
Citation Requirements

Urban Institute. 2022. Housing Credit Availability Index (HCAI). Accessible from https://datacatalog.urban.org/dataset/housing-credit-availability-index-.... Data originally sourced from [eMBS, BlackKnight, HMDA, IMF, and Urban Institute] developed at the Urban Institute, and made available under the ODC-BY 1.0 Attribution License.