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    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.
    Dataset Info
    2. Modified 2024-07-08
    4. Release Date 2022-10-10
    6. Temporal Coverage
    8. License odc-by
    10. Granularity
    12. Contact Name Urban Institute
    14. Contact Email [email protected]
    16. Public Access Level public
    Urban Extended Info
    1. Modified 2024-07-08
    2. Release Date 2022-10-10
    3. Geographic Level
    4. Data Value
    5. Data Quality
    6. Urban Publications
    7. 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.