ZIP FHA Stress From Mortgage Performance: the Dataset
Mortgage performance is published by county, but FHA loans cluster by ZIP, and FHA borrowers default first. The ZIP FHA stress dataset derives a ZIP score from the county delinquency rate and the ZIP's FHA concentration, labelled as a derivation, so the delinquency reports can show a ZIP table beside the county series.
- ZIP FHA stress (CFPB mortgage performance, lagged release): 33,792 rows.
- 33,792 distinct zip entries for ZIP FHA stress (CFPB mortgage performance, lagged release); scope the United States.
- ZIP FHA stress (CFPB mortgage performance, lagged release) newest valid record: Mon Dec 01; status "fresh" for zip-fha-stress, within its 365-day freshness window.
- ZIP FHA stress (CFPB mortgage performance, lagged release) is sold inside 3 list packages: us-dq90-county, us-dq90-state, us-dq90-national.
zip-fha-stress: the ZIP FHA stress score figures as of Tue Oct 20; registry entry zip-fha-stress.
| ZIP FHA stress (CFPB mortgage performance, lagged release) | Registry value |
|---|---|
| Scope of the ZIP FHA stress score | the United States |
| Keyed by | zip |
| ZIP FHA stress (CFPB mortgage performance, lagged release) rows | 33,792 |
| Geographies | 33,792 |
| Status of the ZIP FHA stress score | fresh |
| Freshness window | 365 days |
| Newest the ZIP FHA stress score record | Mon Dec 01 |
Registry facts for ZIP FHA stress (CFPB mortgage performance, lagged release).
What is in the ZIP FHA stress score
One row per ZIP with the county rates it inherits, the FHA stress score, the ZIP's structural risk and distress activity composites, the opportunity index and phase, and a derivation field that states how the ZIP figure was produced.
How the ZIP FHA stress score is used
Investors use the ZIP table in the delinquency reports to pick the ZIPs inside a stressed county where FHA exposure is highest.
Freshness of the ZIP FHA stress score
Every six hours zip-fha-stress is re-checked (ZIP FHA stress (CFPB mortgage performance, lagged release)); lists on zip-fha-stress are withdrawn once zip-fha-stress rows are older than 365 days. For ZIP FHA stress (CFPB mortgage performance, lagged release): Monthly with the CFPB release, which lags several months.
Use the ZIP FHA stress score
The county and state delinquency reports are free and include the ZIP table; the national hotspots file covers every sampled county.
zip-fha-stress is checked in the registry before sale.
ZIP FHA Stress From Mortgage Performance: the Dataset: questions
Is the ZIP rate a measured delinquency?
No. It is derived from the county rate and FHA concentration, and the row says so in its derivation field.
How current is zip fha stress (cfpb mortgage performance, lagged release) right now?
ZIP FHA stress (CFPB mortgage performance, lagged release): newest valid record Mon Dec 01; zip-fha-stress is "fresh" against a 365-day threshold for ZIP FHA stress (CFPB mortgage performance, lagged release).
More on the ZIP FHA stress score
ZIP FHA Stress From Mortgage Performance: the Dataset (zip-fha-stress) is fed by registry entry zip-fha-stress and is not legal advice. Nothing in the ZIP FHA stress score is tax or investment advice; verify every zip-fha-stress record with the issuing office before acting.