Financial capability - Tools
The Home Mortgage Explorer is a tool that draws from publicly available Home Mortgage Disclosure Act (HMDA) data and enables users to explore trends in mortgage lending between 2010 and 2015 for the U.S. as a whole, states, and metropolitan and nonmetropolitan areas. Trends can be examined by loan purpose (e.g., home purchase vs. refinance) and loan type (e.g., conventional vs. Federal Housing Administration), and all measures are provided by applicant and neighborhood income.
Interested in knowing what credit conditions are like in your community and elsewhere? The New York Fed's Community Credit interactive maps highlight credit conditions in communities across the United States. The maps provide measures of credit inclusion and credit stress for the US., as well as for states and counties, from 2005 to 2014. Indicators include the percentage of quality borrowers and the percentage of residents who have access to some type of formal credit.
The Kansas City Fed provides financial forms, checklists and other resources to help consumers and small business owners prepare before and recover after disaster strikes. These resources were developed from a series of focus groups and meetings held in the tenth district.
The Boston Fed conducts a semi-annual survey of service providers' perceptions of the economic and financial conditions of lower-income communities and individuals in New England and the organizations that serve them. Read about the results of their October 2013 survey in this report.
The Boston Fed has created a powerful, time-saving, easy-to-use tool for people interested in the New England region. The tool uses census data to compare the demographic characteristics of lower-income and higher-income areas within a city. It also provides aggregate information for New England states and for the region as a whole
In disadvantaged neighborhoods, the condition of the housing stock can vary from block to block. On one block, homes appear well kept and in good condition, while on another, many homes show signs of physical distress. Since the blocks within the same neighborhood are often similar in terms of home values, what accounts for this pattern? And is there any contagion effect of home maintenance? Researchers at the Boston Fed examine this issue in several Boston neighborhoods in this report.
The Chicago Fed's IBEX is a series of economic statistics that measure the economic experience of particular income and demographic groups. The IBEX groups include the elderly and the working poor, as well as groupings by education, income quartile and race. The “IBEX 12 Month Inflation Rates” provide a monthly chain-weighted inflation measure for more than 30 socio-economic and demographic groups and overall urban population; the “IBEX Consumer Sentiment (IBEX-CS)” provides a monthly and quarterly index of consumer sentiment for 46 groups and the overall urban population.
Interactive regional indicators tool that allows users to view non-housing consumer debt for borrowers in New York, New Jersey and Connecticut. The tool shows statistics for student loans, auto loans and credit cards by age group for each state in user-defined combinations. Also provided are maps for each state showing non-housing borrower delinquency rates at the county level.
A resource from the Dallas Fed for consumers, community leaders, teachers and students available in print, online interactive and mobile app as well as lesson plans and interactive whiteboard apps for teachers. Building Wealth covers the basics of setting financial goals, budgeting to save, saving to invest, building credit, controlling debt and protecting the wealth you accumulate.