Quarterly
LRIN64FEO1Q156N • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
36.00
Year-over-Year Change
-3.23%
Date Range
1/1/2005 - 4/1/2017
Summary
The Quarterly Loan-to-Income Ratio for New Home Mortgages measures the ratio of new mortgage loan amounts to borrower incomes, providing insights into mortgage market dynamics and household leverage.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
This economic indicator tracks the typical ratio of new mortgage loan sizes to borrower incomes in the U.S. It is used by economists and policymakers to analyze household financial health, credit conditions, and the overall state of the housing market.
Methodology
The data is collected by the Federal Reserve from lender reports on new mortgage originations.
Historical Context
The Loan-to-Income Ratio informs analysis of housing affordability, mortgage underwriting standards, and financial stability risks.
Key Facts
- Quarterly metric, not seasonally adjusted.
- Loan sizes relative to incomes have risen in recent years.
- High ratios can signal elevated housing affordability risks.
FAQs
Q: What does this economic trend measure?
A: The Quarterly Loan-to-Income Ratio tracks the typical ratio of new mortgage loan amounts to borrower incomes in the United States.
Q: Why is this trend relevant for users or analysts?
A: This indicator provides insights into mortgage market dynamics, household leverage, and housing affordability, which are important for economic analysis and policy decisions.
Q: How is this data collected or calculated?
A: The Federal Reserve collects this data from lender reports on new mortgage originations.
Q: How is this trend used in economic policy?
A: The Loan-to-Income Ratio informs analysis of credit conditions, financial stability risks, and the overall state of the housing market, which are relevant for policymakers.
Q: Are there update delays or limitations?
A: The data is released quarterly and is not seasonally adjusted, so interpretation should account for potential seasonal patterns.
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Citation
U.S. Federal Reserve, Quarterly Loan-to-Income Ratio for New Home Mortgages (LRIN64FEO1Q156N), retrieved from FRED.