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LISC Foreclosure Risk Scores Data, September 2012

Released December 2012

To help states and communities make informed decisions about how to allocate and spend their resources for foreclosure prevention and neighborhood stabilization, the Local Initiatives Support Corporation(LISC) has developed datasets with foreclosure "risk scores" at the ZIP Code level within each state and also within each metropolitan area. These scores incorporate measures of subprime lending, foreclosures, delinquency, and vacancies.

How can you use these data?

State and local elected officials, government agency staff, and community leaders can use these risk scores to quickly assess relative foreclosure risk within states, localities, or metropolitan areas and allocate resources accordingly. Further, policy analysts can adapt the LISC methods to local circumstances by assigning different weights to the individual factors provided or by adding additional criteria from outside data sources.

See a case study [PDF] that looks at data in Rhode Island to show how LISC Foreclosure Risk Scores can be applied to better understand foreclosure risks and patterns.
NSP grantees may find resources to use in combination with these data in our Neighborhood Stabilization Program Resource Center.

What are the differences between the intrastate and intrametropolitan scores?

The Intrastate ZIP Code Level Risk Scores show the relative foreclosure risk at the ZIP Code level within a state. These data will be useful in assessing risk and allocating assistance at either the state or the local level. The data are from September 2012 and are available for download or online mapping.

Intrametropolitan ZIP Code Level Risk Scores are also available. These data show the relative foreclosure risk at the ZIP Code level within a metropolitan area and will be useful in assessing risk within metro areas, particularly if the metro area covers more than one state. These data are from September 2012 and are currently available for download only.
Current Data:
Archived Data:

Related resource:


Intrastate ZIP Code Level Data

Table 1 in the Intrastate ZIP Code level Excel workbooks provides the foreclosure risk score for ZIP Codes by state; this score allows states and localities to look at the relative foreclosure risk of all areas in a state. The highest risk ZIP Code in the state is assigned a score of 100 and all other ZIP Codes are assigned a score relative to the highest risk ZIP Code.

LISC cannot provide loan and foreclosure counts at this level of geography because these estimates are based on proprietary data. Therefore, in addition to the foreclosure risk scores, the table contains summary scores for each of the subprime, foreclosure, and delinquent loan components. The scores indicate relative risk of ZIP Codes on each component individually. For example, the subprime component score is only based on the number of subprime loans and percentage of all loans that are subprime. The highest risk ZIP Code in terms of subprime loans in each state receives a score of 100 and a ZIP Code with a score of 50 is estimated to have about half the risk level.

Because of the large file size, the intrastate ZIP Code level data have been divided into four separate files. Click on the links below to download the appropriate file:

Alabama to Indiana -- Iowa to Montana -- Nebraska to Oregon -- Pennsylvania to Wyoming
 
Each spreadsheet has two tabs:

- Table 1. LISC's Foreclosure Risk Scores at the ZIP Code level within each state, along with data on individual components that make up the score.

- Data Definitions. Descriptions of the data shown in each column of Table 1.

Tab-delimited file -- The scores are also available in a tab-delimited file for use in statistical programs.

Intrastate ZIP Code Methodology [PDF] - A detailed description of the methodology used to calculate the Intrastate LISC Foreclosure Risk Scores at the ZIP Code level.


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Intrametropolitan ZIP Code Level Data

Table 1 in the Intrametropolitan ZIP Code level Excel workbooks provides the foreclosure risk score for ZIP Codes by metropolitan area; this score allows users to look at the relative foreclosure risk of all ZIP Codes in a metropolitan area. The highest risk ZIP Code in the metro area is assigned a score of 100 and all other ZIP Codes are assigned a score relative to the highest risk ZIP Code.

LISC cannot provide loan and foreclosure counts at this level of geography because these estimates are based on proprietary data. Therefore, in addition to the foreclosure risk scores, the table contains summary scores for each of the subprime, foreclosure, and delinquent loan components. The scores indicate relative risk of ZIP Codes on each component individually. For example, the subprime component score is only based on the number of subprime loans and percentage of all loans that are subprime. The highest risk ZIP Code in terms of subprime loans in each metro area receives a score of 100 and a ZIP Code with a score of 50 is estimated to have about half the risk level.

The Intrametropolitan ZIP Code level data are available for download only. The full Excel file is approximately 4 MB. Because of the large file size, the intrametropolitan ZIP Code level data have also been divided into four separate files. Click on the links below to download the appropriate file:

Abilene to Dayton -- Decatur to Lynchburg -- Macon to Punta Gorda -- Racine to Yuma
 
Each spreadsheet has two tabs:

- Table 1. LISC's Foreclosure Risk Scores at the ZIP Code level within each metropolitan area, along with data on individual components that make up the score.

- Data Definitions. Descriptions of the data shown in each column of Table 1.

Intrametropolitan ZIP Code Methodology [PDF] - A detailed description of the methodology used to calculate the Intrametropolitan LISC Foreclosure Risk Scores at the ZIP Code level.


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