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LISC Foreclosure Risk Scores, 2009

Please note: This is an archived data page. For the most current data, click here.

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. These scores incorporate measures of subprime lending, foreclosures, delinquency, and vacancies.

State and local elected officials, government agency staff, and community leaders can use these risk scores to quickly assess relative foreclosure risk within states and localities 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.

This page contains scores from June 2009. Click here for current (December 2010) scores. Earlier archived scores from June 2008 include both ZIP Code level scores and scores for Community Development Block Grant (CDBG) jurisdictions.

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.
Related resources:


ZIP Code Level Data

Table 1 in the 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, ZIP Code level data has 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.

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


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