NSP Foreclosure Need Data Download

HUD has developed scores for Census tracts that estimate a risk for foreclosure based on:

• whether or not loans are high cost or highly leveraged in the census tract,



• if home values in the metropolitan areas have fallen and by how much,



• the unemployment rate in 2008, and



• whether or not that unemployment has changed between 2007 and 2008.

These factors are extremely good predictors of foreclosure problems and are used to create the scores for NSP neighborhood targeting purposes. For NSP1 grantees, this information provides a slightly different look at the areas of greatest need. Grantees using this site to plan NSP1 activities should be aware that the foreclosure and vacancy scores in this map are slightly different from those provided in October 2008. Grantees may use either set of data, at their discretion, so long as any changes conform to normal CPD procedures for NSP plan amendments.

For NSP2 applicants, the data here is the same at the data underlying the map. They provide the basis for a determination of geographic needs, both for the threshold requirement and for scoring factor 1 (see the NSP2 NOFA).

Census Tract level data with the scores and the key variables used to estimate the scores are available for download by state or the entire United States. Please read the methodology to understand more on how these data reflect "estimates" of foreclosure problems. Also note that the foreclosure problem estimated here are of "foreclosure starts". Data from HOPE NOW indicate that fewer than half of loans that start the foreclosure process complete it. Many borrowers become current, have their loans modified, sell their home in a short-sale, and other outcomes. Thus, the estimates here are assumed to overstate the actual number of homes that would become Real Estate Owned. The names of the variables in the file are:

• Geoid = Census Tract (State,County,Tract)
  
  

• sta = State Postal Code
  
  

• cntyname = County Name
  
  

• nforeclose = Foreclosure Risk Score
  
  

• nvacancy = Vacancy and Foreclosure Risk Score
  
  

• fordq_num = Estimated number of mortgages to start foreclosure process or be seriously delinquent in past 2 years
  
  

• fordq_rate = Estimated percent of mortgages to start foreclosure process or be seriously delinquent in past 2 years
  
  

• vac_rate = Estimated percent of all addresses in Census Tract to be vacant 90 days or longer
  
  

• num_mort_tract = Estimated number of mortgages in Tract (the greater of Census 2000 mortgages or total HMDA mortgages between 2004 and 2007)
  
  

• pct_lchl = Percent of HMDA mortgage made 2004 to 2007 that are low-cost and high-leverage in Census Tract
  
  

• pct_hcll = Percent of HMDA mortgage made 2004 to 2007 that are high-cost and low-leverage in Census Tract
  
  

• pct_hchl = Percent of HMDA mortgage made 2004 to 2007 that are high-cost and high-leverage in Census Tract
  
  

• ofheo_price_change = Price change between peak value and December 2008 value in Metropolitan Area (or non-metropolitan balance)
  
  

• pct_unem_2008 = Average unemployment rate in county in 2008
  
  

• unem_ch0708 = Change in average unemeployment rate in county between 2007 and 2008
  
  

If you have questions about how to download the data, please contact Linda.M.Defilippo@hud.gov. If you have questions about the NSP1 program, please send your question to NSP-Questions@hud.gov. If you have questions about NSP2, NSP2_Help@hud.gov.

Please click on any state to download Census Tract-specific data.

Back to Neighborhood Stabilization Program Grants