Mortgage Risk Index - AEI

Housing center

Mortgage Risk Index

How risky are mortgages right now?

The National Mortgage Risk Index (NMRI) provides accurate and timely tracking of risk in the mortgage market. The NMRI is a stress test, similar to a hurricane rating for buildings, using the 2007-08 financial crisis as the stress event. It covers nearly all loans originated since September 2012 that have a government guarantee.

Since the start of the NMRI in September 2012, mortgages securitized or endorsed by the federal government have become more risky. The AEI Center on Housing Markets and Finance’s bellwether National Mortgage Risk Index (NMRI), the All-Agency Purchase Loan NMRI, captures this trend.

National Mortgage Risk Index Interactive

Loan Type:
Variable of Interest:

Periodic Tables of Housing Risk

Derived data disclosure: the information on this site is for academic and/or research purposes, and is made available to the public for non-commercial purposes only.

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