Central Banks & Monetary

Financial Vulnerability Index - loan-to-income

Financial Vulnerability Index indicator - loan-to-income ratio (group FVI_LOAN_TO_INCOME_RATIO). Reports the share of new mortgage originations with a loan-to-income ratio above 450% and the median LTI across first-time home buyers, repeat buyers, investors, insured and uninsured mortgages.

Published alongside the Financial Stability Report. Companion endpoints on the Sugra group passthrough can access other FVI groups directly: FVI_LOAN_TO_VALUE_RATIO, FVI_BANKS_CA, FVI_BANKS_AQ, FVI_CREA_RESALE, FVI_MORTGAGE_DEBT_SERVICE_RATIO.

get/api/v1/boc/financial-stability

Query parameters

recent_yearsinteger

Number of years of history.

Response

Quarterly financial-vulnerability indicators focused on household mortgage risk.

Example response

{
  "meta": {
    "endpoint": "/api/v1/fred/us/cpi",
    "data_time": "2026-04-16T14:30:00Z",
    "response_time": "2026-04-16T14:30:12Z",
    "provider": "Sugra API v1.0.1",
    "source": "sugra_crypto",
    "attribution": "Short interest and Reg SHO daily short volume data is owned by and sourced from FINRA (Financial Industry Regulatory Authority).",
    "fallback_chain": [
      "sugra_crypto",
      "sugra_finance"
    ]
  }
}

Changes

Changed in 2 of the 21 revisions of this API.612

Aug 28, 2026560e8847c7b36See the full diff
- ▲
  the response property data/count became optional for the status 200
  response-property-became-optional
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  the response property data/observations became optional for the status 200
  response-property-became-optional
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  the response property data/seriesDetail became optional for the status 200
  response-property-became-optional
- ▲
  response property data/count list-of-types was widened by adding types null and number to media type application/json of response 200
  response-property-list-of-types-widened
- ▲
  response property data/observations list-of-types was widened by adding types null to media type application/json of response 200
  response-property-list-of-types-widened
- ▲
  response property data/seriesDetail list-of-types was widened by adding types null to media type application/json of response 200
  response-property-list-of-types-widened
This revision also has 15 changes that name no endpoint, such as unreferenced schemas being removed. See the revision's changelog
Aug 8, 20264c4530760ba112See the full diff
- ○
  added the optional property code to the response with the 401 status
  response-optional-property-added
- ○
  added the optional property code to the response with the 429 status
  response-optional-property-added
- ○
  added the optional property code to the response with the 503 status
  response-optional-property-added
- ○
  added the optional property hint to the response with the 401 status
  response-optional-property-added
- ○
  added the optional property hint to the response with the 429 status
  response-optional-property-added
- ○
  added the optional property hint to the response with the 503 status
  response-optional-property-added
- ○
  added the optional property plan to the response with the 401 status
  response-optional-property-added
- ○
  added the optional property plan to the response with the 429 status
  response-optional-property-added
- ○
  added the optional property plan to the response with the 503 status
  response-optional-property-added
- ○
  added the optional property reason to the response with the 401 status
  response-optional-property-added
- ○
  added the optional property reason to the response with the 429 status
  response-optional-property-added
- ○
  added the optional property reason to the response with the 503 status
  response-optional-property-added

Full history