v5

latestOpenAPI 3.1.0Proprietary2026-08-031,5423,1505.5 MB

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"
    ]
  }
}