U.S. Banking Priority Briefs  ·  Retail banking segments and acquisition outcomes, scored for every U.S. household  ·  audience@semcasting.com

Retail banking segments

Auto and Consumer Lending Audiences

Households likely to finance a vehicle or take an installment loan.

Scored households139.6M

Across 139.6M U.S. households in the Semcasting file, 15.5M clear the high-fit bar for auto & consumer lending (score 60+, the top 10% nationally). Among metro areas they concentrate in Hickory, Ogden, Spartanburg: in the Hickory metro area, 28.1% of households are high-fit, 2.54× the national rate. At $1.50 to $3.00 CPM, these audiences are priced at approximately 50% or less of the market rate, with results reported every week.

Fair Lending qualified

No race, sex, age, marital, familial or public-assistance inputs, and no proxies for them.

Household + zip signals

Semcasting household fields combined with Census, HMDA, IRS data for the zipcode.

State and zip indexes

Scores roll up to every U.S. state and zipcode, indexed to the national average (100).

Households national audience

U.S. households scored
139.6M
High-fit (score 60+)
15.5M
Qualified (score 52+)
35.1M
U.S. zipcodes indexing 120+
10,215
Hickory metro
28.1%
U.S. households
11.1%

Share of households clearing the high-fit bar in the top metro area vs the nation. Qualified tier (score 52+, the top 25%): 35.1M households. Average score 42.4.

States highest high-fit share

StateHigh-fitShare
Wyoming61K25.3%
South Dakota89K24.1%
Idaho174K22.3%
Utah263K21.7%
Nebraska180K21.5%
Iowa298K20.9%

Zipcodes highest index, 2,000+ households

ZIPHouseholdsIndex
47462Springville, IN2,245154.1
67215Wichita, KS2,570154.1
29376Roebuck, SC3,812153.0
35490Vance, AL2,155152.8
36250Alexandria, AL2,027150.8

States with at least 50,000 scored households. The largest high-fit audiences by count are in Texas (1.5M), California (1.0M), North Carolina (766K), Georgia (732K), Ohio (703K).

Metro areas highest high-fit share, 100,000+ households

Metro areaHigh-fitSharevs U.S.
Hickory-Lenoir-Morganton, NC49K28.1%2.54×
Ogden, UT62K26.7%2.41×
Spartanburg, SC41K26.3%2.37×
Sioux Falls, SD-MN31K23.6%2.13×
York-Hanover, PA46K23.5%2.12×
Provo-Orem-Lehi, UT52K23.3%2.10×

District of Columbia is a single urban core, so it is shown among states but is better compared with metro areas. The Washington metro area as a whole: 4.2% high-fit across 2.5M households.

Common questions

Where do auto & consumer lending households concentrate?

By share of households, in the Hickory, Ogden and Spartanburg metro areas. In Hickory, 28.1% of households are high-fit, 2.54x the national rate. By count, the largest high-fit audiences are in Texas (1.5M), California (1.0M), North Carolina (766K).

What does high-fit mean for auto & consumer lending?

A score of 60 or higher, the top 10% of U.S. households for this segment. Qualified (score 52 or higher) is the top 25%. These are percentile cuts across all scored households, not a count of households that need the product.

Is the auto & consumer lending score Fair Lending qualified?

It uses no race, sex, age, marital status, familial status or public-assistance inputs, no fields that stand in for them, and no credit bureau data. It is not a credit decision. Zip-level targeting should still get a disparate-impact review before media or offer allocation.

Evidence base data behind auto & consumer lending

  • Semcasting dataSemcasting household file
  • Federal statisticsCensus ACS 2024 5-year

How the score is built

Each household's auto & consumer lending score (0 to 100) is 60% its own household fields (income range 33%, digital activity 33%, homeownership 25%, home value 8%) and 40% Fair Lending qualified statistics for its zipcode from Census ACS 2024 5-year, each converted to a national percentile. State and zip indexes compare an area's average score with the U.S. average (100).

How it is confirmed

Every scored file carries a fixed 10% holdout. Campaign results are compared with the holdout at the same score cutoffs, and the difference is reported as lift. Weights are refined against campaign response and booking data as it accumulates.

What it is not

The score is not a credit decision and uses no credit bureau data. It excludes race, sex, age, marital status, familial status and receipt of public assistance, and any field that stands in for them. Zip-level targeting should still get a disparate-impact review before media or offer allocation.