Zoe
Elite Member
- Joined
- Sep 15, 2020
- Professional Status
- Certified General Appraiser
- State
- Tennessee
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Delinquency rate debt
- Thread starter Zoe
- Start date
Zoe
Elite Member
- Joined
- Sep 15, 2020
- Professional Status
- Certified General Appraiser
- State
- Tennessee
As household debt levels grow modestly, mortgage delinquencies continue to increase,” said Wilbert van der Klaauw, Economic Research Advisor at the New York Fed. “Delinquency rates for mortgages are near historically normal levels, but the deterioration is concentrated in lower-income areas and in areas with declining home prices.”
Mortgage balances grew by $98 billion in the fourth quarter and totaled $13.17 trillion at the end of 2025. Credit card balances rose by $44 billion and stood at $1.28 trillion. Auto loan balances increased by $12 billion to $1.67 trillion, after holding steady during the prior quarter. Home equity line of credit (HELOC) balances increased by $11.6 billion to $434 billion while student loan balances rose by $11 billion to $1.66 trillion. Non-housing balances rose by $81 billion, a 1.6% increase from Q3 2025.
Mortgage balances grew by $98 billion in the fourth quarter and totaled $13.17 trillion at the end of 2025. Credit card balances rose by $44 billion and stood at $1.28 trillion. Auto loan balances increased by $12 billion to $1.67 trillion, after holding steady during the prior quarter. Home equity line of credit (HELOC) balances increased by $11.6 billion to $434 billion while student loan balances rose by $11 billion to $1.66 trillion. Non-housing balances rose by $81 billion, a 1.6% increase from Q3 2025.