June 2026 Consumer Pulse: The Latest Consumer Credit Trends
Highlights:
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Broad-based consumer credit origination growth continues, driven by bankcards, personal loans, and mortgage volume, alongside persistent annual increases in debt.
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While annual delinquency rates for auto, bankcard, and personal loans show improvement, the market is simultaneously experiencing an increase in severe mortgage delinquency.
The June Market Pulse webinar showcased insights from Equifax Senior Advisor Tom O’Neill around current consumer credit trends.
June 2026 Key Insights: Today’s Consumer Credit Trends
Broad-based origination growth has been led by continued
growth in bankcards, personal loans, and mortgage volume.¹
Annual
debt growth persists as mortgage and card debt grow.²
Non-mortgage
debt has shifted in recent years.²
Improvements
in annual delinquency in auto, bankcard, and personal loans are being
offset by rising severe mortgage delinquency.²
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Sources:
(c) Equifax Inc. 2026. All Rights Reserved. The statistics provided herein are for informational and illustrative purposes only and shall not be used for any other purpose.
*The opinions, estimates, and forecasts presented herein are for general information use only. This material is based upon information that we consider to be reliable, but we do not represent that it is accurate or complete. No person should consider distribution of this material as making any representation or warranty with respect to such material and should not rely upon it as such. Equifax does not assume any liability for any loss that may result from the reliance by any person upon any such information or opinions. Such information and opinions are subject to change without notice. The opinions, estimates, forecasts, and other views published herein represent the views of the presenters as of the date indicated and do not necessarily represent the views of Equifax or its management.
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