October 2025 Credit Trends

Equifax Senior Advisor Tom O'Neill breaks down the credit trends in our October 2025 Market Pulse webinar.

Key highlights:

• First mortgage originations are driving overall lending strength. Find out how this momentum compares to activity levels in the pre-pandemic market of 2019.
• Credit card balances are increasing, yet utilization is dropping ahead of the holidays. Discover the factor dramatically expanding consumer borrowing capacity for the coming holiday spending season.
• While bank card delinquency rates have fallen for four consecutive months, auto and mortgage delinquencies are rising. Hear Tom O'Neill's analysis on why the increase in mortgage delinquencies is still considered a sign of risk stability in the housing market.