April 2026 Credit Trends

Originations, utilization, and delinquency performance: Equifax Senior Advisor, David Sojka breaks down the latest shifts in this month's webinar.

Key highlights:

• Personal loan originations surged 17% as consumers pivot toward debt consolidation, while private label cards dropped 9.2%. Discover what this shift means for retail lending.
• HELOC utilization rose 6.5% as homeowners leverage equity to manage high-interest debt. Learn why bank card use shows a new trend of disciplined repayment.
• Mortgage delinquencies jumped 36% YoY. Examine how aging subprime vintages and "mixed" repayment signals are forcing lenders to adopt more granular risk metrics.