Key Points
New delinquency rates for auto, credit card and mortgage loans were roughly unchanged over Q2’25 according to the New York Fed’s Household Debt and Credit Report.
- New delinquency rates for student loans continued to grow over the second quarter following the resumption of delinquency reporting, which had been paused for nearly 5 years.
New Delinquent Balances by Loan Type
Despite policy uncertainty and somewhat elevated delinquency rates, the Senior Loan Officer Opinion Survey on Bank Lending Practices (SLOOS) found lending standards for auto and other non-credit card consumer loans were basically unchanged over the first half of 2025.
- Standards for credit card loans continued to tighten over the second quarter.
Net % of Domestic Banks Tightening Standards for Loans
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