Equifax National Market Pulse Data Shows U.S. Consumer Top-Line Debt Stabilizing at $18.25 Trillion in Q2 2026 With Delinquencies Improving Across Categories
Equifax released its Q2 2026 Market Pulse report, indicating that total U.S. consumer debt stabilized at $18.25 trillion, reflecting a 2.1% year-over-year increase driven primarily by mortgages and revolving bankcard debt. The data shows a broad improvement in delinquency rates across automotive, bankcard, and mortgage sectors, with first mortgage 90+ day past due delinquencies dropping 3.6% from May 2026.
Key figures
- Bankcard balances yoy
- 3.9%
- Total debt yoy growth
- 2.1%
- Student loan balances yoy
- -3.1%
- Bankcard balances june 2026
- $1,108.5 billion
- Mortgage delinquency 90dpd mom
- -3.6%
- Mortgage delinquency 90dpd yoy
- 40.6%
- Total us consumer debt q2 2026
- $18.25 trillion
- Student loan balances june 2026
- $1,287 billion
AI analysis
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AI-generated analysis of a public disclosure. Not investment advice; verify against the original document.