Auto-Loan Balances, Debt-to-Income Ratio, Serious Delinquencies for Subprime & Prime in Q1 2025: Our Drunken Sailors and their Auto Loans by Wolf Richter • May 16, 2025 • 19 Comments Something rare occurred: Auto loan balances fell despite highest new & used vehicle sales in years. More people paid cash to dodge interest rates?
Here Come the HELOCs: Mortgages, Housing-Debt-to-Income-Ratio, Serious Delinquencies, and Foreclosures in Q1 2025 by Wolf Richter • May 14, 2025 • 61 Comments Who’s on the hook this time? Mostly not the banks, but taxpayers, except for HELOCs.
Household Debts, Debt-to-Income Ratio, Serious Delinquencies, Collections, Foreclosures, Bankruptcies: Our Drunken Sailors’ Debts in Q1 2025 by Wolf Richter • May 13, 2025 • 91 Comments Student loans are loans again, OOPS.
Auto Debts, Auto-Loan-to-Income Ratio, Serious Delinquencies for Prime & Subprime: Our Drunken Sailors and their Auto Loans by Wolf Richter • Feb 18, 2025 • 61 Comments Subprime, which means “bad credit” and not “low income,” is always in trouble. But it’s only 14% of auto loans. Prime is in pristine condition.
Here Come the HELOCs: Mortgages, Housing-Debt-to-Income-Ratio, Serious Delinquencies & Foreclosures in Q4 2024 by Wolf Richter • Feb 15, 2025 • 68 Comments HELOC balances surged, mortgage balances barely budged: More households, more income, more housing debt.
Household Debts, Debt-to-Income Ratio, Serious Delinquencies, Collections, Foreclosures, Bankruptcies: Our Drunken Sailors’ Debts in Q4 2024 by Wolf Richter • Feb 13, 2025 • 114 Comments More people, more workers, more income, more debt.
Subprime, Prime, and Overall Auto-Loan Delinquency Rates: Why this Surge in “Subprime” Delinquencies when “Prime” Is Pristine? by Wolf Richter • Jan 22, 2025 • 55 Comments We’re in the 4th cycle of the subprime profit motive after auto-loan securitizations became a thing in the early 1990s.
Credit Card Delinquency Rates, Balances, Burden, and Available Credit in Q3 2024 by Wolf Richter • Nov 19, 2024 • 83 Comments Americans far from “tapped out.” Credit card delinquency rate dips to 3.2% (Fed), “prime” delinquency rate 0.99% (Fitch), “subprime” gets over free-money hangover.
Auto-Loan Balances, Burden, Subprime & Prime Delinquency Rates, and Subprime Dealer America’s Car-Mart in Q3 2024 by Wolf Richter • Nov 16, 2024 • 64 Comments Subprime is always in trouble, and now, after the reckless-subprime lending era, more so. Prime is in pristine shape. Car-Mart joins our Imploded Stocks.
Here Come the HELOCs: Mortgages, the Burden of Housing Debt, Serious Delinquencies, and Foreclosures in Q3 2024 by Wolf Richter • Nov 14, 2024 • 77 Comments HELOC balances surged, mortgages not so much, and incomes grew a lot faster than housing debt.
