Household debt climbed in Q4 2025 as mortgage balances and delinquencies edged higher, highlighting emerging credit stress and renewed second-lien opportunity for originators heading into 2026
Fannie Mae’s December 2025 report shows modest growth in its guaranty book and largely stable credit conditions, with delinquency rates near historic lows despite elevated mortgage rates and slower home sales
Freddie Mac’s December 2025 volume summary shows continued growth in its mortgage and investment portfolios, with credit performance remaining largely stable as the year ended
New Experian data shows rising late-stage mortgage delinquencies are signaling emerging credit stress for originators, even as HELOC performance remains relatively stable
Foreclosure activity rose in 2025 as the housing market continued to normalize, though levels remain far below pre-pandemic and crisis-era highs
Freddie Mac’s November volume data show steady but restrained portfolio growth and continued credit resilience as higher rates and slower origination activity weigh on the mortgage market
ATTOM’s latest breakdown shows foreclosure activity rising for the ninth straight month year-over-year, with 35,651 properties reporting a foreclosure filing
Rising student loan delinquencies — now back to pre-pandemic levels with six million borrowers past due — are dragging down credit scores and making it harder for many people to qualify for mortgages, tightening affordability and access to homeownership
Equity Prime Mortgage blasts HW Media coverage as 'sensational'
Analysts see stable loan performance and softening rates, while insurance costs rising and inventory stalling