{"vertical":"mortgages","as_of":"2026-04-01","quarter":"2026Q2","report":"HHD_C_Report_2026Q2","report_month":"2026-08-01","release":{"estimated":"quarter end + 40 days; the latest quarter uses the report month","latest":"2026-08-01","date":"2026-08-11"},"markers":{"score_change":"2026-01-01"},"series":{"serious":{"label":"Balance 90+ days late","unit":"%","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",1.21],["2003-04-01",1.14],["2003-07-01",1.1],["2003-10-01",1.06],["2004-01-01",1.01],["2004-04-01",1.0],["2004-07-01",1.08],["2004-10-01",1.08],["2005-01-01",1.01],["2005-04-01",0.87],["2005-07-01",0.91],["2005-10-01",0.93],["2006-01-01",0.92],["2006-04-01",0.86],["2006-07-01",1.07],["2006-10-01",1.31],["2007-01-01",1.56],["2007-04-01",1.76],["2007-07-01",2.23],["2007-10-01",2.93],["2008-01-01",3.94],["2008-04-01",4.16],["2008-07-01",4.73],["2008-10-01",5.59],["2009-01-01",6.97],["2009-04-01",7.93],["2009-07-01",8.17],["2009-10-01",8.75],["2010-01-01",8.89],["2010-04-01",8.36],["2010-07-01",7.82],["2010-10-01",7.61],["2011-01-01",7.46],["2011-04-01",6.91],["2011-07-01",6.83],["2011-10-01",6.89],["2012-01-01",6.67],["2012-04-01",6.33],["2012-07-01",5.9],["2012-10-01",5.58],["2013-01-01",5.35],["2013-04-01",4.94],["2013-07-01",4.31],["2013-10-01",3.93],["2014-01-01",3.72],["2014-04-01",3.39],["2014-07-01",3.18],["2014-10-01",3.07],["2015-01-01",2.95],["2015-04-01",2.51],["2015-07-01",2.32],["2015-10-01",2.18],["2016-01-01",2.08],["2016-04-01",1.76],["2016-07-01",1.63],["2016-10-01",1.57],["2017-01-01",1.67],["2017-04-01",1.47],["2017-07-01",1.38],["2017-10-01",1.27],["2018-01-01",1.22],["2018-04-01",1.11],["2018-07-01",1.06],["2018-10-01",1.06],["2019-01-01",1.0],["2019-04-01",0.87],["2019-07-01",0.97],["2019-10-01",1.07],["2020-01-01",1.06],["2020-04-01",0.84],["2020-07-01",0.7],["2020-10-01",0.62],["2021-01-01",0.59],["2021-04-01",0.47],["2021-07-01",0.46],["2021-10-01",0.46],["2022-01-01",0.47],["2022-04-01",0.48],["2022-07-01",0.37],["2022-10-01",0.43],["2023-01-01",0.44],["2023-04-01",0.46],["2023-07-01",0.5],["2023-10-01",0.57],["2024-01-01",0.6],["2024-04-01",0.57],["2024-07-01",0.7095],["2024-10-01",0.7],["2025-01-01",0.8555],["2025-04-01",0.8175],["2025-07-01",0.83],["2025-10-01",0.9157],["2026-01-01",1.09],["2026-04-01",0.99]]},"new_30":{"label":"Newly 30+ days late, annualized","unit":"%","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",5.38],["2003-04-01",5.54],["2003-07-01",5.27],["2003-10-01",5.27],["2004-01-01",5.05],["2004-04-01",5.07],["2004-07-01",5.0],["2004-10-01",4.88],["2005-01-01",4.75],["2005-04-01",4.64],["2005-07-01",4.69],["2005-10-01",4.68],["2006-01-01",4.73],["2006-04-01",4.85],["2006-07-01",5.03],["2006-10-01",5.45],["2007-01-01",5.99],["2007-04-01",6.46],["2007-07-01",7.09],["2007-10-01",7.99],["2008-01-01",8.72],["2008-04-01",9.5],["2008-07-01",10.26],["2008-10-01",11.21],["2009-01-01",11.94],["2009-04-01",12.4],["2009-07-01",12.44],["2009-10-01",11.66],["2010-01-01",11.06],["2010-04-01",10.32],["2010-07-01",9.71],["2010-10-01",9.09],["2011-01-01",8.64],["2011-04-01",8.21],["2011-07-01",8.2],["2011-10-01",8.02],["2012-01-01",7.57],["2012-04-01",7.31],["2012-07-01",6.69],["2012-10-01",6.3],["2013-01-01",6.04],["2013-04-01",5.73],["2013-07-01",5.47],["2013-10-01",5.25],["2014-01-01",4.92],["2014-04-01",4.65],["2014-07-01",4.48],["2014-10-01",4.2],["2015-01-01",4.05],["2015-04-01",4.09],["2015-07-01",3.94],["2015-10-01",3.85],["2016-01-01",3.7],["2016-04-01",3.43],["2016-07-01",3.43],["2016-10-01",3.38],["2017-01-01",3.51],["2017-04-01",3.61],["2017-07-01",3.46],["2017-10-01",3.4],["2018-01-01",3.38],["2018-04-01",3.41],["2018-07-01",3.56],["2018-10-01",3.55],["2019-01-01",3.5],["2019-04-01",3.43],["2019-07-01",3.42],["2019-10-01",3.5],["2020-01-01",3.48],["2020-04-01",3.1],["2020-07-01",2.54],["2020-10-01",1.98],["2021-01-01",1.59],["2021-04-01",1.45],["2021-07-01",1.39],["2021-10-01",1.57],["2022-01-01",1.66],["2022-04-01",1.9],["2022-07-01",2.1],["2022-10-01",2.25],["2023-01-01",2.43],["2023-04-01",2.56],["2023-07-01",2.8],["2023-10-01",2.99],["2024-01-01",3.24],["2024-04-01",3.35],["2024-07-01",3.6],["2024-10-01",3.61],["2025-01-01",3.71],["2025-04-01",3.6761],["2025-07-01",3.62],["2025-10-01",3.8509],["2026-01-01",3.76],["2026-04-01",3.95]]},"new_serious":{"label":"Newly 90+ days late, annualized","unit":"%","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",1.4426],["2003-04-01",1.4984],["2003-07-01",1.5027],["2003-10-01",1.4447],["2004-01-01",1.3376],["2004-04-01",1.2937],["2004-07-01",1.3447],["2004-10-01",1.36],["2005-01-01",1.36],["2005-04-01",1.3685],["2005-07-01",1.3089],["2005-10-01",1.2695],["2006-01-01",1.3158],["2006-04-01",1.3064],["2006-07-01",1.4583],["2006-10-01",1.6791],["2007-01-01",1.9373],["2007-04-01",2.4036],["2007-07-01",2.893],["2007-10-01",3.6816],["2008-01-01",4.7125],["2008-04-01",5.3218],["2008-07-01",6.0427],["2008-10-01",6.6531],["2009-01-01",7.3879],["2009-04-01",8.2623],["2009-07-01",8.3527],["2009-10-01",8.3047],["2010-01-01",7.6977],["2010-04-01",6.9548],["2010-07-01",6.4942],["2010-10-01",5.8364],["2011-01-01",5.2932],["2011-04-01",4.8267],["2011-07-01",4.6429],["2011-10-01",4.5841],["2012-01-01",4.4087],["2012-04-01",4.1828],["2012-07-01",3.877],["2012-10-01",3.4847],["2013-01-01",3.1755],["2013-04-01",2.9919],["2013-07-01",2.7405],["2013-10-01",2.538],["2014-01-01",2.3275],["2014-04-01",2.1082],["2014-07-01",1.9381],["2014-10-01",1.8112],["2015-01-01",1.7037],["2015-04-01",1.6479],["2015-07-01",1.6271],["2015-10-01",1.5485],["2016-01-01",1.4919],["2016-04-01",1.4053],["2016-07-01",1.2872],["2016-10-01",1.2868],["2017-01-01",1.2419],["2017-04-01",1.24],["2017-07-01",1.24],["2017-10-01",1.14],["2018-01-01",1.13],["2018-04-01",1.18],["2018-07-01",1.18],["2018-10-01",1.19],["2019-01-01",1.1],["2019-04-01",1.04],["2019-07-01",0.99],["2019-10-01",1.1],["2020-01-01",1.17],["2020-04-01",1.08],["2020-07-01",0.96],["2020-10-01",0.65],["2021-01-01",0.42],["2021-04-01",0.33],["2021-07-01",0.27],["2021-10-01",0.29],["2022-01-01",0.34],["2022-04-01",0.44],["2022-07-01",0.5],["2022-10-01",0.57],["2023-01-01",0.59],["2023-04-01",0.63],["2023-07-01",0.72],["2023-10-01",0.82],["2024-01-01",0.92],["2024-04-01",0.95],["2024-07-01",1.0809],["2024-10-01",1.09],["2025-01-01",1.22],["2025-04-01",1.29],["2025-07-01",1.28],["2025-10-01",1.3844],["2026-01-01",1.48],["2026-04-01",1.52]]},"serious_all":{"label":"All household debt, 90+ days late","unit":"%","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",2.5668],["2003-04-01",2.492],["2003-07-01",2.3929],["2003-10-01",2.3528],["2004-01-01",2.3112],["2004-04-01",2.2189],["2004-07-01",2.2428],["2004-10-01",2.261],["2005-01-01",2.2052],["2005-04-01",2.0176],["2005-07-01",2.0207],["2005-10-01",1.971],["2006-01-01",1.9499],["2006-04-01",1.9131],["2006-07-01",2.1085],["2006-10-01",2.3297],["2007-01-01",2.5041],["2007-04-01",2.6554],["2007-07-01",3.0557],["2007-10-01",3.6169],["2008-01-01",4.4086],["2008-04-01",4.6413],["2008-07-01",5.107],["2008-10-01",5.89],["2009-01-01",7.0549],["2009-04-01",7.7977],["2009-07-01",8.0179],["2009-10-01",8.5351],["2010-01-01",8.71],["2010-04-01",8.3504],["2010-07-01",7.9523],["2010-10-01",7.8333],["2011-01-01",7.6927],["2011-04-01",7.238],["2011-07-01",7.1377],["2011-10-01",7.1448],["2012-01-01",6.9592],["2012-04-01",6.71],["2012-07-01",6.55],["2012-10-01",6.31],["2013-01-01",6.07],["2013-04-01",5.7],["2013-07-01",5.31],["2013-10-01",5.03],["2014-01-01",4.77],["2014-04-01",4.49],["2014-07-01",4.33],["2014-10-01",4.3],["2015-01-01",4.25],["2015-04-01",3.98],["2015-07-01",3.79],["2015-10-01",3.69],["2016-01-01",3.6],["2016-04-01",3.34],["2016-07-01",3.28],["2016-10-01",3.3],["2017-01-01",3.37],["2017-04-01",3.26],["2017-07-01",3.19],["2017-10-01",3.12],["2018-01-01",3.11],["2018-04-01",3.04],["2018-07-01",3.09],["2018-10-01",3.1],["2019-01-01",3.06],["2019-04-01",2.94],["2019-07-01",3.04],["2019-10-01",3.15],["2020-01-01",3.17],["2020-04-01",2.61],["2020-07-01",2.43],["2020-10-01",2.33],["2021-01-01",2.29],["2021-04-01",2.06],["2021-07-01",1.94],["2021-10-01",1.87],["2022-01-01",1.83],["2022-04-01",1.81],["2022-07-01",1.64],["2022-10-01",1.41],["2023-01-01",1.46],["2023-04-01",1.47],["2023-07-01",1.62],["2023-10-01",1.74],["2024-01-01",1.83],["2024-04-01",1.83],["2024-07-01",1.9672],["2024-10-01",2.04],["2025-01-01",2.8441],["2025-04-01",3.0378],["2025-07-01",2.98],["2025-10-01",3.1216],["2026-01-01",3.36],["2026-04-01",3.31]]},"balance":{"label":"Balance outstanding","unit":"$T","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",4.942],["2003-04-01",5.08],["2003-07-01",5.183],["2003-10-01",5.66],["2004-01-01",5.84],["2004-04-01",5.967],["2004-07-01",6.21],["2004-10-01",6.36],["2005-01-01",6.512],["2005-04-01",6.696],["2005-07-01",6.906],["2005-10-01",7.102],["2006-01-01",7.436],["2006-04-01",7.76],["2006-07-01",8.045],["2006-10-01",8.234],["2007-01-01",8.422],["2007-04-01",8.706],["2007-07-01",8.925],["2007-10-01",9.101],["2008-01-01",9.234],["2008-04-01",9.273],["2008-07-01",9.294],["2008-10-01",9.257],["2009-01-01",9.135],["2009-04-01",9.063],["2009-07-01",8.944],["2009-10-01",8.843],["2010-01-01",8.834],["2010-04-01",8.703],["2010-07-01",8.609],["2010-10-01",8.452],["2011-01-01",8.544],["2011-04-01",8.516],["2011-07-01",8.402],["2011-10-01",8.268],["2012-01-01",8.187],["2012-04-01",8.147],["2012-07-01",8.028],["2012-10-01",8.033],["2013-01-01",7.932],["2013-04-01",7.841],["2013-07-01",7.897],["2013-10-01",8.049],["2014-01-01",8.165],["2014-04-01",8.096],["2014-07-01",8.131],["2014-10-01",8.17],["2015-01-01",8.171],["2015-04-01",8.116],["2015-07-01",8.26],["2015-10-01",8.249],["2016-01-01",8.369],["2016-04-01",8.362],["2016-07-01",8.35],["2016-10-01",8.48],["2017-01-01",8.627],["2017-04-01",8.691],["2017-07-01",8.743],["2017-10-01",8.882],["2018-01-01",8.939],["2018-04-01",8.999],["2018-07-01",9.14],["2018-10-01",9.124],["2019-01-01",9.244],["2019-04-01",9.406],["2019-07-01",9.437],["2019-10-01",9.557],["2020-01-01",9.713],["2020-04-01",9.776],["2020-07-01",9.861],["2020-10-01",10.043],["2021-01-01",10.16],["2021-04-01",10.442],["2021-07-01",10.672],["2021-10-01",10.93],["2022-01-01",11.18],["2022-04-01",11.387],["2022-07-01",11.669],["2022-10-01",11.923],["2023-01-01",12.044],["2023-04-01",12.014],["2023-07-01",12.14],["2023-10-01",12.252],["2024-01-01",12.442],["2024-04-01",12.519],["2024-07-01",12.594],["2024-10-01",12.605],["2025-01-01",12.804],["2025-04-01",12.935],["2025-07-01",13.072],["2025-10-01",13.17],["2026-01-01",13.191],["2026-04-01",13.117]]},"accounts":{"label":"Open mortgage accounts","unit":"M","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",79.54],["2003-04-01",79.73],["2003-07-01",79.34],["2003-10-01",83.42],["2004-01-01",83.95],["2004-04-01",84.74],["2004-07-01",84.87],["2004-10-01",85.3],["2005-01-01",85.56],["2005-04-01",86.3],["2005-07-01",87.15],["2005-10-01",86.98],["2006-01-01",88.58],["2006-04-01",90.97],["2006-07-01",92.53],["2006-10-01",93.25],["2007-01-01",94.36],["2007-04-01",95.92],["2007-07-01",96.76],["2007-10-01",97.65],["2008-01-01",98.14],["2008-04-01",98.0],["2008-07-01",97.66],["2008-10-01",97.02],["2009-01-01",95.45],["2009-04-01",94.44],["2009-07-01",93.03],["2009-10-01",92.12],["2010-01-01",92.01],["2010-04-01",90.75],["2010-07-01",89.92],["2010-10-01",88.54],["2011-01-01",88.82],["2011-04-01",88.43],["2011-07-01",87.3],["2011-10-01",86.11],["2012-01-01",85.34],["2012-04-01",84.93],["2012-07-01",83.56],["2012-10-01",83.23],["2013-01-01",81.82],["2013-04-01",80.56],["2013-07-01",80.86],["2013-10-01",81.6],["2014-01-01",82.16],["2014-04-01",81.08],["2014-07-01",81.14],["2014-10-01",81.43],["2015-01-01",81.26],["2015-04-01",80.22],["2015-07-01",80.85],["2015-10-01",80.61],["2016-01-01",81.06],["2016-04-01",80.4],["2016-07-01",79.68],["2016-10-01",79.9],["2017-01-01",80.11],["2017-04-01",80.08],["2017-07-01",79.65],["2017-10-01",79.99],["2018-01-01",79.9],["2018-04-01",79.72],["2018-07-01",80.26],["2018-10-01",79.35],["2019-01-01",79.92],["2019-04-01",80.72],["2019-07-01",80.77],["2019-10-01",80.94],["2020-01-01",81.1],["2020-04-01",80.77],["2020-07-01",80.44],["2020-10-01",80.6],["2021-01-01",80.41],["2021-04-01",80.78],["2021-07-01",80.75],["2021-10-01",80.96],["2022-01-01",81.51],["2022-04-01",81.37],["2022-07-01",82.13],["2022-10-01",83.42],["2023-01-01",84.0],["2023-04-01",83.62],["2023-07-01",83.96],["2023-10-01",84.17],["2024-01-01",84.94],["2024-04-01",85.35],["2024-07-01",84.94],["2024-10-01",85.1],["2025-01-01",85.78],["2025-04-01",86.47],["2025-07-01",86.67],["2025-10-01",86.94],["2026-01-01",86.97],["2026-04-01",86.37]]},"orig_total":{"label":"Originations","unit":"$B","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",968.98],["2003-04-01",1014.55],["2003-07-01",1063.71],["2003-10-01",1028.05],["2004-01-01",656.8],["2004-04-01",710.9],["2004-07-01",786.83],["2004-10-01",671.35],["2005-01-01",659.2],["2005-04-01",632.53],["2005-07-01",761.87],["2005-10-01",799.99],["2006-01-01",675.34],["2006-04-01",729.02],["2006-07-01",719.86],["2006-10-01",641.89],["2007-01-01",751.69],["2007-04-01",648.1],["2007-07-01",701.94],["2007-10-01",514.55],["2008-01-01",453.16],["2008-04-01",557.87],["2008-07-01",393.78],["2008-10-01",301.96],["2009-01-01",397.6],["2009-04-01",516.23],["2009-07-01",511.32],["2009-10-01",392.66],["2010-01-01",379.49],["2010-04-01",365.8],["2010-07-01",389.06],["2010-10-01",463.01],["2011-01-01",497.22],["2011-04-01",351.89],["2011-07-01",292.27],["2011-10-01",404.13],["2012-01-01",411.8],["2012-04-01",461.82],["2012-07-01",520.58],["2012-10-01",552.76],["2013-01-01",576.76],["2013-04-01",578.94],["2013-07-01",548.75],["2013-10-01",451.35],["2014-01-01",331.85],["2014-04-01",285.72],["2014-07-01",336.97],["2014-10-01",354.22],["2015-01-01",368.49],["2015-04-01",465.68],["2015-07-01",489.09],["2015-10-01",436.9],["2016-01-01",388.6],["2016-04-01",426.57],["2016-07-01",477.06],["2016-10-01",616.79],["2017-01-01",491.37],["2017-04-01",421.45],["2017-07-01",479.35],["2017-10-01",451.5],["2018-01-01",427.89],["2018-04-01",437.46],["2018-07-01",445.26],["2018-10-01",401.48],["2019-01-01",344.02],["2019-04-01",474.05],["2019-07-01",528.25],["2019-10-01",751.97],["2020-01-01",661.67],["2020-04-01",846.41],["2020-07-01",1049.25],["2020-10-01",1174.56],["2021-01-01",1138.39],["2021-04-01",1217.8],["2021-07-01",1114.65],["2021-10-01",1035.11],["2022-01-01",858.95],["2022-04-01",758.12],["2022-07-01",632.5],["2022-10-01",497.57],["2023-01-01",323.53],["2023-04-01",393.36],["2023-07-01",386.37],["2023-10-01",393.77],["2024-01-01",402.65],["2024-04-01",374.11],["2024-07-01",448.31],["2024-10-01",465.35],["2025-01-01",425.63],["2025-04-01",458.28],["2025-07-01",512.15],["2025-10-01",524.42],["2026-01-01",529.8],["2026-04-01",504.64]]},"orig_lt620":{"label":"Score <620","unit":"$B","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",72.19],["2003-04-01",71.41],["2003-07-01",78.15],["2003-10-01",90.06],["2004-01-01",79.29],["2004-04-01",87.96],["2004-07-01",96.66],["2004-10-01",88.88],["2005-01-01",84.55],["2005-04-01",87.04],["2005-07-01",83.95],["2005-10-01",87.04],["2006-01-01",87.61],["2006-04-01",100.21],["2006-07-01",95.41],["2006-10-01",92.82],["2007-01-01",114.58],["2007-04-01",83.17],["2007-07-01",81.25],["2007-10-01",53.46],["2008-01-01",45.92],["2008-04-01",45.04],["2008-07-01",34.78],["2008-10-01",29.66],["2009-01-01",31.26],["2009-04-01",25.83],["2009-07-01",24.25],["2009-10-01",22.01],["2010-01-01",24.06],["2010-04-01",16.53],["2010-07-01",17.62],["2010-10-01",18.87],["2011-01-01",13.01],["2011-04-01",11.62],["2011-07-01",12.89],["2011-10-01",15.7],["2012-01-01",13.03],["2012-04-01",10.82],["2012-07-01",15.44],["2012-10-01",16.43],["2013-01-01",16.0],["2013-04-01",18.42],["2013-07-01",16.8],["2013-10-01",16.22],["2014-01-01",16.19],["2014-04-01",11.77],["2014-07-01",16.35],["2014-10-01",14.92],["2015-01-01",14.97],["2015-04-01",16.2],["2015-07-01",15.88],["2015-10-01",21.4],["2016-01-01",15.4],["2016-04-01",14.55],["2016-07-01",15.76],["2016-10-01",22.82],["2017-01-01",17.72],["2017-04-01",15.22],["2017-07-01",18.57],["2017-10-01",20.37],["2018-01-01",14.94],["2018-04-01",16.05],["2018-07-01",14.52],["2018-10-01",15.2],["2019-01-01",14.3],["2019-04-01",18.41],["2019-07-01",18.29],["2019-10-01",26.88],["2020-01-01",19.26],["2020-04-01",16.67],["2020-07-01",17.29],["2020-10-01",20.68],["2021-01-01",15.74],["2021-04-01",19.19],["2021-07-01",23.31],["2021-10-01",22.11],["2022-01-01",19.99],["2022-04-01",21.92],["2022-07-01",19.72],["2022-10-01",14.86],["2023-01-01",11.55],["2023-04-01",13.52],["2023-07-01",14.81],["2023-10-01",14.87],["2024-01-01",12.61],["2024-04-01",14.54],["2024-07-01",15.48],["2024-10-01",18.36],["2025-01-01",20.05],["2025-04-01",19.77],["2025-07-01",18.19],["2025-10-01",25.68],["2026-01-01",13.5],["2026-04-01",14.97]]},"orig_620_659":{"label":"Score 620-659","unit":"$B","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",68.12],["2003-04-01",70.53],["2003-07-01",81.23],["2003-10-01",86.37],["2004-01-01",63.47],["2004-04-01",69.76],["2004-07-01",75.56],["2004-10-01",67.39],["2005-01-01",55.66],["2005-04-01",65.68],["2005-07-01",73.64],["2005-10-01",77.7],["2006-01-01",66.0],["2006-04-01",73.55],["2006-07-01",78.59],["2006-10-01",70.42],["2007-01-01",77.91],["2007-04-01",64.61],["2007-07-01",63.57],["2007-10-01",44.72],["2008-01-01",39.67],["2008-04-01",42.48],["2008-07-01",28.42],["2008-10-01",24.8],["2009-01-01",22.74],["2009-04-01",21.86],["2009-07-01",22.06],["2009-10-01",22.0],["2010-01-01",19.35],["2010-04-01",20.09],["2010-07-01",16.61],["2010-10-01",18.34],["2011-01-01",15.93],["2011-04-01",15.33],["2011-07-01",15.81],["2011-10-01",14.64],["2012-01-01",17.11],["2012-04-01",16.93],["2012-07-01",21.52],["2012-10-01",23.26],["2013-01-01",19.45],["2013-04-01",20.93],["2013-07-01",24.73],["2013-10-01",18.85],["2014-01-01",21.03],["2014-04-01",15.49],["2014-07-01",15.24],["2014-10-01",22.03],["2015-01-01",13.93],["2015-04-01",21.7],["2015-07-01",23.64],["2015-10-01",24.0],["2016-01-01",17.9],["2016-04-01",24.66],["2016-07-01",23.48],["2016-10-01",27.97],["2017-01-01",22.75],["2017-04-01",22.79],["2017-07-01",23.89],["2017-10-01",23.68],["2018-01-01",20.95],["2018-04-01",21.07],["2018-07-01",23.82],["2018-10-01",23.88],["2019-01-01",19.24],["2019-04-01",26.94],["2019-07-01",23.57],["2019-10-01",28.51],["2020-01-01",24.05],["2020-04-01",26.64],["2020-07-01",28.46],["2020-10-01",32.38],["2021-01-01",29.15],["2021-04-01",34.71],["2021-07-01",33.54],["2021-10-01",36.4],["2022-01-01",27.36],["2022-04-01",28.21],["2022-07-01",28.03],["2022-10-01",25.72],["2023-01-01",15.66],["2023-04-01",18.42],["2023-07-01",14.51],["2023-10-01",14.05],["2024-01-01",14.3],["2024-04-01",16.11],["2024-07-01",18.39],["2024-10-01",18.63],["2025-01-01",19.52],["2025-04-01",17.82],["2025-07-01",21.55],["2025-10-01",21.09],["2026-01-01",28.15],["2026-04-01",28.22]]},"orig_660_719":{"label":"Score 660-719","unit":"$B","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",188.33],["2003-04-01",203.73],["2003-07-01",215.7],["2003-10-01",212.36],["2004-01-01",150.0],["2004-04-01",169.62],["2004-07-01",175.58],["2004-10-01",158.89],["2005-01-01",150.98],["2005-04-01",140.88],["2005-07-01",184.63],["2005-10-01",184.83],["2006-01-01",145.72],["2006-04-01",172.34],["2006-07-01",165.51],["2006-10-01",137.7],["2007-01-01",169.93],["2007-04-01",130.47],["2007-07-01",146.41],["2007-10-01",105.11],["2008-01-01",88.48],["2008-04-01",98.24],["2008-07-01",70.55],["2008-10-01",52.44],["2009-01-01",60.86],["2009-04-01",64.46],["2009-07-01",70.25],["2009-10-01",57.67],["2010-01-01",53.11],["2010-04-01",52.43],["2010-07-01",60.0],["2010-10-01",47.6],["2011-01-01",47.96],["2011-04-01",41.58],["2011-07-01",41.03],["2011-10-01",48.37],["2012-01-01",45.91],["2012-04-01",53.17],["2012-07-01",60.07],["2012-10-01",71.72],["2013-01-01",68.38],["2013-04-01",77.09],["2013-07-01",78.65],["2013-10-01",65.7],["2014-01-01",50.64],["2014-04-01",49.34],["2014-07-01",61.08],["2014-10-01",62.41],["2015-01-01",60.19],["2015-04-01",73.47],["2015-07-01",73.35],["2015-10-01",77.4],["2016-01-01",64.4],["2016-04-01",71.09],["2016-07-01",78.57],["2016-10-01",100.6],["2017-01-01",74.15],["2017-04-01",73.02],["2017-07-01",84.0],["2017-10-01",74.87],["2018-01-01",66.88],["2018-04-01",71.7],["2018-07-01",73.77],["2018-10-01",68.17],["2019-01-01",55.57],["2019-04-01",70.71],["2019-07-01",78.2],["2019-10-01",98.38],["2020-01-01",83.96],["2020-04-01",94.2],["2020-07-01",106.8],["2020-10-01",124.9],["2021-01-01",110.7],["2021-04-01",127.8],["2021-07-01",130.4],["2021-10-01",132.3],["2022-01-01",112.3],["2022-04-01",94.69],["2022-07-01",88.25],["2022-10-01",68.55],["2023-01-01",42.63],["2023-04-01",57.83],["2023-07-01",60.7],["2023-10-01",53.19],["2024-01-01",46.26],["2024-04-01",47.75],["2024-07-01",51.87],["2024-10-01",57.9],["2025-01-01",50.04],["2025-04-01",53.39],["2025-07-01",58.15],["2025-10-01",64.17],["2026-01-01",85.84],["2026-04-01",72.55]]},"orig_720_759":{"label":"Score 720-759","unit":"$B","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",336.1],["2003-04-01",352.85],["2003-07-01",363.92],["2003-10-01",349.56],["2004-01-01",213.45],["2004-04-01",216.33],["2004-07-01",246.98],["2004-10-01",209.93],["2005-01-01",199.03],["2005-04-01",184.27],["2005-07-01",228.94],["2005-10-01",238.86],["2006-01-01",213.19],["2006-04-01",220.4],["2006-07-01",203.81],["2006-10-01",191.52],["2007-01-01",209.97],["2007-04-01",192.46],["2007-07-01",212.07],["2007-10-01",148.91],["2008-01-01",139.96],["2008-04-01",157.14],["2008-07-01",118.8],["2008-10-01",82.77],["2009-01-01",109.99],["2009-04-01",140.17],["2009-07-01",137.89],["2009-10-01",113.64],["2010-01-01",100.67],["2010-04-01",100.62],["2010-07-01",115.65],["2010-10-01",122.86],["2011-01-01",134.53],["2011-04-01",97.42],["2011-07-01",93.55],["2011-10-01",106.39],["2012-01-01",100.25],["2012-04-01",128.98],["2012-07-01",145.03],["2012-10-01",155.58],["2013-01-01",140.57],["2013-04-01",158.75],["2013-07-01",149.93],["2013-10-01",134.57],["2014-01-01",92.05],["2014-04-01",77.02],["2014-07-01",100.72],["2014-10-01",100.64],["2015-01-01",97.45],["2015-04-01",122.05],["2015-07-01",88.52],["2015-10-01",70.8],["2016-01-01",65.2],["2016-04-01",76.17],["2016-07-01",76.35],["2016-10-01",105.2],["2017-01-01",77.65],["2017-04-01",81.02],["2017-07-01",78.89],["2017-10-01",76.28],["2018-01-01",76.42],["2018-04-01",73.94],["2018-07-01",79.55],["2018-10-01",61.93],["2019-01-01",61.21],["2019-04-01",78.19],["2019-07-01",86.29],["2019-10-01",119.6],["2020-01-01",109.1],["2020-04-01",120.6],["2020-07-01",142.4],["2020-10-01",158.6],["2021-01-01",151.7],["2021-04-01",167.8],["2021-07-01",158.4],["2021-10-01",150.3],["2022-01-01",117.4],["2022-04-01",118.5],["2022-07-01",103.3],["2022-10-01",79.94],["2023-01-01",57.29],["2023-04-01",60.99],["2023-07-01",55.65],["2023-10-01",63.76],["2024-01-01",45.68],["2024-04-01",59.71],["2024-07-01",67.67],["2024-10-01",65.76],["2025-01-01",58.72],["2025-04-01",62.2],["2025-07-01",76.46],["2025-10-01",71.08],["2026-01-01",90.11],["2026-04-01",98.5]]},"orig_760plus":{"label":"Score 760+","unit":"$B","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",304.24],["2003-04-01",316.03],["2003-07-01",324.71],["2003-10-01",289.7],["2004-01-01",150.59],["2004-04-01",167.23],["2004-07-01",192.05],["2004-10-01",146.26],["2005-01-01",168.98],["2005-04-01",154.66],["2005-07-01",190.71],["2005-10-01",211.56],["2006-01-01",162.82],["2006-04-01",162.52],["2006-07-01",176.54],["2006-10-01",149.43],["2007-01-01",179.3],["2007-04-01",177.39],["2007-07-01",198.64],["2007-10-01",162.35],["2008-01-01",139.13],["2008-04-01",214.97],["2008-07-01",141.23],["2008-10-01",112.29],["2009-01-01",172.75],["2009-04-01",263.91],["2009-07-01",256.87],["2009-10-01",177.34],["2010-01-01",182.3],["2010-04-01",176.13],["2010-07-01",179.18],["2010-10-01",255.34],["2011-01-01",285.79],["2011-04-01",185.94],["2011-07-01",128.99],["2011-10-01",219.03],["2012-01-01",235.5],["2012-04-01",251.92],["2012-07-01",278.52],["2012-10-01",285.77],["2013-01-01",332.36],["2013-04-01",303.75],["2013-07-01",278.64],["2013-10-01",216.01],["2014-01-01",151.94],["2014-04-01",132.1],["2014-07-01",143.58],["2014-10-01",154.22],["2015-01-01",181.95],["2015-04-01",232.26],["2015-07-01",287.7],["2015-10-01",243.3],["2016-01-01",225.7],["2016-04-01",240.1],["2016-07-01",282.9],["2016-10-01",360.2],["2017-01-01",299.1],["2017-04-01",229.4],["2017-07-01",274.0],["2017-10-01",256.3],["2018-01-01",248.7],["2018-04-01",254.7],["2018-07-01",253.6],["2018-10-01",232.3],["2019-01-01",193.7],["2019-04-01",279.8],["2019-07-01",321.9],["2019-10-01",478.6],["2020-01-01",425.3],["2020-04-01",588.3],["2020-07-01",754.3],["2020-10-01",838.0],["2021-01-01",831.1],["2021-04-01",868.3],["2021-07-01",769.0],["2021-10-01",694.0],["2022-01-01",581.9],["2022-04-01",494.8],["2022-07-01",393.2],["2022-10-01",308.5],["2023-01-01",196.4],["2023-04-01",242.6],["2023-07-01",240.7],["2023-10-01",247.9],["2024-01-01",283.8],["2024-04-01",236.0],["2024-07-01",294.9],["2024-10-01",304.7],["2025-01-01",277.3],["2025-04-01",305.1],["2025-07-01",337.8],["2025-10-01",342.4],["2026-01-01",312.2],["2026-04-01",290.4]]},"orig_subprime":{"label":"Share of originations to scores below 620","unit":"%","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",7.45],["2003-04-01",7.039],["2003-07-01",7.347],["2003-10-01",8.76],["2004-01-01",12.072],["2004-04-01",12.373],["2004-07-01",12.285],["2004-10-01",13.239],["2005-01-01",12.826],["2005-04-01",13.761],["2005-07-01",11.019],["2005-10-01",10.88],["2006-01-01",12.973],["2006-04-01",13.746],["2006-07-01",13.254],["2006-10-01",14.46],["2007-01-01",15.243],["2007-04-01",12.833],["2007-07-01",11.575],["2007-10-01",10.39],["2008-01-01",10.133],["2008-04-01",8.074],["2008-07-01",8.832],["2008-10-01",9.822],["2009-01-01",7.862],["2009-04-01",5.004],["2009-07-01",4.743],["2009-10-01",5.605],["2010-01-01",6.34],["2010-04-01",4.519],["2010-07-01",4.529],["2010-10-01",4.076],["2011-01-01",2.617],["2011-04-01",3.302],["2011-07-01",4.41],["2011-10-01",3.885],["2012-01-01",3.164],["2012-04-01",2.343],["2012-07-01",2.966],["2012-10-01",2.972],["2013-01-01",2.774],["2013-04-01",3.182],["2013-07-01",3.062],["2013-10-01",3.594],["2014-01-01",4.879],["2014-04-01",4.119],["2014-07-01",4.852],["2014-10-01",4.212],["2015-01-01",4.063],["2015-04-01",3.479],["2015-07-01",3.247],["2015-10-01",4.898],["2016-01-01",3.963],["2016-04-01",3.411],["2016-07-01",3.304],["2016-10-01",3.7],["2017-01-01",3.606],["2017-04-01",3.611],["2017-07-01",3.874],["2017-10-01",4.512],["2018-01-01",3.492],["2018-04-01",3.669],["2018-07-01",3.261],["2018-10-01",3.786],["2019-01-01",4.157],["2019-04-01",3.884],["2019-07-01",3.462],["2019-10-01",3.575],["2020-01-01",2.911],["2020-04-01",1.969],["2020-07-01",1.648],["2020-10-01",1.761],["2021-01-01",1.383],["2021-04-01",1.576],["2021-07-01",2.091],["2021-10-01",2.136],["2022-01-01",2.327],["2022-04-01",2.891],["2022-07-01",3.118],["2022-10-01",2.987],["2023-01-01",3.57],["2023-04-01",3.437],["2023-07-01",3.833],["2023-10-01",3.776],["2024-01-01",3.132],["2024-04-01",3.887],["2024-07-01",3.453],["2024-10-01",3.945],["2025-01-01",4.711],["2025-04-01",4.314],["2025-07-01",3.552],["2025-10-01",4.897],["2026-01-01",2.548],["2026-04-01",2.966]]},"orig_nearprime":{"label":"Share of originations to scores below 660","unit":"%","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",14.48],["2003-04-01",13.99],["2003-07-01",14.983],["2003-10-01",17.162],["2004-01-01",21.736],["2004-04-01",22.186],["2004-07-01",21.888],["2004-10-01",23.277],["2005-01-01",21.27],["2005-04-01",24.144],["2005-07-01",20.685],["2005-10-01",20.593],["2006-01-01",22.746],["2006-04-01",23.835],["2006-07-01",24.171],["2006-10-01",25.431],["2007-01-01",25.608],["2007-04-01",22.802],["2007-07-01",20.631],["2007-10-01",19.081],["2008-01-01",18.887],["2008-04-01",15.688],["2008-07-01",16.05],["2008-10-01",18.036],["2009-01-01",13.581],["2009-04-01",9.238],["2009-07-01",9.057],["2009-10-01",11.208],["2010-01-01",11.439],["2010-04-01",10.011],["2010-07-01",8.798],["2010-10-01",8.037],["2011-01-01",5.82],["2011-04-01",7.659],["2011-07-01",9.82],["2011-10-01",7.507],["2012-01-01",7.319],["2012-04-01",6.009],["2012-07-01",7.1],["2012-10-01",7.18],["2013-01-01",6.146],["2013-04-01",6.797],["2013-07-01",7.568],["2013-10-01",7.77],["2014-01-01",11.216],["2014-04-01",9.541],["2014-07-01",9.375],["2014-10-01",10.431],["2015-01-01",7.843],["2015-04-01",8.139],["2015-07-01",8.08],["2015-10-01",10.391],["2016-01-01",8.569],["2016-04-01",9.192],["2016-07-01",8.225],["2016-10-01",8.235],["2017-01-01",8.236],["2017-04-01",9.019],["2017-07-01",8.858],["2017-10-01",9.756],["2018-01-01",8.388],["2018-04-01",8.485],["2018-07-01",8.611],["2018-10-01",9.734],["2019-01-01",9.749],["2019-04-01",9.567],["2019-07-01",7.924],["2019-10-01",7.366],["2020-01-01",6.546],["2020-04-01",5.117],["2020-07-01",4.36],["2020-10-01",4.517],["2021-01-01",3.943],["2021-04-01",4.426],["2021-07-01",5.1],["2021-10-01",5.653],["2022-01-01",5.513],["2022-04-01",6.612],["2022-07-01",7.549],["2022-10-01",8.156],["2023-01-01",8.41],["2023-04-01",8.12],["2023-07-01",7.589],["2023-10-01",7.344],["2024-01-01",6.683],["2024-04-01",8.193],["2024-07-01",7.555],["2024-10-01",7.949],["2025-01-01",9.297],["2025-04-01",8.202],["2025-07-01",7.759],["2025-10-01",8.918],["2026-01-01",7.861],["2026-04-01",8.559]]},"score_median":{"label":"Median credit score at origination","unit":"","source":"New York Fed Consumer Credit Panel/Equifax","data":[["1999-04-01",721.0],["1999-07-01",723.0],["1999-10-01",718.0],["2000-01-01",704.0],["2000-04-01",698.0],["2000-07-01",703.0],["2000-10-01",715.0],["2001-01-01",712.0],["2001-04-01",719.0],["2001-07-01",725.0],["2001-10-01",724.0],["2002-01-01",730.0],["2002-04-01",730.0],["2002-07-01",728.0],["2002-10-01",731.0],["2003-01-01",743.0],["2003-04-01",743.0],["2003-07-01",743.0],["2003-10-01",736.0],["2004-01-01",721.0],["2004-04-01",718.0],["2004-07-01",718.0],["2004-10-01",715.0],["2005-01-01",723.0],["2005-04-01",714.0],["2005-07-01",716.0],["2005-10-01",720.0],["2006-01-01",717.0],["2006-04-01",713.0],["2006-07-01",713.0],["2006-10-01",707.0],["2007-01-01",712.0],["2007-04-01",721.0],["2007-07-01",725.0],["2007-10-01",726.0],["2008-01-01",731.0],["2008-04-01",745.0],["2008-07-01",741.0],["2008-10-01",741.0],["2009-01-01",763.0],["2009-04-01",773.0],["2009-07-01",771.0],["2009-10-01",759.0],["2010-01-01",761.0],["2010-04-01",766.0],["2010-07-01",767.0],["2010-10-01",779.0],["2011-01-01",781.0],["2011-04-01",774.0],["2011-07-01",763.0],["2011-10-01",776.0],["2012-01-01",781.0],["2012-04-01",779.0],["2012-07-01",775.0],["2012-10-01",773.0],["2013-01-01",780.0],["2013-04-01",773.0],["2013-07-01",769.0],["2013-10-01",765.0],["2014-01-01",756.0],["2014-04-01",759.0],["2014-07-01",753.0],["2014-10-01",751.0],["2015-01-01",764.0],["2015-04-01",764.0],["2015-07-01",758.0],["2015-10-01",753.0],["2016-01-01",759.0],["2016-04-01",756.0],["2016-07-01",760.0],["2016-10-01",763.0],["2017-01-01",764.0],["2017-04-01",754.0],["2017-07-01",760.0],["2017-10-01",755.0],["2018-01-01",761.0],["2018-04-01",760.0],["2018-07-01",758.0],["2018-10-01",758.0],["2019-01-01",759.0],["2019-04-01",759.0],["2019-07-01",765.0],["2019-10-01",770.0],["2020-01-01",773.0],["2020-04-01",784.0],["2020-07-01",786.0],["2020-10-01",786.0],["2021-01-01",788.0],["2021-04-01",786.0],["2021-07-01",781.0],["2021-10-01",778.0],["2022-01-01",776.0],["2022-04-01",773.0],["2022-07-01",768.0],["2022-10-01",766.0],["2023-01-01",765.0],["2023-04-01",769.0],["2023-07-01",770.0],["2023-10-01",770.0],["2024-01-01",770.0],["2024-04-01",772.0],["2024-07-01",773.0],["2024-10-01",774.0],["2025-01-01",772.0],["2025-04-01",777.0],["2025-07-01",775.0],["2025-10-01",775.0],["2026-01-01",762.0],["2026-04-01",764.0]]},"score_p25":{"label":"25th percentile","unit":"","source":"New York Fed Consumer Credit Panel/Equifax","data":[["1999-04-01",658.0],["1999-07-01",657.0],["1999-10-01",648.0],["2000-01-01",631.0],["2000-04-01",629.0],["2000-07-01",629.0],["2000-10-01",645.0],["2001-01-01",641.0],["2001-04-01",651.0],["2001-07-01",666.0],["2001-10-01",660.0],["2002-01-01",667.0],["2002-04-01",666.0],["2002-07-01",663.0],["2002-10-01",670.0],["2003-01-01",683.0],["2003-04-01",685.0],["2003-07-01",684.0],["2003-10-01",674.0],["2004-01-01",656.0],["2004-04-01",654.0],["2004-07-01",652.0],["2004-10-01",651.0],["2005-01-01",659.0],["2005-04-01",647.0],["2005-07-01",654.0],["2005-10-01",656.0],["2006-01-01",648.0],["2006-04-01",644.0],["2006-07-01",647.0],["2006-10-01",639.0],["2007-01-01",641.0],["2007-04-01",649.0],["2007-07-01",657.0],["2007-10-01",660.0],["2008-01-01",664.0],["2008-04-01",677.0],["2008-07-01",674.0],["2008-10-01",668.0],["2009-01-01",695.0],["2009-04-01",717.0],["2009-07-01",713.0],["2009-10-01",700.0],["2010-01-01",697.0],["2010-04-01",706.0],["2010-07-01",705.0],["2010-10-01",727.0],["2011-01-01",735.0],["2011-04-01",725.0],["2011-07-01",707.0],["2011-10-01",722.0],["2012-01-01",726.0],["2012-04-01",729.0],["2012-07-01",723.0],["2012-10-01",720.0],["2013-01-01",726.0],["2013-04-01",719.0],["2013-07-01",712.0],["2013-10-01",709.0],["2014-01-01",695.5],["2014-04-01",699.0],["2014-07-01",697.0],["2014-10-01",692.0],["2015-01-01",705.0],["2015-04-01",704.0],["2015-07-01",703.0],["2015-10-01",694.0],["2016-01-01",705.0],["2016-04-01",699.0],["2016-07-01",705.0],["2016-10-01",705.0],["2017-01-01",707.0],["2017-04-01",700.0],["2017-07-01",702.0],["2017-10-01",697.0],["2018-01-01",705.0],["2018-04-01",706.0],["2018-07-01",698.0],["2018-10-01",698.0],["2019-01-01",703.0],["2019-04-01",701.0],["2019-07-01",710.0],["2019-10-01",716.0],["2020-01-01",721.0],["2020-04-01",732.0],["2020-07-01",740.0],["2020-10-01",737.0],["2021-01-01",742.0],["2021-04-01",738.0],["2021-07-01",729.0],["2021-10-01",725.0],["2022-01-01",723.0],["2022-04-01",720.0],["2022-07-01",709.0],["2022-10-01",708.0],["2023-01-01",714.0],["2023-04-01",712.0],["2023-07-01",712.0],["2023-10-01",717.0],["2024-01-01",713.0],["2024-04-01",715.0],["2024-07-01",720.0],["2024-10-01",716.0],["2025-01-01",713.0],["2025-04-01",724.0],["2025-07-01",721.0],["2025-10-01",716.0],["2026-01-01",710.0],["2026-04-01",715.0]]},"score_p10":{"label":"10th percentile","unit":"","source":"New York Fed Consumer Credit Panel/Equifax","data":[["1999-04-01",597.0],["1999-07-01",595.0],["1999-10-01",583.0],["2000-01-01",567.0],["2000-04-01",568.0],["2000-07-01",568.0],["2000-10-01",574.0],["2001-01-01",569.0],["2001-04-01",583.0],["2001-07-01",600.0],["2001-10-01",594.0],["2002-01-01",601.0],["2002-04-01",604.0],["2002-07-01",597.0],["2002-10-01",603.0],["2003-01-01",621.0],["2003-04-01",624.0],["2003-07-01",624.0],["2003-10-01",614.0],["2004-01-01",593.0],["2004-04-01",592.0],["2004-07-01",589.0],["2004-10-01",588.0],["2005-01-01",590.0],["2005-04-01",586.0],["2005-07-01",591.0],["2005-10-01",597.0],["2006-01-01",587.0],["2006-04-01",586.0],["2006-07-01",586.0],["2006-10-01",578.0],["2007-01-01",576.0],["2007-04-01",589.0],["2007-07-01",592.0],["2007-10-01",596.5],["2008-01-01",601.0],["2008-04-01",612.0],["2008-07-01",608.0],["2008-10-01",607.0],["2009-01-01",619.0],["2009-04-01",649.0],["2009-07-01",647.0],["2009-10-01",638.0],["2010-01-01",630.0],["2010-04-01",645.0],["2010-07-01",650.0],["2010-10-01",658.0],["2011-01-01",675.0],["2011-04-01",661.0],["2011-07-01",649.0],["2011-10-01",657.5],["2012-01-01",673.0],["2012-04-01",670.0],["2012-07-01",663.0],["2012-10-01",663.0],["2013-01-01",668.0],["2013-04-01",660.0],["2013-07-01",658.0],["2013-10-01",658.0],["2014-01-01",643.0],["2014-04-01",651.0],["2014-07-01",645.0],["2014-10-01",640.0],["2015-01-01",654.0],["2015-04-01",653.0],["2015-07-01",649.0],["2015-10-01",642.0],["2016-01-01",653.0],["2016-04-01",649.0],["2016-07-01",654.0],["2016-10-01",655.0],["2017-01-01",657.0],["2017-04-01",648.0],["2017-07-01",654.0],["2017-10-01",645.0],["2018-01-01",655.0],["2018-04-01",651.0],["2018-07-01",654.0],["2018-10-01",649.0],["2019-01-01",647.0],["2019-04-01",651.0],["2019-07-01",656.0],["2019-10-01",661.0],["2020-01-01",666.0],["2020-04-01",676.0],["2020-07-01",683.0],["2020-10-01",687.0],["2021-01-01",688.0],["2021-04-01",687.0],["2021-07-01",677.0],["2021-10-01",671.0],["2022-01-01",674.0],["2022-04-01",664.0],["2022-07-01",660.0],["2022-10-01",653.0],["2023-01-01",655.0],["2023-04-01",654.0],["2023-07-01",664.0],["2023-10-01",659.0],["2024-01-01",664.0],["2024-04-01",657.0],["2024-07-01",661.0],["2024-10-01",655.0],["2025-01-01",650.0],["2025-04-01",663.0],["2025-07-01",660.0],["2025-10-01",650.0],["2026-01-01",662.0],["2026-04-01",659.0]]},"orig_age_18_29":{"label":"Ages 18\u201329","unit":"$B","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",30.04],["2000-04-01",28.01],["2000-07-01",35.61],["2000-10-01",36.41],["2001-01-01",34.48],["2001-04-01",30.93],["2001-07-01",48.56],["2001-10-01",46.31],["2002-01-01",51.59],["2002-04-01",45.18],["2002-07-01",51.38],["2002-10-01",56.24],["2003-01-01",60.22],["2003-04-01",61.78],["2003-07-01",79.7],["2003-10-01",79.11],["2004-01-01",49.16],["2004-04-01",60.34],["2004-07-01",77.03],["2004-10-01",78.29],["2005-01-01",56.68],["2005-04-01",60.31],["2005-07-01",79.54],["2005-10-01",79.86],["2006-01-01",59.89],["2006-04-01",67.64],["2006-07-01",72.36],["2006-10-01",65.47],["2007-01-01",66.34],["2007-04-01",55.48],["2007-07-01",73.38],["2007-10-01",52.12],["2008-01-01",42.69],["2008-04-01",48.76],["2008-07-01",39.32],["2008-10-01",36.72],["2009-01-01",31.42],["2009-04-01",36.33],["2009-07-01",41.34],["2009-10-01",40.31],["2010-01-01",36.53],["2010-04-01",30.76],["2010-07-01",34.9],["2010-10-01",30.68],["2011-01-01",22.76],["2011-04-01",19.32],["2011-07-01",23.93],["2011-10-01",22.94],["2012-01-01",19.77],["2012-04-01",21.71],["2012-07-01",30.11],["2012-10-01",37.23],["2013-01-01",25.0],["2013-04-01",31.75],["2013-07-01",34.15],["2013-10-01",32.26],["2014-01-01",24.19],["2014-04-01",23.56],["2014-07-01",26.7],["2014-10-01",31.05],["2015-01-01",22.56],["2015-04-01",34.55],["2015-07-01",41.49],["2015-10-01",40.11],["2016-01-01",25.33],["2016-04-01",32.06],["2016-07-01",43.22],["2016-10-01",50.04],["2017-01-01",33.09],["2017-04-01",36.38],["2017-07-01",48.12],["2017-10-01",45.09],["2018-01-01",29.06],["2018-04-01",37.4],["2018-07-01",47.03],["2018-10-01",36.14],["2019-01-01",29.7],["2019-04-01",43.65],["2019-07-01",45.56],["2019-10-01",65.84],["2020-01-01",49.06],["2020-04-01",59.07],["2020-07-01",85.43],["2020-10-01",83.93],["2021-01-01",68.56],["2021-04-01",77.59],["2021-07-01",87.38],["2021-10-01",80.36],["2022-01-01",55.24],["2022-04-01",60.85],["2022-07-01",70.7],["2022-10-01",61.43],["2023-01-01",41.07],["2023-04-01",49.65],["2023-07-01",48.67],["2023-10-01",51.36],["2024-01-01",38.36],["2024-04-01",40.92],["2024-07-01",49.15],["2024-10-01",58.19],["2025-01-01",43.26],["2025-04-01",45.28],["2025-07-01",51.1],["2025-10-01",57.42],["2026-01-01",49.84],["2026-04-01",48.71]]},"orig_age_30_39":{"label":"Ages 30\u201339","unit":"$B","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",90.64],["2000-04-01",76.11],["2000-07-01",95.79],["2000-10-01",96.24],["2001-01-01",103.7],["2001-04-01",100.3],["2001-07-01",155.0],["2001-10-01",149.9],["2002-01-01",204.3],["2002-04-01",165.9],["2002-07-01",185.4],["2002-10-01",211.9],["2003-01-01",271.9],["2003-04-01",278.0],["2003-07-01",295.6],["2003-10-01",309.0],["2004-01-01",176.6],["2004-04-01",201.7],["2004-07-01",230.9],["2004-10-01",194.8],["2005-01-01",182.4],["2005-04-01",187.0],["2005-07-01",221.4],["2005-10-01",230.1],["2006-01-01",182.8],["2006-04-01",192.1],["2006-07-01",207.5],["2006-10-01",188.0],["2007-01-01",207.2],["2007-04-01",170.9],["2007-07-01",196.6],["2007-10-01",131.9],["2008-01-01",115.6],["2008-04-01",149.9],["2008-07-01",110.1],["2008-10-01",87.57],["2009-01-01",96.02],["2009-04-01",128.3],["2009-07-01",131.3],["2009-10-01",98.21],["2010-01-01",97.92],["2010-04-01",92.47],["2010-07-01",99.76],["2010-10-01",110.9],["2011-01-01",110.7],["2011-04-01",81.21],["2011-07-01",62.5],["2011-10-01",98.99],["2012-01-01",90.08],["2012-04-01",98.83],["2012-07-01",116.1],["2012-10-01",136.4],["2013-01-01",126.7],["2013-04-01",125.1],["2013-07-01",122.7],["2013-10-01",106.8],["2014-01-01",82.56],["2014-04-01",72.71],["2014-07-01",93.24],["2014-10-01",97.57],["2015-01-01",95.03],["2015-04-01",121.7],["2015-07-01",135.7],["2015-10-01",117.2],["2016-01-01",95.94],["2016-04-01",113.1],["2016-07-01",132.1],["2016-10-01",163.7],["2017-01-01",132.9],["2017-04-01",111.1],["2017-07-01",134.7],["2017-10-01",129.6],["2018-01-01",101.9],["2018-04-01",120.7],["2018-07-01",124.8],["2018-10-01",115.0],["2019-01-01",99.39],["2019-04-01",130.1],["2019-07-01",156.8],["2019-10-01",210.1],["2020-01-01",170.5],["2020-04-01",238.6],["2020-07-01",297.8],["2020-10-01",332.1],["2021-01-01",291.7],["2021-04-01",295.9],["2021-07-01",289.5],["2021-10-01",283.7],["2022-01-01",208.9],["2022-04-01",202.4],["2022-07-01",193.6],["2022-10-01",154.5],["2023-01-01",85.36],["2023-04-01",121.1],["2023-07-01",119.7],["2023-10-01",122.0],["2024-01-01",111.4],["2024-04-01",119.1],["2024-07-01",140.9],["2024-10-01",147.3],["2025-01-01",123.7],["2025-04-01",137.2],["2025-07-01",173.2],["2025-10-01",158.5],["2026-01-01",156.3],["2026-04-01",157.1]]},"orig_age_40_49":{"label":"Ages 40\u201349","unit":"$B","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",91.27],["2000-04-01",67.2],["2000-07-01",83.21],["2000-10-01",92.77],["2001-01-01",101.8],["2001-04-01",98.05],["2001-07-01",155.7],["2001-10-01",144.3],["2002-01-01",209.1],["2002-04-01",160.0],["2002-07-01",192.1],["2002-10-01",215.3],["2003-01-01",310.9],["2003-04-01",332.4],["2003-07-01",334.0],["2003-10-01",322.9],["2004-01-01",204.7],["2004-04-01",215.6],["2004-07-01",238.4],["2004-10-01",201.3],["2005-01-01",203.7],["2005-04-01",186.0],["2005-07-01",227.0],["2005-10-01",251.8],["2006-01-01",218.0],["2006-04-01",212.0],["2006-07-01",213.1],["2006-10-01",186.9],["2007-01-01",219.9],["2007-04-01",186.8],["2007-07-01",201.8],["2007-10-01",142.1],["2008-01-01",129.6],["2008-04-01",159.0],["2008-07-01",109.6],["2008-10-01",76.55],["2009-01-01",122.5],["2009-04-01",165.3],["2009-07-01",155.6],["2009-10-01",111.1],["2010-01-01",108.4],["2010-04-01",96.64],["2010-07-01",115.4],["2010-10-01",140.3],["2011-01-01",165.3],["2011-04-01",104.9],["2011-07-01",89.54],["2011-10-01",125.5],["2012-01-01",126.6],["2012-04-01",139.4],["2012-07-01",156.0],["2012-10-01",168.2],["2013-01-01",171.2],["2013-04-01",166.5],["2013-07-01",158.9],["2013-10-01",126.6],["2014-01-01",92.3],["2014-04-01",79.63],["2014-07-01",92.14],["2014-10-01",96.8],["2015-01-01",106.1],["2015-04-01",134.4],["2015-07-01",141.2],["2015-10-01",113.2],["2016-01-01",102.7],["2016-04-01",123.2],["2016-07-01",133.3],["2016-10-01",178.3],["2017-01-01",123.0],["2017-04-01",112.2],["2017-07-01",124.2],["2017-10-01",115.7],["2018-01-01",128.8],["2018-04-01",109.1],["2018-07-01",110.8],["2018-10-01",111.3],["2019-01-01",85.49],["2019-04-01",119.8],["2019-07-01",142.5],["2019-10-01",208.5],["2020-01-01",185.8],["2020-04-01",229.3],["2020-07-01",290.3],["2020-10-01",310.9],["2021-01-01",324.7],["2021-04-01",336.4],["2021-07-01",300.7],["2021-10-01",273.6],["2022-01-01",239.2],["2022-04-01",209.4],["2022-07-01",163.8],["2022-10-01",120.5],["2023-01-01",87.78],["2023-04-01",87.62],["2023-07-01",101.0],["2023-10-01",96.57],["2024-01-01",110.9],["2024-04-01",86.33],["2024-07-01",103.5],["2024-10-01",105.6],["2025-01-01",110.5],["2025-04-01",114.4],["2025-07-01",117.5],["2025-10-01",130.3],["2026-01-01",128.5],["2026-04-01",133.9]]},"orig_age_50_59":{"label":"Ages 50\u201359","unit":"$B","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",59.57],["2000-04-01",46.07],["2000-07-01",50.19],["2000-10-01",48.08],["2001-01-01",64.16],["2001-04-01",63.82],["2001-07-01",91.32],["2001-10-01",92.12],["2002-01-01",135.1],["2002-04-01",105.2],["2002-07-01",112.4],["2002-10-01",122.5],["2003-01-01",208.4],["2003-04-01",220.6],["2003-07-01",217.6],["2003-10-01",194.2],["2004-01-01",136.8],["2004-04-01",138.3],["2004-07-01",149.8],["2004-10-01",121.4],["2005-01-01",137.8],["2005-04-01",130.8],["2005-07-01",153.5],["2005-10-01",159.9],["2006-01-01",132.3],["2006-04-01",151.9],["2006-07-01",136.9],["2006-10-01",127.8],["2007-01-01",161.5],["2007-04-01",150.3],["2007-07-01",146.8],["2007-10-01",119.9],["2008-01-01",100.7],["2008-04-01",122.3],["2008-07-01",75.65],["2008-10-01",64.53],["2009-01-01",84.22],["2009-04-01",115.3],["2009-07-01",114.8],["2009-10-01",79.71],["2010-01-01",80.2],["2010-04-01",83.43],["2010-07-01",83.06],["2010-10-01",108.5],["2011-01-01",116.7],["2011-04-01",84.75],["2011-07-01",62.61],["2011-10-01",89.04],["2012-01-01",97.15],["2012-04-01",111.1],["2012-07-01",121.2],["2012-10-01",128.7],["2013-01-01",148.0],["2013-04-01",134.8],["2013-07-01",128.1],["2013-10-01",107.0],["2014-01-01",77.58],["2014-04-01",60.59],["2014-07-01",71.13],["2014-10-01",71.98],["2015-01-01",70.61],["2015-04-01",102.5],["2015-07-01",109.3],["2015-10-01",98.28],["2016-01-01",91.98],["2016-04-01",88.5],["2016-07-01",93.54],["2016-10-01",120.9],["2017-01-01",118.3],["2017-04-01",89.97],["2017-07-01",93.19],["2017-10-01",85.75],["2018-01-01",84.51],["2018-04-01",90.66],["2018-07-01",88.18],["2018-10-01",72.09],["2019-01-01",67.91],["2019-04-01",96.51],["2019-07-01",96.92],["2019-10-01",143.8],["2020-01-01",138.4],["2020-04-01",176.5],["2020-07-01",220.7],["2020-10-01",250.9],["2021-01-01",234.0],["2021-04-01",264.5],["2021-07-01",244.2],["2021-10-01",216.8],["2022-01-01",185.5],["2022-04-01",153.8],["2022-07-01",97.92],["2022-10-01",85.61],["2023-01-01",58.11],["2023-04-01",75.35],["2023-07-01",58.57],["2023-10-01",67.54],["2024-01-01",74.24],["2024-04-01",62.9],["2024-07-01",84.6],["2024-10-01",89.7],["2025-01-01",79.79],["2025-04-01",82.34],["2025-07-01",97.88],["2025-10-01",96.14],["2026-01-01",103.7],["2026-04-01",78.35]]},"orig_age_60_69":{"label":"Ages 60\u201369","unit":"$B","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",22.73],["2000-04-01",12.5],["2000-07-01",20.45],["2000-10-01",15.66],["2001-01-01",21.08],["2001-04-01",21.59],["2001-07-01",32.36],["2001-10-01",28.21],["2002-01-01",41.36],["2002-04-01",35.27],["2002-07-01",35.23],["2002-10-01",46.75],["2003-01-01",72.11],["2003-04-01",75.19],["2003-07-01",81.94],["2003-10-01",70.77],["2004-01-01",48.63],["2004-04-01",55.86],["2004-07-01",58.27],["2004-10-01",45.93],["2005-01-01",50.51],["2005-04-01",45.29],["2005-07-01",53.78],["2005-10-01",56.36],["2006-01-01",55.84],["2006-04-01",74.95],["2006-07-01",60.83],["2006-10-01",51.49],["2007-01-01",70.7],["2007-04-01",58.88],["2007-07-01",57.46],["2007-10-01",52.26],["2008-01-01",45.2],["2008-04-01",60.45],["2008-07-01",36.8],["2008-10-01",23.78],["2009-01-01",43.35],["2009-04-01",51.42],["2009-07-01",49.89],["2009-10-01",39.88],["2010-01-01",42.1],["2010-04-01",44.43],["2010-07-01",38.99],["2010-10-01",54.62],["2011-01-01",62.47],["2011-04-01",46.75],["2011-07-01",40.97],["2011-10-01",52.8],["2012-01-01",57.96],["2012-04-01",69.19],["2012-07-01",73.98],["2012-10-01",62.64],["2013-01-01",75.9],["2013-04-01",85.92],["2013-07-01",76.03],["2013-10-01",51.56],["2014-01-01",41.23],["2014-04-01",37.99],["2014-07-01",39.86],["2014-10-01",41.08],["2015-01-01",55.07],["2015-04-01",51.62],["2015-07-01",50.52],["2015-10-01",51.15],["2016-01-01",53.69],["2016-04-01",44.96],["2016-07-01",57.26],["2016-10-01",76.61],["2017-01-01",56.66],["2017-04-01",49.91],["2017-07-01",56.71],["2017-10-01",52.81],["2018-01-01",56.49],["2018-04-01",51.54],["2018-07-01",54.68],["2018-10-01",42.5],["2019-01-01",39.92],["2019-04-01",55.81],["2019-07-01",56.47],["2019-10-01",88.49],["2020-01-01",70.59],["2020-04-01",95.67],["2020-07-01",99.68],["2020-10-01",133.5],["2021-01-01",148.8],["2021-04-01",168.4],["2021-07-01",121.3],["2021-10-01",122.6],["2022-01-01",118.1],["2022-04-01",86.34],["2022-07-01",72.79],["2022-10-01",53.56],["2023-01-01",36.13],["2023-04-01",40.38],["2023-07-01",37.27],["2023-10-01",36.96],["2024-01-01",43.41],["2024-04-01",42.09],["2024-07-01",46.69],["2024-10-01",39.53],["2025-01-01",44.02],["2025-04-01",51.06],["2025-07-01",48.65],["2025-10-01",58.71],["2026-01-01",56.54],["2026-04-01",55.27]]},"orig_age_70plus":{"label":"Ages 70+","unit":"$B","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",11.48],["2000-04-01",7.38],["2000-07-01",9.218],["2000-10-01",9.49],["2001-01-01",11.48],["2001-04-01",11.8],["2001-07-01",10.62],["2001-10-01",12.87],["2002-01-01",18.3],["2002-04-01",14.92],["2002-07-01",16.52],["2002-10-01",16.77],["2003-01-01",19.67],["2003-04-01",24.89],["2003-07-01",26.67],["2003-10-01",23.96],["2004-01-01",17.67],["2004-04-01",16.94],["2004-07-01",18.87],["2004-10-01",15.69],["2005-01-01",19.53],["2005-04-01",16.02],["2005-07-01",16.67],["2005-10-01",14.43],["2006-01-01",17.59],["2006-04-01",22.35],["2006-07-01",17.31],["2006-10-01",17.22],["2007-01-01",22.09],["2007-04-01",19.14],["2007-07-01",23.21],["2007-10-01",14.66],["2008-01-01",16.75],["2008-04-01",16.73],["2008-07-01",10.47],["2008-10-01",9.438],["2009-01-01",18.97],["2009-04-01",16.29],["2009-07-01",14.98],["2009-10-01",14.28],["2010-01-01",13.22],["2010-04-01",16.83],["2010-07-01",14.7],["2010-10-01",17.47],["2011-01-01",18.1],["2011-04-01",14.46],["2011-07-01",12.66],["2011-10-01",12.89],["2012-01-01",17.73],["2012-04-01",22.04],["2012-07-01",22.09],["2012-10-01",19.03],["2013-01-01",27.99],["2013-04-01",30.99],["2013-07-01",26.28],["2013-10-01",22.12],["2014-01-01",11.63],["2014-04-01",10.57],["2014-07-01",11.99],["2014-10-01",13.52],["2015-01-01",16.31],["2015-04-01",20.44],["2015-07-01",21.36],["2015-10-01",16.64],["2016-01-01",19.27],["2016-04-01",25.0],["2016-07-01",18.0],["2016-10-01",27.27],["2017-01-01",26.64],["2017-04-01",21.24],["2017-07-01",22.38],["2017-10-01",22.4],["2018-01-01",27.14],["2018-04-01",27.48],["2018-07-01",19.78],["2018-10-01",24.55],["2019-01-01",21.4],["2019-04-01",28.0],["2019-07-01",29.6],["2019-10-01",34.46],["2020-01-01",46.89],["2020-04-01",47.75],["2020-07-01",54.91],["2020-10-01",61.85],["2021-01-01",69.73],["2021-04-01",74.84],["2021-07-01",70.5],["2021-10-01",57.27],["2022-01-01",51.57],["2022-04-01",44.37],["2022-07-01",32.83],["2022-10-01",21.36],["2023-01-01",14.48],["2023-04-01",18.93],["2023-07-01",20.59],["2023-10-01",16.56],["2024-01-01",24.36],["2024-04-01",22.57],["2024-07-01",22.92],["2024-10-01",24.61],["2025-01-01",23.78],["2025-04-01",27.49],["2025-07-01",22.92],["2025-10-01",23.33],["2026-01-01",34.41],["2026-04-01",31.04]]},"age_18_29":{"label":"Ages 18\u201329","unit":"%","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",1.9207],["2000-04-01",2.0504],["2000-07-01",1.6701],["2000-10-01",1.7666],["2001-01-01",2.0664],["2001-04-01",2.114],["2001-07-01",2.7828],["2001-10-01",3.0194],["2002-01-01",3.0764],["2002-04-01",2.8953],["2002-07-01",2.672],["2002-10-01",2.6595],["2003-01-01",2.7754],["2003-04-01",2.8243],["2003-07-01",2.6329],["2003-10-01",2.608],["2004-01-01",2.0949],["2004-04-01",2.1367],["2004-07-01",2.3021],["2004-10-01",2.088],["2005-01-01",2.4113],["2005-04-01",2.3092],["2005-07-01",2.0875],["2005-10-01",2.177],["2006-01-01",2.2308],["2006-04-01",2.3767],["2006-07-01",2.8466],["2006-10-01",3.1877],["2007-01-01",3.8727],["2007-04-01",5.0162],["2007-07-01",5.2944],["2007-10-01",6.6975],["2008-01-01",7.3384],["2008-04-01",7.9719],["2008-07-01",9.467],["2008-10-01",10.1733],["2009-01-01",11.0447],["2009-04-01",11.6362],["2009-07-01",10.8828],["2009-10-01",10.0216],["2010-01-01",8.8497],["2010-04-01",7.0364],["2010-07-01",6.1629],["2010-10-01",4.9848],["2011-01-01",4.3216],["2011-04-01",4.0287],["2011-07-01",3.5579],["2011-10-01",3.5874],["2012-01-01",3.4433],["2012-04-01",3.3031],["2012-07-01",3.3984],["2012-10-01",3.3559],["2013-01-01",3.0617],["2013-04-01",2.8628],["2013-07-01",2.5061],["2013-10-01",2.0409],["2014-01-01",1.9078],["2014-04-01",1.7374],["2014-07-01",1.7615],["2014-10-01",1.5907],["2015-01-01",1.344],["2015-04-01",1.202],["2015-07-01",1.1298],["2015-10-01",1.0382],["2016-01-01",1.0046],["2016-04-01",1.0279],["2016-07-01",0.7902],["2016-10-01",0.7769],["2017-01-01",0.8661],["2017-04-01",0.8084],["2017-07-01",0.8951],["2017-10-01",0.8372],["2018-01-01",0.7651],["2018-04-01",0.815],["2018-07-01",0.769],["2018-10-01",0.8724],["2019-01-01",0.8257],["2019-04-01",0.8203],["2019-07-01",0.8726],["2019-10-01",0.9026],["2020-01-01",0.9112],["2020-04-01",0.7926],["2020-07-01",0.6293],["2020-10-01",0.436],["2021-01-01",0.3565],["2021-04-01",0.2489],["2021-07-01",0.2726],["2021-10-01",0.2257],["2022-01-01",0.26],["2022-04-01",0.4426],["2022-07-01",0.476],["2022-10-01",0.6342],["2023-01-01",0.7744],["2023-04-01",0.8981],["2023-07-01",0.931],["2023-10-01",1.2331],["2024-01-01",1.3175],["2024-04-01",1.1314],["2024-07-01",1.3115],["2024-10-01",1.1249],["2025-01-01",1.2133],["2025-04-01",1.3158],["2025-07-01",1.4096],["2025-10-01",1.5435],["2026-01-01",1.7284],["2026-04-01",1.8901]]},"age_30_39":{"label":"Ages 30\u201339","unit":"%","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",1.2331],["2000-04-01",1.1945],["2000-07-01",1.2064],["2000-10-01",1.3337],["2001-01-01",1.3221],["2001-04-01",1.4529],["2001-07-01",1.608],["2001-10-01",1.6632],["2002-01-01",1.6273],["2002-04-01",1.5757],["2002-07-01",1.4835],["2002-10-01",1.4057],["2003-01-01",1.496],["2003-04-01",1.5875],["2003-07-01",1.6552],["2003-10-01",1.6671],["2004-01-01",1.5809],["2004-04-01",1.5238],["2004-07-01",1.5399],["2004-10-01",1.5922],["2005-01-01",1.5642],["2005-04-01",1.6491],["2005-07-01",1.6224],["2005-10-01",1.6009],["2006-01-01",1.6861],["2006-04-01",1.6296],["2006-07-01",1.9677],["2006-10-01",2.0409],["2007-01-01",2.2627],["2007-04-01",2.8171],["2007-07-01",3.4849],["2007-10-01",4.7313],["2008-01-01",6.53],["2008-04-01",7.5161],["2008-07-01",8.04],["2008-10-01",8.837],["2009-01-01",9.0351],["2009-04-01",9.802],["2009-07-01",10.0632],["2009-10-01",10.129],["2010-01-01",9.4008],["2010-04-01",8.376],["2010-07-01",7.7986],["2010-10-01",6.6057],["2011-01-01",6.0049],["2011-04-01",5.4539],["2011-07-01",5.1817],["2011-10-01",5.1184],["2012-01-01",4.8287],["2012-04-01",4.6674],["2012-07-01",4.3698],["2012-10-01",3.9253],["2013-01-01",3.5562],["2013-04-01",3.2548],["2013-07-01",2.9613],["2013-10-01",2.69],["2014-01-01",2.5033],["2014-04-01",2.236],["2014-07-01",1.9936],["2014-10-01",1.838],["2015-01-01",1.7559],["2015-04-01",1.654],["2015-07-01",1.6919],["2015-10-01",1.5873],["2016-01-01",1.477],["2016-04-01",1.4491],["2016-07-01",1.2091],["2016-10-01",1.1023],["2017-01-01",1.1342],["2017-04-01",1.1269],["2017-07-01",1.152],["2017-10-01",1.1047],["2018-01-01",1.1063],["2018-04-01",1.14],["2018-07-01",1.0379],["2018-10-01",1.0247],["2019-01-01",0.9318],["2019-04-01",0.9192],["2019-07-01",0.897],["2019-10-01",1.0147],["2020-01-01",1.0339],["2020-04-01",0.9272],["2020-07-01",0.8506],["2020-10-01",0.5356],["2021-01-01",0.3501],["2021-04-01",0.2857],["2021-07-01",0.2],["2021-10-01",0.2299],["2022-01-01",0.26],["2022-04-01",0.3888],["2022-07-01",0.4754],["2022-10-01",0.5947],["2023-01-01",0.6344],["2023-04-01",0.6296],["2023-07-01",0.7657],["2023-10-01",0.827],["2024-01-01",0.9337],["2024-04-01",1.0712],["2024-07-01",1.2282],["2024-10-01",1.2735],["2025-01-01",1.4865],["2025-04-01",1.5017],["2025-07-01",1.5527],["2025-10-01",1.587],["2026-01-01",1.6616],["2026-04-01",1.6496]]},"age_40_49":{"label":"Ages 40\u201349","unit":"%","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",1.0192],["2000-04-01",0.97],["2000-07-01",0.9291],["2000-10-01",1.1322],["2001-01-01",1.1757],["2001-04-01",1.3387],["2001-07-01",1.3894],["2001-10-01",1.3248],["2002-01-01",1.4471],["2002-04-01",1.3821],["2002-07-01",1.4382],["2002-10-01",1.5642],["2003-01-01",1.4591],["2003-04-01",1.5145],["2003-07-01",1.5168],["2003-10-01",1.3672],["2004-01-01",1.3492],["2004-04-01",1.3349],["2004-07-01",1.4156],["2004-10-01",1.4299],["2005-01-01",1.3229],["2005-04-01",1.2391],["2005-07-01",1.1547],["2005-10-01",1.1363],["2006-01-01",1.2302],["2006-04-01",1.2518],["2006-07-01",1.4251],["2006-10-01",1.7294],["2007-01-01",1.9313],["2007-04-01",2.3679],["2007-07-01",2.7059],["2007-10-01",3.5395],["2008-01-01",4.5383],["2008-04-01",5.133],["2008-07-01",6.0727],["2008-10-01",6.6254],["2009-01-01",7.6022],["2009-04-01",8.8322],["2009-07-01",9.1334],["2009-10-01",9.0371],["2010-01-01",8.2649],["2010-04-01",7.5704],["2010-07-01",6.8612],["2010-10-01",6.3271],["2011-01-01",5.8881],["2011-04-01",5.2716],["2011-07-01",5.2646],["2011-10-01",5.1509],["2012-01-01",4.9918],["2012-04-01",4.5859],["2012-07-01",4.1123],["2012-10-01",3.7036],["2013-01-01",3.3978],["2013-04-01",3.2395],["2013-07-01",2.9685],["2013-10-01",2.6973],["2014-01-01",2.3752],["2014-04-01",2.293],["2014-07-01",2.1173],["2014-10-01",2.0121],["2015-01-01",1.9449],["2015-04-01",1.8862],["2015-07-01",1.7442],["2015-10-01",1.8416],["2016-01-01",1.7892],["2016-04-01",1.5118],["2016-07-01",1.4822],["2016-10-01",1.3293],["2017-01-01",1.2691],["2017-04-01",1.3057],["2017-07-01",1.3548],["2017-10-01",1.2905],["2018-01-01",1.2366],["2018-04-01",1.2533],["2018-07-01",1.229],["2018-10-01",1.1924],["2019-01-01",1.1375],["2019-04-01",1.1515],["2019-07-01",1.092],["2019-10-01",1.2088],["2020-01-01",1.347],["2020-04-01",1.1894],["2020-07-01",1.0601],["2020-10-01",0.7384],["2021-01-01",0.4635],["2021-04-01",0.3992],["2021-07-01",0.3329],["2021-10-01",0.3769],["2022-01-01",0.42],["2022-04-01",0.5583],["2022-07-01",0.6777],["2022-10-01",0.7089],["2023-01-01",0.7111],["2023-04-01",0.7853],["2023-07-01",0.869],["2023-10-01",0.916],["2024-01-01",1.0912],["2024-04-01",1.0542],["2024-07-01",1.1897],["2024-10-01",1.2364],["2025-01-01",1.2269],["2025-04-01",1.4166],["2025-07-01",1.4239],["2025-10-01",1.4995],["2026-01-01",1.6846],["2026-04-01",1.5692]]},"age_50_59":{"label":"Ages 50\u201359","unit":"%","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",0.9253],["2000-04-01",0.9244],["2000-07-01",0.811],["2000-10-01",0.8952],["2001-01-01",0.9611],["2001-04-01",0.9375],["2001-07-01",1.0587],["2001-10-01",1.1185],["2002-01-01",1.0822],["2002-04-01",1.1829],["2002-07-01",1.2097],["2002-10-01",1.1681],["2003-01-01",1.2548],["2003-04-01",1.1911],["2003-07-01",1.1625],["2003-10-01",1.1387],["2004-01-01",1.015],["2004-04-01",0.9737],["2004-07-01",0.9765],["2004-10-01",1.0597],["2005-01-01",1.1317],["2005-04-01",1.1803],["2005-07-01",1.1548],["2005-10-01",1.0574],["2006-01-01",0.9816],["2006-04-01",0.976],["2006-07-01",0.9813],["2006-10-01",1.2516],["2007-01-01",1.5459],["2007-04-01",1.8642],["2007-07-01",2.38],["2007-10-01",2.7285],["2008-01-01",3.3111],["2008-04-01",3.9701],["2008-07-01",4.7889],["2008-10-01",5.3774],["2009-01-01",6.58],["2009-04-01",7.2018],["2009-07-01",7.1126],["2009-10-01",7.3425],["2010-01-01",7.1529],["2010-04-01",6.6819],["2010-07-01",6.5702],["2010-10-01",6.138],["2011-01-01",5.0511],["2011-04-01",4.7976],["2011-07-01",4.2907],["2011-10-01",4.2499],["2012-01-01",4.218],["2012-04-01",3.9594],["2012-07-01",3.8495],["2012-10-01",3.2992],["2013-01-01",2.9174],["2013-04-01",2.7543],["2013-07-01",2.5567],["2013-10-01",2.5802],["2014-01-01",2.4944],["2014-04-01",2.1458],["2014-07-01",2.0068],["2014-10-01",1.8695],["2015-01-01",1.9104],["2015-04-01",1.8797],["2015-07-01",1.8872],["2015-10-01",1.7123],["2016-01-01",1.5535],["2016-04-01",1.6199],["2016-07-01",1.4696],["2016-10-01",1.5989],["2017-01-01",1.5023],["2017-04-01",1.4438],["2017-07-01",1.4326],["2017-10-01",1.2456],["2018-01-01",1.2825],["2018-04-01",1.3429],["2018-07-01",1.3873],["2018-10-01",1.5008],["2019-01-01",1.4013],["2019-04-01",1.2719],["2019-07-01",1.2393],["2019-10-01",1.1821],["2020-01-01",1.209],["2020-04-01",1.1739],["2020-07-01",1.0006],["2020-10-01",0.7391],["2021-01-01",0.4976],["2021-04-01",0.3495],["2021-07-01",0.2949],["2021-10-01",0.2681],["2022-01-01",0.33],["2022-04-01",0.3887],["2022-07-01",0.4307],["2022-10-01",0.4916],["2023-01-01",0.5108],["2023-04-01",0.5518],["2023-07-01",0.6919],["2023-10-01",0.8699],["2024-01-01",1.0314],["2024-04-01",1.1583],["2024-07-01",1.317],["2024-10-01",1.2976],["2025-01-01",1.4549],["2025-04-01",1.4429],["2025-07-01",1.3063],["2025-10-01",1.5033],["2026-01-01",1.6439],["2026-04-01",1.7542]]},"age_60_69":{"label":"Ages 60\u201369","unit":"%","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",0.4099],["2000-04-01",0.4422],["2000-07-01",0.4762],["2000-10-01",0.4506],["2001-01-01",0.6029],["2001-04-01",0.6019],["2001-07-01",0.6899],["2001-10-01",1.0313],["2002-01-01",1.4148],["2002-04-01",1.4133],["2002-07-01",1.4801],["2002-10-01",1.2045],["2003-01-01",0.7639],["2003-04-01",0.9114],["2003-07-01",0.9229],["2003-10-01",0.9762],["2004-01-01",0.9294],["2004-04-01",0.8022],["2004-07-01",0.8549],["2004-10-01",0.857],["2005-01-01",0.8459],["2005-04-01",0.9596],["2005-07-01",0.8151],["2005-10-01",0.7365],["2006-01-01",0.8678],["2006-04-01",0.7875],["2006-07-01",0.7601],["2006-10-01",0.9363],["2007-01-01",1.1206],["2007-04-01",1.4791],["2007-07-01",2.0459],["2007-10-01",2.5484],["2008-01-01",3.3452],["2008-04-01",3.4945],["2008-07-01",3.7864],["2008-10-01",4.1704],["2009-01-01",4.535],["2009-04-01",5.3422],["2009-07-01",5.4629],["2009-10-01",5.4501],["2010-01-01",4.9054],["2010-04-01",4.4182],["2010-07-01",4.06],["2010-10-01",3.7622],["2011-01-01",3.5646],["2011-04-01",3.2098],["2011-07-01",3.5497],["2011-10-01",3.4452],["2012-01-01",3.6117],["2012-04-01",3.4895],["2012-07-01",3.0534],["2012-10-01",2.9888],["2013-01-01",2.8092],["2013-04-01",2.7414],["2013-07-01",2.4493],["2013-10-01",2.1308],["2014-01-01",1.9109],["2014-04-01",1.7527],["2014-07-01",1.7059],["2014-10-01",1.5701],["2015-01-01",1.0965],["2015-04-01",1.0106],["2015-07-01",0.9908],["2015-10-01",0.8856],["2016-01-01",1.0932],["2016-04-01",1.0594],["2016-07-01",1.0422],["2016-10-01",1.2036],["2017-01-01",1.1344],["2017-04-01",1.0572],["2017-07-01",0.9998],["2017-10-01",0.9145],["2018-01-01",0.8775],["2018-04-01",0.9659],["2018-07-01",0.9321],["2018-10-01",0.844],["2019-01-01",0.8255],["2019-04-01",0.7243],["2019-07-01",0.6982],["2019-10-01",0.8445],["2020-01-01",0.9339],["2020-04-01",0.9251],["2020-07-01",0.8449],["2020-10-01",0.6087],["2021-01-01",0.3493],["2021-04-01",0.3161],["2021-07-01",0.2716],["2021-10-01",0.3177],["2022-01-01",0.38],["2022-04-01",0.4064],["2022-07-01",0.4088],["2022-10-01",0.4518],["2023-01-01",0.4206],["2023-04-01",0.4492],["2023-07-01",0.5055],["2023-10-01",0.4949],["2024-01-01",0.4811],["2024-04-01",0.5002],["2024-07-01",0.5823],["2024-10-01",0.5501],["2025-01-01",0.6982],["2025-04-01",0.7773],["2025-07-01",0.7662],["2025-10-01",0.9529],["2026-01-01",0.9538],["2026-04-01",0.9242]]},"age_70plus":{"label":"Ages 70+","unit":"%","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",0.8467],["2000-04-01",1.1249],["2000-07-01",1.105],["2000-10-01",1.2742],["2001-01-01",1.3199],["2001-04-01",1.1449],["2001-07-01",1.1713],["2001-10-01",1.0005],["2002-01-01",1.1066],["2002-04-01",0.9133],["2002-07-01",0.956],["2002-10-01",1.6036],["2003-01-01",1.7165],["2003-04-01",1.9721],["2003-07-01",1.9893],["2003-10-01",1.7623],["2004-01-01",1.3723],["2004-04-01",1.2959],["2004-07-01",1.5373],["2004-10-01",1.2959],["2005-01-01",1.5733],["2005-04-01",1.5199],["2005-07-01",1.6437],["2005-10-01",1.4385],["2006-01-01",1.2909],["2006-04-01",1.3145],["2006-07-01",1.0536],["2006-10-01",1.211],["2007-01-01",1.4496],["2007-04-01",2.022],["2007-07-01",2.6539],["2007-10-01",2.8706],["2008-01-01",3.4222],["2008-04-01",3.198],["2008-07-01",3.2556],["2008-10-01",4.5523],["2009-01-01",4.9794],["2009-04-01",6.3791],["2009-07-01",6.4279],["2009-10-01",5.9038],["2010-01-01",5.5907],["2010-04-01",4.7426],["2010-07-01",4.8679],["2010-10-01",4.3645],["2011-01-01",5.6833],["2011-04-01",4.9706],["2011-07-01",4.5403],["2011-10-01",4.8694],["2012-01-01",3.2119],["2012-04-01",3.6525],["2012-07-01",3.5014],["2012-10-01",3.1088],["2013-01-01",3.0135],["2013-04-01",2.6987],["2013-07-01",2.6346],["2013-10-01",2.4691],["2014-01-01",2.134],["2014-04-01",1.8208],["2014-07-01",1.3657],["2014-10-01",1.3349],["2015-01-01",1.3623],["2015-04-01",1.4771],["2015-07-01",1.745],["2015-10-01",1.4619],["2016-01-01",1.2939],["2016-04-01",1.0584],["2016-07-01",0.8421],["2016-10-01",0.8953],["2017-01-01",0.898],["2017-04-01",1.0858],["2017-07-01",0.9955],["2017-10-01",0.9017],["2018-01-01",1.0334],["2018-04-01",1.0496],["2018-07-01",1.292],["2018-10-01",1.332],["2019-01-01",1.0505],["2019-04-01",0.9226],["2019-07-01",0.7398],["2019-10-01",1.2531],["2020-01-01",1.4111],["2020-04-01",1.2722],["2020-07-01",1.1798],["2020-10-01",0.5529],["2021-01-01",0.3337],["2021-04-01",0.2777],["2021-07-01",0.2291],["2021-10-01",0.2506],["2022-01-01",0.38],["2022-04-01",0.4073],["2022-07-01",0.4707],["2022-10-01",0.4187],["2023-01-01",0.4347],["2023-04-01",0.5235],["2023-07-01",0.5391],["2023-10-01",0.6242],["2024-01-01",0.5597],["2024-04-01",0.5314],["2024-07-01",0.5618],["2024-10-01",0.6633],["2025-01-01",0.8827],["2025-04-01",0.9193],["2025-07-01",1.0211],["2025-10-01",0.9571],["2026-01-01",0.8356],["2026-04-01",0.8263]]},"age_all":{"label":"All ages","unit":"%","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",1.0661],["2000-04-01",1.0597],["2000-07-01",1.0075],["2000-10-01",1.1323],["2001-01-01",1.1813],["2001-04-01",1.2563],["2001-07-01",1.3802],["2001-10-01",1.4132],["2002-01-01",1.4692],["2002-04-01",1.4402],["2002-07-01",1.4373],["2002-10-01",1.4525],["2003-01-01",1.4427],["2003-04-01",1.4983],["2003-07-01",1.5024],["2003-10-01",1.4444],["2004-01-01",1.3374],["2004-04-01",1.2937],["2004-07-01",1.3449],["2004-10-01",1.3601],["2005-01-01",1.36],["2005-04-01",1.3684],["2005-07-01",1.3089],["2005-10-01",1.2695],["2006-01-01",1.3158],["2006-04-01",1.3064],["2006-07-01",1.4583],["2006-10-01",1.679],["2007-01-01",1.9371],["2007-04-01",2.4037],["2007-07-01",2.893],["2007-10-01",3.6817],["2008-01-01",4.7126],["2008-04-01",5.3221],["2008-07-01",6.0435],["2008-10-01",6.654],["2009-01-01",7.3873],["2009-04-01",8.2618],["2009-07-01",8.3514],["2009-10-01",8.3029],["2010-01-01",7.6979],["2010-04-01",6.9552],["2010-07-01",6.4949],["2010-10-01",5.8374],["2011-01-01",5.2938],["2011-04-01",4.8267],["2011-07-01",4.6429],["2011-10-01",4.584],["2012-01-01",4.4087],["2012-04-01",4.1828],["2012-07-01",3.8771],["2012-10-01",3.4845],["2013-01-01",3.1753],["2013-04-01",2.9917],["2013-07-01",2.7403],["2013-10-01",2.538],["2014-01-01",2.3276],["2014-04-01",2.1082],["2014-07-01",1.9381],["2014-10-01",1.8113],["2015-01-01",1.7038],["2015-04-01",1.6482],["2015-07-01",1.6274],["2015-10-01",1.5488],["2016-01-01",1.4921],["2016-04-01",1.4054],["2016-07-01",1.2873],["2016-10-01",1.2868],["2017-01-01",1.2419],["2017-04-01",1.2344],["2017-07-01",1.2351],["2017-10-01",1.1354],["2018-01-01",1.1305],["2018-04-01",1.1746],["2018-07-01",1.1713],["2018-10-01",1.1792],["2019-01-01",1.094],["2019-04-01",1.0349],["2019-07-01",0.9889],["2019-10-01",1.097],["2020-01-01",1.1713],["2020-04-01",1.0813],["2020-07-01",0.9612],["2020-10-01",0.6488],["2021-01-01",0.4151],["2021-04-01",0.3341],["2021-07-01",0.2748],["2021-10-01",0.2931],["2022-01-01",0.35],["2022-04-01",0.4383],["2022-07-01",0.5055],["2022-10-01",0.5636],["2023-01-01",0.5808],["2023-04-01",0.6274],["2023-07-01",0.7229],["2023-10-01",0.8086],["2024-01-01",0.9121],["2024-04-01",0.9531],["2024-07-01",1.0811],["2024-10-01",1.0946],["2025-01-01",1.2198],["2025-04-01",1.2914],["2025-07-01",1.2842],["2025-10-01",1.3842],["2026-01-01",1.4791],["2026-04-01",1.4703]]},"cur_to30":{"label":"Current to 30\u201360 days late, per quarter","unit":"%","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",1.55],["2003-04-01",1.42],["2003-07-01",1.33],["2003-10-01",1.34],["2004-01-01",1.32],["2004-04-01",1.34],["2004-07-01",1.35],["2004-10-01",1.31],["2005-01-01",1.19],["2005-04-01",1.22],["2005-07-01",1.36],["2005-10-01",1.32],["2006-01-01",1.23],["2006-04-01",1.44],["2006-07-01",1.48],["2006-10-01",1.73],["2007-01-01",1.64],["2007-04-01",1.74],["2007-07-01",1.91],["2007-10-01",2.27],["2008-01-01",2.01],["2008-04-01",2.24],["2008-07-01",2.55],["2008-10-01",3.05],["2009-01-01",2.77],["2009-04-01",2.5],["2009-07-01",2.74],["2009-10-01",2.42],["2010-01-01",2.28],["2010-04-01",2.04],["2010-07-01",2.12],["2010-10-01",1.9],["2011-01-01",1.84],["2011-04-01",1.6703],["2011-07-01",2.1193],["2011-10-01",1.72],["2012-01-01",1.4],["2012-04-01",1.46],["2012-07-01",1.52],["2012-10-01",1.42],["2013-01-01",1.28],["2013-04-01",1.17],["2013-07-01",1.35],["2013-10-01",1.25],["2014-01-01",0.97],["2014-04-01",0.95],["2014-07-01",1.15],["2014-10-01",0.95],["2015-01-01",0.85],["2015-04-01",1.01],["2015-07-01",1.0],["2015-10-01",0.91],["2016-01-01",0.71],["2016-04-01",0.78],["2016-07-01",1.02],["2016-10-01",0.86],["2017-01-01",0.839],["2017-04-01",0.8271],["2017-07-01",0.92],["2017-10-01",0.81],["2018-01-01",0.8067],["2018-04-01",0.8241],["2018-07-01",1.0107],["2018-10-01",0.8274],["2019-01-01",0.7943],["2019-04-01",0.7832],["2019-07-01",1.0179],["2019-10-01",0.8758],["2020-01-01",0.7591],["2020-04-01",0.4292],["2020-07-01",0.4694],["2020-10-01",0.348],["2021-01-01",0.3895],["2021-04-01",0.2691],["2021-07-01",0.41],["2021-10-01",0.4791],["2022-01-01",0.45],["2022-04-01",0.49],["2022-07-01",0.58],["2022-10-01",0.62],["2023-01-01",0.61],["2023-04-01",0.62],["2023-07-01",0.77],["2023-10-01",0.81],["2024-01-01",0.83],["2024-04-01",0.76],["2024-07-01",0.9788],["2024-10-01",0.836],["2025-01-01",0.8902],["2025-04-01",0.6911],["2025-07-01",0.9365],["2025-10-01",0.9983],["2026-01-01",0.74],["2026-04-01",0.8426]]},"cur_to90":{"label":"Current to 90+ days late, per quarter","unit":"%","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",0.19],["2003-04-01",0.2],["2003-07-01",0.16],["2003-10-01",0.23],["2004-01-01",0.18],["2004-04-01",0.15],["2004-07-01",0.14],["2004-10-01",0.2],["2005-01-01",0.1],["2005-04-01",0.18],["2005-07-01",0.15],["2005-10-01",0.22],["2006-01-01",0.13],["2006-04-01",0.09],["2006-07-01",0.18],["2006-10-01",0.17],["2007-01-01",0.24],["2007-04-01",0.22],["2007-07-01",0.35],["2007-10-01",0.43],["2008-01-01",0.53],["2008-04-01",0.52],["2008-07-01",0.55],["2008-10-01",0.66],["2009-01-01",0.66],["2009-04-01",0.75],["2009-07-01",0.53],["2009-10-01",0.74],["2010-01-01",0.63],["2010-04-01",0.53],["2010-07-01",0.59],["2010-10-01",0.52],["2011-01-01",0.54],["2011-04-01",0.4787],["2011-07-01",0.4186],["2011-10-01",0.48],["2012-01-01",0.43],["2012-04-01",0.36],["2012-07-01",0.35],["2012-10-01",0.38],["2013-01-01",0.29],["2013-04-01",0.35],["2013-07-01",0.22],["2013-10-01",0.23],["2014-01-01",0.23],["2014-04-01",0.22],["2014-07-01",0.21],["2014-10-01",0.22],["2015-01-01",0.13],["2015-04-01",0.19],["2015-07-01",0.18],["2015-10-01",0.19],["2016-01-01",0.18],["2016-04-01",0.12],["2016-07-01",0.16],["2016-10-01",0.16],["2017-01-01",0.139],["2017-04-01",0.1546],["2017-07-01",0.11],["2017-10-01",0.11],["2018-01-01",0.1428],["2018-04-01",0.1911],["2018-07-01",0.1969],["2018-10-01",0.1324],["2019-01-01",0.1369],["2019-04-01",0.1761],["2019-07-01",0.1407],["2019-10-01",0.1544],["2020-01-01",0.1439],["2020-04-01",0.1048],["2020-07-01",0.1189],["2020-10-01",0.104],["2021-01-01",0.115],["2021-04-01",0.0783],["2021-07-01",0.12],["2021-10-01",0.0956],["2022-01-01",0.12],["2022-04-01",0.12],["2022-07-01",0.11],["2022-10-01",0.12],["2023-01-01",0.09],["2023-04-01",0.12],["2023-07-01",0.13],["2023-10-01",0.16],["2024-01-01",0.17],["2024-04-01",0.12],["2024-07-01",0.1837],["2024-10-01",0.1546],["2025-01-01",0.2377],["2025-04-01",0.1669],["2025-07-01",0.1881],["2025-10-01",0.1973],["2026-01-01",0.26],["2026-04-01",0.225]]},"late_tocur":{"label":"30\u201360 days late back to current","unit":"%","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",41.28],["2003-04-01",50.0],["2003-07-01",46.52],["2003-10-01",43.2],["2004-01-01",48.09],["2004-04-01",47.88],["2004-07-01",40.37],["2004-10-01",41.41],["2005-01-01",43.14],["2005-04-01",50.12],["2005-07-01",39.64],["2005-10-01",43.3],["2006-01-01",47.24],["2006-04-01",45.9],["2006-07-01",37.02],["2006-10-01",36.87],["2007-01-01",39.88],["2007-04-01",36.73],["2007-07-01",31.12],["2007-10-01",25.4],["2008-01-01",26.85],["2008-04-01",29.33],["2008-07-01",22.27],["2008-10-01",21.21],["2009-01-01",22.84],["2009-04-01",25.73],["2009-07-01",20.47],["2009-10-01",20.91],["2010-01-01",24.13],["2010-04-01",29.0],["2010-07-01",25.15],["2010-10-01",28.66],["2011-01-01",30.98],["2011-04-01",29.94],["2011-07-01",25.6202],["2011-10-01",27.24],["2012-01-01",31.77],["2012-04-01",28.45],["2012-07-01",26.35],["2012-10-01",28.05],["2013-01-01",34.7],["2013-04-01",35.8],["2013-07-01",25.7],["2013-10-01",26.9],["2014-01-01",35.1],["2014-04-01",35.2],["2014-07-01",30.4],["2014-10-01",39.2],["2015-01-01",37.7],["2015-04-01",33.6],["2015-07-01",30.5164],["2015-10-01",32.94],["2016-01-01",38.09],["2016-04-01",36.93],["2016-07-01",32.7],["2016-10-01",36.6],["2017-01-01",36.0],["2017-04-01",36.3],["2017-07-01",30.9],["2017-10-01",35.9],["2018-01-01",40.5172],["2018-04-01",42.8975],["2018-07-01",34.8364],["2018-10-01",35.0822],["2019-01-01",38.7032],["2019-04-01",42.964],["2019-07-01",31.4448],["2019-10-01",37.8893],["2020-01-01",37.4137],["2020-04-01",61.0497],["2020-07-01",47.0269],["2020-10-01",53.7058],["2021-01-01",49.8382],["2021-04-01",53.0559],["2021-07-01",50.41],["2021-10-01",49.2979],["2022-01-01",44.04],["2022-04-01",48.28],["2022-07-01",44.9],["2022-10-01",44.3],["2023-01-01",44.23],["2023-04-01",50.27],["2023-07-01",39.78],["2023-10-01",45.21],["2024-01-01",50.34],["2024-04-01",47.4],["2024-07-01",37.1529],["2024-10-01",44.252],["2025-01-01",40.9893],["2025-04-01",46.4087],["2025-07-01",39.2237],["2025-10-01",36.3359],["2026-01-01",42.96],["2026-04-01",42.0388]]},"late_to90":{"label":"30\u201360 days late on to 90+","unit":"%","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",12.28],["2003-04-01",11.12],["2003-07-01",12.0],["2003-10-01",14.97],["2004-01-01",12.93],["2004-04-01",11.16],["2004-07-01",16.55],["2004-10-01",16.33],["2005-01-01",13.34],["2005-04-01",10.44],["2005-07-01",15.73],["2005-10-01",14.56],["2006-01-01",13.72],["2006-04-01",11.97],["2006-07-01",17.19],["2006-10-01",19.67],["2007-01-01",19.94],["2007-04-01",22.27],["2007-07-01",27.11],["2007-10-01",34.19],["2008-01-01",34.6],["2008-04-01",31.33],["2008-07-01",40.13],["2008-10-01",40.85],["2009-01-01",44.23],["2009-04-01",41.17],["2009-07-01",41.43],["2009-10-01",41.29],["2010-01-01",39.02],["2010-04-01",32.97],["2010-07-01",31.85],["2010-10-01",29.63],["2011-01-01",27.56],["2011-04-01",28.17],["2011-07-01",31.2729],["2011-10-01",28.82],["2012-01-01",27.72],["2012-04-01",23.51],["2012-07-01",26.3],["2012-10-01",26.09],["2013-01-01",22.8],["2013-04-01",19.8],["2013-07-01",22.7],["2013-10-01",20.9],["2014-01-01",18.3],["2014-04-01",17.7],["2014-07-01",18.2],["2014-10-01",18.4],["2015-01-01",20.8],["2015-04-01",17.3],["2015-07-01",18.8464],["2015-10-01",17.72],["2016-01-01",17.52],["2016-04-01",16.12],["2016-07-01",15.1],["2016-10-01",18.1],["2017-01-01",18.1091],["2017-04-01",12.8],["2017-07-01",16.2],["2017-10-01",15.0],["2018-01-01",14.6552],["2018-04-01",13.3569],["2018-07-01",14.1091],["2018-10-01",14.7914],["2019-01-01",11.6979],["2019-04-01",10.537],["2019-07-01",14.9433],["2019-10-01",17.4164],["2020-01-01",15.1287],["2020-04-01",7.7348],["2020-07-01",10.9573],["2020-10-01",8.3693],["2021-01-01",7.8796],["2021-04-01",6.9621],["2021-07-01",5.51],["2021-10-01",10.7588],["2022-01-01",13.08],["2022-04-01",12.75],["2022-07-01",11.0],["2022-10-01",12.83],["2023-01-01",10.84],["2023-04-01",12.04],["2023-07-01",13.55],["2023-10-01",13.9108],["2024-01-01",11.08],["2024-04-01",12.75],["2024-07-01",17.9193],["2024-10-01",14.1766],["2025-01-01",15.8405],["2025-04-01",13.961],["2025-07-01",16.3121],["2025-10-01",16.2943],["2026-01-01",17.31],["2026-04-01",15.4152]]},"foreclosures":{"label":"Consumers with a new foreclosure","unit":"K","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2003-01-01",203.32],["2003-04-01",169.9],["2003-07-01",178.16],["2003-10-01",193.24],["2004-01-01",186.06],["2004-04-01",171.44],["2004-07-01",168.8],["2004-10-01",184.14],["2005-01-01",171.52],["2005-04-01",148.78],["2005-07-01",157.9],["2005-10-01",166.72],["2006-01-01",172.86],["2006-04-01",179.42],["2006-07-01",189.26],["2006-10-01",220.2],["2007-01-01",267.66],["2007-04-01",243.9],["2007-07-01",325.44],["2007-10-01",348.52],["2008-01-01",429.8],["2008-04-01",455.44],["2008-07-01",446.58],["2008-10-01",424.04],["2009-01-01",517.38],["2009-04-01",566.18],["2009-07-01",488.58],["2009-10-01",465.8],["2010-01-01",456.5],["2010-04-01",483.76],["2010-07-01",457.32],["2010-10-01",447.06],["2011-01-01",368.06],["2011-04-01",284.22],["2011-07-01",264.34],["2011-10-01",289.38],["2012-01-01",291.42],["2012-04-01",255.66],["2012-07-01",241.68],["2012-10-01",209.66],["2013-01-01",183.54],["2013-04-01",199.62],["2013-07-01",167.66],["2013-10-01",157.32],["2014-01-01",145.14],["2014-04-01",115.64],["2014-07-01",113.08],["2014-10-01",121.76],["2015-01-01",112.34],["2015-04-01",95.14],["2015-07-01",92.6],["2015-10-01",104.1],["2016-01-01",96.82],["2016-04-01",82.84],["2016-07-01",80.62],["2016-10-01",78.92],["2017-01-01",90.66],["2017-04-01",84.82],["2017-07-01",69.58],["2017-10-01",69.16],["2018-01-01",76.48],["2018-04-01",75.54],["2018-07-01",64.36],["2018-10-01",67.98],["2019-01-01",71.16],["2019-04-01",70.4],["2019-07-01",64.58],["2019-10-01",71.42],["2020-01-01",74.86],["2020-04-01",23.9],["2020-07-01",16.02],["2020-10-01",14.22],["2021-01-01",11.46],["2021-04-01",8.1],["2021-07-01",9.6],["2021-10-01",8.88],["2022-01-01",24.24],["2022-04-01",35.12],["2022-07-01",28.5],["2022-10-01",34.28],["2023-01-01",35.66],["2023-04-01",38.84],["2023-07-01",36.1],["2023-10-01",40.22],["2024-01-01",44.18],["2024-04-01",47.18],["2024-07-01",41.52],["2024-10-01",41.22],["2025-01-01",61.66],["2025-04-01",52.8],["2025-07-01",54.76],["2025-10-01",58.14],["2026-01-01",59.16],["2026-04-01",55.16]]},"fc_age_18_29":{"label":"Ages 18\u201329","unit":"K","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",16.26],["2000-04-01",12.14],["2000-07-01",14.14],["2000-10-01",16.08],["2001-01-01",15.42],["2001-04-01",14.52],["2001-07-01",17.68],["2001-10-01",19.04],["2002-01-01",23.86],["2002-04-01",15.44],["2002-07-01",19.14],["2002-10-01",20.48],["2003-01-01",18.88],["2003-04-01",15.72],["2003-07-01",16.2],["2003-10-01",19.22],["2004-01-01",15.84],["2004-04-01",14.86],["2004-07-01",16.96],["2004-10-01",20.42],["2005-01-01",15.46],["2005-04-01",13.3],["2005-07-01",16.78],["2005-10-01",18.76],["2006-01-01",17.14],["2006-04-01",18.18],["2006-07-01",21.06],["2006-10-01",26.9],["2007-01-01",28.56],["2007-04-01",27.58],["2007-07-01",36.36],["2007-10-01",41.2],["2008-01-01",42.28],["2008-04-01",45.32],["2008-07-01",46.24],["2008-10-01",43.02],["2009-01-01",38.46],["2009-04-01",43.36],["2009-07-01",37.6],["2009-10-01",37.6],["2010-01-01",28.46],["2010-04-01",30.98],["2010-07-01",28.68],["2010-10-01",30.24],["2011-01-01",18.56],["2011-04-01",13.36],["2011-07-01",13.06],["2011-10-01",15.38],["2012-01-01",11.42],["2012-04-01",11.36],["2012-07-01",11.04],["2012-10-01",9.66],["2013-01-01",6.84],["2013-04-01",6.66],["2013-07-01",6.56],["2013-10-01",7.64],["2014-01-01",4.68],["2014-04-01",3.3],["2014-07-01",3.28],["2014-10-01",4.24],["2015-01-01",3.24],["2015-04-01",2.88],["2015-07-01",3.28],["2015-10-01",3.58],["2016-01-01",2.86],["2016-04-01",2.38],["2016-07-01",2.72],["2016-10-01",3.04],["2017-01-01",2.7],["2017-04-01",2.12],["2017-07-01",2.36],["2017-10-01",2.7],["2018-01-01",2.36],["2018-04-01",2.78],["2018-07-01",2.34],["2018-10-01",2.92],["2019-01-01",2.92],["2019-04-01",2.68],["2019-07-01",2.68],["2019-10-01",2.78],["2020-01-01",2.58],["2020-04-01",0.66],["2020-07-01",0.44],["2020-10-01",0.36],["2021-01-01",0.44],["2021-04-01",0.18],["2021-07-01",0.16],["2021-10-01",0.36],["2022-01-01",0.82],["2022-04-01",1.38],["2022-07-01",1.6],["2022-10-01",1.62],["2023-01-01",1.72],["2023-04-01",2.02],["2023-07-01",1.82],["2023-10-01",2.22],["2024-01-01",1.76],["2024-04-01",2.3],["2024-07-01",2.14],["2024-10-01",2.18],["2025-01-01",2.44],["2025-04-01",2.64],["2025-07-01",3.14],["2025-10-01",3.06],["2026-01-01",3.4],["2026-04-01",2.94]]},"fc_age_30_39":{"label":"Ages 30\u201339","unit":"K","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",49.16],["2000-04-01",34.26],["2000-07-01",40.26],["2000-10-01",45.18],["2001-01-01",46.16],["2001-04-01",43.84],["2001-07-01",48.38],["2001-10-01",47.68],["2002-01-01",74.94],["2002-04-01",46.84],["2002-07-01",54.04],["2002-10-01",53.5],["2003-01-01",58.14],["2003-04-01",46.16],["2003-07-01",49.3],["2003-10-01",53.04],["2004-01-01",50.96],["2004-04-01",45.02],["2004-07-01",45.7],["2004-10-01",54.0],["2005-01-01",47.18],["2005-04-01",41.7],["2005-07-01",43.68],["2005-10-01",47.4],["2006-01-01",48.92],["2006-04-01",48.62],["2006-07-01",55.06],["2006-10-01",65.18],["2007-01-01",78.9],["2007-04-01",70.52],["2007-07-01",99.14],["2007-10-01",109.22],["2008-01-01",130.04],["2008-04-01",136.64],["2008-07-01",132.24],["2008-10-01",123.94],["2009-01-01",144.42],["2009-04-01",154.36],["2009-07-01",133.54],["2009-10-01",130.36],["2010-01-01",116.34],["2010-04-01",122.46],["2010-07-01",118.02],["2010-10-01",114.88],["2011-01-01",91.46],["2011-04-01",68.96],["2011-07-01",62.14],["2011-10-01",71.08],["2012-01-01",67.68],["2012-04-01",60.56],["2012-07-01",56.02],["2012-10-01",50.88],["2013-01-01",40.16],["2013-04-01",41.66],["2013-07-01",35.5],["2013-10-01",34.8],["2014-01-01",30.78],["2014-04-01",23.7],["2014-07-01",22.2],["2014-10-01",24.94],["2015-01-01",23.04],["2015-04-01",19.08],["2015-07-01",18.4],["2015-10-01",20.2],["2016-01-01",17.76],["2016-04-01",15.6],["2016-07-01",15.48],["2016-10-01",15.4],["2017-01-01",17.42],["2017-04-01",14.46],["2017-07-01",12.74],["2017-10-01",12.96],["2018-01-01",13.86],["2018-04-01",13.16],["2018-07-01",11.68],["2018-10-01",12.46],["2019-01-01",12.28],["2019-04-01",12.3],["2019-07-01",10.58],["2019-10-01",13.5],["2020-01-01",14.36],["2020-04-01",3.16],["2020-07-01",1.94],["2020-10-01",1.68],["2021-01-01",1.18],["2021-04-01",0.96],["2021-07-01",0.94],["2021-10-01",0.98],["2022-01-01",3.9],["2022-04-01",6.04],["2022-07-01",5.18],["2022-10-01",6.56],["2023-01-01",7.08],["2023-04-01",7.3],["2023-07-01",7.18],["2023-10-01",7.36],["2024-01-01",8.18],["2024-04-01",7.06],["2024-07-01",7.48],["2024-10-01",8.32],["2025-01-01",10.74],["2025-04-01",9.5],["2025-07-01",10.0],["2025-10-01",11.28],["2026-01-01",11.56],["2026-04-01",10.52]]},"fc_age_40_49":{"label":"Ages 40\u201349","unit":"K","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",49.88],["2000-04-01",39.3],["2000-07-01",40.98],["2000-10-01",46.38],["2001-01-01",49.22],["2001-04-01",47.8],["2001-07-01",47.46],["2001-10-01",49.52],["2002-01-01",81.38],["2002-04-01",52.22],["2002-07-01",53.36],["2002-10-01",54.94],["2003-01-01",62.46],["2003-04-01",51.14],["2003-07-01",53.94],["2003-10-01",57.68],["2004-01-01",56.14],["2004-04-01",51.74],["2004-07-01",49.24],["2004-10-01",55.36],["2005-01-01",52.04],["2005-04-01",46.12],["2005-07-01",48.66],["2005-10-01",50.3],["2006-01-01",52.66],["2006-04-01",55.7],["2006-07-01",56.6],["2006-10-01",66.92],["2007-01-01",82.04],["2007-04-01",75.5],["2007-07-01",96.28],["2007-10-01",101.94],["2008-01-01",130.3],["2008-04-01",137.68],["2008-07-01",134.44],["2008-10-01",129.64],["2009-01-01",159.46],["2009-04-01",176.54],["2009-07-01",150.3],["2009-10-01",139.38],["2010-01-01",142.92],["2010-04-01",148.12],["2010-07-01",140.84],["2010-10-01",136.78],["2011-01-01",113.54],["2011-04-01",86.3],["2011-07-01",83.94],["2011-10-01",88.28],["2012-01-01",88.32],["2012-04-01",75.14],["2012-07-01",73.04],["2012-10-01",59.58],["2013-01-01",53.88],["2013-04-01",60.2],["2013-07-01",48.34],["2013-10-01",46.52],["2014-01-01",43.7],["2014-04-01",33.28],["2014-07-01",32.68],["2014-10-01",35.74],["2015-01-01",33.56],["2015-04-01",27.68],["2015-07-01",26.04],["2015-10-01",30.98],["2016-01-01",26.76],["2016-04-01",23.14],["2016-07-01",22.36],["2016-10-01",22.56],["2017-01-01",25.3],["2017-04-01",22.5],["2017-07-01",18.06],["2017-10-01",18.92],["2018-01-01",21.84],["2018-04-01",19.54],["2018-07-01",15.88],["2018-10-01",19.12],["2019-01-01",20.0],["2019-04-01",17.2],["2019-07-01",17.44],["2019-10-01",19.08],["2020-01-01",20.3],["2020-04-01",5.14],["2020-07-01",3.44],["2020-10-01",3.04],["2021-01-01",2.24],["2021-04-01",1.66],["2021-07-01",2.04],["2021-10-01",1.66],["2022-01-01",6.18],["2022-04-01",7.16],["2022-07-01",6.68],["2022-10-01",8.7],["2023-01-01",9.04],["2023-04-01",9.64],["2023-07-01",8.78],["2023-10-01",9.22],["2024-01-01",11.78],["2024-04-01",11.46],["2024-07-01",9.58],["2024-10-01",10.16],["2025-01-01",15.56],["2025-04-01",12.4],["2025-07-01",13.94],["2025-10-01",15.4],["2026-01-01",15.38],["2026-04-01",14.86]]},"fc_age_50_59":{"label":"Ages 50\u201359","unit":"K","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",27.1],["2000-04-01",19.32],["2000-07-01",20.5],["2000-10-01",23.72],["2001-01-01",26.46],["2001-04-01",25.92],["2001-07-01",26.08],["2001-10-01",24.8],["2002-01-01",46.32],["2002-04-01",28.6],["2002-07-01",30.66],["2002-10-01",30.26],["2003-01-01",33.56],["2003-04-01",29.02],["2003-07-01",30.6],["2003-10-01",32.4],["2004-01-01",33.24],["2004-04-01",30.88],["2004-07-01",30.06],["2004-10-01",30.2],["2005-01-01",31.98],["2005-04-01",27.3],["2005-07-01",29.64],["2005-10-01",29.62],["2006-01-01",32.72],["2006-04-01",33.96],["2006-07-01",34.42],["2006-10-01",37.32],["2007-01-01",48.86],["2007-04-01",44.16],["2007-07-01",58.88],["2007-10-01",60.52],["2008-01-01",78.86],["2008-04-01",84.48],["2008-07-01",81.34],["2008-10-01",79.7],["2009-01-01",107.14],["2009-04-01",119.5],["2009-07-01",103.16],["2009-10-01",100.26],["2010-01-01",102.6],["2010-04-01",108.9],["2010-07-01",103.96],["2010-10-01",99.9],["2011-01-01",86.44],["2011-04-01",67.76],["2011-07-01",61.54],["2011-10-01",66.82],["2012-01-01",69.48],["2012-04-01",60.8],["2012-07-01",56.94],["2012-10-01",49.34],["2013-01-01",45.12],["2013-04-01",50.36],["2013-07-01",42.5],["2013-10-01",37.12],["2014-01-01",36.98],["2014-04-01",28.16],["2014-07-01",29.04],["2014-10-01",30.1],["2015-01-01",27.96],["2015-04-01",23.4],["2015-07-01",22.86],["2015-10-01",27.02],["2016-01-01",25.58],["2016-04-01",20.44],["2016-07-01",19.64],["2016-10-01",19.34],["2017-01-01",23.04],["2017-04-01",22.26],["2017-07-01",17.82],["2017-10-01",17.66],["2018-01-01",18.68],["2018-04-01",19.52],["2018-07-01",16.14],["2018-10-01",16.64],["2019-01-01",16.64],["2019-04-01",16.04],["2019-07-01",16.34],["2019-10-01",17.26],["2020-01-01",17.98],["2020-04-01",6.78],["2020-07-01",4.3],["2020-10-01",3.66],["2021-01-01",2.72],["2021-04-01",1.58],["2021-07-01",2.42],["2021-10-01",1.98],["2022-01-01",5.0],["2022-04-01",7.22],["2022-07-01",5.88],["2022-10-01",7.2],["2023-01-01",7.24],["2023-04-01",7.96],["2023-07-01",7.74],["2023-10-01",9.22],["2024-01-01",9.58],["2024-04-01",11.22],["2024-07-01",9.3],["2024-10-01",9.14],["2025-01-01",13.94],["2025-04-01",11.74],["2025-07-01",12.72],["2025-10-01",12.16],["2026-01-01",12.28],["2026-04-01",11.46]]},"fc_age_60_69":{"label":"Ages 60\u201369","unit":"K","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",8.82],["2000-04-01",7.32],["2000-07-01",7.14],["2000-10-01",7.04],["2001-01-01",8.74],["2001-04-01",8.62],["2001-07-01",8.96],["2001-10-01",7.68],["2002-01-01",14.84],["2002-04-01",9.52],["2002-07-01",9.9],["2002-10-01",9.44],["2003-01-01",10.7],["2003-04-01",10.3],["2003-07-01",10.1],["2003-10-01",11.54],["2004-01-01",11.12],["2004-04-01",10.0],["2004-07-01",10.58],["2004-10-01",10.64],["2005-01-01",11.48],["2005-04-01",9.54],["2005-07-01",8.9],["2005-10-01",10.8],["2006-01-01",11.46],["2006-04-01",12.78],["2006-07-01",11.62],["2006-10-01",14.02],["2007-01-01",17.6],["2007-04-01",16.38],["2007-07-01",19.9],["2007-10-01",20.82],["2008-01-01",29.68],["2008-04-01",32.24],["2008-07-01",32.72],["2008-10-01",29.5],["2009-01-01",43.52],["2009-04-01",50.16],["2009-07-01",43.68],["2009-10-01",39.82],["2010-01-01",45.24],["2010-04-01",49.78],["2010-07-01",45.56],["2010-10-01",44.58],["2011-01-01",39.38],["2011-04-01",33.1],["2011-07-01",29.18],["2011-10-01",32.36],["2012-01-01",34.98],["2012-04-01",31.54],["2012-07-01",29.68],["2012-10-01",26.16],["2013-01-01",23.88],["2013-04-01",25.98],["2013-07-01",22.34],["2013-10-01",20.14],["2014-01-01",17.92],["2014-04-01",16.7],["2014-07-01",15.8],["2014-10-01",16.18],["2015-01-01",14.94],["2015-04-01",13.3],["2015-07-01",13.42],["2015-10-01",13.94],["2016-01-01",14.28],["2016-04-01",12.76],["2016-07-01",11.86],["2016-10-01",9.98],["2017-01-01",13.06],["2017-04-01",13.3],["2017-07-01",10.96],["2017-10-01",9.42],["2018-01-01",11.46],["2018-04-01",11.8],["2018-07-01",10.1],["2018-10-01",9.66],["2019-01-01",11.28],["2019-04-01",9.6],["2019-07-01",9.8],["2019-10-01",10.24],["2020-01-01",10.68],["2020-04-01",4.6],["2020-07-01",3.04],["2020-10-01",2.98],["2021-01-01",2.44],["2021-04-01",1.56],["2021-07-01",2.18],["2021-10-01",1.4],["2022-01-01",3.9],["2022-04-01",5.96],["2022-07-01",4.2],["2022-10-01",4.72],["2023-01-01",4.98],["2023-04-01",5.34],["2023-07-01",5.68],["2023-10-01",5.88],["2024-01-01",6.66],["2024-04-01",7.16],["2024-07-01",6.18],["2024-10-01",6.42],["2025-01-01",9.86],["2025-04-01",8.38],["2025-07-01",7.94],["2025-10-01",8.32],["2026-01-01",8.66],["2026-04-01",7.58]]},"fc_age_70plus":{"label":"Ages 70+","unit":"K","source":"New York Fed Consumer Credit Panel/Equifax","data":[["2000-01-01",6.34],["2000-04-01",4.62],["2000-07-01",5.36],["2000-10-01",6.36],["2001-01-01",5.94],["2001-04-01",6.1],["2001-07-01",6.72],["2001-10-01",6.16],["2002-01-01",9.08],["2002-04-01",6.72],["2002-07-01",6.26],["2002-10-01",6.38],["2003-01-01",6.56],["2003-04-01",6.36],["2003-07-01",6.9],["2003-10-01",6.42],["2004-01-01",7.06],["2004-04-01",6.56],["2004-07-01",6.14],["2004-10-01",6.36],["2005-01-01",7.08],["2005-04-01",6.46],["2005-07-01",6.38],["2005-10-01",6.48],["2006-01-01",7.04],["2006-04-01",7.02],["2006-07-01",7.24],["2006-10-01",7.3],["2007-01-01",8.86],["2007-04-01",7.62],["2007-07-01",9.96],["2007-10-01",9.64],["2008-01-01",12.86],["2008-04-01",13.72],["2008-07-01",13.8],["2008-10-01",12.08],["2009-01-01",19.34],["2009-04-01",19.48],["2009-07-01",17.86],["2009-10-01",16.24],["2010-01-01",18.86],["2010-04-01",21.36],["2010-07-01",18.46],["2010-10-01",18.7],["2011-01-01",17.42],["2011-04-01",13.56],["2011-07-01",13.34],["2011-10-01",14.66],["2012-01-01",18.54],["2012-04-01",15.5],["2012-07-01",14.26],["2012-10-01",13.22],["2013-01-01",12.76],["2013-04-01",14.16],["2013-07-01",11.8],["2013-10-01",10.7],["2014-01-01",10.44],["2014-04-01",10.16],["2014-07-01",9.78],["2014-10-01",10.36],["2015-01-01",9.08],["2015-04-01",8.52],["2015-07-01",8.16],["2015-10-01",8.14],["2016-01-01",9.44],["2016-04-01",8.36],["2016-07-01",8.36],["2016-10-01",8.28],["2017-01-01",8.94],["2017-04-01",10.0],["2017-07-01",7.58],["2017-10-01",7.32],["2018-01-01",8.16],["2018-04-01",8.66],["2018-07-01",8.14],["2018-10-01",7.06],["2019-01-01",7.92],["2019-04-01",8.1],["2019-07-01",7.72],["2019-10-01",8.46],["2020-01-01",8.82],["2020-04-01",3.52],["2020-07-01",2.84],["2020-10-01",2.46],["2021-01-01",2.38],["2021-04-01",2.16],["2021-07-01",1.86],["2021-10-01",2.48],["2022-01-01",4.42],["2022-04-01",7.24],["2022-07-01",4.88],["2022-10-01",5.38],["2023-01-01",5.58],["2023-04-01",6.48],["2023-07-01",4.84],["2023-10-01",6.22],["2024-01-01",6.12],["2024-04-01",7.88],["2024-07-01",6.74],["2024-10-01",4.92],["2025-01-01",9.08],["2025-04-01",8.06],["2025-07-01",6.88],["2025-10-01",7.84],["2026-01-01",7.82],["2026-04-01",7.68]]},"bank_delinq":{"label":"Bank single-family mortgages 30+ days late","unit":"%","source":"Federal Reserve (DRSFRMACBS)","data":[["1991-01-01",3.09],["1991-04-01",3.17],["1991-07-01",3.22],["1991-10-01",3.28],["1992-01-01",3.12],["1992-04-01",3.06],["1992-07-01",2.89],["1992-10-01",2.79],["1993-01-01",2.78],["1993-04-01",2.67],["1993-07-01",2.59],["1993-10-01",2.44],["1994-01-01",2.39],["1994-04-01",2.26],["1994-07-01",2.16],["1994-10-01",2.06],["1995-01-01",2.08],["1995-04-01",2.11],["1995-07-01",2.16],["1995-10-01",2.17],["1996-01-01",2.18],["1996-04-01",2.26],["1996-07-01",2.24],["1996-10-01",2.33],["1997-01-01",2.3],["1997-04-01",2.28],["1997-07-01",2.25],["1997-10-01",2.21],["1998-01-01",2.2],["1998-04-01",2.13],["1998-07-01",2.1],["1998-10-01",2.03],["1999-01-01",1.94],["1999-04-01",1.88],["1999-07-01",2.15],["1999-10-01",1.99],["2000-01-01",1.95],["2000-04-01",1.98],["2000-07-01",2.09],["2000-10-01",2.23],["2001-01-01",2.34],["2001-04-01",2.41],["2001-07-01",2.19],["2001-10-01",2.26],["2002-01-01",2.24],["2002-04-01",2.16],["2002-07-01",2.1],["2002-10-01",1.99],["2003-01-01",1.98],["2003-04-01",1.83],["2003-07-01",1.73],["2003-10-01",1.77],["2004-01-01",1.64],["2004-04-01",1.6],["2004-07-01",1.56],["2004-10-01",1.41],["2005-01-01",1.42],["2005-04-01",1.55],["2005-07-01",1.59],["2005-10-01",1.64],["2006-01-01",1.61],["2006-04-01",1.62],["2006-07-01",1.74],["2006-10-01",1.92],["2007-01-01",2.08],["2007-04-01",2.29],["2007-07-01",2.71],["2007-10-01",3.1],["2008-01-01",3.67],["2008-04-01",4.36],["2008-07-01",5.27],["2008-10-01",6.59],["2009-01-01",8.0],["2009-04-01",8.58],["2009-07-01",9.49],["2009-10-01",10.41],["2010-01-01",11.48],["2010-04-01",11.08],["2010-07-01",10.66],["2010-10-01",10.33],["2011-01-01",10.37],["2011-04-01",10.55],["2011-07-01",10.5],["2011-10-01",10.25],["2012-01-01",10.33],["2012-04-01",10.45],["2012-07-01",10.47],["2012-10-01",10.03],["2013-01-01",9.73],["2013-04-01",9.31],["2013-07-01",8.66],["2013-10-01",8.29],["2014-01-01",7.78],["2014-04-01",7.43],["2014-07-01",7.05],["2014-10-01",6.52],["2015-01-01",6.23],["2015-04-01",5.81],["2015-07-01",5.4],["2015-10-01",5.12],["2016-01-01",4.78],["2016-04-01",4.58],["2016-07-01",4.38],["2016-10-01",4.14],["2017-01-01",3.91],["2017-04-01",3.68],["2017-07-01",3.64],["2017-10-01",3.57],["2018-01-01",3.48],["2018-04-01",3.22],["2018-07-01",2.99],["2018-10-01",2.83],["2019-01-01",2.69],["2019-04-01",2.6],["2019-07-01",2.44],["2019-10-01",2.34],["2020-01-01",2.35],["2020-04-01",2.54],["2020-07-01",2.84],["2020-10-01",2.75],["2021-01-01",2.68],["2021-04-01",2.47],["2021-07-01",2.3],["2021-10-01",2.29],["2022-01-01",2.09],["2022-04-01",1.96],["2022-07-01",1.84],["2022-10-01",1.79],["2023-01-01",1.74],["2023-04-01",1.72],["2023-07-01",1.72],["2023-10-01",1.7],["2024-01-01",1.71],["2024-04-01",1.73],["2024-07-01",1.74],["2024-10-01",1.77],["2025-01-01",1.77],["2025-04-01",1.78],["2025-07-01",1.78],["2025-10-01",1.79],["2026-01-01",1.88],["2026-04-01",1.86]]},"bank_chargeoff":{"label":"Bank single-family mortgages charged off, annualized","unit":"%","source":"Federal Reserve (CORSFRMACBS)","data":[["1991-01-01",0.2],["1991-04-01",0.18],["1991-07-01",0.19],["1991-10-01",0.2],["1992-01-01",0.2],["1992-04-01",0.2],["1992-07-01",0.25],["1992-10-01",0.26],["1993-01-01",0.2],["1993-04-01",0.23],["1993-07-01",0.19],["1993-10-01",0.17],["1994-01-01",0.17],["1994-04-01",0.17],["1994-07-01",0.12],["1994-10-01",0.15],["1995-01-01",0.13],["1995-04-01",0.11],["1995-07-01",0.12],["1995-10-01",0.11],["1996-01-01",0.11],["1996-04-01",0.09],["1996-07-01",0.09],["1996-10-01",0.08],["1997-01-01",0.09],["1997-04-01",0.1],["1997-07-01",0.08],["1997-10-01",0.08],["1998-01-01",0.08],["1998-04-01",0.08],["1998-07-01",0.07],["1998-10-01",0.07],["1999-01-01",0.09],["1999-04-01",0.11],["1999-07-01",0.13],["1999-10-01",0.13],["2000-01-01",0.12],["2000-04-01",0.11],["2000-07-01",0.11],["2000-10-01",0.13],["2001-01-01",0.14],["2001-04-01",0.16],["2001-07-01",0.45],["2001-10-01",0.19],["2002-01-01",0.16],["2002-04-01",0.17],["2002-07-01",0.15],["2002-10-01",0.14],["2003-01-01",0.15],["2003-04-01",0.15],["2003-07-01",0.13],["2003-10-01",0.34],["2004-01-01",0.12],["2004-04-01",0.1],["2004-07-01",0.09],["2004-10-01",0.09],["2005-01-01",0.07],["2005-04-01",0.07],["2005-07-01",0.08],["2005-10-01",0.08],["2006-01-01",0.08],["2006-04-01",0.08],["2006-07-01",0.11],["2006-10-01",0.13],["2007-01-01",0.14],["2007-04-01",0.17],["2007-07-01",0.26],["2007-10-01",0.48],["2008-01-01",0.84],["2008-04-01",1.16],["2008-07-01",1.83],["2008-10-01",1.66],["2009-01-01",1.8],["2009-04-01",2.3],["2009-07-01",2.43],["2009-10-01",2.8],["2010-01-01",2.43],["2010-04-01",2.12],["2010-07-01",1.91],["2010-10-01",1.99],["2011-01-01",1.69],["2011-04-01",1.66],["2011-07-01",1.52],["2011-10-01",1.4],["2012-01-01",1.36],["2012-04-01",1.23],["2012-07-01",1.75],["2012-10-01",1.07],["2013-01-01",0.88],["2013-04-01",0.75],["2013-07-01",0.48],["2013-10-01",0.48],["2014-01-01",0.35],["2014-04-01",0.29],["2014-07-01",0.27],["2014-10-01",0.26],["2015-01-01",0.26],["2015-04-01",0.22],["2015-07-01",0.15],["2015-10-01",0.2],["2016-01-01",0.12],["2016-04-01",0.12],["2016-07-01",0.1],["2016-10-01",0.07],["2017-01-01",0.05],["2017-04-01",0.05],["2017-07-01",0.04],["2017-10-01",0.02],["2018-01-01",0.02],["2018-04-01",0.0],["2018-07-01",-0.02],["2018-10-01",0.0],["2019-01-01",0.0],["2019-04-01",-0.02],["2019-07-01",-0.04],["2019-10-01",0.01],["2020-01-01",-0.03],["2020-04-01",0.0],["2020-07-01",0.0],["2020-10-01",-0.03],["2021-01-01",-0.04],["2021-04-01",-0.04],["2021-07-01",-0.04],["2021-10-01",-0.02],["2022-01-01",-0.03],["2022-04-01",-0.02],["2022-07-01",-0.02],["2022-10-01",-0.02],["2023-01-01",-0.01],["2023-04-01",0.01],["2023-07-01",0.0],["2023-10-01",0.0],["2024-01-01",0.0],["2024-04-01",-0.01],["2024-07-01",-0.01],["2024-10-01",0.0],["2025-01-01",0.0],["2025-04-01",0.0],["2025-07-01",0.0],["2025-10-01",0.0],["2026-01-01",0.0],["2026-04-01",0.0]]},"rate":{"label":"30-year fixed mortgage rate","unit":"%","source":"Freddie Mac PMMS (MORTGAGE30US)","data":[["1993-01-01",7.86],["1993-02-01",7.53],["1993-03-01",7.5],["1993-04-01",7.43],["1993-05-01",7.5],["1993-06-01",7.34],["1993-07-01",7.25],["1993-08-01",6.97],["1993-09-01",6.95],["1993-10-01",6.86],["1993-11-01",7.31],["1993-12-01",7.13],["1994-01-01",6.97],["1994-02-01",7.32],["1994-03-01",7.8],["1994-04-01",8.32],["1994-05-01",8.53],["1994-06-01",8.46],["1994-07-01",8.57],["1994-08-01",8.56],["1994-09-01",8.82],["1994-10-01",9.03],["1994-11-01",9.25],["1994-12-01",9.18],["1995-01-01",9.13],["1995-02-01",8.73],["1995-03-01",8.38],["1995-04-01",8.26],["1995-05-01",7.85],["1995-06-01",7.53],["1995-07-01",7.79],["1995-08-01",7.88],["1995-09-01",7.62],["1995-10-01",7.45],["1995-11-01",7.35],["1995-12-01",7.11],["1996-01-01",7.0],["1996-02-01",7.32],["1996-03-01",7.69],["1996-04-01",7.92],["1996-05-01",8.03],["1996-06-01",8.29],["1996-07-01",8.19],["1996-08-01",8.09],["1996-09-01",8.16],["1996-10-01",7.86],["1996-11-01",7.52],["1996-12-01",7.64],["1997-01-01",7.88],["1997-02-01",7.65],["1997-03-01",7.97],["1997-04-01",8.08],["1997-05-01",7.94],["1997-06-01",7.58],["1997-07-01",7.43],["1997-08-01",7.58],["1997-09-01",7.28],["1997-10-01",7.21],["1997-11-01",7.17],["1997-12-01",6.99],["1998-01-01",7.12],["1998-02-01",7.09],["1998-03-01",7.08],["1998-04-01",7.15],["1998-05-01",7.07],["1998-06-01",6.96],["1998-07-01",6.97],["1998-08-01",6.92],["1998-09-01",6.64],["1998-10-01",6.83],["1998-11-01",6.78],["1998-12-01",6.83],["1999-01-01",6.74],["1999-02-01",6.89],["1999-03-01",6.98],["1999-04-01",6.93],["1999-05-01",7.23],["1999-06-01",7.63],["1999-07-01",7.7],["1999-08-01",7.8],["1999-09-01",7.76],["1999-10-01",7.96],["1999-11-01",7.75],["1999-12-01",8.06],["2000-01-01",8.25],["2000-02-01",8.31],["2000-03-01",8.23],["2000-04-01",8.13],["2000-05-01",8.62],["2000-06-01",8.22],["2000-07-01",8.13],["2000-08-01",7.99],["2000-09-01",7.88],["2000-10-01",7.68],["2000-11-01",7.73],["2000-12-01",7.13],["2001-01-01",7.15],["2001-02-01",7.12],["2001-03-01",6.91],["2001-04-01",7.12],["2001-05-01",7.2],["2001-06-01",7.11],["2001-07-01",7.03],["2001-08-01",6.92],["2001-09-01",6.72],["2001-10-01",6.64],["2001-11-01",7.02],["2001-12-01",7.16],["2002-01-01",6.96],["2002-02-01",6.81],["2002-03-01",7.18],["2002-04-01",6.88],["2002-05-01",6.76],["2002-06-01",6.55],["2002-07-01",6.34],["2002-08-01",6.22],["2002-09-01",5.99],["2002-10-01",6.31],["2002-11-01",6.13],["2002-12-01",5.93],["2003-01-01",5.9],["2003-02-01",5.79],["2003-03-01",5.91],["2003-04-01",5.79],["2003-05-01",5.31],["2003-06-01",5.24],["2003-07-01",5.94],["2003-08-01",6.32],["2003-09-01",5.98],["2003-10-01",5.94],["2003-11-01",5.89],["2003-12-01",5.85],["2004-01-01",5.68],["2004-02-01",5.58],["2004-03-01",5.4],["2004-04-01",6.01],["2004-05-01",6.32],["2004-06-01",6.25],["2004-07-01",6.08],["2004-08-01",5.82],["2004-09-01",5.72],["2004-10-01",5.64],["2004-11-01",5.72],["2004-12-01",5.81],["2005-01-01",5.66],["2005-02-01",5.69],["2005-03-01",6.04],["2005-04-01",5.78],["2005-05-01",5.65],["2005-06-01",5.53],["2005-07-01",5.77],["2005-08-01",5.77],["2005-09-01",5.91],["2005-10-01",6.15],["2005-11-01",6.28],["2005-12-01",6.22],["2006-01-01",6.12],["2006-02-01",6.26],["2006-03-01",6.35],["2006-04-01",6.58],["2006-05-01",6.62],["2006-06-01",6.78],["2006-07-01",6.72],["2006-08-01",6.44],["2006-09-01",6.31],["2006-10-01",6.4],["2006-11-01",6.14],["2006-12-01",6.18],["2007-01-01",6.25],["2007-02-01",6.22],["2007-03-01",6.16],["2007-04-01",6.16],["2007-05-01",6.42],["2007-06-01",6.67],["2007-07-01",6.69],["2007-08-01",6.45],["2007-09-01",6.42],["2007-10-01",6.33],["2007-11-01",6.1],["2007-12-01",6.17],["2008-01-01",5.68],["2008-02-01",6.24],["2008-03-01",5.85],["2008-04-01",6.03],["2008-05-01",6.08],["2008-06-01",6.45],["2008-07-01",6.52],["2008-08-01",6.4],["2008-09-01",6.09],["2008-10-01",6.46],["2008-11-01",5.97],["2008-12-01",5.1],["2009-01-01",5.1],["2009-02-01",5.07],["2009-03-01",4.85],["2009-04-01",4.78],["2009-05-01",4.91],["2009-06-01",5.42],["2009-07-01",5.25],["2009-08-01",5.14],["2009-09-01",5.04],["2009-10-01",5.03],["2009-11-01",4.78],["2009-12-01",5.14],["2010-01-01",4.98],["2010-02-01",5.05],["2010-03-01",4.99],["2010-04-01",5.06],["2010-05-01",4.78],["2010-06-01",4.69],["2010-07-01",4.54],["2010-08-01",4.36],["2010-09-01",4.32],["2010-10-01",4.23],["2010-11-01",4.4],["2010-12-01",4.86],["2011-01-01",4.8],["2011-02-01",4.95],["2011-03-01",4.86],["2011-04-01",4.78],["2011-05-01",4.6],["2011-06-01",4.51],["2011-07-01",4.55],["2011-08-01",4.22],["2011-09-01",4.01],["2011-10-01",4.1],["2011-11-01",3.98],["2011-12-01",3.95],["2012-01-01",3.98],["2012-02-01",3.95],["2012-03-01",3.99],["2012-04-01",3.88],["2012-05-01",3.75],["2012-06-01",3.66],["2012-07-01",3.49],["2012-08-01",3.59],["2012-09-01",3.4],["2012-10-01",3.41],["2012-11-01",3.32],["2012-12-01",3.35],["2013-01-01",3.53],["2013-02-01",3.51],["2013-03-01",3.57],["2013-04-01",3.4],["2013-05-01",3.81],["2013-06-01",4.46],["2013-07-01",4.31],["2013-08-01",4.51],["2013-09-01",4.32],["2013-10-01",4.1],["2013-11-01",4.29],["2013-12-01",4.48],["2014-01-01",4.32],["2014-02-01",4.37],["2014-03-01",4.4],["2014-04-01",4.33],["2014-05-01",4.12],["2014-06-01",4.14],["2014-07-01",4.12],["2014-08-01",4.1],["2014-09-01",4.2],["2014-10-01",3.98],["2014-11-01",3.97],["2014-12-01",3.87],["2015-01-01",3.66],["2015-02-01",3.8],["2015-03-01",3.69],["2015-04-01",3.68],["2015-05-01",3.87],["2015-06-01",4.02],["2015-07-01",3.98],["2015-08-01",3.84],["2015-09-01",3.86],["2015-10-01",3.76],["2015-11-01",3.95],["2015-12-01",4.01],["2016-01-01",3.79],["2016-02-01",3.62],["2016-03-01",3.71],["2016-04-01",3.66],["2016-05-01",3.64],["2016-06-01",3.48],["2016-07-01",3.48],["2016-08-01",3.43],["2016-09-01",3.42],["2016-10-01",3.47],["2016-11-01",4.03],["2016-12-01",4.32],["2017-01-01",4.19],["2017-02-01",4.16],["2017-03-01",4.14],["2017-04-01",4.03],["2017-05-01",3.95],["2017-06-01",3.88],["2017-07-01",3.92],["2017-08-01",3.82],["2017-09-01",3.83],["2017-10-01",3.94],["2017-11-01",3.9],["2017-12-01",3.99],["2018-01-01",4.15],["2018-02-01",4.4],["2018-03-01",4.44],["2018-04-01",4.58],["2018-05-01",4.56],["2018-06-01",4.55],["2018-07-01",4.54],["2018-08-01",4.52],["2018-09-01",4.72],["2018-10-01",4.86],["2018-11-01",4.81],["2018-12-01",4.55],["2019-01-01",4.46],["2019-02-01",4.35],["2019-03-01",4.06],["2019-04-01",4.2],["2019-05-01",3.99],["2019-06-01",3.73],["2019-07-01",3.75],["2019-08-01",3.58],["2019-09-01",3.64],["2019-10-01",3.78],["2019-11-01",3.68],["2019-12-01",3.74],["2020-01-01",3.51],["2020-02-01",3.45],["2020-03-01",3.5],["2020-04-01",3.23],["2020-05-01",3.15],["2020-06-01",3.13],["2020-07-01",2.99],["2020-08-01",2.91],["2020-09-01",2.9],["2020-10-01",2.81],["2020-11-01",2.72],["2020-12-01",2.67],["2021-01-01",2.73],["2021-02-01",2.97],["2021-03-01",3.17],["2021-04-01",2.98],["2021-05-01",2.95],["2021-06-01",3.02],["2021-07-01",2.8],["2021-08-01",2.87],["2021-09-01",3.01],["2021-10-01",3.14],["2021-11-01",3.1],["2021-12-01",3.11],["2022-01-01",3.55],["2022-02-01",3.89],["2022-03-01",4.67],["2022-04-01",5.1],["2022-05-01",5.1],["2022-06-01",5.7],["2022-07-01",5.3],["2022-08-01",5.55],["2022-09-01",6.7],["2022-10-01",7.08],["2022-11-01",6.58],["2022-12-01",6.42],["2023-01-01",6.13],["2023-02-01",6.5],["2023-03-01",6.32],["2023-04-01",6.43],["2023-05-01",6.57],["2023-06-01",6.71],["2023-07-01",6.81],["2023-08-01",7.18],["2023-09-01",7.31],["2023-10-01",7.79],["2023-11-01",7.22],["2023-12-01",6.61],["2024-01-01",6.69],["2024-02-01",6.94],["2024-03-01",6.79],["2024-04-01",7.17],["2024-05-01",7.03],["2024-06-01",6.86],["2024-07-01",6.78],["2024-08-01",6.35],["2024-09-01",6.08],["2024-10-01",6.72],["2024-11-01",6.81],["2024-12-01",6.85],["2025-01-01",6.95],["2025-02-01",6.76],["2025-03-01",6.65],["2025-04-01",6.81],["2025-05-01",6.89],["2025-06-01",6.77],["2025-07-01",6.72],["2025-08-01",6.56],["2025-09-01",6.3],["2025-10-01",6.17],["2025-11-01",6.23],["2025-12-01",6.15],["2026-01-01",6.1],["2026-02-01",5.98],["2026-03-01",6.38],["2026-04-01",6.3],["2026-05-01",6.53],["2026-06-01",6.49],["2026-07-01",6.66],["2026-08-01",6.66],["2026-09-01",7.03],["2026-10-01",7.4]]}},"updated_on":"2026-10-19"}