US New Consumer Loans by Credit Score
US new consumer loans by credit score and age, tracking monthly credit originations from the CFPB.
| Indicator | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | 10-2025 | 09-2025 | 08-2025 | 07-2025 | 06-2025 | 05-2025 | 04-2025 | 03-2025 | 02-2025 | 01-2025 | 12-2024 | 11-2024 | 10-2024 | 09-2024 | 08-2024 | 07-2024 | 06-2024 | 05-2024 | 04-2024 | 03-2024 | 02-2024 | 01-2024 | 12-2023 | 11-2023 | 10-2023 | 09-2023 | 08-2023 | 07-2023 | 06-2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| NEW LOAN ORIGINATIONS4 | ||||||||||||||||||||||||||||||||||||||
| Auto loans | 2,211,139.84 | 2,217,892 | 2,205,355.17 | 2,221,699.09 | 2,198,772.36 | 2,240,727.34 | 2,222,394.95 | 2,197,290.42 | 2,166,455.86 | 2,122,418.43 | 2,243,847.72 | 2,277,988.53 | 2,103,815.6 | 2,158,484.84 | 2,225,560.06 | 2,211,182.43 | 2,177,451.82 | 2,098,796.83 | 2,109,608.43 | 2,125,850.33 | 2,060,886.64 | 2,098,433.76 | 2,030,735.91 | 2,032,337.9 | 2,063,156.85 | 2,059,383.94 | 2,081,891.16 | 2,035,118.33 | 2,040,334.68 | 2,076,385 | 2,087,359.43 | 2,059,559.13 | 2,069,862.58 | |||||
| Credit cards | 8,169,592.8 | 8,602,743.89 | 8,344,732.22 | 8,242,352.21 | 8,026,141.17 | 7,977,319.8 | 7,903,441.4 | 7,657,526.83 | 7,297,264.79 | 7,490,776.35 | 7,616,590.62 | 7,317,097.47 | 7,093,094.8 | 7,267,129.26 | 7,405,290.44 | 7,083,265.3 | 7,013,848.31 | 6,948,553.33 | 6,903,996.86 | 6,796,326.93 | 6,868,349.95 | 6,762,053.95 | 6,762,124.04 | 6,800,653.5 | 6,885,804.46 | 6,703,130.22 | 6,769,120.2 | 6,807,183.28 | 6,883,757.83 | 6,888,632.19 | 6,993,123.52 | 7,217,918.55 | 7,105,397.87 | |||||
| Mortgages | 498,850.92 | 482,846.56 | 477,971.37 | 465,074.37 | 446,491.15 | 422,022.5 | 400,614.15 | 397,225.59 | 398,686.86 | 403,870.44 | 403,263.55 | 384,917.38 | 371,137.52 | 375,593.38 | 398,902.58 | 407,027.58 | 411,104.64 | 392,177.34 | 394,333.31 | 390,855.88 | 372,363.14 | 371,879.98 | 360,975.85 | 358,238.44 | 354,933.43 | 339,418.14 | 318,722.09 | 314,518.13 | 314,754.21 | 346,277.42 | 368,045.54 | 376,188.56 | 397,087.87 | |||||
| Student loans | 2,787,573.69 | 2,542,650.94 | 11,679,720.87 | 8,626,552.39 | 2,316,565.57 | 1,176,999.86 | 1,176,198.03 | 1,187,022.91 | 1,204,276.63 | 1,297,576.44 | 1,217,185.69 | 1,175,279.22 | 1,171,468.8 | 1,444,192.36 | 1,154,277.95 | 1,142,952.77 | 1,153,392.9 | 1,168,309.77 | 1,147,381.02 | 1,175,754.02 | 1,434,693.28 | 1,193,739.43 | 1,269,228.3 | 1,223,322.66 | 1,230,785.65 | 1,245,434.45 | 1,269,136.71 | 1,268,455.02 | 1,222,765.72 | 1,183,679.45 | 1,181,523.75 | 1,242,792.59 | 1,155,108.68 | |||||
| Disbursement Value4 | ||||||||||||||||||||||||||||||||||||||
| Auto loans | 69.6 | 69.22 | 69.34 | 69.37 | 68.64 | 68.48 | 68.01 | 67.69 | 66.23 | 65.36 | 69.74 | 68.98 | 63.62 | 64.75 | 67.22 | 66.65 | 65.22 | 62.35 | 62.42 | 62.69 | 60.59 | 62.23 | 60.72 | 59.81 | 60.6 | 60.73 | 61.71 | 60.38 | 60.2 | 62.13 | 62.53 | 62.07 | 62.44 | |||||
| Credit cards | 48.71 | 56.18 | 47.63 | 46.16 | 44.64 | 45.18 | 44.69 | 43.19 | 41.88 | 42.8 | 43.44 | 41.34 | 39.54 | 39.93 | 42.14 | 59.71 | 40.99 | 40.68 | 41.45 | 40.59 | 41.9 | 40.16 | 39.61 | 40.64 | 41.35 | 40.47 | 40.98 | 40.84 | 41.24 | 41.81 | 42.27 | 43.5 | 42.13 | |||||
| Mortgages | 204.21 | 192.3 | 188.95 | 183.47 | 172.73 | 159.5 | 149.47 | 146.26 | 147.93 | 148.56 | 149.5 | 140.96 | 133.38 | 137.71 | 145.8 | 149.51 | 151.36 | 140.25 | 140.76 | 138.89 | 130.01 | 128.5 | 124.3 | 123.18 | 121.45 | 116.11 | 105.13 | 104.95 | 105.29 | 115.28 | 124.32 | 127.18 | 131.06 | |||||
| Student loans | 23.55 | 21.93 | 51.52 | 50.69 | 20.25 | 12.81 | 12.93 | 12.48 | 11.46 | 12.37 | 9.61 | 10.34 | 11.11 | 11.98 | 11.2 | 10.95 | 10.36 | 11.31 | 11.99 | 14.31 | 16.96 | 19.79 | 17.31 | 14.52 | 14.84 | 14.54 | 14.33 | 14.6 | 17.82 | 13.33 | 12.04 | 10.85 | 10.27 | |||||
| Credit Tightening Index3 | ||||||||||||||||||||||||||||||||||||||
| Auto loans | 82.01 | 80.68 | 81.04 | 81.32 | 81.75 | 81.31 | 81.08 | 82.06 | 81.89 | 82.54 | 82.72 | 83.11 | 83.48 | 83.12 | 83.3 | 84.55 | 83.29 | 82.95 | 85.14 | 85.22 | 85.02 | 85.38 | 86.01 | 86.24 | 87.08 | 86.36 | 87.01 | 86.34 | 87.19 | 88.08 | 88.72 | 86.77 | 88.52 | 88.74 | 88.77 | |||
| Credit cards | 79.92 | 78.64 | 79.04 | 78.64 | 79.12 | 79.09 | 79.18 | 79.11 | 78.74 | 77.28 | 79.07 | 78.22 | 78.1 | 78.05 | 79.79 | 78.25 | 79.38 | 78.33 | 78.65 | 79.49 | 79.35 | 80.13 | 80.99 | 82.28 | 82.13 | 82.68 | 82.05 | 82.59 | 81.94 | 83.96 | 87.76 | 83.59 | 83.21 | 83.59 | 82.55 | |||
| Mortgages | 89.37 | 82.95 | 82.26 | 82.23 | 82.09 | 81.19 | 82.07 | 83.86 | 85.36 | 85.9 | 84.84 | 86.01 | 84.3 | 86.38 | 88.63 | 88.13 | 90.18 | 89.63 | 88.92 | 90.03 | 90.39 | 90.35 | 91.23 | 92.15 | 92.4 | 92.47 | 92.95 | 95.41 | 96.3 | 97.12 | 98.73 | 98.47 | 98.93 | 97.72 | ||||
| Credit Inquiry Index (Loan Demand)3 | ||||||||||||||||||||||||||||||||||||||
| Auto loans | 258.83 | 248.3 | 252.24 | 255.3 | 257.7 | 263.37 | 266.84 | 262.84 | 261.55 | 267.63 | 262.75 | 264.4 | 260.55 | 261.93 | 265.7 | 268 | 252.31 | 258.73 | 265.51 | 270.75 | 268.18 | 254.07 | 265.14 | 261.67 | 257.09 | 264.16 | 258.87 | 246.99 | 261.98 | 255.27 | 259.27 | 253.07 | 253.79 | 260.28 | 259.36 | 261.09 | 263.07 | |
| Credit cards | 223.36 | 224.27 | 223.06 | 226.08 | 231.05 | 232.72 | 242.34 | 232.68 | 229.99 | 232.72 | 234.16 | 229.17 | 229.91 | 235.86 | 241.1 | 236.02 | 231.58 | 236.32 | 238.25 | 235.76 | 239.91 | 246.28 | 246.75 | 253.5 | 255.54 | 255.14 | 258.51 | 264.85 | 276.04 | 268.97 | 273.66 | 281.18 | 293.35 | 280.71 | 279.65 | 300.84 | 285.42 | |
| Mortgages | 50.04 | 51.27 | 52.16 | 52.31 | 52.54 | 51.17 | 53.01 | 54.42 | 53.91 | 55.75 | 51.27 | 51.99 | 51.04 | 51.45 | 51.2 | 51.76 | 49.26 | 47.58 | 51.11 | 51.65 | 54.04 | 58.16 | 54.07 | 53.03 | 53.74 | 54.11 | 55.02 | 52.62 | 56.13 | 51.83 | 52.94 | 51.15 | 48.25 | 52.35 | 54.37 | 58.02 | 62.22 | |
| By Credit Score2 | ||||||||||||||||||||||||||||||||||||||
| NUMBER OF NEW LOANS OPENED4 | ||||||||||||||||||||||||||||||||||||||
| DISBURSEMENT VALUE4 | ||||||||||||||||||||||||||||||||||||||
| By Age2 | ||||||||||||||||||||||||||||||||||||||
| NUMBER OF NEWLY OPENED LOANS4 | ||||||||||||||||||||||||||||||||||||||
| DISBURSEMENT VALUE4 |
Latest reading
Credit cards stood at 8,169,592.8 Loans in Feb 2026. That is −5.0% from Jan 2026 and +15.2% from a year earlier. The series on this page is monthly and runs from Jan 2006 to Feb 2026. Source: Consumer Financial Protection Bureau (Consumer Credit Trends).
- Latest
- 8,169,592.8 Loans
- Feb 2026
- vs previous period
- −5.0%
- Jan 2026
- vs a year earlier
- +15.2%
About this data
US new consumer loans by credit score and age, tracking monthly credit originations from the CFPB. It covers auto loans, student loans, mortgages, and credit cards broken down by disbursement value, credit score tiers, and borrower age groups. Data is available monthly since 2005 from the Consumer Financial Protection Bureau. The table includes behavioral indicators like the Credit Tightening Index and Credit Inquiry Index.
Frequently asked questions
- What does the US New Consumer Loans by Credit Score and Age table measure?
- It measures the monthly volume and value of newly opened credit accounts in the United States, including auto loans, student loans, mortgages, and credit cards, categorized by borrower age and credit score tiers.
- How often is this consumer credit data published and how far back does it go?
- The data is published monthly by the Consumer Financial Protection Bureau and historical series begin in 2005.
- What specific breakdowns are available in this table?
- The table includes breakdowns by loan category such as auto loans, student loans, mortgages, and credit cards, alongside credit score groups from subprime to superprime and age brackets starting from under thirty.
- How does this table differ from Federal Reserve consumer credit measures?
- While Federal Reserve measures track total credit stock, this CFPB table measures new credit flow and originations, capturing leading indicators like the credit tightening and inquiry indices.
