Statistics & Research
Sourced statistics on consumer credit, debt, and lending.
Reference statistics drawn from federal sources - credit scores, consumer debt categories, lending behavior, and financial literacy.
All Articles (10)
Average Credit Score Statistics
Average FICO scores in the United States have trended in the high-600s to low-700s over recent years, with VantageScore distributions running similarly.
Consumer Debt Statistics
U.S. household debt has trended above $17 trillion in recent reports - with mortgage debt the largest component, followed by student loans, auto loans, and credit card debt.
Mortgage Debt Statistics
Mortgage debt is the largest single category of U.S. household debt - with origination and delinquency patterns reflecting broader housing-market conditions.
Credit Card Debt Statistics
Aggregate U.S. credit card debt has trended above $1 trillion in recent reports, with average balances per cardholder varying widely by income and age cohort.
Student Loan Statistics
Aggregate U.S. student loan debt has trended above $1.7 trillion in recent reports - the second largest household debt category after mortgages.
Credit Utilization Statistics
Average credit card utilization in the United States has commonly been reported in the high-20s percent - well above the under-10% range often associated with top-tier scoring outcomes.
Business Credit Statistics
Small-business credit access varies sharply by firm age and credit profile - with most early-stage firms relying on owner personal credit rather than independent business credit.
Small Business Lending Statistics
Small-business lending volume is split across large banks, small banks, online lenders, and SBA-backed channels - with approval rates and average sizes varying meaningfully across these channels.
Financial Literacy Statistics
Financial-literacy surveys consistently report that a meaningful share of U.S. adults struggle with basic questions about interest, inflation, and risk diversification.
Wealth and Credit Statistics
Households with stronger credit profiles tend to hold more wealth - driven by lower lifetime interest costs, higher rates of homeownership, and better access to productive credit.