WHAT'S IMPORTANT NOW
WINTER 2026
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Week of February 15, 2026
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Total household debt increased by nearly $200bn in the fourth quarter of 2025, topping out at almost $19 trillion according to the NY Federal Reserve. Mortgages continue to hold the lion's share at $13 trillion with credit cards, auto loans, student loans, and HELOC balances contributing another $5 trillion.
While the increase in itself isn't particularly noteworthy (as it has been setting new records annually), what is alarming is that serious delinquencies continue to rise across all consumers. The NY Fed report reveals that 4.8% of all household debt is now in some form of delinquency, the highest level since 2017. Of note, 13% of FHFA borrowers aren't current on their loans and auto and card loans for low-income borrowers show serious delinquency levels not seen since the 2009 crisis.
The stress isn't just being felt by low-income borrowers as many more affluent consumers have been seeking out credit counseling agencies who report their average client earns $70,000/year and has $35,000 in unsecured debt -- a notable increase from pre-pandemic clients earning $40,000/year with $10,000 in unsecured debt.
During all markets, but especially in volatile times, your business needs to ensure
it is being managed properly and conservatively to yield success today and for generations.
HedgeAdvisory can help through our proven proprietary hedging software
and consultative approach to managing risk.
Call us today at (410) 207-9907 to set up an appointment.
HedgeAdvisory
Real-Time Data
Real-Time Analytics
Better Loan Sale Decisioning
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The Volatile Rate Environment
With markets in flux, now is the time to utilize an active hedging strategy.
The Solution: HedgeAdvisor
Our hedging toolkit simplifies the hedging process through transparent, reliable, and accurate data reporting which will have you ready to hedge in just 30 days. Plus, no personally identifiable information (PII) is ever exchanged or transmitted.
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The Advantage: HedgeAdvisory Services
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Get the most revenue from the business you originate while maintaining safety and soundness
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Lead clients' efforts in submitting and obtaining agency approvals, agency set-up, committing, delivery, and securitization
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Transition clients from best efforts service-released to mandatory servicing-retained
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Assess clients' risk tolerances and provide risk-management strategies
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Create custom reporting for accounting, operations, production support, and agency securitizations
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Expand product offerings
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Devise hedging and loan sale strategies
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Design products and procedures for each client's needs
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Our team works with you every step of the way to manage market fluctuations
Contact us at: (410) 207-9907