Market Intelligence

Credit market intelligence.

Real-time rates, economic indicators, and expert analysis. The data you need to make informed financial decisions.

30Y Mortgage

6.73%

Avg FICO

718

CC APR

24.61%

Updated Daily

Current interest rates

The rates you pay depend directly on your credit score. Better credit means thousands saved over the life of a loan.

30-Year Fixed Mortgage

6.73%-0.12%

15-Year Fixed Mortgage

5.98%-0.08%

Average Credit Card APR

24.61%+0.15%

New Auto Loan (60 mo)

7.18%-0.05%

Used Auto Loan (48 mo)

8.42%+0.03%

Student Loan (Federal)

6.53%0.00%

Personal Loan (Avg)

12.35%-0.22%

Home Equity Loan

8.59%-0.09%

Rates shown are national averages and may vary by lender, location, and credit profile. Updated March 2026.

Economic Indicators

Credit market overview

Key metrics that shape the credit landscape and affect your financial opportunities.

Average FICO Score

718+3

U.S. National Average

Consumer Debt

$17.69T+2.1%

Total Outstanding

Delinquency Rate

3.6%+0.4%

90+ Days Past Due

Credit Card Debt

$1.17T+4.8%

Total Outstanding

Mortgage Originations

$1.8T-12%

Annual Volume

Auto Loan Defaults

2.8%+0.3%

60+ Days Delinquent

National Data

FICO score distribution

Where does your score fall? Understanding the national distribution helps you see where you stand and what's achievable with professional credit repair.

800–850

Exceptional21%

740–799

Very Good25%

670–739

Good21%

580–669

Fair18%

300–579

Poor15%

Source: FICO, Experian. U.S. consumer credit score distribution.

The Cost of Bad Credit

What your score is costing you

See how much you could save over the life of each loan by improving your credit score.

ProductPoorGoodSavings

Mortgage ($350K)$2,450/mo$2,180/mo$169,200

Auto Loan ($35K)$720/mo$640/mo$8,400

Credit Card ($10K)$280/mo$210/mo$15,600

Personal Loan ($20K)$520/mo$420/mo$9,600

Estimates based on national average rates for each credit tier. Actual savings depend on individual circumstances, loan terms, and lender.

Expert Analysis

Market insights

Expert analysis of trends and policy changes that affect your credit.

Federal Reserve

Fed Holds Rates Steady, Signals Potential Cuts Later This Year

The Federal Reserve maintained the federal funds rate at 4.25%–4.50% at its March meeting, citing continued progress on inflation while acknowledging economic uncertainty. Markets are pricing in two rate cuts by year-end.

Mar 20264 minFavorable

Credit Cards

Credit Card APRs Hit Record Highs Despite Rate Pause

Average credit card interest rates have climbed to 24.61%, the highest on record. While the Fed has paused rate hikes, card issuers have widened their margins, making debt payoff strategies more critical than ever.

Mar 20263 minUnfavorable

Consumer Credit

National Average FICO Score Reaches 718

The national average FICO score has risen to 718, continuing a multi-year upward trend. Improved financial literacy, wider access to credit monitoring tools, and professional credit repair services have contributed to this improvement.

Feb 20265 minFavorable

Housing Market

Mortgage Rates Dip Below 7% as Bond Yields Decline

The average 30-year fixed mortgage rate has fallen to 6.73%, creating new opportunities for homebuyers who have recently improved their credit scores.

Mar 20264 minFavorable

Auto Lending

Auto Loan Delinquencies Rise Among Subprime Borrowers

Auto loan delinquencies among subprime borrowers have risen to 2.8%, the highest level since 2019. Experts recommend improving credit scores before applying for auto financing.

Feb 20263 minUnfavorable

Regulation

CFPB Proposes New Rules to Limit Medical Debt on Credit Reports

The CFPB has proposed regulations that would remove most medical debt from credit reports. An estimated 15 million Americans could see their credit scores improve by 20–40 points.

Jan 20266 minFavorable

Knowledge meets action.

Understanding the market is the first step. Let our experts help you improve your credit score and unlock better rates on every financial product.