In this episode, Vadim takes a wide-angle look at U.S. household finances, combining the latest TransUnion credit trends with the Federal Reserve’s Distribution of Financial Accounts ("DFA"). He unpacks how early 2024’s spike in delinquencies has given way to broad improvement, why certain regions like Utah, DC, and Texas are worth watching, and what’s really behind shifts in credit card balances and limits. Vadim also examines the Fed’s puzzling real estate valuations, the migration from bank deposits to higher-yield assets, and the stark gap between consumer sentiment and near-record highs in net worth and income.

Subscribe to our free research to stay up-to-date on the latest trends. Contact [email protected] to learn how dv01 data can help you understand what's going on in the market, and to better analyze your whole loan portfolio and securitizations.