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- 🚨US credit rejection rates are surging at a concerning pace
🚨US credit rejection rates are surging at a concerning pace
Access to credit in the world's largest economy is still getting worse
Global Markets Investor
December 03, 2025
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US consumer rejection rates for credit cards, credit card limit increases, mortgages, auto loans, and other loans jumped to 25% over the last 12 months, the highest since the NY Fed data began in 2013..
The rate has surged +11 percentage points since 2019.
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This comes as the rejection rate for mortgage refinance spiked to 45.7%, an all-time high, while mortgage rejection rates hit 23.0%, the largest since 2015.
The rejection rate for auto loans reached 15.2%, the 2nd-highest on record. Meanwhile, credit card rejection rates held steady at 21.2%, below the 26.3% peak seen in February 2021.
It has rarely been this tough to access credit in the US.
As a reminder, rising rejection rates often signal less debt and slower consumer spending, especially for bottom 50% income households and the middle class.
More on the financial shape of US consumers in the following piece.
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