LendingTree Finds Consumer Debt Up 3.7% to $139,659, Maryland Rises 10.3%
LendingTree’s analysis shows average U.S. consumer debt climbed 3.7% to $139,659 between Q3 2024 and Q3 2025. Maryland led with a 10.3% jump to $187,750, while Nevada and Idaho saw increases of nearly 10% and 9.3% respectively.
1. Overall Consumer Debt Increase
LendingTree’s latest data shows total U.S. consumer debt rose by 3.7% from $134,495 in Q3 2024 to $139,659 in Q3 2025. This increase reflects rising balances across mortgages, personal loans and credit cards as housing costs remain elevated and interest rates stay above historic lows.
2. State-Level Variations
Maryland experienced the largest surge, with average total debt jumping 10.3% to $187,750. Nevada followed with a nearly 10% rise to $163,999, while Idaho recorded a 9.3% increase to $161,941. Only Missouri saw a slight 0.3% decline in average borrower debt.
3. Business Implications for LendingTree
Rising consumer debt could drive higher demand for LendingTree’s loan comparison services as households seek refinancing or consolidation options. However, elevated balances and interest costs may also raise credit risk and repayment strain, influencing LendingTree’s loan referral volumes and credit quality metrics.