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Rates Up, Balances Up: Uneven Monetary Transmission in Consumer Credit Markets

Graph Appendix

Authors
Affiliations

Viraj R. Chordiya

Gies College of Business, University of Illinois Urbana-Champaign

Divij Kohli

Gies College of Business, University of Illinois Urbana-Champaign

Justin Mohr

School of Business Administration, University of Mississippi

Yucheng Zhou

Gies College of Business, University of Illinois Urbana-Champaign

Published

May 20, 2026

This page collects the paper’s graphical results for easy browsing and comparison across specifications, outcomes, and robustness checks.

Main Outcomes

Total Debt

Total Debt IRF
Total Debt by Credit Score
Total Debt by Income

Number of Debt Accounts

Number of Debt Accounts IRF
Number of Debt Accounts by Credit Score
Number of Debt Accounts by Income

Monthly Payment

Monthly Payment IRF
Monthly Payment by Credit Score
Monthly Payment by Income

Total Non-Mortgage Debt

Total Non-Mortgage Debt IRF
Total Non-Mortgage Debt by Credit Score
Total Non-Mortgage Debt by Income

Debt Products

Revolving Debt

Revolving Debt IRF
Revolving Debt by Credit Score
Revolving Debt by Income

Credit Card Debt

Credit Card Debt IRF
Credit Card Debt by Credit Score
Credit Card Debt by Income

Personal Finance Debt

Personal Finance Debt IRF
Personal Finance Debt by Credit Score
Personal Finance Debt by Income

Personal Installment Debt

Personal Installment Debt IRF
Personal Installment Debt by Credit Score
Personal Installment Debt by Income

Auto Debt

Auto Debt IRF
Auto Debt by Credit Score
Auto Debt by Income

HELOC Debt

HELOC Debt IRF
HELOC Debt by Credit Score
HELOC Debt by Income

Mortgage Debt

Mortgage Debt IRF
Mortgage Debt by Credit Score
Mortgage Debt by Income

First Mortgages, Excluding Cash-Out Refinances

First Mortgages Excluding Cash-Out Refinances IRF
First Mortgages Excluding Cash-Out Refinances by Credit Score
First Mortgages Excluding Cash-Out Refinances by Income

Other Outcomes

Vantage Score

Vantage Score IRF
Vantage Score by Credit Score
Vantage Score by Income

Robustness of Total Debt

Total Debt Validation, Quarterly NY Fed
Total Debt IRF, GCCP Time Series
Total Debt IRF, NY Fed Annual
NY Fed Total Debt IRF
Credit Card IRF, NY Fed
Total Debt IRF, LP-OLS
Total Debt Pre-Trends

Mechanism and Validation Figures

Income by Percentile

Income by Percentile

Labor-Market Channel

Total Debt by Unemployment Percentile