{"id":8555,"date":"2026-09-19T14:05:12","date_gmt":"2026-09-19T21:05:12","guid":{"rendered":"https:\/\/blog.loaning.ai\/en\/8555\/"},"modified":"2026-09-19T14:05:12","modified_gmt":"2026-09-19T21:05:12","slug":"consumer-sentiment-happiness-decline-a1790e77ad99","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/en\/8555\/","title":{"rendered":"Consumer Sentiment Stays Low as Happiness Declines"},"content":{"rendered":"<!-- loaning-news-bot:a1790e77-ad99-4c6e-948f-50fabcf5ab6c -->\n\n<style id=\"loaning-news-article-design-system\">\n@import url(\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard@v1.3.9\/dist\/web\/variable\/pretendardvariable-dynamic-subset.min.css\");\n.loaning-geo-article,.loaning-geo-article *{box-sizing:border-box!important;font-family:\"Pretendard Variable\",Pretendard,-apple-system,BlinkMacSystemFont,\"Segoe UI\",sans-serif!important}\n.loaning-geo-article{--loaning-green:#15966b;--loaning-ink:#26332d;--loaning-muted:#68756f;--loaning-line:#e1e7e4;width:100%!important;max-width:860px!important;margin:0 auto!important;padding:0 16px 140px!important;color:var(--loaning-ink)!important;font-size:16px!important;line-height:1.75!important;overflow-wrap:break-word}\nbody:has(.loaning-geo-article) .jnews_content_top_ads:has(.ads-wrapper:empty){display:none!important}\nbody:has(.loaning-geo-article) .entry-header{margin-bottom:18px!important}\nbody:has(.loaning-publish-date) .entry-header .jeg_meta_date{display:none!important}\n.loaning-geo-article>br,.loaning-geo-article>p:empty{display:none!important}\n.loaning-publish-date{display:block!important;margin:0 0 14px!important;color:#68756f!important;font-size:13px!important}\n.loaning-geo-article>h2,.loaning-geo-article section>h2{margin:36px 0 16px!important;padding-bottom:10px!important;border-bottom:1px solid #dce5e0!important;color:#173f2e!important;font-size:26px!important;line-height:1.38!important}\n.loaning-intro{margin-bottom:20px!important;font-size:18px!important}\n.loaning-article-tools{position:relative!important;z-index:20!important;display:flex!important;justify-content:space-between!important;gap:18px!important;margin-bottom:24px!important;padding-bottom:18px!important;border-bottom:1px solid #e3eae6!important}\n.loaning-article-tools__keywords{display:flex!important;flex:1!important;flex-wrap:wrap!important;gap:7px 14px!important}\n.loaning-article-tools__label{flex-basis:100%!important;color:#7a8680!important;font-size:11px!important;font-weight:700!important}\n.loaning-article-tools__keywords span:not(.loaning-article-tools__label){color:#27664a!important;font-size:13px!important;font-weight:650!important}\n.loaning-article-tools__actions{position:relative!important;display:flex!important;gap:10px!important}\n.loaning-ai-summary{position:relative!important}\n.loaning-ai-summary>summary{display:flex!important;align-items:center!important;min-height:44px!important;padding:8px 14px!important;border:1px solid #d5e2db!important;border-radius:999px!important;background:#fff!important;font-weight:700!important;list-style:none!important;cursor:pointer!important}\n.loaning-ai-summary>summary::-webkit-details-marker{display:none!important}\n.loaning-ai-summary__panel{position:absolute!important;z-index:40!important;top:calc(100% + 10px)!important;right:0!important;width:min(420px,calc(100vw - 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32px),680px)!important;transform:translateX(-50%)!important}\n.loaning-floating-cta__link{display:flex!important;align-items:center!important;justify-content:center!important;min-height:52px!important;border-radius:999px!important;background:#49cc7f!important;color:#fff!important;text-decoration:none!important;font-weight:700!important}\n@media(max-width:680px){.loaning-geo-article{padding:0 12px 124px!important}.loaning-article-tools{flex-direction:column!important}.loaning-ai-summary__panel{right:auto!important;left:0!important}.loaning-geo-article>h2,.loaning-geo-article section>h2{font-size:24px!important}.loaning-floating-cta{width:calc(100vw - 24px)!important}.loaning-side-tools{right:12px!important;bottom:72px!important;width:44px!important}.loaning-side-tools__item span{display:none!important}}\n@media(max-width:480px){.loaning-geo-article .loaning-rate-form{grid-template-columns:minmax(0,1fr)!important}.loaning-rate-box{padding:20px 16px!important}}\n@media print{.loaning-floating-cta,.loaning-side-tools,.loaning-article-tools__actions{display:none!important}}\n<\/style>\n\n<article id=\"loaning-article-top\" class=\"loaning-geo-article\" data-loaning-template=\"2026-09-18-wp-layout-v2\" lang=\"en\">\n<time class=\"loaning-publish-date\" datetime=\"2026-09-20\">09\/20\/26<\/time>\n<section class=\"loaning-article-tools\">\n<div class=\"loaning-article-tools__keywords\"><span class=\"loaning-article-tools__label\">Related keywords<\/span><span>#consumer sentiment<\/span><span>#U.S. Economy<\/span><span>#Household Finances<\/span><span>#Goldman Sachs<\/span><\/div>\n<div class=\"loaning-article-tools__actions\">\n<details class=\"loaning-ai-summary\"><summary aria-label=\"AI Summary\">AI Summary<\/summary><div class=\"loaning-ai-summary__panel\"><p><strong>The essentials at a glance<\/strong><\/p><p>Consumer sentiment has weakened despite a resilient economy, with Goldman Sachs pointing to broader unhappiness and declining trust.<\/p><\/div><\/details>\n<button class=\"loaning-share-button\" type=\"button\" aria-label=\"Share this article\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><circle cx=\"18\" cy=\"5\" r=\"2.5\"><\/circle><circle cx=\"6\" cy=\"12\" r=\"2.5\"><\/circle><circle cx=\"18\" cy=\"19\" r=\"2.5\"><\/circle><path d=\"M8.2 10.8 15.8 6.2M8.2 13.2l7.6 4.6\"><\/path><\/svg><\/button>\n<span class=\"loaning-share-status loaning-visually-hidden\" aria-live=\"polite\"><\/span>\n<\/div>\n<\/section>\n\n<div class=\"loaning-intro\"><p>Consumer sentiment has weakened despite a resilient economy, with Goldman Sachs pointing to broader unhappiness and declining trust.<\/p><\/div>\n<div class=\"loaning-key-takeaways\"><p class=\"loaning-key-takeaways__title\">\ud83d\udcdd <strong>Key Takeaways<\/strong><\/p><ul><li><strong>Consumer sentiment hits a low:<\/strong> Consumer sentiment remains unusually weak even as broader economic measures have looked stronger.<\/li>\n<li><strong>Consumer confidence and happiness:<\/strong> Goldman Sachs economist Joseph Briggs argues that lower happiness may be part of the explanation for persistently downbeat economic sentiment.<\/li>\n<li><strong>Consumer sentiment and trust:<\/strong> Briggs also connected declining happiness with falling trust in public institutions.<\/li><\/ul><\/div>\n<nav class=\"loaning-toc\" aria-label=\"In this guide\"><p class=\"loaning-toc__title\">In this guide<\/p><div class=\"loaning-toc__links\"><a href=\"#loaning-news-section-1\">Consumer sentiment hits a low<\/a><a href=\"#loaning-news-section-2\">Consumer confidence and happiness<\/a><a href=\"#loaning-news-section-3\">Consumer sentiment and trust<\/a><\/div><\/nav>\n<div class=\"loaning-key-takeaways loaning-fact-check\"><p class=\"loaning-key-takeaways__title\">\u2705 <strong>Fact-Check Snapshot<\/strong><\/p><ul><li>The University of Michigan\u2019s consumer sentiment index fell 13% year over year in September.<\/li>\n<li>The share of respondents reporting that they were \u201cvery happy\u201d fell to 23% in 2024 from 31% in 2016.<\/li>\n<li>Briggs found that lower trust in institutions caused a disproportionate amount of the decline in net happiness in recent years.<\/li><\/ul><\/div>\n\n<section aria-labelledby=\"loaning-news-section-1\">\n<h2 id=\"loaning-news-section-1\">Consumer sentiment hits a low<\/h2>\n<p>Consumer sentiment remains unusually weak even as broader economic measures have looked stronger. The University of Michigan\u2019s index fell 13% year over year in September, adding to the gap between how the economy appears on paper and how households feel about it.<\/p>\n<p>That disconnect can matter when people weigh major purchases, including a home. A buyer who feels broadly uncertain may be more cautious about taking on a mortgage, even when other economic indicators appear comparatively steady.<\/p>\n<\/section>\n<div class=\"loaning-rate-box\"><h2>Compare mortgage options in minutes<\/h2><div class=\"loaning-rate-form\"><div class=\"loaning-rate-cell\"><a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_0920\" target=\"_blank\" rel=\"noopener noreferrer\"><span>Loan Type<\/span><strong>Purchase<\/strong><\/a><\/div><div class=\"loaning-rate-cell\"><a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_0920\" target=\"_blank\" rel=\"noopener noreferrer\"><span>Loan Term<\/span><strong>Choose on Loaning.ai<\/strong><\/a><\/div><div class=\"loaning-rate-cell\"><a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_0920\" target=\"_blank\" rel=\"noopener noreferrer\"><span>City<\/span><strong>Enter on Loaning.ai<\/strong><\/a><\/div><div class=\"loaning-rate-cell loaning-rate-action\"><a class=\"loaning-rate-button\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_0920\" target=\"_blank\" rel=\"noopener noreferrer\">Compare mortgage options<\/a><\/div><\/div><p class=\"loaning-rate-note\">Personalized rates and terms vary by borrower and lender.<\/p><\/div>\n\n<section aria-labelledby=\"loaning-news-section-2\">\n<h2 id=\"loaning-news-section-2\">Consumer confidence and happiness<\/h2>\n<p>Goldman Sachs economist Joseph Briggs argues that lower happiness may be part of the explanation for persistently downbeat economic sentiment. Data cited from the University of Chicago\u2019s General Social Survey show that the share of respondents describing themselves as \u201cvery happy\u201d fell to 23% in 2024 from 31% in 2016.<\/p>\n<p>If those broader feelings remain weak, consumer confidence may not recover in step with economic output or financial markets. That makes sentiment a less straightforward guide to household decisions than it might be when financial and social outlooks move together.<\/p>\n<\/section>\n\n<section aria-labelledby=\"loaning-news-section-3\">\n<h2 id=\"loaning-news-section-3\">Consumer sentiment and trust<\/h2>\n<p>Briggs also connected declining happiness with falling trust in public institutions. His analysis found that lower trust in those institutions caused a disproportionate amount of the decline in net happiness in recent years.<\/p>\n<p>The implication is conditional rather than a forecast: consumer sentiment may stay subdued even if the economy continues to perform well. For mortgage shoppers, that could mean confidence does not automatically follow headline economic strength.<\/p>\n<\/section>\n<div class=\"loaning-rate-box\"><h2>Compare mortgage options in minutes<\/h2><div class=\"loaning-rate-form\"><div class=\"loaning-rate-cell\"><a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_0920\" target=\"_blank\" rel=\"noopener noreferrer\"><span>Loan Type<\/span><strong>Purchase<\/strong><\/a><\/div><div class=\"loaning-rate-cell\"><a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_0920\" target=\"_blank\" rel=\"noopener noreferrer\"><span>Loan Term<\/span><strong>Choose on Loaning.ai<\/strong><\/a><\/div><div class=\"loaning-rate-cell\"><a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_0920\" target=\"_blank\" rel=\"noopener noreferrer\"><span>City<\/span><strong>Enter on Loaning.ai<\/strong><\/a><\/div><div class=\"loaning-rate-cell loaning-rate-action\"><a class=\"loaning-rate-button\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_0920\" target=\"_blank\" rel=\"noopener noreferrer\">Compare mortgage options<\/a><\/div><\/div><p class=\"loaning-rate-note\">Personalized rates and terms vary by borrower and lender.<\/p><\/div>\n<div class=\"loaning-editorial-disclosure\">This article is for general information only, not financial, legal, tax or mortgage advice or a loan offer.<\/div>\n<div class=\"loaning-side-tools\"><button type=\"button\" class=\"loaning-side-tools__item loaning-side-tools__item--top\" aria-label=\"Back to top\" hidden><span>Back to top<\/span>\u2191<\/button><\/div>\n<div class=\"loaning-floating-cta\"><a class=\"loaning-floating-cta__link\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_0920\" target=\"_blank\" rel=\"noopener noreferrer\">Compare mortgage options<\/a><\/div>\n<\/article>\n\n\n<script>\n(function(){\nconst article=document.getElementById(\"loaning-article-top\");if(!article)return;\nconst 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