Mortgage Delinquency Increases Linked to Rising Consumer Payment-to-Income Ratios: TransUnion Analysis. – AInvest
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TransUnion reports a rise in mortgage delinquencies from 0.89% in Q2 2023 to 1.27% in Q2 2025, with nearly 57 million mortgage consumers analyzed. Payment-to-income ratios for credit cards rose throughout 2023, correlating with increased mortgage delinquency rates the following year. TransUnion emphasizes the predictive power of monitoring PTI trends across a consumer’s entire credit portfolio, enabling lenders to gain a 12-month advance warning before mortgage performance deteriorates.
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