{"id":880007,"date":"2025-08-28T08:19:55","date_gmt":"2025-08-28T12:19:55","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/transunion-analysis-finds-rise-in-consumer-payment-to-income-ratios-is-a-clear-indicator-for-potential-mortgage-delinquency-increases\/"},"modified":"2025-08-28T08:19:55","modified_gmt":"2025-08-28T12:19:55","slug":"transunion-analysis-finds-rise-in-consumer-payment-to-income-ratios-is-a-clear-indicator-for-potential-mortgage-delinquency-increases","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/transunion-analysis-finds-rise-in-consumer-payment-to-income-ratios-is-a-clear-indicator-for-potential-mortgage-delinquency-increases\/","title":{"rendered":"TransUnion Analysis Finds Rise in Consumer Payment-to-Income Ratios is a Clear Indicator for Potential Mortgage Delinquency Increases"},"content":{"rendered":"<div class=\"mw_release\">\n<p>\u00a0<\/p>\n<p align=\"left\">CHICAGO, Aug.  28, 2025  (GLOBE NEWSWIRE) &#8212; Serious consumer-level delinquency rates (60+ DPD) for mortgage loans\u2014while still at historically low levels\u2014have gradually risen from 0.89% in Q2 2023 to 1.14% in Q2 2024 and 1.27% in Q2 2025. As mortgage delinquency levels have risen, a <a href=\"https:\/\/www.globenewswire.com\/Tracker?data=o_25jkU4TzqWtnfNhWeCNY6hq3P0THX8bM6CDqfjuZeqQYNdlA7gg-LjAlTZ7aBsxltE4eXP_O1N5Zb-Wi2CYkJHQxymxHWLmjV3xYTHpHlKDAF2sTDxybXwjS2_B_i4A-v_mjTuZpJJ6ESz26_xrEld_6p51FrXP94p2ic8EuugZODEpicn9ksBtabrS6c8H92j_hJtP1lNqcuJk6h0SkL2v_DVunI09FOd3PAIvKqsTKpwG-MlOUEwZfGnFB9ofwSmAvLFn4PBFw9pmtRUh5hKbPPn4y-vQnHnC6DK5o9HJrQG-srq4aOymdY-aVhpooE2FuuyPFjGjRsoi6LCTw==\" rel=\"nofollow\" target=\"_blank\">new analysis by TransUnion<\/a> (NYSE: TRU) highlights the direct correlation between payment-to-income (PTI) ratios and mortgage delinquency. PTI compares a borrower\u2019s monthly debt obligations to their gross monthly income and can help lenders more accurately identify consumers who may be at higher risk of falling into delinquency.<\/p>\n<p>The analysis, conducted throughout 2024, focused on how rising debt levels and fluctuations in PTI across various credit products\u2014such as credit cards, Home Equity Lines of Credit (HELOCs), and student loans\u2014may serve as early warning signs of financial stress. These trends were evaluated specifically among the nearly 57 million mortgage consumers who were current on their loans at the time of the study, providing a broad and relevant sample for assessing emerging risk factors.<\/p>\n<p>The study revealed a strong and consistent link between changes in PTI for non-mortgage products, such as credit cards, and subsequent increases in mortgage delinquency rates in the following year. This finding underscores the importance of monitoring PTI trends over time across a consumer\u2019s entire credit portfolio, as increases in non-mortgage debt obligations can be a leading indicator of potential trouble in mortgage performance.<\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td colspan=\"5\" style=\"text-align: center;vertical-align: middle;vertical-align: middle\">\n            <strong>As Consumer Payment-to-Income Ratios Increased for Credit Cards, The Likelihood of Mortgage Delinquency One Year Later Followed<\/p>\n<p><\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"max-width:28%;width:28%;min-width:28%;border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;border-left: solid black 1pt;vertical-align: middle\">\u00a0<\/td>\n<td style=\"max-width:18%;width:18%;min-width:18%;border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: middle\">\n            <strong>2023 Mar<\/strong>\n          <\/td>\n<td style=\"max-width:18%;width:18%;min-width:18%;border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: middle\">\n            <strong>2023 Jun<\/strong>\n          <\/td>\n<td style=\"max-width:18%;width:18%;min-width:18%;border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: middle\">\n            <strong>2023 Sep<\/strong>\n          <\/td>\n<td style=\"max-width:18%;width:18%;min-width:18%;border-top: solid black 1pt;border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: middle\">\n            <strong>2023 Dec<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;border-left: solid black 1pt;vertical-align: middle\">\n            <strong>\u00a0Credit Card Consumer<br \/>\u00a0Payment-to-Income Ratio (%)<\/strong>\n          <\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: middle\">2.18<\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: middle\">2.25<\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: middle\">2.31<\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: middle\">2.33<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom: solid black 1pt;vertical-align: middle\">\u00a0<\/td>\n<td style=\"text-align: center;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: middle\">\u00a0<\/td>\n<td style=\"text-align: center;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: middle\">\u00a0<\/td>\n<td style=\"text-align: center;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: middle\">\u00a0<\/td>\n<td style=\"text-align: center;vertical-align: middle;border-bottom: solid black 1pt;vertical-align: middle\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;border-left: solid black 1pt;vertical-align: middle\">\u00a0<\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: middle\">\n            <strong>2024 Mar<\/strong>\n          <\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: middle\">\n            <strong>2024 Jun<\/strong>\n          <\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: middle\">\n            <strong>2024 Sep<\/strong>\n          <\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: middle\">\n            <strong>2024 Dec<\/strong>\n          <\/td>\n<\/tr>\n<tr>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;border-left: solid black 1pt;vertical-align: middle\">\n            <strong>\u00a060+ DPD Mortgage<br \/>\u00a0Delinquency (%)<\/strong>\n          <\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: middle\">0.42<\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: middle\">0.46<\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: middle\">0.56<\/td>\n<td style=\"border-right: solid black 1pt;border-bottom: solid black 1pt;text-align: center;vertical-align: middle;vertical-align: middle\">0.63<\/td>\n<\/tr>\n<tr>\n<td colspan=\"5\" style=\"vertical-align: middle\">\u00a0Source: TransUnion US consumer credit database<\/td>\n<\/tr>\n<\/table>\n<p>\n        <br \/>\u201cThe study clearly demonstrates that an increase in payment-to-income ratios for select non-mortgage credit products serves as a strong and reliable signal that these borrowers are significantly more likely to experience mortgage delinquency in the future,\u201d said Jason Laky, executive vice president and head of financial services at TransUnion. \u201cMoreover, evolving patterns in credit card usage may provide additional early indicators of emerging financial stress, offering valuable insights for lenders.\u201d<\/p>\n<p>A similar trend emerged when analyzing PTI ratio patterns for both HELOCs and student loans. In each case, there was a clear and consistent positive correlation between rising PTI ratios and an increased likelihood of mortgage delinquency. This suggests that as borrowers allocate a greater portion of their income toward servicing these types of debt, their ability to stay current on mortgage payments may become increasingly strained.<\/p>\n<p>Mortgage lenders should implement a consistent and proactive schedule for collecting consumers\u2019 cross-wallet credit data\u2014ideally on a quarterly basis\u2014to gain the earliest possible insight into emerging risks of mortgage delinquency. By analyzing trended credit data, lenders can uncover valuable patterns in consumer credit behavior and emerging risks that often precede changes in credit scores. This deeper, historical perspective enables more informed risk assessments and enhances the ability to anticipate financial stress before it becomes visible through traditional scoring metrics.<\/p>\n<p>\u201cIn this challenging economic environment, lenders must leverage every available tool at their disposal to more effectively segment and manage risk,\u201d said Satyan Merchant, senior vice president and auto and mortgage business leader at TransUnion. \u201cTrended credit data can play a critical role in identifying shifts in key attributes such as aggregate excess payment, non-mortgage delinquencies, and debt-to-income ratios. These innovative insights can help pinpoint consumers who are at a higher likelihood of becoming delinquent and, importantly, enable lenders to proactively contact and work with consumers at heightened risk of default to help them stay on track and avoid falling behind on payments.\u201d<\/p>\n<p>Tools like\u00a0<a href=\"https:\/\/www.globenewswire.com\/Tracker?data=2yyfV_WESg21YPLAu54wjpq3uiChQFk6fRoZ1XDH7-b1tR65eTMaQ-UicnnLlQcAd4Ur14rHyUkkKG4C6nlA7ClP_N-VZnfQufcDWOXHVLwH726QC-93DqlDeNvjIYExvtVL3FOAIsY2kkgW8j-Dxm0y2ELhXwmM-Htgixnx2nkAdcnM7vv_pPGNxMPi3GBJ9wwGgNyJeeAvulbxOWik_Q==\" rel=\"nofollow\" target=\"_blank\">TruVision for Managing Customer Portfolios\u00a0<\/a>empower mortgage lenders with deeper, more actionable insights into customer behavior, enabling smarter line management decisions and more effective account treatment strategies. By leveraging these capabilities, lenders can stay ahead of evolving consumer needs\u2014identifying behavioral patterns, predicting future actions, and proactively diagnosing account risks. This allows for timely interventions to help mitigate rising delinquencies and potential losses. To learn more about TruVision for Managing Customer Portfolios, click <a href=\"https:\/\/www.globenewswire.com\/Tracker?data=F-5Lo8XGpl5Kwpd1lV0zvhBncngmebldLo3S8TQHPCAFjBGUzQ0Ybcwf_S1yDEcpN5Y-JCTUvJyU4w6NlYJkKtjvbexfZEx9Q7hiTsV10hiPBQbWCuOS0LdZY_LEXBKlyqf1S2_PoC6zh-Aeemtx_CNZI-6CPnAfaozhq2Ic1fg=\" rel=\"nofollow\" target=\"_blank\">here<\/a>.<\/p>\n<p>\n        <strong>About TransUnion (NYSE: TRU) <\/strong><br \/>\n        <br \/>TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru\u2122 picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good<sup>\u00ae<\/sup> \u2014 and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world.\u00a0<a href=\"https:\/\/www.globenewswire.com\/Tracker?data=wDhTvvDH7-gS6jUshR4kddQjBO1pdqus0URIyp7VTLS4mO_ISzCQMdyAqQKm_VI0ocgh0ZkyV9rTCUnRyFNOp_90kc0rP9SX_eRWKaz-ifXA_w534gtqxKt-ZpFDx7EY\" rel=\"nofollow\" target=\"_blank\">http:\/\/www.transunion.com\/business<\/a><\/p>\n<table style=\"border-collapse: collapse;width:100%;border-collapse:collapse\">\n<tr>\n<td style=\"max-width:10%;width:10%;min-width:10%;vertical-align: top\">\n            <strong>Contact<\/strong>\n          <\/td>\n<td style=\"max-width:90%;width:90%;min-width:90%;vertical-align: top\">Dave Blumberg<br \/>TransUnion<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top\">\n            <strong>E-mail<\/strong><\/p>\n<\/td>\n<td style=\"vertical-align: top\">\n            <a href=\"mailto:david.blumberg@transunion.com\" rel=\"nofollow\" target=\"_blank\">david.blumberg@transunion.com<\/a><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"vertical-align: top\">\n            <strong>Telephone<\/strong><br \/>\n            \n          <\/td>\n<td style=\"vertical-align: top\">312-972-6646<\/td>\n<\/tr>\n<\/table>\n<p>      <img decoding=\"async\" alt=\"\" class=\"__GNW8366DE3E__IMG\" src=\"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTUxOTQxNSM3MTE2NDcyIzIwMDk4NzQ=\" \/><br \/>\n      <br \/>\n      <img decoding=\"async\" alt=\"\" src=\"https:\/\/ml.globenewswire.com\/media\/YjUyYWM5ZGMtZjg3OC00MjRmLWE1ZWItMzBjNzU0YmQ4OTBhLTEwMjE0NDctMjAyNS0wOC0yOC1lbg==\/tiny\/TransUnion.png\" \/>\n    <\/div>\n<div class=\"mw_contactinfo\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0 CHICAGO, Aug. 28, 2025 (GLOBE NEWSWIRE) &#8212; Serious consumer-level delinquency rates (60+ DPD) for mortgage loans\u2014while still at historically low levels\u2014have gradually risen from 0.89% in Q2 2023 to 1.14% in Q2 2024 and 1.27% in Q2 2025. As mortgage delinquency levels have risen, a new analysis by TransUnion (NYSE: TRU) highlights the direct correlation between payment-to-income (PTI) ratios and mortgage delinquency. PTI compares a borrower\u2019s monthly debt obligations to their gross monthly income and can help lenders more accurately identify consumers who may be at higher risk of falling into delinquency. The analysis, conducted throughout 2024, focused on how rising debt levels and fluctuations in PTI across various credit products\u2014such as credit cards, Home Equity Lines of Credit &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/transunion-analysis-finds-rise-in-consumer-payment-to-income-ratios-is-a-clear-indicator-for-potential-mortgage-delinquency-increases\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;TransUnion Analysis Finds Rise in Consumer Payment-to-Income Ratios is a Clear Indicator for Potential Mortgage Delinquency Increases&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-880007","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>TransUnion Analysis Finds Rise in Consumer Payment-to-Income Ratios is a Clear Indicator for Potential Mortgage Delinquency Increases - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/transunion-analysis-finds-rise-in-consumer-payment-to-income-ratios-is-a-clear-indicator-for-potential-mortgage-delinquency-increases\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TransUnion Analysis Finds Rise in Consumer Payment-to-Income Ratios is a Clear Indicator for Potential Mortgage Delinquency Increases - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"\u00a0 CHICAGO, Aug. 28, 2025 (GLOBE NEWSWIRE) &#8212; Serious consumer-level delinquency rates (60+ DPD) for mortgage loans\u2014while still at historically low levels\u2014have gradually risen from 0.89% in Q2 2023 to 1.14% in Q2 2024 and 1.27% in Q2 2025. As mortgage delinquency levels have risen, a new analysis by TransUnion (NYSE: TRU) highlights the direct correlation between payment-to-income (PTI) ratios and mortgage delinquency. PTI compares a borrower\u2019s monthly debt obligations to their gross monthly income and can help lenders more accurately identify consumers who may be at higher risk of falling into delinquency. The analysis, conducted throughout 2024, focused on how rising debt levels and fluctuations in PTI across various credit products\u2014such as credit cards, Home Equity Lines of Credit &hellip; Continue reading &quot;TransUnion Analysis Finds Rise in Consumer Payment-to-Income Ratios is a Clear Indicator for Potential Mortgage Delinquency Increases&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/transunion-analysis-finds-rise-in-consumer-payment-to-income-ratios-is-a-clear-indicator-for-potential-mortgage-delinquency-increases\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-28T12:19:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.globenewswire.com\/newsroom\/ti?nf=OTUxOTQxNSM3MTE2NDcyIzIwMDk4NzQ=\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/transunion-analysis-finds-rise-in-consumer-payment-to-income-ratios-is-a-clear-indicator-for-potential-mortgage-delinquency-increases\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/transunion-analysis-finds-rise-in-consumer-payment-to-income-ratios-is-a-clear-indicator-for-potential-mortgage-delinquency-increases\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"TransUnion Analysis Finds Rise in Consumer Payment-to-Income Ratios is a Clear Indicator for Potential Mortgage Delinquency Increases\",\"datePublished\":\"2025-08-28T12:19:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/transunion-analysis-finds-rise-in-consumer-payment-to-income-ratios-is-a-clear-indicator-for-potential-mortgage-delinquency-increases\\\/\"},\"wordCount\":814,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/transunion-analysis-finds-rise-in-consumer-payment-to-income-ratios-is-a-clear-indicator-for-potential-mortgage-delinquency-increases\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.globenewswire.com\\\/newsroom\\\/ti?nf=OTUxOTQxNSM3MTE2NDcyIzIwMDk4NzQ=\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/transunion-analysis-finds-rise-in-consumer-payment-to-income-ratios-is-a-clear-indicator-for-potential-mortgage-delinquency-increases\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/transunion-analysis-finds-rise-in-consumer-payment-to-income-ratios-is-a-clear-indicator-for-potential-mortgage-delinquency-increases\\\/\",\"name\":\"TransUnion Analysis Finds Rise in Consumer Payment-to-Income Ratios is a Clear Indicator for Potential Mortgage Delinquency Increases - 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