TransUnion Analysis Finds Rise in Consumer Payment-to-Income Ratios is a Clear Indicator for Potential Mortgage Delinquency Increases

 

CHICAGO, Aug. 28, 2025 (GLOBE NEWSWIRE) -- Serious consumer-level delinquency rates (60+ DPD) for mortgage loans—while still at historically low levels—have 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’s 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.

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