Distressed Mortgages

By looking at the payment-to-income ratio on credit cards, as well as student loans and HELOCs, Transunion says servicers can predict future delinquency trends.

A Redfin survey found that no matter what age demographic, owners are in a better situation to make their payments compared to renters.

While the overall delinquency rate improved this summer, FHA-backed mortgage borrowers continued to exhibit concerning levels of payment stress in July.

The share of investor-owned properties sitting empty is greater than the vacancy rate for the nation's housing market, according to Attom Data Solutions.

While overall performance looks solid, the data shows the weight of economic concerns may be weighing on some borrowers, the Mortgage Bankers Association said.

New insurance written at the six private mortgage insurers increased by only 2% year-over-year, a sign of the sluggish home sales market at the low end.

GSE loans acquired in the period have higher loan-to-value and debt-to-income ratios and lower credit scores, which Milliman said boosted serious default risk.

While rising national home values leave close to half of owners on solid financial footing, growth in seriously underwater loans points to pockets of stress.

While foreclosure numbers in the first six months of this year were up compared to 2024, starts eased as the spring progressed, according to Attom.