Healthy trends for mortgage, credit card and auto sectors

The Industry Insights Report

In Q1 2014, the national mortgage and credit card delinquency rates dropped once again. The rate for mortgages declined for the ninth quarter in a row. For credit cards, delinquency rates continue to hover near all-time lows. In addition, the national auto loan delinquency rate decreased at the end of the quarter. See below for details.

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Healthy trends for mortgage, credit card and auto sectors

The Industry Insights Report

In Q1 2014, the national mortgage and credit card delinquency rates dropped once again. The rate for mortgages declined for the ninth quarter in a row. For credit cards, delinquency rates continue to hover near all-time lows. In addition, the national auto loan delinquency rate decreased at the end of the quarter. See below for details.

For further insights into these and other sectors, contact your TransUnion representative.

Get more insights

The Industry Insights Report

The national mortgage delinquency rate (the rate of borrowers 60 or more days past due) dropped for the ninth consecutive quarter, declining to 3.61% in Q1 2014.

The mortgage delinquency rate has now dropped 24% in the last year.

Quarterly Percentage Increase/Decrease

The 6-day mortgage delinquency rate dropped approximately 6% between Q4 2013 and Q1 2014.

Total Mortgage Account Volume

Total Account Volume in Millions



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Comparison of State Mortgage Delinquency Rates

Between the first quarter of 2013 and the first quarter of 2014, every state experienced declines in their mortgage delinquency rates.

Mortgage Loan Delinquency Rate Percentages, by State

The national credit card delinquency rate (the rate of borrowers 90 or more days past due) decreased to 1.37% at the end of Q1 2014.

Credit card debt per borrower since 2008

Comparison of State Credit Card Delinquency Rates

Between the first quarters of 2013 and 2014, Alaska was the only state that experienced a rise in its credit card delinquency rate.

Credit Card Delinquency Rate Percentages, by State

In the last quarter, the national auto loan delinquency rate (the rate of borrowers 60 or more days past due) decreased to 1.00% at the end of Q1 2014.

Up from 0.95% in Q1 2013

Auto loan debt per borrower since 2008

Comparison of State Auto Loan Delinquency Rates

Between the first quarters of 2013 and 2014, only 13 states experienced either a decline or had their auto loan delinquency rates remain the same.

Auto Loan Delinquency Rate Percentages, by State

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