FICO Says Delinquencies Rise Fastest Where Loan Originations Grow Most

• FICO's credit origination analysis warns lenders to tighten risk discipline as delinquencies rise alongside lending volumes.
• Mortgage originations rose 26% year over year in Q2 2026; mortgage delinquency climbed 29 basis points to 1.56%.
• Personal loan originations increased 19.5%; 60-day-plus delinquency reached 3.81%, up from 3.37% a year earlier.
• Growth concentrated in subprime and super-prime borrowers, making more targeted risk assessment critical.
• Origination decisions account for up to 80% of measurable lifetime account risk, underscoring the importance of affordability checks and ongoing monitoring.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Fair Isaac Corporation published the original content used to generate this news brief on November 10, 2026, and is solely responsible for the information contained therein.