A survey of bank risk professionals found fewer lenders expect a rise in delinquencies on home loans, car loans, and small business loans, according to FICO’s quarterly survey.
In the latest survey, the number of respondents expecting mortgage delinquencies to rise during the next six months was 12 percentage points lower than last quarter – dropping from 47 to 35 percent.  The survey found 28 percent of respondents expected delinquencies on small business loans to increase, which is 11 percentage points lower than last quarter.  And 20 percent of respondents expected delinquencies on car loans to increase, 13 percentage points lower than last quarter.
With regard to credit cards, 32 percent of respondents expected delinquencies to increase.  That is an improvement of seven percentage points over last quarter and is the lowest figure since the second quarter of 2011.
When asked about the availability of credit for specific loan types over the next six months, the majority of respondents expected supply to meet or exceed demand for all loan types except mortgages.  With lenders unsure about the real estate sector, 56 percent of respondents believed credit supply would not meet demand for residential mortgages.
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