Foreclosure sales inched another notch up as credit issues in the broader consumer credit market rose to a new level, according to the respective findings in two new August reports.

Sales of foreclosure properties in ICE Mortgage Technology’s latest First Look report ran 22.52% ahead of last year’s rates and crept up by 0.55% on the month while presale inventory in this category increased by 10.47% and 1.32%, respectively.

Uptick in delinquency reflects calendar effect

Those figures point to a foreclosure property market that’s slowly growing amid hints at broader signs of consumer pressure, but the First Look report said home-loan delinquency gains that followed an earlier drop weren’t a trend but a calendar effect.

“Most of the uptick in the national delinquency rate can be attributed to delayed processing of end-of-month payments, as August closed on a Sunday this year,” Andy Walden, head of mortgage and housing market research said in a press release. 

The mortgage delinquency rate of 3.43% represented a 16 basis point increase from the previous month. It also was up 10 basis points from the same month a year earlier. The concentration of distress in Federal Housing Administration loans increased 86 basis point increase to 12%

Arrears no longer contained to certain consumer-credit tiers

Other types of consumer finance such as personal and auto loans saw distress expand beyond its concentration in certain income and credit tiers during August, according to VantageScore’s latest CreditGauge report.

While borrowers with extremely high “superprime” credit scores in 781-850 have a relatively low delinquency rate compared to other sectors, this tier experienced a surprising 300 basis-point jump in August, the company reported.

This partially reflects, “sustained inflation, consistently elevated interest rates, higher borrowing costs, and an unsteady employment picture,” said Susan Fahy, executive vice president and chief digital officer at VantageScore, in a press release.

Pressure on broader consumer sectors could be a sign of stress that will make its way to the mortgage sector although people typically prioritize home loans. FICO recently reported an exception in longer-term delinquencies.