Rising B&C Delinquency Rates Pose Challenges for MIs Mortgage insurers involved with subprime loans could be in for a rough road this year, if rising delinquency rates continue to put pressure on prices, analysts have warned. “There is some concern that, because of the lack of history, [subprime MI] is not being priced correctly at this time,” said Brett Lawless, an analyst at Fitch Ratings.