Credit & debt · DRSFRMACBS

Mortgage delinquency rate

As of Q2 2026, the mortgage delinquency rate stood at 1.86%, a change of -0.02 pt from the quarter before.

Source: Board of Governors of the Federal Reserve System via FRED®. Quarterly data, seasonally adjusted. Latest observation Q2 2026; snapshot taken Oct 27, 2026, 2:15 AM EDT.

Latest (Q2 2026)

1.86%

Change from Q1 2026

-0.02 pt

A year earlier

1.78%

12-month change

+4.5%

1.86% Q2 2026 · Percent

1.6%1.8%2.0%2.2%2.4%20222023202420252026

Percent. Data from Q1 1991 to Q2 2026 (142 observations).

What it measures

This is the share of single-family residential mortgages held by commercial banks that are 30 days or more past due. It peaked above 11% in 2010 after the housing crash.

Official title
Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks
Units
Percent
Frequency and adjustment
Quarterly, seasonally adjusted
Original source
Board of Governors of the Federal Reserve System
Recent values
DateValueChange
Q2 20261.86%-0.02 pt
Q1 20261.88%+0.09 pt
Q4 20251.79%+0.01 pt
Q3 20251.78%0.00 pt
Q2 20251.78%+0.01 pt
Q1 20251.77%0.00 pt
Q4 20241.77%+0.03 pt
Q3 20241.74%+0.01 pt
Q2 20241.73%+0.02 pt
Q1 20241.71%+0.01 pt
Q4 20231.70%-0.02 pt
Q3 20231.72%0.00 pt

Related indicators

FHFA house price index

3.0%

12-month change · Q2 2026

Nonrevolving credit (auto and student loans)

2.5%

12-month change · Aug 2026

Student loans outstanding

2.8%

12-month change · Q4 2024

This page shows public economic data for general information. It is not financial advice and does not predict future values.

Sources

FRED® is a registered trademark of the Federal Reserve Bank of St. Louis. Neither the Federal Reserve Bank of St. Louis nor Board of Governors of the Federal Reserve System endorses OpenEcon.