Mortgage Delinquency Rate
The delinquency rate on single-family residential mortgages booked at US commercial banks (30+ days past due), from the Fed's charge-off and delinquency release — quarterly since 1991. The cleanest long-running read on household mortgage stress.
Latest reading
As of January 2026, Mortgage Delinquency (Delinquency rate %) stands at 1.89% — up from 1.79% the prior reading. Around 2% is a healthy market; the series peaked above 11% in 2010. Because mortgage stress needs both a payment shock and an inability to sell out of trouble, delinquencies stay low while home equity is high — they are a late-cycle confirmation, not an early warning. Watch them with the saving rate and jobless claims. Series history runs from 1991 to present.
Sources, methodology & freshnessLast updated 2026-07-20 · Open ↓Close ↑
Delinquency rate %
Full history
Methodology & data
Mortgage Delinquency is sourced from Fed via the Federal Reserve's FRED service (Federal Reserve via FRED (DRSFRMACBS), quarterly, seasonally adjusted). We pull the complete history, chart it on a quarterly basis, overlay SPY for context, and generate a dated plain-English reading from the latest release — with no smoothing or adjustment beyond what the chart legend states.
Every reading is stamped with its release date, last updated 2026-07-20. Maintained and reviewed by Yuriy Matso; see our methodology for the standards every series on the site is held to.
Frequently asked questions
What is the Mortgage Delinquency Rate?
The delinquency rate on single-family residential mortgages booked at US commercial banks (30+ days past due), from the Fed's charge-off and delinquency release — quarterly since 1991. The cleanest long-running read on household mortgage stress.
How do you read Mortgage Delinquency?
Around 2% is a healthy market; the series peaked above 11% in 2010. Because mortgage stress needs both a payment shock and an inability to sell out of trouble, delinquencies stay low while home equity is high — they are a late-cycle confirmation, not an early warning. Watch them with the saving rate and jobless claims.
Where does the Mortgage Delinquency data come from?
Federal Reserve via FRED (DRSFRMACBS), quarterly, seasonally adjusted. We chart the full history and publish a dated, plain-English reading with every release; the raw series is downloadable as CSV at /data/indicators/mortgage-delinquency.csv.
How often is Mortgage Delinquency updated?
Mortgage Delinquency is a quarterly series from Fed, refreshed here as soon as a new release posts to FRED.
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