The delinquency rate on real estate loans at commercial banks in the United States rose slightly between the fourth quarter of 2022 and the fourth quarter of 2023. Residential real estate loans had a higher delinquency rate at 1.78 percent, compared to 1.15 percent for commercial real estate. Nevertheless, residential loans experienced a decline in the delinquency rate year-on-year, while for the commercial sector, the opposite trend was observed.
Delinquency rates of real estate loans at commercial banks in the United States from 1st quarter 2000 to 4th quarter 2023
Characteristic
Real estate (total)
Residential*
Commercial**
Q4 2023
1.44%
1.78%
1.15%
Q3 2023
1.35%
1.7%
1.03%
Q2 2023
1.24%
1.68%
0.84%
Q1 2023
1.25%
1.74%
0.81%
Q4 2022
1.24%
1.85%
0.68%
Q3 2022
1.19%
1.8%
0.62%
Q2 2022
1.29%
1.9%
0.71%
Q1 2022
1.43%
2.12%
0.78%
Q4 2021
1.52%
2.32%
0.77%
Q3 2021
1.56%
2.3%
0.85%
Q2 2021
1.65%
2.41%
0.92%
Q1 2021
1.84%
2.65%
1.04%
Q4 2020
1.99%
2.85%
1.14%
Q3 2020
1.92%
2.84%
0.98%
Q2 2020
1.71%
2.47%
0.91%
Q1 2020
1.65%
2.37%
0.86%
Q4 2019
1.55%
2.38%
0.66%
Q3 2019
1.58%
2.42%
0.68%
Q2 2019
1.64%
2.53%
0.66%
Q1 2019
1.76%
2.7%
0.72%
Q4 2018
1.84%
2.9%
0.7%
Q3 2018
1.91%
3.02%
0.69%
Q2 2018
1.97%
3.14%
0.7%
Q1 2018
2.16%
3.42%
0.77%
Q4 2017
2.3%
3.73%
0.74%
Q3 2017
2.26%
3.62%
0.76%
Q2 2017
2.24%
3.6%
0.75%
Q1 2017
2.43%
3.9%
0.81%
Q4 2016
2.64%
4.25%
0.84%
Q3 2016
2.68%
4.28%
0.86%
Q2 2016
2.81%
4.49%
0.9%
Q1 2016
3.05%
4.83%
1%
Q4 2015
3.31%
5.27%
1.05%
Q3 2015
3.45%
5.43%
1.15%
Q2 2015
3.68%
5.71%
1.25%
Q1 2015
4.02%
6.15%
1.45%
Q4 2014
4.38%
6.71%
1.55%
Q3 2014
4.64%
6.95%
1.76%
Q2 2014
4.92%
7.32%
1.91%
Q1 2014
5.38%
7.82%
2.27%
Q4 2013
5.78%
8.36%
2.44%
Q3 2013
6.1%
8.6%
2.8%
Q2 2013
6.65%
9.18%
3.22%
Q1 2013
7.23%
9.72%
3.77%
Q4 2012
7.63%
10.18%
4.09%
Q3 2012
8.08%
10.62%
4.59%
Q2 2012
7.99%
10.26%
4.92%
Q1 2012
8.35%
10.4%
5.65%
Q4 2011
8.58%
10.52%
6.05%
Q3 2011
8.65%
10.28%
6.61%
Q2 2011
8.78%
10.29%
6.97%
Q1 2011
9.24%
10.51%
7.83%
Q4 2010
9.26%
10.5%
7.88%
Q3 2010
9.59%
10.67%
8.48%
Q2 2010
9.68%
10.72%
8.61%
Q1 2010
10.23%
11.36%
9.13%
Q4 2009
9.8%
10.97%
8.67%
Q3 2009
8.82%
9.49%
8.33%
Q2 2009
7.86%
8.21%
7.67%
Q1 2009
7.35%
7.88%
6.93%
Q4 2008
6.23%
7.05%
5.47%
Q3 2008
4.78%
5.16%
4.51%
Q2 2008
4.02%
4.15%
4.03%
Q1 2008
3.63%
3.67%
3.72%
Q4 2007
3.02%
3.3%
2.75%
Q3 2007
2.35%
2.73%
1.92%
Q2 2007
1.91%
2.17%
1.57%
Q1 2007
1.81%
2.01%
1.53%
Q4 2006
1.78%
2.11%
1.32%
Q3 2006
1.46%
1.72%
1.1%
Q2 2006
1.31%
1.53%
0.98%
Q1 2006
1.38%
1.57%
1.09%
Q4 2005
1.47%
1.78%
1.02%
Q3 2005
1.36%
1.54%
1.05%
Q2 2005
1.31%
1.47%
1.01%
Q1 2005
1.35%
1.4%
1.19%
Q4 2004
1.36%
1.51%
1.09%
Q3 2004
1.41%
1.55%
1.17%
Q2 2004
1.42%
1.52%
1.21%
Q1 2004
1.55%
1.63%
1.33%
Q4 2003
1.74%
1.93%
1.38%
Q3 2003
1.64%
1.68%
1.47%
Q2 2003
1.73%
1.74%
1.56%
Q1 2003
1.94%
1.96%
1.77%
Q4 2002
1.95%
2.13%
1.59%
Q3 2002
1.94%
2.05%
1.67%
Q2 2002
1.96%
2.06%
1.7%
Q1 2002
2.13%
2.21%
1.89%
Q4 2001
2.26%
2.41%
1.91%
Q3 2001
2.13%
2.19%
1.9%
Q2 2001
2.08%
2.3%
1.67%
Q1 2001
2.08%
2.28%
1.69%
Q4 2000
2.05%
2.42%
1.5%
Q3 2000
1.84%
2.07%
1.44%
Q2 2000
1.73%
1.89%
1.39%
Q1 2000
1.86%
1.95%
1.6%
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* Residential real estate loans include loans secured by one- to four-family properties, including home equity lines of credit, booked in domestic offices only. ** Commercial real estate loans include construction and land development loans, loans secured by multifamily residences, and loans secured by nonfarm, nonresidential real estate, booked in domestic offices, only. Quarterly figures, not seasonally adjusted. Delinquent loans are those past due 30 days or more and still accruing interests as well as those in nonaccrual status. They are measured as percentages of end-of-period loans.
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Federal Reserve. (February 23, 2024). Delinquency rates of real estate loans at commercial banks in the United States from 1st quarter 2000 to 4th quarter 2023 [Graph]. In Statista. Retrieved September 21, 2024, from https://www.statista.com/statistics/189632/us-mortgage-delinquency-rates-at-insured-commercial-banks-since-2000/
Federal Reserve. "Delinquency rates of real estate loans at commercial banks in the United States from 1st quarter 2000 to 4th quarter 2023." Chart. February 23, 2024. Statista. Accessed September 21, 2024. https://www.statista.com/statistics/189632/us-mortgage-delinquency-rates-at-insured-commercial-banks-since-2000/
Federal Reserve. (2024). Delinquency rates of real estate loans at commercial banks in the United States from 1st quarter 2000 to 4th quarter 2023. Statista. Statista Inc.. Accessed: September 21, 2024. https://www.statista.com/statistics/189632/us-mortgage-delinquency-rates-at-insured-commercial-banks-since-2000/
Federal Reserve. "Delinquency Rates of Real Estate Loans at Commercial Banks in The United States from 1st Quarter 2000 to 4th Quarter 2023." Statista, Statista Inc., 23 Feb 2024, https://www.statista.com/statistics/189632/us-mortgage-delinquency-rates-at-insured-commercial-banks-since-2000/
Federal Reserve, Delinquency rates of real estate loans at commercial banks in the United States from 1st quarter 2000 to 4th quarter 2023 Statista, https://www.statista.com/statistics/189632/us-mortgage-delinquency-rates-at-insured-commercial-banks-since-2000/ (last visited September 21, 2024)
Delinquency rates of real estate loans at commercial banks in the United States from 1st quarter 2000 to 4th quarter 2023 [Graph], Federal Reserve, February 23, 2024. [Online]. Available: https://www.statista.com/statistics/189632/us-mortgage-delinquency-rates-at-insured-commercial-banks-since-2000/