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Mortgage delinquency rate in the U.S. 2000-2017
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Mortgage delinquency rate in the U.S. 2000-2017
Mortgage delinquency rates in the United States from 2000 to 2017
by Jennifer Rudden,
last edited
Aug 9, 2019
In 2017, the mortgage delinquency rate was 4.8 percent, down from its peak of 9.4 percent in 2009. Following a dramatic rise associated with the subprime mortgage crisis of 2007-2010, the U.S. mortgage delinquency rate has been trending back towards the long-term average over recent years.
‘Mortgage delinquency rate’
The mortgage delinquency rate is the share of the total number of mortgaged home loans in the U.S. where payment is overdue by 30 days or more. Many borrowers are eventually able to service their loan though, with foreclosure rates being generally 50-75 percent lower than delinquency rates. Total home mortgage debt in the U.S. stood at 10.34 trillion U.S. dollars in 2018.
‘Subprime mortgages’
‘Subprime’ loans, being targeted at high-risk borrowers and generally coupled with higher interest rates to compensate for the risk, have far higher delinquency rates than conventional loans. Defaulting on such loans was one of the triggers for the 2007-2010 financial crisis, with subprime delinquency rates reaching almost 26 percent around this time. These higher delinquency rates translate into higher foreclosure rates, which peaked at just under 15 percent of all subprime mortgages in 2011.
Mortgage delinquency rates in the United States from 2000 to 2017
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by Jennifer Rudden,
last edited
Aug 9, 2019
In 2017, the mortgage delinquency rate was 4.8 percent, down from its peak of 9.4 percent in 2009. Following a dramatic rise associated with the subprime mortgage crisis of 2007-2010, the U.S. mortgage delinquency rate has been trending back towards the long-term average over recent years.
‘Mortgage delinquency rate’
The mortgage delinquency rate is the share of the total number of mortgaged home loans in the U.S. where payment is overdue by 30 days or more. Many borrowers are eventually able to service their loan though, with foreclosure rates being generally 50-75 percent lower than delinquency rates. Total home mortgage debt in the U.S. stood at 10.34 trillion U.S. dollars in 2018.
‘Subprime mortgages’
‘Subprime’ loans, being targeted at high-risk borrowers and generally coupled with higher interest rates to compensate for the risk, have far higher delinquency rates than conventional loans. Defaulting on such loans was one of the triggers for the 2007-2010 financial crisis, with subprime delinquency rates reaching almost 26 percent around this time. These higher delinquency rates translate into higher foreclosure rates, which peaked at just under 15 percent of all subprime mortgages in 2011.
- Show sources information
- Show publisher information
- Release date
- December 2018
- Region
- United States
- Survey time period
- 2000, 2005, 2008 to 2017
- Supplementary notes
-
Number of loans delinquent 30 days or more as percentage of mortgage loans serviced in survey. Annual average of quarterly figures. Delinquency rate does not include loans in the process of foreclosure.
Covers one- to four-family residential non farm mortgage loans. Mortgage origination is the making of a new mortgage, including all steps taken by a lender to attract and qualify a borrower, process the mortgage loan, and place it on the lender’s books.
Based on the national Delinquency Survey which covers 45 million loans on one- to four unit properties, representing between 80 to 85 percent of all 'first lien' residential mortgage loan outstanding. Loans surveyed were reported by approximately 120 lenders, including mortgage bankers, commercial banks and thrifts.
Source
- Show sources information
- Show publisher information
- Release date
- December 2018
More information
- Region
- United States
- Survey time period
- 2000, 2005, 2008 to 2017
- Supplementary notes
-
Number of loans delinquent 30 days or more as percentage of mortgage loans serviced in survey. Annual average of quarterly figures. Delinquency rate does not include loans in the process of foreclosure.
Covers one- to four-family residential non farm mortgage loans. Mortgage origination is the making of a new mortgage, including all steps taken by a lender to attract and qualify a borrower, process the mortgage loan, and place it on the lender’s books.
Based on the national Delinquency Survey which covers 45 million loans on one- to four unit properties, representing between 80 to 85 percent of all 'first lien' residential mortgage loan outstanding. Loans surveyed were reported by approximately 120 lenders, including mortgage bankers, commercial banks and thrifts.
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Mortgage industry of the United States
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Statistics on "Mortgage industry of the United States"
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The most important statistics
- Gross domestic product (GDP) of the United States from 1990 to 2018 (in billion current U.S. dollars )United States - annual GDP 1990-2018
- Monthly 12-month inflation rate in the United States from August 2018 to August 2019United States - monthly inflation rate in August 2019
- United States: Unemployment rate from 1998 to 2018Unemployment rate in the United States 2018
- Prediction of 10 year U.S. treasury note yield from August 2019 to April 2020Prediction of 10 year U.S. treasury note rates 2019
- S&P/Case Shiller U.S. National Home Price Index from 2000 to 2018U.S. housing: Case Shiller National Home Price Index 2000-2018
- Value of debt owned by consumers in the United States as of September 2018, by type (in trillion U.S. dollars)Value of debt owned by consumers in the U.S. 2018, by type
- Housing market
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- Number of private housing units started in the United States from 2000 to 2018 (in thousands)Number of private housing units started in the U.S. 2000-2018
- Number of single-family housing unit starts in the United States from 2000 to 2020 (in thousands)Number of single-family housing unit starts in the U.S. 2000-2020
- Number of multifamily housing starts in the United States from 2000 to 2018 (in thousands)Number of multifamily housing starts in the U.S. 2000-2018
- Average sales price of new homes sold in the U.S. from 1965 to 2018 (in 1,000 U.S. dollars)U.S. house prices: average sales price of new homes sold 1965-2018
- Total home sales in the United States from 2011 to 2020 (in millions)Total home sales in the U.S. 2011-2020
- Number of existing homes sold in the United States from 2005 to 2020 (in million units)U.S. existing home sales 2005-2020
- Sales price of existing single-family homes in the United States from 2000 to 2018 (in thousand U.S. dollars)Sales price of existing single-family houses in the U.S. 2000-2018
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- Volume of commercial mortgage-backed securities (CMBS) originations in the United States from 2000 to 2018 (in billions)Volume of CMBS originations in the U.S. 2000-2018
- Mortgage originations on one-to-four family properties in the United States from 1st quarter 2012 to 1st quarter 2019, by type (in billion U.S. dollars)Mortgage originations in the U.S. 2012-2019, by type
- Leading reverse mortgage lenders in the United States as of October 2018, by market shareLeading reverse mortgage lenders in the U.S. 2018, by market share
- Leading reverse mortgage companies in the United States as of June 2019, by total volume of HECM loans (in 1,000s)Leading reverse mortgage companies in the U.S. as of 2019, by volume of loans
- Average loan to value ratio in the United States in 2019, by stateAverage LTV ratio in the U.S. 2019, by state
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The most important statistics
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- Value of mortgage debt outstanding in the United States from 2001 to 2018 (in trillion U.S. dollars)Mortgage debt outstanding in the U.S. 2001-2018
- Value of mortgage debt outstanding on family residences in the United States from 2001 to 2018 (in trillion U.S. dollars)Mortgage debt outstanding on family residences in the U.S. 2001-2018
- Value of mortgage debt outstanding on multifamily residences in the United States from 2001 to 2018 (in billion U.S. dollars)Mortgage debt outstanding on multifamily residences in the U.S. 2001-2018
- Mortgage delinquency rates in the United States from 2000 to 2017Mortgage delinquency rate in the U.S. 2000-2017
- Share of income spent on mortgage payments in selected metro areas in the Unites States in 2018Least affordable metro areas U.S. 2018, by income spent on mortgage
- Foreclosure rate in the United States from 2005 to 2018Foreclosure rate U.S. 2005-2018
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The most important statistics
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- Rates on 30-year conventional mortgage in the United States from 1975 to 2018Rates on 30-year conventional mortgage in the U.S. 1975-2018
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- Customer perspective
The most important statistics
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- Average length of time spent by mortgage holders researching home loans before purchase in the United States in 2018Time spent by mortgage holders researching home loans pre-purchase in the U.S. 2018
- Share of mortgage holders who compared APRs and closing costs before choosing a lender in the United States in 2018Mortgage holders who compared home loan costs in the U.S. 2018
- Steps taken by mortgage holders before applying for their mortgage in the United States in 2018Steps mortgage holders took before application in the U.S. 2018
- Share of homeowners who had selected regrets about their mortgage in the United States in 2019, by ageShare of homeowners with regrets about their mortgage in the U.S. 2019 by age
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Further Content: Statistics, Studies, and Topic Pages
Statistics
- Mortgage delinquency rate in the U.S. 2016, by loan type
- U.S. mortgage delinquency rates for FHA loans 2000-2017
- Mortgage delinquency rate for subprime conventional loans in the U.S. 2000-2016
- Mortgage delinquency rate for prime conventional loans in the U.S. 2000-2016
- Mortgage delinquency rates for VA loans in the U.S. 2000-2017
- Mortgage usage in France in 2014-2018
- Monthly interest rate for new mortgages Belgium rate fixation 1 to 5 years 2018-2019
- Monthly interest rate new mortgages Belgium rate fixation <1 year 2018-2019
- Number of housing loans in the United Kingdom (UK) 2015-2017, by purpose
- U.S. households and NPOs liabilities in commercial mortgages 2000-2017
- Perceived mortgage intermediary reward in the Netherlands 2009-2016
- Share of U.S. loans in foreclosure processes 2000-2017
- Refinance U.S. mortgage originations 2000-2017
- Purchase U.S. mortgage originations 2000-2017
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- hypostat 2017 | A review of Europe's mortgage and housing markets
Statistics on "Mortgage industry of the United States"
- Gross domestic product (GDP) of the United States from 1990 to 2018 (in billion current U.S. dollars )
- Monthly 12-month inflation rate in the United States from August 2018 to August 2019
- United States: Unemployment rate from 1998 to 2018
- Prediction of 10 year U.S. treasury note yield from August 2019 to April 2020
- S&P/Case Shiller U.S. National Home Price Index from 2000 to 2018
- Value of debt owned by consumers in the United States as of September 2018, by type (in trillion U.S. dollars)
- Number of private housing units started in the United States from 2000 to 2018 (in thousands)
- Number of single-family housing unit starts in the United States from 2000 to 2020 (in thousands)
- Number of multifamily housing starts in the United States from 2000 to 2018 (in thousands)
- Average sales price of new homes sold in the U.S. from 1965 to 2018 (in 1,000 U.S. dollars)
- Total home sales in the United States from 2011 to 2020 (in millions)
- Number of existing homes sold in the United States from 2005 to 2020 (in million units)
- Sales price of existing single-family homes in the United States from 2000 to 2018 (in thousand U.S. dollars)
- S&P/Case Shiller U.S. National Home Price Index from February 2017 to February 2019
- Freddie Mac House Price Index price appreciation from 2010 to 2018
- Residential mortgage backed security issuance in the United States from 2003 to 2018 (in billion U.S. dollars)
- Number of home equity conversion mortgages (HECM) in the United States from 2005 to 2018
- Volume of commercial mortgage-backed securities (CMBS) originations in the United States from 2000 to 2018 (in billions)
- Mortgage originations on one-to-four family properties in the United States from 1st quarter 2012 to 1st quarter 2019, by type (in billion U.S. dollars)
- Leading reverse mortgage lenders in the United States as of October 2018, by market share
- Leading reverse mortgage companies in the United States as of June 2019, by total volume of HECM loans (in 1,000s)
- Average loan to value ratio in the United States in 2019, by state
- Home mortgage debt of households and nonprofit organizations in the United States from 1st quarter 2012 to 1st quarter 2019 (in trillion U.S. dollars)
- Value of mortgage debt outstanding in the United States from 2001 to 2018 (in trillion U.S. dollars)
- Value of mortgage debt outstanding on family residences in the United States from 2001 to 2018 (in trillion U.S. dollars)
- Value of mortgage debt outstanding on multifamily residences in the United States from 2001 to 2018 (in billion U.S. dollars)
- Mortgage delinquency rates in the United States from 2000 to 2017
- Share of income spent on mortgage payments in selected metro areas in the Unites States in 2018
- Foreclosure rate in the United States from 2005 to 2018
- Mortgage interest rates from 4th quarter 2018 to 1st quarter 2019 in the United States, by mortgage type
- Rates on 30-year conventional mortgage in the United States from 1975 to 2018
- Rates on 15-year fixed rate mortgage in the United States from 1992 to 2018
- Rates on 1-year adjustable mortgages in the United States from 2005 to 2016
- Distribution of mortgage complaints reported to Consumer Financial Protection Bureau in the United States in 2018
- Average length of time spent by mortgage holders researching home loans before purchase in the United States in 2018
- Share of mortgage holders who compared APRs and closing costs before choosing a lender in the United States in 2018
- Steps taken by mortgage holders before applying for their mortgage in the United States in 2018
- Share of homeowners who had selected regrets about their mortgage in the United States in 2019, by age
- Mortgage delinquency rates in the United States in 2016, by loan type
- Mortgage delinquency rates for Federal Housing Administration (FHA) loans in the United States from 2000 to 2017
- Mortgage delinquency rates for subprime conventional loans in the United States from 2000 to 2016
- Mortgage delinquency rates for prime conventional loans in the United States from 2000 to 2016
- Mortgage delinquency rates for Veterans Administration (VA) loans in the United States from 2000 to 2017
- Number of people having mortgages in France from 2014 to 2018 (in 1,000s)
- Interest rate for new mortgages in Belgium with one and up to five years initial rate fixation from March 2018 to March 2019
- Interest rate for new mortgages in Belgium with floating rate and up to one year initial rate fixation from March 2018 to March 2019
- Number of housing loans in the United Kingdom (UK) from August 2015 to August 2017, by loan purpose
- Total commercial mortgage liabilities of households and nonprofit organizations in the United States from 2000 to 2017 (in billion U.S. dollars)
- How do you think your mortgage intermediary being rewarded?*
- Share of loans in foreclosure processes in the United States from 2000 to 2017
- Refinance mortgage originations in the United States from 2000 to 2017 (in billion U.S. dollars)
- Purchase mortgage originations in the United States from 2000 to 2017 (in billion U.S. dollars)
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