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Mortgage delinquency rate in the U.S. 2000-2018

In 2018, the mortgage delinquency rate was 4.4 percent, down from its peak of 9.3 percent in 2010. 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 2018

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Release date

December 2019


United States

Survey time period

2000, 2005, 2008 to 2018

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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