U.S. mortgage delinquency rates for FHA loans 2021

This statistic presents the mortgage delinquency rates for Federal Housing Administration (FHA) loans in the United States from 2000 to the second quarter of 2021. Under the effects of the coronavirus pandemic, the mortgage delinquency rate for the U.S. FHA loans spiked at 15.65 percent as of the second quarter of 2020 but headed for a gradual decline in the second half of the year. Historically, FHA mortgage delinquency rates have always been higher compared to other mortgage types.

Mortgage delinquency rates for Federal Housing Administration (FHA) loans in the United States from 2000 to 2nd quarter 2021

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Release date

August 2021

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Region

United States

Survey time period

2000 to Q2 2021

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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