---
title: "Total Delinquency Rate (All Loan Types)"
slug: falling-behind
summary: "Total delinquency rate at 4.7%, up from 4.4% a year earlier"
category: "Debt"
unit: percent
frequency: quarterly
direction: higher_is_worse
latest_value: 4.73015322655927
latest_period: "2026-Q2"
trend: rising
last_updated: "2026-08-11T00:00:00Z"
source: "New York Fed Consumer Credit Panel / Equifax"
source_url: https://www.newyorkfed.org/microeconomics/hhdc
canonical_html: https://americandefault.org/indicators/falling-behind/
citation_apa: "Kilburn, R. (2026). Total Delinquency Rate (All Loan Types) [Data set]. American Default Research. https://americandefault.org/indicators/falling-behind/"
citation_chicago: "Kilburn, Ross. 2026. \"Total Delinquency Rate (All Loan Types).\" American Default Research. https://americandefault.org/indicators/falling-behind/."
citation_mla: "Kilburn, Ross. \"Total Delinquency Rate (All Loan Types).\" American Default Research, 2026, americandefault.org/indicators/falling-behind/."
---

# Total Delinquency Rate (All Loan Types)

Also tracked as Falling Behind.

> Total delinquency rate at 4.7%, up from 4.4% a year earlier

## Current Reading

As of 2026-Q2, Total Delinquency Rate (All Loan Types) is **4.73%** (rising — worsening for households).

of debt balances on credit reports are 30+ days late

## What Changed

- The share of consumer debt balances 30 or more days late was 4.7% in Q2 2026, up from 4.4% a year earlier.
- Higher than a year earlier for two quarters in a row.

## Recent Values

| Period | Value |
|--------|-------|
| 2026-Q2 | 4.73% |
| 2026-Q1 | 4.76% |
| 2025-Q4 | 4.81% |
| 2025-Q3 | 4.49% |
| 2025-Q2 | 4.41% |
| 2025-Q1 | 4.35% |
| 2024-Q4 | 3.58% |
| 2024-Q3 | 3.54% |
| 2024-Q2 | 3.2% |
| 2024-Q1 | 3.25% |
| 2023-Q4 | 3.13% |
| 2023-Q3 | 2.99% |

## Historical Context

This series is not comparable end to end, so no all-time extreme or long-run average is published for it. The source changed what it measures on the following date(s):

- Q3 2012: The New York Fed says previously unreported defaulted student loans reappeared on credit reports in the third quarter of 2012, entering both the late balances and the total, so the student-loan part of this share is not measured the same way on either side of that quarter. Source: https://www.newyorkfed.org/microeconomics/faq.html
- Q2 2020: From the second quarter of 2020 federal student loans in the pandemic payment pause were reported as current, and the New York Fed said accounts in forbearance were typically reported current on credit reports. Source: https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/HHDC_2020Q2.pdf
- Q4 2022: In the fourth quarter of 2022 the Education Department's Fresh Start program marked more than $34 billion of defaulted federal student loans as current, which the New York Fed tied to that quarter's drop in reported student-loan delinquency. Source: https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/HHDC_2022Q4.pdf
- Q1 2025: In the first quarter of 2025 the New York Fed says missed federal student loan payments from the pause period began appearing on credit reports again, so readings from then on are not on the same footing as 2020 through 2024. Source: https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/HHDC_2025Q1.pdf

Compare readings only within a single segment. Subtracting across one of these dates measures the change in method, not in household conditions.

## Methodology

This indicator carries quarterly observations and is interpreted as higher values indicate worse household conditions. Source: New York Fed Consumer Credit Panel / Equifax.
Automation: collected automatically on the daily refresh pipeline, with no hand entry.

## Source

New York Fed Consumer Credit Panel / Equifax — [https://www.newyorkfed.org/microeconomics/hhdc](https://www.newyorkfed.org/microeconomics/hhdc)

Data retrieved: 2026-08-11T00:00:00Z

## Related Indicators

- [serious-delinquency-rate-90-days-all-loan-types](https://americandefault.org/indicators/serious-delinquency-rate-90-days-all-loan-types/)
- [the-late-fee](https://americandefault.org/indicators/the-late-fee/)

## Machine-Readable Endpoints

- HTML page: https://americandefault.org/indicators/falling-behind/
- JSON: https://americandefault.org/api/indicators/falling-behind.json
- CSV: https://americandefault.org/api/downloads/falling-behind.csv
- BibTeX: https://americandefault.org/citations/falling-behind.bib
- RIS: https://americandefault.org/citations/falling-behind.ris

## Citation

**APA 7th**

    Kilburn, R. (2026). Total Delinquency Rate (All Loan Types) [Data set]. American Default Research. https://americandefault.org/indicators/falling-behind/

**Chicago (author-date)**

    Kilburn, Ross. 2026. "Total Delinquency Rate (All Loan Types)." American Default Research. https://americandefault.org/indicators/falling-behind/.

**MLA 9th**

    Kilburn, Ross. "Total Delinquency Rate (All Loan Types)." American Default Research, 2026, americandefault.org/indicators/falling-behind/.

Use **American Default Research** as the institutional name in source lists, bibliographies, and press citations. **American Default** is the brand and URL form. **American Distress Index (ADI)** is the product name for the national composite score.