Delinquency Rate on Single-Family Residential Mortgages (90+ days)
Mortgage loans 90+ days past due
What is the current Delinquency Rate on Single-Family Residential Mortgages (90+ days)?
The serious mortgage delinquency rate on single-family residential loans was 1.78% in Q4 2025, according to the Federal Reserve Board (FRED series DRSFRMACBS). This measures loans 90+ days past due at all commercial banks — the threshold where foreclosure proceedings typically begin. The current rate is stable and well below the 11.4% crisis peak in Q1 2010, but represents the conventional mortgage universe only. FHA-insured loans, tracked separately, show 11.52% delinquency — a 6.5x multiplier that the blended national rate obscures. Source: Board of Governors via FRED (DRSFRMACBS).
Delinquency Rate on Single-Family Residential Mortgages (90+ days) at 1.8%
Tracking stable relative to recent baseline.
Explore Further
How has Delinquency Rate on Single-Family Residential Mortgages (90+ days) changed over time?
| Period | Value | YoY Change |
|---|---|---|
| Q4 2025 | 1.78% | +0.0 pts |
| Q3 2025 | 1.78% | +0.0 pts |
| Q2 2025 | 1.79% | +0.1 pts |
| Q1 2025 | 1.78% | +0.1 pts |
| Q4 2024 | 1.77% | +0.1 pts |
| Q3 2024 | 1.74% | +0.0 pts |
| Q2 2024 | 1.73% | +0.0 pts |
| Q1 2024 | 1.71% | −0.0 pts |
| Q4 2023 | 1.7% | −0.1 pts |
| Q3 2023 | 1.72% | −0.1 pts |
| Q2 2023 | 1.72% | −0.2 pts |
| Q1 2023 | 1.74% | −0.3 pts |
Frequently Asked Questions
What is the current mortgage delinquency rate?
The serious mortgage delinquency rate (90+ days past due) on single-family residential loans at commercial banks was 1.78% in Q4 2025, per the Federal Reserve Board (FRED DRSFRMACBS). This covers conventional mortgages held by commercial banks — not FHA-insured loans, which are tracked separately.
Why does FHA delinquency matter more than the headline rate?
FHA-insured mortgage delinquency was 11.52% in Q4 2025 — 6.5 times the conventional rate of 1.78%. FHA borrowers are predominantly first-time buyers with lower incomes and smaller down payments. Their delinquency rate is a leading indicator of broader default trends because they are the first to feel economic pressure.
How does mortgage delinquency connect to the American Distress Index?
Mortgage delinquency is a component of the ADI's Debt Stress dimension, which carries 25% of the composite score. Cross-correlation analysis shows that Buffer Depletion (savings rate + debt service) leads mortgage delinquency by approximately 9 quarters — making the current low conventional rate potentially misleading if buffer indicators continue to deteriorate.
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