Fannie Mae and Freddie Mac Loans in Forbearance
Fannie Mae and Freddie Mac loans on a forbearance plan at the end of each month
Where the Fannie Mae and Freddie Mac Loans in Forbearance stands now
The Fannie Mae and Freddie Mac Loans in Forbearance was 37,000 in June 2026, up from the 32,000 low in June 2024. It has been higher than a year earlier for two months in a row.
How the Fannie Mae and Freddie Mac Loans in Forbearance has moved since 2024
Fannie Mae and Freddie Mac Loans in Forbearance: up since 2024
Loans in forbearance at month end, Fannie Mae and Freddie Mac, FHFA Foreclosure Prevention and Refinance Report: 37,000 in June 2026, up from 35,000 a year earlier. Monthly, 2024–2026.
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The quote: Fannie Mae and Freddie Mac had 37,283 loans on a forbearance plan at the end of June 2026, 2,570 more than a year earlier. Forbearance pauses or cuts the monthly payment for a set time. The count covers only the two companies' single-family loans. Source: Federal Housing Finance Agency, Foreclosure Prevention and Refinance Report.
What the Fannie Mae and Freddie Mac Loans in Forbearance measures
Measurement basis: Number of Fannie Mae and Freddie Mac single-family loans in a forbearance plan at month end (FHFA: Inventory, number of loans at period end, Forbearance Plans). A forbearance plan reduces or suspends the monthly payment for a set period. A count of loans on a plan at that date, not of plans started or completed in the month. Read from the Highlights page of FHFA's Foreclosure Prevention and Refinance Report; a quarter-end month is published from the quarterly edition when it arrives. If a later monthly edition restates it, we log the new figure for review and keep the published one.
This product uses FHFA data but is neither endorsed nor certified by FHFA.
Fannie Mae and Freddie Mac Loans in Forbearance by month, 2024 to 2026
| Month | Count | Change from a year earlier |
|---|---|---|
| Jun 2026 | 37K | +2K |
| May 2026 | 38K | +2K |
| Apr 2026 | 38K | 0 |
| Mar 2026 | 37K | -4K |
| Feb 2026 | 39K | -5K |
| Jan 2026 | 43K | -5K |
| Dec 2025 | 47K | -4K |
| Nov 2025 | 49K | -9K |
| Oct 2025 | 42K | -10K |
| Sep 2025 | 33K | -7K |
| Aug 2025 | 34K | -4K |
| Jul 2025 | 34K | -1K |
| Jun 2025 | 35K | +3K |
| May 2025 | 36K | — |
| Apr 2025 | 38K | — |
| Mar 2025 | 41K | +7K |
| Feb 2025 | 44K | — |
| Jan 2025 | 48K | — |
| Dec 2024 | 51K | — |
| Nov 2024 | 58K | — |
| Oct 2024 | 52K | — |
| Sep 2024 | 40K | — |
| Aug 2024 | 38K | — |
| Jul 2024 | 35K | — |
| Jun 2024 | 32K | — |
| Mar 2024 | 34K | — |
Monthly · Federal Housing Finance Agency, Foreclosure Prevention and Refinance Report
Counties with the highest delinquency scores
There's no county figure for this measure, so this list uses the delinquency part of our County Distress Index.
| Rank | County | Score (0–100) |
|---|---|---|
| 1 | Coahoma County, MS | 99.5 |
| 2 | Leflore County, MS | 99.4 |
| 3 | Washington County, MS | 99.3 |
| 4 | Williamsburg County, SC | 99.2 |
| 5 | Clayton County, GA | 99.2 |
| 6 | Yazoo County, MS | 98.6 |
| 7 | Dillon County, SC | 98.5 |
| 8 | Sunflower County, MS | 98.5 |
| 9 | Dallas County, AL | 98.2 |
| 10 | Marlboro County, SC | 98.1 |
Common questions about the Fannie Mae and Freddie Mac Loans in Forbearance
What is forbearance?
A pause or a cut in the monthly mortgage payment for a set time, agreed with the servicer. When the plan ends, FHFA's glossary says, the borrower resumes regular payments and pays toward what was missed, or works with the servicer on a permanent fix such as a loan modification.
Does a bigger count mean more households are in trouble?
Not on its own. A loan on a plan has hit trouble, and the plan is also help, so the count can grow with need or with relief. Read it beside Serious Delinquency Rate, Fannie Mae and Freddie Mac Loans and Foreclosure Starts, Fannie Mae and Freddie Mac Loans.
Does this count cover every mortgage?
No. It covers only single-family loans owned or guaranteed by Fannie Mae and Freddie Mac. FHA, VA and bank-portfolio loans are not in it.
Where does this data come from?
The Federal Housing Finance Agency's Foreclosure Prevention and Refinance Report, which FHFA publishes as a PDF with no release calendar: a monthly edition for eight months of the year and a quarterly edition for March, June, September and December. We read the Highlights table of each new edition with an automated parser and check every number against the PDF's own text before it is saved.
Sources and method for the Fannie Mae and Freddie Mac Loans in Forbearance
- Federal Housing Finance Agency, Foreclosure Prevention and Refinance Report Measurement basis: Number of Fannie Mae and Freddie Mac single-family loans in a forbearance plan at month end (FHFA: Inventory, number of loans at period end, Forbearance Plans). A forbearance plan reduces or suspends the monthly payment for a set period. A count of loans on a plan at that date, not of plans started or completed in the month. Read from the Highlights page of FHFA's Foreclosure Prevention and Refinance Report; a quarter-end month is published from the quarterly edition when it arrives. If a later monthly edition restates it, we log the new figure for review and keep the published one. We use the monthly figures as published, from March 2024 through June 2026, with no adjustment of our own. Federal Housing Finance Agency doesn’t adjust this count for the season, so compare a month with the same month a year earlier. Federal Housing Finance Agency’s report