Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks
Mortgage loans 30+ days past due or in nonaccrual
Where the Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks stands now
The Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks was 1.9% in the second quarter of 2026. Since 2010 it has ranged from 1.7% in the fourth quarter of 2023 to 11.5% in the first quarter of 2010.
What it means for households: Mortgage Delinquency Statistics Behind on Your Mortgage?
How the Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks has moved since 1991
Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks: little changed over the past year
Single-family residential mortgage delinquency rate, all commercial banks: 1.9% in the second quarter of 2026, the same as in Q2 2025. Quarterly, 1991–2026.
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The quote: The delinquency rate on single-family residential mortgages at U.S. commercial banks was 1.9% in the second quarter of 2026, up from 1.8% a year earlier, according to the Federal Reserve Board. It counts loans 30 or more days past due plus loans in nonaccrual status, as a share of mortgage dollars on banks' books, and covers only mortgages held by commercial banks. Source: Federal Reserve Board data retrieved via FRED (DRSFRMACBS).
What the Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks measures
Measurement basis: 30+ days past due or in nonaccrual status, per the Federal Reserve Board Charge-Off and Delinquency Rates release
A higher rate is worse for households.
How the Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks feeds the American Distress Index
The American Distress Index (ADI) is our quarterly 0–100 score of how much financial strain U.S. households are under. Late payments are one of its five equal parts, and the Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks is one of the four late-payment measures inside that part.
In the second quarter of 2026, the Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks was higher than in 27% of the quarters since 1991, so it held the score down. The index stood at 47.0, which we call Typical.
Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks by quarter, 1991 to 2026
Every quarter since 1991, newest first. The change compares each quarter with the same quarter a year earlier.
The source changed how it measures this in Q1 2001. Readings before the March 2001 Call Report are partly estimated by the Federal Reserve rather than reported in full detail. Smaller banks filed the FFIEC 033 and 034 forms and could report charged-off and delinquent loans under their own loan classifications instead of the regulatory ones, so the Federal Reserve adjusted and allocated those amounts to the published loan categories using estimated ratios that differed by loan category. The Board states that from the March 2001 Call Report the detail reported by all banks eliminated the need for those procedures. In February 2017 it updated the models used to estimate data not reported by small banks that filed the FFIEC 034 form and revised the pre-2001 rates for several series, so values on that side of the boundary have already moved once without any new bank report. Figures on either side are not directly comparable, so the change column stays blank where a comparison would cross that date. Source documentation.
| Quarter | Rate | Change from a year earlier (percentage points) |
|---|---|---|
| Q2 2026 | 1.9% | +0.1 |
| Q1 2026 | 1.9% | +0.1 |
| Q4 2025 | 1.8% | 0.0 |
| Q3 2025 | 1.8% | +0.1 |
| Q2 2025 | 1.8% | +0.1 |
| Q1 2025 | 1.8% | +0.1 |
| Q4 2024 | 1.8% | +0.1 |
| Q3 2024 | 1.7% | 0.0 |
| Q2 2024 | 1.7% | 0.0 |
| Q1 2024 | 1.7% | 0.0 |
| Q4 2023 | 1.7% | -0.1 |
| Q3 2023 | 1.7% | -0.1 |
| Q2 2023 | 1.7% | -0.3 |
| Q1 2023 | 1.7% | -0.4 |
| Q4 2022 | 1.8% | -0.5 |
| Q3 2022 | 1.8% | -0.5 |
| Q2 2022 | 2.0% | -0.5 |
| Q1 2022 | 2.1% | -0.6 |
| Q4 2021 | 2.3% | -0.5 |
| Q3 2021 | 2.3% | -0.5 |
| Q2 2021 | 2.5% | 0.0 |
| Q1 2021 | 2.7% | +0.3 |
| Q4 2020 | 2.8% | +0.5 |
| Q3 2020 | 2.8% | +0.4 |
| Q2 2020 | 2.5% | -0.1 |
| Q1 2020 | 2.4% | -0.3 |
| Q4 2019 | 2.3% | -0.5 |
| Q3 2019 | 2.4% | -0.6 |
| Q2 2019 | 2.6% | -0.6 |
| Q1 2019 | 2.7% | -0.8 |
| Q4 2018 | 2.8% | -0.8 |
| Q3 2018 | 3.0% | -0.6 |
| Q2 2018 | 3.2% | -0.5 |
| Q1 2018 | 3.5% | -0.4 |
| Q4 2017 | 3.6% | -0.5 |
| Q3 2017 | 3.6% | -0.8 |
| Q2 2017 | 3.7% | -0.9 |
| Q1 2017 | 3.9% | -0.9 |
| Q4 2016 | 4.1% | -1.0 |
| Q3 2016 | 4.4% | -1.0 |
| Q2 2016 | 4.6% | -1.2 |
| Q1 2016 | 4.8% | -1.4 |
| Q4 2015 | 5.1% | -1.4 |
| Q3 2015 | 5.4% | -1.7 |
| Q2 2015 | 5.8% | -1.6 |
| Q1 2015 | 6.2% | -1.6 |
| Q4 2014 | 6.5% | -1.8 |
| Q3 2014 | 7.1% | -1.6 |
| Q2 2014 | 7.4% | -1.9 |
| Q1 2014 | 7.8% | -1.9 |
| Q4 2013 | 8.3% | -1.7 |
| Q3 2013 | 8.7% | -1.8 |
| Q2 2013 | 9.3% | -1.2 |
| Q1 2013 | 9.7% | -0.6 |
| Q4 2012 | 10.0% | -0.3 |
| Q3 2012 | 10.5% | 0.0 |
| Q2 2012 | 10.5% | -0.1 |
| Q1 2012 | 10.3% | -0.1 |
| Q4 2011 | 10.3% | 0.0 |
| Q3 2011 | 10.5% | -0.2 |
| Q2 2011 | 10.6% | -0.5 |
| Q1 2011 | 10.4% | -1.1 |
| Q4 2010 | 10.3% | — |
| Q3 2010 | 10.7% | — |
| Q2 2010 | 11.1% | — |
| Q1 2010 | 11.5% | — |
| Q4 2009 | 10.4% | — |
| Q3 2009 | 9.5% | — |
| Q2 2009 | 8.6% | — |
| Q1 2009 | 8.0% | — |
| Q4 2008 | 6.6% | — |
| Q3 2008 | 5.3% | — |
| Q2 2008 | 4.4% | — |
| Q1 2008 | 3.7% | — |
| Q4 2007 | 3.1% | — |
| Q3 2007 | 2.7% | — |
| Q2 2007 | 2.3% | — |
| Q1 2007 | 2.1% | — |
| Q4 2006 | 1.9% | — |
| Q3 2006 | 1.7% | — |
| Q2 2006 | 1.6% | — |
| Q1 2006 | 1.6% | — |
| Q4 2005 | 1.6% | — |
| Q3 2005 | 1.6% | — |
| Q2 2005 | 1.6% | — |
| Q1 2005 | 1.4% | — |
| Q4 2004 | 1.4% | — |
| Q3 2004 | 1.6% | — |
| Q2 2004 | 1.6% | — |
| Q1 2004 | 1.6% | — |
| Q4 2003 | 1.8% | — |
| Q3 2003 | 1.7% | — |
| Q2 2003 | 1.8% | — |
| Q1 2003 | 2.0% | — |
| Q4 2002 | 2.0% | — |
| Q3 2002 | 2.1% | — |
| Q2 2002 | 2.2% | — |
| Q1 2002 | 2.2% | — |
| Q4 2001 | 2.3% | — |
| Q3 2001 | 2.2% | — |
| Q2 2001 | 2.4% | — |
| Q1 2001 | 2.3% | — |
| Q4 2000 | 2.2% | +0.2 |
| Q3 2000 | 2.1% | -0.1 |
| Q2 2000 | 2.0% | +0.1 |
| Q1 2000 | 2.0% | +0.1 |
| Q4 1999 | 2.0% | 0.0 |
| Q3 1999 | 2.2% | +0.1 |
| Q2 1999 | 1.9% | -0.2 |
| Q1 1999 | 1.9% | -0.3 |
| Q4 1998 | 2.0% | -0.2 |
| Q3 1998 | 2.1% | -0.2 |
| Q2 1998 | 2.1% | -0.2 |
| Q1 1998 | 2.2% | -0.1 |
| Q4 1997 | 2.2% | -0.1 |
| Q3 1997 | 2.3% | +0.1 |
| Q2 1997 | 2.3% | 0.0 |
| Q1 1997 | 2.3% | +0.1 |
| Q4 1996 | 2.3% | +0.1 |
| Q3 1996 | 2.2% | 0.0 |
| Q2 1996 | 2.3% | +0.2 |
| Q1 1996 | 2.2% | +0.1 |
| Q4 1995 | 2.2% | +0.1 |
| Q3 1995 | 2.2% | 0.0 |
| Q2 1995 | 2.1% | -0.2 |
| Q1 1995 | 2.1% | -0.3 |
| Q4 1994 | 2.1% | -0.3 |
| Q3 1994 | 2.2% | -0.4 |
| Q2 1994 | 2.3% | -0.4 |
| Q1 1994 | 2.4% | -0.4 |
| Q4 1993 | 2.4% | -0.4 |
| Q3 1993 | 2.6% | -0.3 |
| Q2 1993 | 2.7% | -0.4 |
| Q1 1993 | 2.8% | -0.3 |
| Q4 1992 | 2.8% | -0.5 |
| Q3 1992 | 2.9% | -0.3 |
| Q2 1992 | 3.1% | -0.1 |
| Q1 1992 | 3.1% | 0.0 |
| Q4 1991 | 3.3% | — |
| Q3 1991 | 3.2% | — |
| Q2 1991 | 3.2% | — |
| Q1 1991 | 3.1% | — |
Quarterly · Board of Governors of the Federal Reserve System data retrieved via FRED (DRSFRMACBS)
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 Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks
What is the current mortgage delinquency rate at banks?
The delinquency rate on single-family residential mortgages at U.S. commercial banks was 1.9% in the second quarter of 2026, up from 1.8% a year earlier, according to the Federal Reserve Board. It counts loans 30 or more days past due plus loans in nonaccrual status, as a share of mortgage dollars on banks' books, and covers only mortgages held by commercial banks. Source: Federal Reserve Board data retrieved via FRED (DRSFRMACBS).
Does this rate count only loans 90 days late?
No. It counts mortgage balances 30 or more days past due plus balances in nonaccrual status, so it mixes early and late delinquency. It includes home equity lines of credit and FHA and VA loans held by commercial banks.
How does mortgage delinquency connect to the American Distress Index?
Mortgage delinquency is one of four inputs to the American Distress Index's Delinquency domain, alongside credit card, consumer loan and auto loan delinquency. Each input is scored against its own quarterly history.
Where does this data come from?
The Federal Reserve Board compiles it from the Call Reports that commercial banks file and publishes it about two months after each quarter ends. FRED republishes it as DRSFRMACBS.
Sources and method for the Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks
- Board of Governors of the Federal Reserve System data retrieved via FRED (DRSFRMACBS) Measurement basis: 30+ days past due or in nonaccrual status, per the Federal Reserve Board Charge-Off and Delinquency Rates release We use the quarterly figures as published, from the first quarter of 1991 through the second quarter of 2026, with no adjustment of our own. Board of Governors of the Federal Reserve System’s report
- American Default Research · American Distress Index American Default Research uses this rate in the American Distress Index.