Foreclosure Statistics: Filings Up 15% in Q2 2026 From a Year Earlier
The number of U.S. properties with a foreclosure filing was up 15% from a year earlier in the second quarter of 2026. A filing can be a notice, an auction or a repossession, depending on the stage of the foreclosure.
What Do the Latest Foreclosure Numbers Show?
The number of U.S. properties with at least one foreclosure filing was up 15% in the second quarter of 2026 from the same quarter a year earlier, according to ATTOM Data Solutions. A filing can be a default notice, an auction notice or a bank repossession, so this is a count of properties with foreclosure paperwork, not of homes lost, and it isn't a foreclosure rate.
The Federal Reserve Board's single-family mortgage delinquency rate for commercial banks was 1.9% in the second quarter of 2026, the same as in Q1 2026. FHA delinquency was 13.64% in August 2026, up from 12.51% a year earlier, according to the U.S. Department of Housing and Urban Development's monthly FHA report. That's about one in seven active FHA loans at least one payment behind, counting loans in foreclosure or bankruptcy. The American Distress Index read 47.0 (Typical) in Q2 2026. The composite itself sits higher than 44% of all published quarters since 2005.
Key Foreclosure Statistics at a Glance
The foreclosure-filing and FHA figures on this page are context for the American Distress Index, not inputs to it. The bank-booked mortgage delinquency rate feeds the index's Delinquency domain (20.0% weight), and a mortgage charge-off measure feeds its Default & Legal domain (20.0% weight). The FHA rate, 13.64% in HUD's monthly report, covers every active FHA-insured single-family loan.
How Has FHA Delinquency Changed?
FHA delinquency was 13.64% in August 2026, up from 12.51% a year earlier. Loans in forbearance, and since late 2025 loans in required FHA trial payment plans, count as delinquent, so reporting rules move this rate as well as borrower hardship.
FHA mortgage delinquency is higher than a year earlier
Share of active FHA loans at least one payment behind, including loans in foreclosure or bankruptcy, in HUD's monthly report, United States, not seasonally adjusted. Monthly, July 2017 to August 2026.
Full data: FHA mortgage delinquency rate indicator page (The FHA Signal)
FHA Delinquency Since 2019
The chart below zooms into 2019 onward. The Federal Reserve Board's bank-booked single-family mortgage rate, a different measure, was 1.9% in the second quarter of 2026, the same as in Q1 2026. The two aren't like-for-like: HUD's FHA rate counts loans at least one payment behind, while the Fed's is the share of loan dollars on commercial banks' books 30 or more days past due or in nonaccrual, and it includes FHA and VA loans.
FHA mortgage delinquency is higher than a year earlier
Share of active FHA loans at least one payment behind, including loans in foreclosure or bankruptcy, in HUD's monthly report, United States, not seasonally adjusted. Monthly, January 2019 to August 2026.
What Does the Starts-to-Repossessions Ratio Show?
ATTOM publishes two monthly counts: properties where lenders started foreclosure, and properties lenders repossessed. In August 2026, ATTOM counted 4.47 properties with foreclosure starts for every property repossessed that month. We compute that ratio from ATTOM's two counts. It compares two flows in the same month; it doesn't measure how many properties are still in process, whether that stock is growing or shrinking, or how many started foreclosures end in repossession. Separately, ATTOM reported that properties foreclosed in Q2 2026 had been in the foreclosure process for an average of 563 days.
How Do Foreclosure Indicators Compare?
These measurements come from different sources and count different things. The Federal Reserve Board's bank-booked delinquency rate covers single-family mortgages that commercial banks hold. HUD's FHA rate covers every active FHA-insured single-family loan. ATTOM's figures count properties with foreclosure documents. Keep each one with its own definition.
| Indicator | Current | Period | Source |
|---|---|---|---|
| FHA delinquency (at least one payment behind) | 13.64% | August 2026 | HUD |
| Single-family mortgage delinquency (commercial banks) | 1.9% | the second quarter of 2026 | Federal Reserve Board (FRED DRSFRMACBS) |
| Properties with foreclosure filings (change from a year earlier) | +15% | the second quarter of 2026 | ATTOM Data Solutions |
| Foreclosure starts per property repossessed (same month) | 4.47:1 | August 2026 | ATTOM counts; ratio by American Default |
FHA delinquency (HUD) counts FHA loans at least one payment behind, including loans in foreclosure or bankruptcy. Single-family bank-booked delinquency (Federal Reserve Board) tracks loans commercial banks hold on their own balance sheets. That is a holder, not a credit tier. ATTOM's filings figure counts properties with a default notice, auction notice or bank repossession entered in the quarter, compared with the same quarter a year earlier.
See also: Mortgage Delinquency and Housing Affordability Statistics.
FHA Delinquency: Recent Monthly Data
| Month | FHA delinquency rate (%) |
|---|---|
| January 2026 | 13.77 |
| February 2026 | 14.19 |
| March 2026 | 13.23 |
| April 2026 | 13.09 |
| May 2026 | 13.49 |
| June 2026 | 13.70 |
| July 2026 | 13.29 |
| August 2026 | 13.64 |
Source: HUD FHA Single-Family Loan Performance Trends. The national FHA rate is not seasonally adjusted and counts FHA loans at least one payment past due at month end, including loans in foreclosure or bankruptcy.
Questions about foreclosure statistics
What do the latest U.S. foreclosure numbers show?
The number of properties with a foreclosure filing was up 15% from a year earlier in the second quarter of 2026, according to ATTOM Data Solutions. That is a change in a count, not a foreclosure rate. The Federal Reserve Board's single-family mortgage delinquency rate for commercial banks was 1.9% in the second quarter of 2026, the same as in Q1 2026. FHA delinquency was 13.64% in August 2026 according to HUD, up from 12.51% a year earlier.
How does FHA delinquency compare to bank-booked single-family mortgage delinquency?
FHA delinquency was 13.64% in HUD's monthly report, and the Fed bank-booked single-family mortgage rate was 1.9%. The two are not like-for-like: HUD's rate counts FHA loans at least one payment behind, including loans in foreclosure, while the Fed's is the share of loan dollars on commercial banks' books 30 or more days past due or in nonaccrual, and it includes FHA and VA loans. FHA loans allow smaller down payments (as low as 3.5%).
Is current foreclosure activity comparable to the 2008 financial crisis?
The series on this page can't answer that directly. ATTOM's figures stored here start in 2021, and the Federal Reserve Board's bank-booked mortgage series changed accounting rules in 2010, so its comparisons start there. At 1.9% in the second quarter of 2026, the bank-booked rate is the 15th-lowest of the 66 quarters since 2010.
Where does foreclosure data come from?
The three sources are: ATTOM Data Solutions (properties with foreclosure filings, and monthly counts of foreclosure starts and repossessions, from documents collected in more than 3,000 counties); HUD FHA Single-Family Loan Performance Trends (monthly FHA delinquency rates); and the Board of Governors of the Federal Reserve System (single-family mortgage delinquency rate, series DRSFRMACBS, retrieved via FRED).
Data Sources and Methodology
ATTOM Data Solutions
Properties with at least one foreclosure filing (default notices, auction notices, bank repossessions) entered in ATTOM's data during the quarter. The indicator stores ATTOM's change from the same quarter a year earlier, as a whole percent. The starts-to-repossessions ratio divides ATTOM's monthly count of foreclosure starts by its count of repossessions for the same month.
HUD FHA Single-Family Loan Performance Trends
Monthly report on every active FHA-insured single-family forward loan. The All Past Due rate counts loans 30 or more days past due, including loans in foreclosure or bankruptcy. It is not seasonally adjusted.
Federal Reserve Board (FRED DRSFRMACBS)
Delinquency rate on single-family residential mortgages booked in domestic offices of commercial banks, seasonally adjusted. Reported quarterly by the Board of Governors of the Federal Reserve System. Delinquent loans are those 30 days or more past due, plus loans in nonaccrual status — not a 90-day threshold. Comparisons start in 2010, when accounting rules (FAS 166 and 167) changed which loans banks carry on their books.
We write with assistance from AI tools. Figures come from the data and sources named on this page.