FHA Mortgage Delinquency Rate Was 13.64% in Aug 2026
About one in seven FHA loans was at least one payment behind in August 2026, higher than a year earlier. That is the share of loans, not the share of dollars owed.
What Is the Current Mortgage Delinquency Rate?
13.64% of FHA mortgages were behind on their payments in August 2026, up from 12.51% a year earlier, according to the U.S. Department of Housing and Urban Development. That counts loans already in foreclosure or bankruptcy.
The Federal Reserve Board's bank-booked single-family mortgage rate was 1.9% in the second quarter of 2026, the same as in Q1 2026. It's a different measure: the share of mortgage dollars on commercial banks' books 30 or more days past due or in nonaccrual, and it includes FHA and VA loans. The bank-booked rate is a direct input to the American Distress Index's Delinquency domain; the FHA rate is context. The index read 47.0 (Typical) in Q2 2026. The composite itself sits higher than 44% of all published quarters since 2005.
Key Statistics at a Glance
The American Distress Index read 47.0 (Typical) in Q2 2026. The composite itself sits higher than 44% of all published quarters since 2005. The bank-booked mortgage delinquency rate feeds the index's Delinquency domain. FHA performance is context the index sits alongside.
What the FHA Rate Covers
FHA insures mortgages that allow down payments as low as 3.5%.
Counted by HUD, 6.4% of FHA mortgages were seriously behind in August 2026: 90 days or more late, or in foreclosure or bankruptcy. A year earlier it was 4.4%.
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 and trend: FHA mortgage delinquency rate indicator page (The FHA Signal)
Bank-Booked Single-Family Mortgage Delinquency
The delinquency rate on single-family residential mortgages at commercial banks was 1.9% in the second quarter of 2026, up from 1.8% a year earlier, according to the Board of Governors of the Federal Reserve System (series DRSFRMACBS, retrieved via FRED). That's the 15th-lowest of the 66 quarters since 2010.
Comparisons start in 2010 because that year new accounting rules (FAS 166 and 167) brought loans banks had securitized back onto their books, so earlier readings aren't like-for-like. Readings for 2020 and 2021 carry a caveat too: banking agencies said loans with COVID-19 payment deferrals weren't expected to be reported past due because of the deferral. The Fed re-estimates the seasonally adjusted history at almost every release, so past quarters can shift slightly. The divergence between FHA and bank-booked mortgage delinquency is central to the original FHA Signal analysis.
Mortgage delinquency at U.S. commercial banks is higher than a year earlier
Delinquency rate on single-family residential mortgages, all U.S. commercial banks. Quarterly, the first quarter of 1991 to the second quarter of 2026.
Readings before 2010 are on a different accounting basis.
Full data and trend: Mortgage Delinquency indicator page
Serious Delinquency Rate (90+ Days, All Debt on Credit Reports)
The New York Fed's share of household debt balances on credit reports 90 or more days delinquent was 3.31% in the second quarter of 2026, up from 3.04% in Q2 2025. This broader measure covers mortgage, home equity, auto loan, credit card, student loan and other consumer balances together; it isn't a mortgage measure. Student-loan reporting changed several times since 2020, so the New York Fed series is compared only from 2025 on.
The bank-booked mortgage series and the New York Fed all-debt series cover different products and borrower populations. Their difference is worth monitoring, but it doesn't establish a fixed sequence through credit cards, auto loans, and mortgages. The bank-booked single-family mortgage rate at 1.9% describes current mortgage performance, not what other debt series will do next.
Serious delinquency on U.S. household debt is higher than a year earlier
Share of all U.S. household debt on credit reports 90 or more days delinquent. Quarterly, the first quarter of 2003 to the second quarter of 2026.
Full data and trend: Serious Delinquency Rate indicator page
What Does FHA Delinquency Mean for Homeowners?
FHA and bank-booked single-family mortgage rates describe different loans. FHA loans allow smaller down payments, but the aggregate series don't identify the same households or establish a fixed lead from one mortgage segment to another.
If you're behind on mortgage payments, see the options that exist before foreclosure.
What the Data Can and Cannot Say
Savings, debt service, hardship withdrawals, and delinquency describe different parts of household financial stress. Depleted buffers are a plausible mechanism for missed payments, but our research so far does not show a fixed lag between them or one order that holds across credit products.
The American Distress Index tracks those measures together without claiming that one fixes the timing of another.
Read our research methodology →Mortgage Servicer Complaint Data
Complaints about mortgage servicers are a separate record from delinquency. We keep a profile for each large servicer in the Consumer Financial Protection Bureau's complaint database, such as Wells Fargo, Shellpoint / NewRez and LoanCare. You can browse the servicer profiles or search the complaints by servicer, state or issue.
Data Sources and Methodology
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 at least 30 days past due at month end, including loans in foreclosure or bankruptcy. It is not seasonally adjusted, so a month is compared with the same month a year earlier. The Mortgage Bankers Association's quarterly survey publishes a separate FHA rate that is seasonally adjusted and leaves out loans in foreclosure, so the two figures differ.
Federal Reserve Board data retrieved via FRED
The Federal Reserve DRSFRMACBS mortgage delinquency rate measures single-family residential mortgages at insured U.S.-chartered commercial banks thirty days or more past due, plus mortgages in nonaccrual status, as a percentage of all such mortgages outstanding, seasonally adjusted. It is not a 90-day measure. Quarterly, from bank Call Reports.
Federal Reserve Bank of New York Household Debt and Credit Report
The serious delinquency rate measures household debt balances on credit reports (mortgage, home equity, auto, credit card, student and other consumer loans) that are 90+ days past due as a share of all such balances. Based on a random sample of Equifax credit reports drawn from the New York Fed's 5% Consumer Credit Panel: 0.1% for most loan types, 1% for student loans. The New York Fed doesn't describe a seasonal adjustment, so changes compare the same quarter a year earlier.
We write with assistance from AI tools. Figures come from the data and sources named on this page.