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Mortgage Delinquency Statistics

Darryl Linnington

Published On: December 14, 2018

Mortgage Delinquency Statistics

Last Updated December 14, 2018 8:01 PM Central

Total Delinquency 30-Day

2018

2017

2016

2015

2014

2013

2012

2011

2010

2009

2008

2007

2006

2005

2004

2003

2002

2001

2000

1999

1998

1997

1996

1995

1994

1993

1992

1991

1990

1989

1988

1987

1986

30-day Delinquency Excluding Foreclosures as of Dec. 31 (Black Knight formerly LPS)

3.64% as of Oct 31

4.71%

4.42%

4.78%

5.64%

6.47%

7.17%

8.15%

8.83%

10.76%

na

30+ Seasonally-Adjusted Delinquency Excluding foreclosures as of Dec. 31 (MBA)

5.41% as of Q2

5.17%

4.80%

4.77%

5.68%

6.39%

7.09%

7.58%

8.25%

9.47%

7.88%

5.82%

4.95%

4.70%

4.38%

4.49%

4.90%

4.67%

4.52%

na

30-day Delinquency Including Foreclosures as of Dec. 31 (CoreLogic)

4.4% as of Sep

5.3%

5.4%

6.1%

7.2%

8.5%

10.1%

11.3%

11.8%

12.0%

8.9%

6.2%

5.1%

5.0%

4.8%

5.1%

5.8%

5.6%

5.3%

na

30+ 1st Mortgage Delinquency (Equifax)

na

4.54% as of Nov 30

5.87% as of Nov 30

8.26% as of May 31

na

7.91% Nov. 30

5.83% Nov. 30

na

Total Delinquency 60-Day

2018

2017

2016

2015

2014

2013

2012

2011

2010

2009

2008

2007

2006

2005

2004

2003

2002

2001

2000

1999

1998

1997

1996

1995

1994

1993

1992

1991

1990

1989

1988

1987

1986

60-day Delinquency Seasonally Adjusted as of Q4 (MBA)

0.77% as of Q3

0.92%

0.82%

0.81%

0.94%

1.06%

1.16%

1.25%

1.35%

1.54%

1.60%

1.15%

0.90%

0.83%

0.75%

0.77%

0.82%

0.79%

0.72%

na

60-day Delinquency as of Q4 (TransUnion)

1.62%

1.86%

2.28%

2.46%

3.40%

4.31%

5.08%

6.01%

6.41%

6.89%

4.58%

2.99%

na

60-day rate including REOs (LPS)

na

13.5% as of Jan. 31

13.3%

na

60-Day Delinquency as of Dec. 31 (HOPE NOW)

na

4%

na

7.11% Nov. 30

5.23%

3.17%

na

Total Delinquency 90-Day

2018

2017

2016

2015

2014

2013

2012

2011

2010

2009

2008

2007

2006

2005

2004

2003

2002

2001

2000

1999

1998

1997

1996

1995

1994

1993

1992

1991

1990

1989

1988

1987

1986

90-day Delinquency Seasonally Adjusted as of Dec. 31 (MBA)

1.18% as of Q3

1.65%

1.54%

1.61%

2.16%

2.45%

2.89%

3.11%

3.65%

4.62%

2.75%

1.48%

0.96%

1.02%

0.86%

0.83%

0.88%

0.73%

0.62%

na

90-day rate including F/Cs (Black Knight – LPS)

1.51% as of Sep 30

1.42%

1.34%

1.37%

3.83%

5.03%

6.54%

7.69%

8.15%

9.29%

na

90-day Delinquency Including Foreclosures (CoreLogic)

1.5% as of Sep

2.1%

2.6%

3.2%

4.1%

5.0%

6.4%

7.30%

7.80%

na

1.6% as of Jun 30

1.4% as of Jul 31

na

90-day 1st Mortgage Delinquency (Equifax)

na

1.05% as of Oct 31

1.40% as of Jun 30

1.77%

3.27% as of Mar 31

3.90% as of Aug 31

5.78% as of Nov 30

6.58%

7.36%

na

1st Mortgage 90-day delinquency (S&P and Experian)

0.63% as of Oct 31

0.68%

0.71%

0.84%

1.02%

1.27%

1.68%

2.19%

2.93%

4.76%

4.42%

2.49%

1.40%

1.13%

1.05%

na

90-day delinquency as of Dec 31 (Federal Reserve Bank of New York)

1.2 through Jul 31

1.3%

1.6%

2.2%

3.1%

3.9%

na

GSE Single-Family 90-Day Delinquency

2018

2017

2016

2015

2014

2013

2012

2011

2010

2009

2008

2007

2006

2005

2004

2003

2002

2001

2000

1999

1998

1997

1996

1995

1994

1993

1992

1991

1990

1989

1988

1987

1986

Fannie Mae (as of Dec. 31)

0.82% as of Aug 31

1.24%

1.20%

1.55%

1.89%

2.38%

3.29%

3.91%

4.48%

5.38%

2.42%

0.98%

0.65%

0.79%

0.63%

0.60%

0.47%

na

Freddie Mac (as of Dec. 31)

0.71% as of Oct 31

1.08%

1.00%

1.32%

1.88%

2.39%

3.25%

3.58%

3.84%

3.87%

1.72%

0.65%

0.53%

0.69%

0.73%

0.86%

0.81%

0.65%

na

Financial Institution Delinquency

2018

2017

2016

2015

2014

2013

2012

2011

2010

2009

2008

2007

2006

2005

2004

2003

2002

2001

2000

1999

1998

1997

1996

1995

1994

1993

1992

1991

1990

1989

1988

1987

1986

1st Lien 30+ Delinquency Including Bankruptcies & Foreclosures at Reporting Banks on Dec. 31 (OCC)

4.4% as of Q2

4.5%

5.3%

5.9%

6.8%

8.2%

10.6%

na

1st Lien 30+ Delinquency Excluding Bankruptcies & Foreclosures at Reporting Banks on Dec. 31 (OCC)

4.0% as of Q2

0.5%

4.6%

4.9%

5.5%

6.1%

7.0% as of March 31

8.0%

8.4%

10.50%

8.10%

6.18%

na

30+ Delinquency Including Nonaccrual as of Dec. 31 (FDIC)

na

11.77%

12.28%

10.10%

6.91%

3.62%

2.09%

1.77%

1.41%

1.89%

2.07%

2.20%

2.13%

1.91%

2.05%

2.30%

2.46%

2.28%

2.74%

3.35%

3.76%

1.60%

na

0.64%

0.58%

0.73%

90-day Delinquency as of Dec. 31 (FDIC)

na

1.39%

na

Financial Institution Delinquency

2018

2017

2016

2015

2014

2013

2012

2011

2010

2009

2008

2007

2006

2005

2004

2003

2002

2001

2000

1999

1998

1997

1996

1995

1994

1993

1992

1991

1990

1989

1988

1987

1986

30- to 59-day Delinquency as of Dec. 31 (OTS)

na

2.80% March 31

2.85% Sep. 30

1.32%

0.75%

na

90-day Delinquency as of Dec. 31 (OTS)

na

1.70% (Sep. 30)

1.46%

na

60-day Delinquency on fixed-rate and 5-yr hybrid 1st mortgages (NCUA)

na

1.46% as of June 30

1.38%

na

60-day Delinquency on ARM hybrids <5yr 1st mortgages (NCUA)

na

3.14% as of June 30

3.16%

na

Government Delinquency

2018

2017

2016

2015

2014

2013

2012

2011

2010

2009

2008

2007

2006

2005

2004

2003

2002

2001

2000

1999

1998

1997

1996

1995

1994

1993

1992

1991

1990

1989

1988

1987

1986

FHA 30-day Delinquency, including bankruptcies and foreclsoures, as of Dec. 31 (HUD)

10.29% as of Aug 31

12.72%

11.73%

12.17%

13.47%

14.87%

16.71%

na

FHA 90-day Delinquency as of Dec. 31 (HUD)

4.11% as of Aug 31

5.19%

4.99%

5.79%

7.00%

8.02%

9.48%

9.6%

8.8%

9.5%

6.8%

na

FHA 30-day Delinquency Excluding Foreclosures as of Q4 (MBA)

na

9.02%

9.04%

9.73%

10.47%

11.17%

12.36%

12.27%

na

Government 30-day Delinquency Including Foreclosures (OCC)

na

11.4% as of Sep 30

12.0%

13.9%

na

Other Delinquency

2018

2017

2016

2015

2014

2013

2012

2011

2010

2009

2008

2007

2006

2005

2004

2003

2002

2001

2000

1999

1998

1997

1996

1995

1994

1993

1992

1991

1990

1989

1988

1987

1986

2nd Mortgage 90-day Delinquency (S&P and Experian)

na

1.22%

0.41%

0.67%

0.59%

0.76%

0.69%

1.33%

1.74%

3.54%

4.18%

3.55%

2.05%

1.12%

0.76%

na

HELOC 90-day Delinquency as of Dec. 31 (Fed)

na

2.2% as of Mar 31

2.2%

3.2%

na

HELOC 30-day Delinquency as of Dec. 31 (FDIC)

na

2.98%

3.05%

3.15%

na

HEL Closed-end 30-day Delinquency (ABA)

2.43% as of Q2

2.28%

2.61%

2.68%

3.23%

3.48%

4.03%

4.08%

4.05%

4.32%

3.03%

2.39%

1.92%

2.07%

2.82%
(Sept. 30)

2.50%

na

HELOC 30-day Delinquency as of Dec. 31 (ABA)

1.15% as of Q2

1.16%

1.06%

1.18%

1.48%

1.67%

1.85%

1.69%

1.73%

2.04%

1.46%

0.96%

0.57%

0.51%

0.38% (Sept. 30)

0.43%

na

HEL 30+ Delinquency (Equifax)

na

2.45% as of Nov 30

3.22% as of Nov 30

na

HELOC 30+ Delinquency (Equifax)

na

2.37% as of Nov 30

2.70% as of Nov 30

3.43% as of May 31

na

3.43% Nov. 30

2.95% Nov. 30

na

Year

2018

2017

2016

2015

2014

2013

2012

2011

2010

2009

2008

2007

2006

2005

2004

2003

2002

2001

2000

1999

1998

1997

1996

1995

1994

1993

1992

1991

1990

1989

1988

1987

1986

30-Year Fixed

Today's rates starting at

6.09%

▼ -0.02%

30 YEAR FIXED

15-Year Fixed

Today's rates starting at

5.44%

▼ -0.06%

15 YEAR FIXED

5/1 ARM

Today's rates starting at

5.89%

▲

5/1 ARM

Home Equity

Today's rates starting at

6.84%

▼ -0.02%

HOME EQUITY

HELOC

Today's rates starting at

7.25%

▼ -0.08%

HELOC

Updated: Feb 12, 2026 · Source: Freddie Mac / FRED

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