Following the drastic increase directly after the COVID-19 pandemic, the delinquency rate started to gradually decline, falling below *** percent in the second quarter of 2023. In the second half of 2023, the delinquency rate picked up but remained stable throughout 2024. In the second quarter of 2025, **** percent of mortgage loans were delinquent. That was significantly lower than the **** percent during the onset of the COVID-19 pandemic in 2020 or the peak of *** percent during the subprime mortgage crisis of 2007-2010. What does the mortgage delinquency rate tell us? The mortgage delinquency rate is the share of the total number of mortgaged home loans in the U.S. where payment is overdue by 30 days or more. Many borrowers eventually manage to service their loan, though, as indicated by the markedly lower foreclosure rates. Total home mortgage debt in the U.S. stood at almost ** trillion U.S. dollars in 2024. Not all mortgage loans are made equal ‘Subprime’ loans, being targeted at high-risk borrowers and generally coupled with higher interest rates to compensate for the risk. These loans have far higher delinquency rates than conventional loans. Defaulting on such loans was one of the triggers for the 2007-2010 financial crisis, with subprime delinquency rates reaching almost ** percent around this time. These higher delinquency rates translate into higher foreclosure rates, which peaked at just under ** percent of all subprime mortgages in 2011.

Delinquency rates for credit cards picked up in 2025 in the United States, leading to the highest rates observed since 2008. This is according to a collection of one of the United States' federal banks across all commercial banks. The high delinquency rates were joined by the highest U.S. credit card charge-off rates since the Financial Crisis of 2008. Delinquency rates, or the share of credit card loans overdue a payment for more than ** days, can sometimes lead into charge-off, or a writing off the loan, after about six to 12 months. These figures on the share of credit card balances that are overdue developed significantly between 2021 and 2025: Delinquencies were at their lowest point in 2021 but increased to one of their highest points by 2025. This is reflected in the growing credit card debt in the United States, which reached an all-time high in 2023. As of Q2 2025, the delinquency rate stands at 3.05%.

United States - Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets was 1.37% in October of 2024, according to the United States Federal Reserve. Historically, United States - Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets reached a record high of 4.56 in October of 2009 and a record low of 0.98 in April of 2023. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets - last updated from the United States Federal Reserve on November of 2025.

In the second quarter of 2025, roughly **** percent of all consumer loans at commercial banks in the United States were delinquent. The delinquency rate on this type of credit has been rising again since 2021. Loans are delinquent when the borrower does not pay their obligations on time. One of the reasons for the delinquency rate decreasing during the first years of the COVID-19 pandemic was that the personal saving rate in the U.S. soared during that period. What is the trend in consumer credit levels in the United States? Consumer credit refers to the various types of loans and credit extended to individuals for personal use, often to fund everyday purchases or larger expenses. When credit levels rise, it often signals that consumers are more confident in their ability to manage debt and make future payments. After a period of strong growth between 2021 and early 2023, consumer credit in the United States has been growing at a slower pace. By early 2024, consumer credit levels reached over **** trillion U.S. dollars. What is the main channel for acquiring consumer credit? In 2024, the leading type of consumer credit among consumers in the U.S. was credit card bills. Credit card usage in the North American country was substantial and credit card penetration was expected to reach over **** percent by 2029. Car loans ranked next as a common source of consumer credit, while other types of debt, such as medical bills, home equity lines of credit, and personal educational loans, had lower percentages.

The foreclosure rate in the United States has experienced significant fluctuations over the past two decades, reaching its peak in 2010 at **** percent following the financial crisis. Since then, the rate has steadily declined, with a notable drop to **** percent in 2021 due to government interventions during the COVID-19 pandemic. In 2024, the rate stood slightly higher at **** percent but remained well below historical averages, indicating a relatively stable housing market. Impact of economic conditions on foreclosures The foreclosure rate is closely tied to broader economic trends and housing market conditions. During the aftermath of the 2008 financial crisis, the share of non-performing mortgage loans climbed significantly, with loans 90 to 180 days past due reaching *** percent. Since then, the share of seriously delinquent loans has dropped notably, demonstrating a substantial improvement in mortgage performance. Among other things, the improved mortgage performance has to do with changes in the mortgage approval process. Homebuyers are subject to much stricter lending standards, such as higher credit score requirements. These changes ensure that borrowers can meet their payment obligations and are at a lower risk of defaulting and losing their home. Challenges for potential homebuyers Despite the low foreclosure rates, potential homebuyers face significant challenges in the current market. Homebuyer sentiment worsened substantially in 2021 and remained low across all age groups through 2024, with the 45 to 64 age group expressing the most negative outlook. Factors contributing to this sentiment include high housing costs and various financial obligations. For instance, in 2023, ** percent of non-homeowners reported that student loan expenses hindered their ability to save for a down payment.

Key information about Malaysia Non Performing Loans Ratio

• Malaysia Non Performing Loans Ratio stood at 1.4 % in Oct 2025, compared with the ratio of 1.4 % in the previous month
• Malaysia Non Performing Loans Ratio data is updated monthly, available from Dec 2005 to Oct 2025
• The data reached an all-time high of 9.5 % in Feb 2006 and a record low of 1.4 % in Sep 2020

• In the latest reports, Money Supply M2 in Malaysia increased 4.5 % YoY in Oct 2025
• Malaysia Foreign Exchange Reserves was measured at 111.7 USD bn in Oct 2025
• The Foreign Exchange Reserves equaled 5.8 Months of Import in Oct 2025
• The country's Domestic Credit reached 699.0 USD bn in Oct 2025, representing an increased of 5.3 % YoY
• Household Debt of Malaysia reached 363.6 USD bn in Dec 2024, accounting for 84.1 % of the country's Nominal GDP

Most of the new vehicles in the United States in 2025 were acquired using some kind of financing, such as loans or leases. Meanwhile, only slightly over a ***** of used cars were purchased using some financing option. Over ** percent of new cars had financing, a figure that has remained relatively stable in the past three years. In 2025, the share of used cars acquired with financing was somewhat lower than in 2022. The interest rates for automobile loans in the United States have significantly risen since early 2022, which has increased the burden on borrowers. How common is delinquency in the context of auto financing? The delinquency rate refers to the proportion of loans within a portfolio or market segment that are past due or in default. In 2024, the share of 90+ delinquent auto loans in the United States stood at nearly **** percent. However, the share of auto loan borrowers who had loan payments that were overdue by at least 90 days had risen significantly by 2024. Which age group exhibits more auto loan delinquency? There are several factors that can influence the likelihood of a certain group having higher delinquency rates, such as financial literacy, income disparities, credit histories, and age. When looking at the delinquency rate by age group in the U.S. in 2023, it could be observed that people aged 18 to 29 had the highest share of car loans that eventually led to serious delinquency. In contrast, people that were over 50 years old had a much lower serious average delinquency rate at less than *** percent that year.

After falling several years in a row, the non-performing loans (NPL) ratio in the euro area and other EU countries under the single supervisory mechanism increased slightly in 2023 and 2024. In the wake of the financial crisis, non-performing loans became a major concern for policymakers, financial supervisors as well as market participants across the European Union. Non-performing loans are those that are in default, or are close to being in default. Many standard contract terms specify that loans become non-performing after being in default for 90 days, but this can vary. In late 2024, Poland was one of the countries with the highest NPL ratio in Europe.