Graph and download economic data for Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks (DRSFRMACBS) from Q1 1991 to Q2 2025 about domestic offices, delinquencies, 1-unit structures, mortgage, family, residential, commercial, domestic, banks, depository institutions, rate, and USA.

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.

Federal Housing Administration (FHA) loans had the highest delinquency rate in the United States in 2025. As of the second quarter of the year, ***** percent of the outstanding one-to-four family housing mortgage loans were ** days or more delinquent. This percentage was lower for conventional loans and Veterans Administration loans. Despite a slight increase, the delinquency rate for all mortgages was one of the lowest on record.

Mortgage delinquency rates increased in most states in 2024. That year, the percentage of total mortgage debt that was more than ** days delinquent was the highest in Louisiana, at **** percent. Conversely, Wisconsin and Montana had the lowest delinquency rates, at under **** percent. The overall mortgage delinquency rate in the United States declined since spiking at the beginning of the pandemic, as the U.S. job market rebounded over the course of 2020 and 2021.

United States - Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks was 1.82% 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, All Commercial Banks reached a record high of 11.36 in January of 2010 and a record low of 1.40 in January of 2005. 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, All Commercial Banks - last updated from the United States Federal Reserve on October of 2025.

The delinquency rate on real estate loans at commercial banks in the United States rose slightly between the fourth quarter of 2022 and the fourth quarter of 2024. Nevertheless, delinquencies remained below the 2020 levels, when the share of loans past due 30 days rose due to the COVID-19 pandemic. Recently, the gap between residential and commercial real estate loans has narrowed, with the delinquency rate for commercial real estate rising faster than for residential.

The mortgage delinquency rate for Federal Housing Administration (FHA) loans in the United States has declined since 2020, when it peaked at ***** percent. In the second quarter of 2025, ***** percent of FHA loans were delinquent. Historically, FHA mortgages have the highest delinquency rate of all mortgage types.

The mortgage delinquency rate for Veterans Administration (VA) loans in the United States has decreased since 2020. Under the effects of the coronavirus pandemic, the mortgage delinquency rate for VA loans spiked from **** percent in the first quarter of 2020 to **** percent in the second quarter of the year. In the second quarter of 2024, the delinquency rate amounted to **** percent. Historically, VA mortgages have significantly lower delinquency rate than conventional mortgages.

Graph and download economic data for Delinquency Rate on Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, Banks Ranked 1st to 100th Largest in Size by Assets (DRCRELEXFT100S) from Q1 1991 to Q2 2025 about farmland, domestic offices, delinquencies, real estate, commercial, domestic, loans, assets, banks, depository institutions, rate, and USA.

In 2023, the delinquency rates of all types of mortgage lenders in Canada increased. As of the fourth quarter of the year, approximately 1.05 percent of loans in the loan portfolios of mortgage investment entities (MIEs) were classified as delinquent, which was a decrease from the 0.78 percent delinquency rate a year ago. A loan is reported by lenders as being delinquent after 270 days of late payments.

View quarterly updates and historical trends for US Mortgages Delinquent by 90 or More Days. from United States. Source: Federal Reserve Bank of New York.…

Since the start of the coronavirus (COVID-19) crisis, many businesses have had to close their doors or have struggled to pay rent. As a result, commercial property landlords suffered loss of income, leading to failure to repay mortgage loans. In 2020, the default rate of commercial real estate mortgages rose to *** percent, which is the highest value observed since the global financial crisis.

This table contains data described by the following dimensions (Not all combinations are available): Geography (1 items: Canada ...).

The share of mortgages in arrears in Canada reached an all-time low in 2022, followed by an increase until 2025. As of **********, the rate of mortgage arrears was **** percent, up from **** percent in September 2022.

United States - Delinquency Rate on All Loans, All Commercial Banks was 1.52% in April of 2025, according to the United States Federal Reserve. Historically, United States - Delinquency Rate on All Loans, All Commercial Banks reached a record high of 7.40 in January of 2010 and a record low of 1.19 in October of 2022. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Delinquency Rate on All Loans, All Commercial Banks - last updated from the United States Federal Reserve on October of 2025.

Delinquency Prevention Platforms for Mortgage Market Outlook

According to our latest research, the global market size for Delinquency Prevention Platforms for Mortgage reached USD 3.62 billion in 2024, reflecting strong demand for advanced risk management solutions across the mortgage sector. The market is projected to expand at a robust CAGR of 11.2% from 2025 to 2033, with the total market size expected to reach USD 9.29 billion by 2033. This growth is primarily driven by the increasing digital transformation initiatives in financial institutions and the urgent need for proactive measures to mitigate mortgage delinquency risks as economic volatility continues to impact borrower repayment behaviors.

One of the primary growth factors for the Delinquency Prevention Platforms for Mortgage market is the rapid adoption of digital technologies by financial institutions aiming to streamline loan servicing and enhance operational efficiencies. The integration of artificial intelligence, machine learning, and big data analytics into these platforms allows lenders to identify early warning signs of potential delinquencies, assess borrower risk profiles more accurately, and automate communication processes. This not only reduces manual intervention and operational costs but also significantly improves the ability of lenders to proactively engage with at-risk borrowers, thereby reducing overall default rates. As the mortgage landscape becomes increasingly competitive, organizations are investing heavily in sophisticated software and services that offer predictive insights and robust risk assessment capabilities.

Another significant driver is the evolving regulatory landscape, which is compelling mortgage lenders and servicers to adopt comprehensive compliance frameworks. Governments and regulatory bodies across regions are mandating stricter oversight and reporting requirements to ensure financial stability and consumer protection. Delinquency prevention platforms are being tailored to help institutions meet these stringent standards by providing real-time monitoring, automated compliance checks, and detailed audit trails. This not only aids in minimizing legal and reputational risks but also enhances lender credibility and customer trust. The growing emphasis on regulatory compliance is expected to further fuel the demand for advanced delinquency management solutions over the forecast period.

The market is also benefitting from a heightened focus on customer experience and retention. As mortgage borrowers increasingly expect personalized and timely communication from their lenders, delinquency prevention platforms are evolving to include advanced customer engagement modules. These modules leverage data analytics to tailor outreach strategies, offer customized repayment plans, and provide educational resources to borrowers facing financial hardships. By proactively addressing borrower needs and concerns, lenders can foster long-term relationships, minimize the risk of default, and enhance brand loyalty. This customer-centric approach is becoming a critical differentiator in the mortgage industry, further accelerating the adoption of comprehensive delinquency prevention solutions.

From a regional perspective, North America continues to dominate the Delinquency Prevention Platforms for Mortgage market, accounting for the largest share in 2024, driven by the early adoption of advanced technologies and a highly regulated financial services environment. However, Asia Pacific is emerging as the fastest-growing region, propelled by rapid urbanization, rising homeownership rates, and increasing investments in digital infrastructure. European markets are also witnessing steady growth, supported by robust regulatory frameworks and a strong focus on risk management. Latin America and the Middle East & Africa are gradually catching up, with financial institutions in these regions recognizing the value of proactive delinquency management in enhancing portfolio performance and mitigating credit risks.

Component Analysis

The Delinquency Prevention Platforms for Mortgage market is segmented by component into Software and Services, each playing a pivotal role in the overall ecosystem. The software segment encompasses core platforms equipped with analytics engines, risk assessment tools, early warning systems, and automated communication modules. Thes

The residential mortgage servicing market is experiencing robust growth, driven by factors such as increasing homeownership rates, fluctuating interest rates influencing refinancing activity, and the ongoing evolution of technological solutions within the sector. The market's compound annual growth rate (CAGR) is estimated to be around 5%, reflecting a steady expansion in the coming years. This growth is fueled by a rising demand for efficient and streamlined mortgage servicing processes, as lenders increasingly seek to optimize their operational efficiency and reduce risk. The market is segmented by various service types (e.g., loan administration, default management, payment processing), with a noticeable shift towards technology-driven solutions that automate tasks and enhance customer experience. Key players in this market are continuously innovating to improve their service offerings, including the implementation of artificial intelligence and machine learning for improved risk assessment and fraud detection. This technological integration helps to address challenges like regulatory compliance, data security, and the management of increasingly complex mortgage portfolios. The competitive landscape is characterized by both large, established players and smaller, specialized firms. Larger firms leverage their scale and technological capabilities to offer comprehensive solutions, while smaller firms specialize in niche services or specific geographic regions. The market's future growth will be shaped by several factors, including macroeconomic conditions, evolving regulatory frameworks, and ongoing technological advancements. For example, the increasing adoption of digital mortgage platforms and the growing prevalence of fintech solutions are expected to transform how mortgage services are delivered and consumed. Continued investment in technology, strategic acquisitions and mergers, and a focus on customer-centric strategies will be critical for success in this dynamic and competitive market.

The Latin American home mortgage finance market, valued at approximately $XX million in 2025, is projected to experience steady growth, exhibiting a Compound Annual Growth Rate (CAGR) of 3.00% from 2025 to 2033. This growth is fueled by several key drivers, including increasing urbanization, rising disposable incomes across various socioeconomic segments, and government initiatives aimed at boosting homeownership rates. Furthermore, the expansion of the formal financial sector and the availability of innovative mortgage products, such as adjustable-rate mortgages catering to diverse financial profiles, contribute to market expansion. However, economic volatility in certain Latin American nations and fluctuating interest rates pose significant challenges. The market is segmented by mortgage type (fixed-rate and adjustable-rate), loan tenure (ranging from under 5 years to over 25 years), and geography, with Brazil, Chile, Colombia, and Peru representing significant market shares. Competition is intense, with major players including Caixa Economica Federal, Banco do Brasil, Itaú, Bradesco, Santander, and others vying for market dominance. The market's future trajectory hinges on managing economic instability, maintaining affordable interest rates, and continuing to improve access to credit for a broader range of borrowers. The segment analysis reveals that fixed-rate mortgages currently dominate the market, though adjustable-rate mortgages are gaining traction due to their flexibility. Longer-tenure mortgages (11-24 years and 25-30 years) are increasingly popular as borrowers seek more manageable monthly payments. Geographically, Brazil holds the largest market share, reflecting its substantial population and relatively developed financial sector. However, Chile, Colombia, and Peru are showing promising growth potential, driven by improving economic conditions and increased government support for housing initiatives. The Rest of Latin America segment offers considerable untapped potential. Continued economic development and infrastructure improvements in these regions will be instrumental in further propelling market growth in the coming years. A focus on financial literacy and responsible lending practices will be essential for sustainable market development and to mitigate potential risks associated with rapid expansion. Recent developments include: In August 2022, Two new mortgage fintech start-ups emerged in Latin America: Toperty launched in Colombia and Saturn5 is about to launch in Mexico. Toperty offers to purchase a customer's new house outright and provides a payment schedule that allows the customer to purchase the house while renting it from the business. Saturn5 wants to give its clients the skills and resources they need to buy a house on their own., In August 2022, During a conference call on August 5, Brazilian lender Banco Bradesco SA startled analysts by reporting an increase in default rates in the second quarter of 2022. The average 90-day nonperforming loan ratio for Bradesco, the second-largest private bank in Latin America, increased by 30 basis points. Delinquency in the overall portfolio increased to 3.5% from 2.5% and 3.2%, respectively, in the first quarter.. Notable trends are: Increase in Economic Growth and GDP per capita.

Graph and download economic data for Delinquency Rate on Credit Card Loans, All Commercial Banks (DRCCLACBS) from Q1 1991 to Q2 2025 about credit cards, delinquencies, commercial, loans, banks, depository institutions, rate, and USA.