The foreclosure rate in the United States has experienced significant fluctuations over the past two decades, reaching its peak in 2010 at 2.23 percent following the financial crisis. Since then, the rate has steadily declined, with a notable drop to 0.11 percent in 2021 due to government interventions during the COVID-19 pandemic. In 2024, the rate stood slightly higher at 0.23 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 4.6 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, 52 percent of non-homeowners reported that student loan expenses hindered their ability to save for a down payment.

Graph and download economic data for Large Bank Consumer Mortgage Balances: 90 or More Days Past Due: Including Foreclosures Rates: Balances Based (RCMFLBBALDPDPCT90P) from Q3 2012 to Q4 2024 about 90 days +, FR Y-14M, large, balance, mortgage, consumer, banks, depository institutions, rate, and USA.

In the second quarter of 2024, the share of mortgage loans in the foreclosure process in the U.S. decreased slightly to 0.43 percent. Following the outbreak of the coronavirus crisis, mortgage delinquency rates spiked to the highest levels since the Subprime mortgage crisis (2007-2010). To prevent further impact on homeowners, Congress passed the CARES Act that provides foreclosure protections for borrowers with federally backed mortgage loans. As a result, the foreclosure rate fell to historically low levels.

The number of properties with foreclosure filings in the United States declined in 2024, but remained below the pre-pandemic level. Foreclosure filings were reported on approximately 322,100 properties, which was about 34,900 fewer than in 2023. Despite the decrease, 2024 saw one of the lowest foreclosure rates on record.

Graph and download economic data for Large Bank Consumer Mortgage Balances: 90 or More Days Past Due: Including Foreclosures Rates: Accounts Based (RCMFLBACTDPDPCT90P) from Q3 2012 to Q4 2024 about 90 days +, accounts, FR Y-14M, large, balance, mortgage, consumer, banks, depository institutions, rate, and USA.

In the second quarter of 2024, the share one-to-four family residential mortgage loans entering the foreclosure process in the U.S. was 0.13 percent. Following the coronavirus pandemic outbreak in 2020, mortgage delinquency rates surged, followed by a gradual decline. Between the second quarter of 2020 and the first quarter of 2022, foreclosures remained at record low levels due to The Coronavirus Aid, Relief, and Economic Security Act (CARES Act).

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 first 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.

Percent of housing loans at risk of foreclosure for the last two years before 2008.Source: HUD Office of Policy Development and Research, 2008.

These data are part of NACJD's Fast Track Release and are distributed as they were received from the data depositor. The files have been zipped by NACJD for release, but not checked or processed except for the removal of direct identifiers. Users should refer to the accompanying readme file for a brief description of the files available with this collection and consult the investigator(s) if further information is needed. The study integrated neighborhood-level data on robbery and burglary gathered from local police agencies across the United States, foreclosure data from RealtyTrac (a real estate information company), and a wide variety of social, economic, and demographic control variables from multiple sources. Using census tracts to approximate neighborhoods, the study regressed 2009 neighborhood robbery and burglary rates on foreclosure rates measured for 2007-2008 (a period during which foreclosure spiked dramatically in the nation), while accounting for 2007 robbery and burglary rates and other control variables that captured differences in social, economic, and demographic context across American neighborhoods and cities for this period. The analysis was based on more than 7,200 census tracts in over 60 large cities spread across 29 states. Core research questions were addressed with a series of multivariate multilevel and single-level regression models that accounted for the skewed nature of neighborhood crime patterns and the well-documented spatial dependence of crime. The study contains one data file with 8,198 cases and 99 variables.

Graph and download economic data for Nonfarm Real Estate Foreclosures for United States (M09075USM476NNBR) from Jan 1934 to Mar 1963 about real estate, nonfarm, and USA.

United States - Delinquency Rate on Loans Secured by Real Estate, Banks Ranked 1st to 100th Largest in Size by Assets was 1.94% in January of 2025, according to the United States Federal Reserve. Historically, United States - Delinquency Rate on Loans Secured by Real Estate, Banks Ranked 1st to 100th Largest in Size by Assets reached a record high of 11.49 in January of 2010 and a record low of 1.31 in October of 2004. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Delinquency Rate on Loans Secured by Real Estate, Banks Ranked 1st to 100th Largest in Size by Assets - last updated from the United States Federal Reserve on May of 2025.

About three percent of U.S. homeowners with a mortgage who were behind on mortgage payments in October 2023 were very likely to face eviction in the next two months due to a foreclosure. Additionally, 18 percent of the respondents were somewhat likely to be evicted. In 2022, the foreclosure rate in the U.S. picked up, after a long period of steady decline after the subprime mortgage crisis.

This hosted feature layer has been published in RI State Plane Feet NAD 83.The RI Neighborhood Stabilization Program (NSP) Mapping analysis was performed to assist the Office of Housing and Community Development in identifying target areas with both a Foreclosure Rate (Block Group Level) >=6.5% and a Subprime Loan percentage rate >= 1.4% (Zip Code Level). Based on these criteria the following communities were identified as containing such target areas: Central Falls, Cranston, Cumberland, East Providence, Johnston, North Providence, Pawtucket, Providence, Warwick, West Warwick, and Woonsocket. Federal funding, under the Housing and Economic Recovery Act of 2008 (HERA), Neighborhood Stabilization Program (NSP), totaling $19.6 will be expended in these NSP Target Areas to assist in the rehabilitation and redevelopment of abandoned and foreclosed homes, stabilizing communities.The State of Rhode Island distributes funds allocated, giving priority emphasis and consideration to those areas with the greatest need, including those areas with - 1) Highest percentage of home foreclosures; 2) Highest percentage of homes financed by subprime mortgage loans; and 3) Anticipated increases in rate of foreclosure. The RI Office of Housing and Community Development, with the assistance of Rhode Island Housing, utilized the following sources to meet the above requirements. 1) U.S. Department of Housing & Urban Development (HUD) developed foreclosure data to assist grantees in identification of Target Areas. The State utilized HUD's predictive foreclosure rates to identify those areas which are likely to face a significant rise in the rate of home foreclosures. HUD's methodology factored in Home Mortgage Disclosure Act, income, unemployment, and other information in its calculation. The results were analyzed and revealed a high level of consistency with other needs data available. 2) The State obtained subprime mortgage loan information from the Federal Reserve Bank of Boston. Though the data does not include all mortgages, and was only available at the zip code level rather than Census Tract, findings were generally consistent with other need categories. This data was joined to the Foreclosure dataset in order to select areas with both a Foreclosure Rate >=6.5% and a Subprime Loan Rate >=1.4%. 3) The State also obtained, from the Warren Group, actual local foreclosure transaction records. The Warren Group is a source for real estate and banking news and transaction data throughout New England. This entity has analyzed local deed records in assembling information presented. The data set was normalized due to potential limitations. An analysis revealed a high level of consistency with HUD-predictive foreclosure rates.

Monthly foreclosures in Connecticut by county, 2008 through the present. Data updated monthly by the Connecticut Housing Finance Authority and tracked in the following dashboard: https://www.chfa.org/about-us/ct-monthly-housing-market-dashboard/.

CHFA has stopped maintaining the dashboard and associated datasets, and this dataset will no longer be updated as of 2022.

Annual residential mortgage arrears and foreclosure rates in Canada and the U.S. from 1990 to 2013. This table is archived for reference, research and record-keeping purposes only. It is not subject to Government of Canada Web Standards and has not been altered or updated since it was archived.

Table of INEBase Dwellings with begun foreclosure according to householder by province. Annual. Provinces. Foreclosure Statistics

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Graph and download economic data for Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, Banks Ranked 1st to 100th Largest in Size by Assets (DRSFRMT100N) from Q1 1991 to Q1 2025 about domestic offices, delinquencies, 1-unit structures, mortgage, family, residential, domestic, assets, banks, depository institutions, rate, and USA.

Analysis of ‘Foreclosures on rustic and urban properties begun and registered in Land Registries by province. EH (API identifier: 10743)’ provided by Analyst-2 (analyst-2.ai), based on source dataset retrieved from http://data.europa.eu/88u/dataset/urn-ine-es-tabla-t3-415-10743 on 07 January 2022.

--- Dataset description provided by original source is as follows ---

Table of INEBase Foreclosures on rustic and urban properties begun and registered in Land Registries by province. Annual. Provinces. Foreclosure Statistics

--- Original source retains full ownership of the source dataset ---

Text source: https://www.huduser.gov/portal/publications/hsgfin/addi.html In recognition of the fact that a lack of savings is the most significant barrier to homeownership for most low-income families1, Congress passed the American Dream Downpayment Act of 2003, which established the American Dream Downpayment Initiative (ADDI). The ADDI program was designed to provide assistance with downpayments, closing costs, and, if necessary, rehabilitation work done in conjunction with a home purchase. This formula-based program disburses assistance through a network of Participating Jurisdictions (PJs) in all 50 states and affords them significant flexibility in designing homebuyer programs to meet the needs of their communities. Established as part of the HOME program,2 ADDI is a prime example of direct federal assistance to promote low-income homeownership. In recent years there have been growing concerns that many new low-income homeowners have had difficulty maintaining homeownership.3 To address these concerns in the context of the ADDI program, the Fiscal Year 2006 U.S. Senate Report on the Transportation, Treasury and HUD Appropriations Bill directed the U.S. Department of Housing and Urban Development (HUD) to report on the foreclosure and delinquency rate of households who received downpayment assistance through ADDI.4 This report has been developed in response to this congressional mandate. Due to the limited program history of ADDI, and since HOME-assisted homebuyers are quite similar to those assisted by the ADDI, this study jointly estimates annual foreclosure and delinquency rates for both HOME- and ADDI-assisted borrowers who purchased homes during the period from 2001 through 2005.5 While all HOME/ADDI-assisted borrowers were included in the analysis, in order to have the results be representative of the ADDI program, the sample of PJs was limited to those that were eligible for an allocation of ADDI funds in 2004, the year in which the largest number of PJs were eligible. The primary objective of the study, which addresses the congressional inquiry, is to provide an estimate of the foreclosure and delinquency rates among HOME/ADDI-assisted homebuyers. HUD was also interested in an analysis of the reasons behind these outcomes. Thus, a secondary objective of this study is to analyze the factors associated with variations in delinquency and default rates. 1 See, for example, U. S. Department of Housing and Urban Development, Barriers to Minority Homeownership, July 17, 2002, and Herbert et al., Homeownership Gaps Among Low-Income and Minority Borrowers and Neighborhoods, U.S. Department of Housing and Urban Development, March 2005. 2 Created under Title II of the National Affordable Housing Act of 1990, the HOME program is designed to provide affordable housing to low-income households, expand the capacity of nonprofit housing providers, and strengthen the ability of state and local governments to develop and implement affordable housing strate-gies tailored to local needs and priorities. 3 See, for example, Dean Baker, "Who's Dreaming?: Homeownership Among Low-Income Families," Center for Eco-nomic and Policy Research, Washington, DC, January 2005. 4 Throughout our discussion the terms "default" and "foreclosure" are used to refer to the same outcome where homeowners lose their home in foreclosure. 5 Foreclosure and delinquency rates for 2000 are not included here as the data was not consistent enough to produce valid estimations. This report is based in part on surveys of participating jurisdictions.