The Residential Mortgage Arrears and Repossessions Statistics detail quarterly developments in the number and value of mortgages in arrears, restructured mortgages, in legal proceedings and repossessed properties. Data are broken down by principal residences (PDH) and buy-to let properties. Data are published on a quarterly basis and are subject to revisions

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 Q3 2025 about domestic offices, delinquencies, 1-unit structures, mortgage, family, residential, commercial, domestic, banks, depository institutions, rate, and USA.

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.

The share of people with rent or mortgage payments overdue varied widely across European countries in 2023. In Turkey and Greece, the share of people with late payments exceeded *** percent. In many Eastern European countries, such as Bulgaria and Romania, this share was relatively low, mostly due to the high percentage of homeownership without an outstanding mortgage loan.

Quarterly non-bank outstanding residential mortgages by insurance status, amortization period, total debt service ratio, loan-to-value and, days in arrears, by lender type and number of mortgages, displayed in thousands of dollars, unless otherwise specified.

The graph compares the share of households in Italy with mortgage payment arrears before and after COVID-19 . Before the emergency, the share was only *** percent. However, after the COVID-19 emergency the number of households with arrears in their mortgage payment almost tripled, reaching a share of **** percent.

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.

Ireland IE: CBI: Residential Mortgage Loans: Oustanding Balance: in Arrears data was reported at 12,372,421.000 EUR th in Jun 2018. This records a decrease from the previous number of 13,252,710.000 EUR th for Mar 2018. Ireland IE: CBI: Residential Mortgage Loans: Oustanding Balance: in Arrears data is updated quarterly, averaging 17,070,841.000 EUR th from Sep 2009 (Median) to Jun 2018, with 36 observations. The data reached an all-time high of 25,693,390.000 EUR th in Jun 2013 and a record low of 10,876,131.000 EUR th in Sep 2009. Ireland IE: CBI: Residential Mortgage Loans: Oustanding Balance: in Arrears data remains active status in CEIC and is reported by Central Bank of Ireland. The data is categorized under Global Database’s Ireland – Table IE.KB009: Residential Mortgage Loans in Arrears.

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.

IE: CBI: Residential Mortgage Loans: Payment Overdue: Restructured Mortgages data was reported at 413,962.000 EUR th in Mar 2018. This records an increase from the previous number of 412,852.000 EUR th for Dec 2017. IE: CBI: Residential Mortgage Loans: Payment Overdue: Restructured Mortgages data is updated quarterly, averaging 389,567.000 EUR th from Sep 2009 (Median) to Mar 2018, with 35 observations. The data reached an all-time high of 543,527.000 EUR th in Sep 2014 and a record low of 0.000 EUR th in Sep 2010. IE: CBI: Residential Mortgage Loans: Payment Overdue: Restructured Mortgages data remains active status in CEIC and is reported by Central Bank of Ireland. The data is categorized under Global Database’s Ireland – Table IE.KB009: Residential Mortgage Loans in Arrears.

Data prior to 2014 is available on www.housing.gov.ie 2014 data is provided on the basis of the new local authority areas e.g. Limerick City and Limerick County data are amalgamated in "Limerick City and County". This is similar for Tipperary and Waterford City and County. Waterford City & County data is as Q1 2014 due to non-submission of data for the period in question. Data for 2015 contains extra information the number and value of loans in arrears over 720 days. This breakdown is not available prior to 2014. The most current data is published on these sheets. Previously published data may be subject to revision. Any change from the originally published data will be highlighted by a comment on the cell in question. These comments will be maintained for at least a year after the date of the value change.

Ireland IE: CBI: Residential Mortgage Loans: Oustanding Balance: in Arrears: Over 90 Days data was reported at 9,508,257.000 EUR th in Jun 2018. This records a decrease from the previous number of 10,030,891.000 EUR th for Mar 2018. Ireland IE: CBI: Residential Mortgage Loans: Oustanding Balance: in Arrears: Over 90 Days data is updated quarterly, averaging 12,270,729.500 EUR th from Sep 2009 (Median) to Jun 2018, with 36 observations. The data reached an all-time high of 18,810,343.000 EUR th in Sep 2013 and a record low of 4,827,669.000 EUR th in Sep 2009. Ireland IE: CBI: Residential Mortgage Loans: Oustanding Balance: in Arrears: Over 90 Days data remains active status in CEIC and is reported by Central Bank of Ireland. The data is categorized under Global Database’s Ireland – Table IE.KB009: Residential Mortgage Loans in Arrears.

The European Union Statistics on Income and Living Conditions (EU-SILC) collects timely and comparable multidimensional microdata on income, poverty, social exclusion and living conditions.

The EU-SILC collection is a key instrument for providing information required by the European Semester (_[1]) and the European Pillar of Social Rights, and the main source of data for microsimulation purposes and flash estimates of income distribution and poverty rates.

AROPE remains crucial to monitor European social policies, especially to monitor the EU 2030 target on poverty and social exclusion. For more information, please consult EU social indicators.

The EU-SILC instrument provides two types of data:

• Cross-sectional data pertaining to a given time or a certain time period with variables on income, poverty, social exclusion and other living conditions.
• Longitudinal data pertaining to individual-level changes over time, observed periodically over four‐or more year rotation scheme (Annex III (2) of 2019/1700).

EU-SILC collects:

• annual variables,
• three-yearly modules,
• six-yearly modules,
• ad-hoc new policy needs modules,
• optional variables.

The variables collected are grouped by topic and detailed topic and transmitted to Eurostat in four main files (D-File, H-File, R-File and P-file).

The domain ‘Income and Living Conditions’ covers the following topics: persons at risk of poverty or social exclusion, income inequality, income distribution and monetary poverty, living conditions, material deprivation, and EU-SILC ad-hoc modules, which are structured into collections of indicators on specific topics.

In 2023, in addition to annual data, in EU-SILC were collected: the three yearly module on labour market and housing, the six yearly module on intergenerational transmission of advantages and disadvantages, housing difficulties, and the ad hoc subject on households energy efficiency.

Starting from 2021 onwards, the EU quality reports use the structure of the Single Integrated Metadata Structure (SIMS).

_{([1]) The European Semester is the European Union’s framework for the coordination and surveillance of economic and social policies.}

Mortgage arrears in the UK have been on the rise since 2022. In the fourth quarter of 2023, there were over ******* mortgage arrears, up from ****** during the same period in 2022. Homeowner mortgages accounted for almost ****** of these arrears, while buy-to-let mortgages in arrears measured about 14,000.

Ireland IE: CBI: Residential Mortgage Loans: Oustanding Balance: in Arrears: Over 180 Days data was reported at 8,687,683.000 EUR th in Jun 2018. This records a decrease from the previous number of 9,177,871.000 EUR th for Mar 2018. Ireland IE: CBI: Residential Mortgage Loans: Oustanding Balance: in Arrears: Over 180 Days data is updated quarterly, averaging 10,789,538.000 EUR th from Sep 2009 (Median) to Jun 2018, with 36 observations. The data reached an all-time high of 15,974,939.000 EUR th in Sep 2013 and a record low of 3,238,395.000 EUR th in Sep 2009. Ireland IE: CBI: Residential Mortgage Loans: Oustanding Balance: in Arrears: Over 180 Days data remains active status in CEIC and is reported by Central Bank of Ireland. The data is categorized under Global Database’s Ireland – Table IE.KB009: Residential Mortgage Loans in Arrears.

This statistic the mortgage arrears rate in British Columbia from 2009 until 2020. The mortgage arrears rate in British Columbia fell from **** percent in 2011 to **** percent in 2020. British Colombia had one of the lowest arrear rates across the different provinces in Canada.

In 2018, there were approximately ****** people with an arrear in mortgage payments. The European housing, or residential real estate, market has recently shown clear signs of recovery, with an increasing house price being the main trend. In recent years, the housing market has continued to rise in the Netherlands due the asset purchase programme (APP) of the European Central Bank and the, consequently, low mortgage rates. For example, the number of registered transactions reached a value of approximately ******* in 2018. The value of mortgages in 2020 is forecasted to increase with approximately *** percent compared to 2019.

Ireland IE: CBI: Residential Mortgage Loans: Oustanding Balance: Restructured Mortgages data was reported at 15,752,159.000 EUR th in Jun 2018. This records a decrease from the previous number of 15,832,798.000 EUR th for Mar 2018. Ireland IE: CBI: Residential Mortgage Loans: Oustanding Balance: Restructured Mortgages data is updated quarterly, averaging 14,904,167.000 EUR th from Sep 2009 (Median) to Jun 2018, with 36 observations. The data reached an all-time high of 17,817,167.000 EUR th in Sep 2015 and a record low of 0.000 EUR th in Sep 2010. Ireland IE: CBI: Residential Mortgage Loans: Oustanding Balance: Restructured Mortgages data remains active status in CEIC and is reported by Central Bank of Ireland. The data is categorized under Global Database’s Ireland – Table IE.KB009: Residential Mortgage Loans in Arrears.

Quarterly non-bank outstanding residential mortgages by insurance status, amortization period, total debt service ratio, loan-to-value and, days in arrears, by lender type and number of mortgages, displayed in thousands of dollars, unless otherwise specified.

This mortgage arrears rate in the Atlantic region of Canada declined to **** percent in 2022. In 2016, this figure was significantly higher, at **** percent. Across the different provinces, Ontario had the lowest arrears rate in the country.