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

Repossessions occur when a borrower fails to repay their loan on time or a tenant is late on their rent, and the lender takes possession of the property. To avoid a spike in repossessions during the coronavirus (COVID-19) crisis, the Financial Conduct Authority (FCA) introduced measures for renters and mortgage borrowers. As a result, the number of repossessions fell to a record low in 2020. In the second quarter of 2024, there were *** repossessions of mortgaged homes and ***** repossessions of rental properties by landlords.

Residential Mortgage Arrears and Repossession Statistics. Published by Central Bank of Ireland. Available under the license Creative Commons Attribution 4.0 (CC-BY-4.0).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...

Figures represent court actions for possession and not actual homes repossessed. Repossessions can occur without a court order being made, while not all court orders result in repossession taking place.

The data provided in each of the tables relate to possession claims issued and claims leading to an orders being made in the county courts in England and Wales.

Claims Issued: A possession claim is created when a claimant begins a legal action for an order for possession of property by making a claim that is then issued in a county court.

Orders: The court, following a judicial hearing may grant an order for immediate possession. This entitles the claimant to apply for a warrant to have the defendant evicted, except in the case of suspended orders where the order is suspended as long as the defendant complies with conditions specified in the order.

Warrants: Having received an order, or if the terms of a suspended order are broken, the claimant can apply for a warrant of possession.

Possessions: Once a warrant has been issued, county court bailiffs can repossess the property on behalf of the claimant.

Note:

Previously, the figures presented in this dataset were claims that lead to orders, claims that lead to warrants, and claims that lead to repossessions. This counted the number of orders, warrants or repossessions that are unique to a claim, so that if one claim had two or more orders only the first was counted. In the current version of this dataset, they have been replaced with the total number of orders, warrants, and repossessions.

Since Quarter 4 2014, regional data is longer available because it is no longer possible to calculate an accurate regional figure because the small numbers in local authority data are suppressed.

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.

🇬🇧 영국

Mortgage possessions proceedings issued in the county courts, Local Authority and private

Source: Ministry of Justice (MoJ)

Publisher: Ministry of Justice

Geographies: County/Unitary Authority, Government Office Region (GOR), National

Geographic coverage: England and Wales

Time coverage: 2004 to 2009

Type of data: Administrative data

Repossession is where a court order has been granted ordering a debtor to hand back a property to a creditor where the property was either used as collateral (for a mortgage, loan or an unsecured debt or loan which has been secured by an order charging land) or rented or leased in a previous contract between the creditor and the debtor. The court order can be made by the High Court (for mortgage repossessions), the County Court (for ejectment cases where a property has been rented) or the Magistrates Court (involving squatter cases). If the debtor fails to obey the terms of the court order, the creditor may apply to the Enforcement of Judgments Office (EJO) to enforce it. Physical repossession occurs when the EJO remove all persons in occupation of the property and their goods. In some occasions, repossession also occurs when there are no persons in occupation of the property and there are no goods are removed. Repossession is recorded as completed when all persons in occupation of the property have been removed, their goods removed and the property is handed over to the creditor. Repossession is also recorded as completed if there are no persons and or goods to remove and the property is handed over to the creditor. For the majority of cases, repossession will relate to a single property, but a court order can sometimes refer to more than one property. Property that may be repossessed include private dwellings or business premises that are either leased, rented or owner occupied. It can also relate to a piece of land that contains no dwellings such as agricultural land or wasteland. Property tenures that may be repossessed are those that are rented from a social housing authority or landlord (such as the Northern Ireland Housing Executive, or a Housing Association), those that are rented or leased from a private landlord, owner occupied properties that have a mortgage or secured loan registered against their property or properties that have a debt secured by way of an order charging land. Rented properties are repossessed by way of an ejectment order obtained at the County Court, with mortgaged properties repossessed by way of a mortgage possession order obtained at the High Court. On occasions, an order may be sought from the Magistrates' Court to repossess a property inhabited by a squatter. The postcode recorded for each repossession refers to the correspondence address of the person to whom enforcement has been sought. This is not always the address of the property to be repossessed as the property may not have a postal address (if it is a piece of land) or it may relate to the correspondence address of a landlord or a second home. A slight change to the methodology used to generate these data occurred during the period of this series. From 2007 to March 2014, the EJO have used the same methodology for recording repossessions (based on the recorded ‘return date’ repossession case held by enforcement officers (who manage a repossession case). Since April 2014, a different methodology has been used (based upon the date the repossession was completed which is marked against a case file). The change was made to make the methodology a more accurate reflection of the date the repossession was completed. Users of this data may have been able to self-identify themselves due to the low values in some cells. Primary and secondary disclosure control methods have been applied to this data, denoted by cells with missing data in the tables. Values of less than four, but not zero participants, were initially suppressed, but some of these values could have been calculated using some row and column totals and thus secondary suppression was applied to the next lowest value in the row and column. The dataset was created using the Central Postcode Directory (CPD). Unknown/missing postcodes are not shown but are included in the Northern Ireland totals. The data contain the number of cases disposed by each Health and Social Care Trust and have the following proportions of postcode coverage: 2007, 97.8%; 2008, 99.0%; 2009, 99.1%; 2010, 97.0%; 2011, 97.8% 2012, 97.8%; 2013, 97.2%; 2014, 97.3%; 2015, 97.7%; 2016, 97.6%; 2017, 98.5%; 2018, 97.4%; 2019, 97.2%; 2020, 96.4%, and; 2021, 100%; 2022, 95.9%; 2023, 97.5%; 2024, 97.9%.

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.

Repossessions occur when a borrower fails to repay their loan on time and the lender takes possession of the property. To avoid a spike in repossessions during the wake of the coronavirus (COVID-19) crisis, the Financial Conduct Authority (FCA) introduced a mortgage payment holiday with the option of borrowers to access payment deferrals. In the period between the second quarter of 2020 and the first quarter of 2021, the number of repossessions of mortgages to private individuals in England and Wales dropped to nearly zero. In comparison, in 2011, repossessions in Midlands alone measured over *****.

Ireland IE: EHLG: Number of Mortgage Loans: Repossessions data was reported at 1,702.000 Unit in Jun 2018. This records a decrease from the previous number of 1,802.000 Unit for Mar 2018. Ireland IE: EHLG: Number of Mortgage Loans: Repossessions data is updated quarterly, averaging 1,080.500 Unit from Sep 2009 (Median) to Jun 2018, with 36 observations. The data reached an all-time high of 1,966.000 Unit in Sep 2015 and a record low of 331.000 Unit in Sep 2009. Ireland IE: EHLG: Number of Mortgage Loans: Repossessions 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.KB010: No of Mortgage Loans.

The number of final orders made against mortgage cases disposed in the High Court. Datasets are produced on an annual year basis. The dataset is entered onto ICOS, the Integrated Courts Operations System. The data are then extracted and merged with the Central Postcode Directory, and aggregated information uploaded to this portal. Northern Ireland Courts and Tribunals Service collects information on writs and originating summonses issued in respect of mortgages in Chancery Division of the Northern Ireland High Court. This covers both Northern Ireland Housing Executive and private mortgages, and relates to both domestic and commercial properties. A mortgage case may involve more than one address or a land property. In such cases, the first postcode address entered onto ICOS is used. Not all writs and originating summonses lead to eviction. A plaintiff begins an action for an order for possession of property. The court, following a judicial hearing, may grant an order for possession. This entitles the plaintiff to apply for an order to have the defendant evicted. However, even where an order for eviction is issued the parties can still negotiate a compromise to prevent eviction. When a case is disposed of, it may have more than one final order made. This database contains the last final order made. A description of the orders is below: Possession: The court orders the defendant to deliver possession of the property to the plaintiff within a specified time. If the defendant fails to comply with the court order the plaintiff may proceed to apply to the Enforcement of Judgements Office to repossess the property and give possession of it to the plaintiff. Sale and Possession: If the plaintiff seeks possession of property which is subject to an ‘equitable mortgage’ (i.e. normally one created informally by the deposit of deeds rather than the execution of a mortgage deed) the court may order a sale of the property to enable enforcement of the equitable mortgage and that the defendant give up possession for that purpose. The sale price is subject to approval by the court. Suspended Possession: The court may postpone the date for delivery of possession if it is satisfied that the defendant is likely to be able, within a reasonable period, to pay any sums due under the mortgage, or to remedy any other breach of the obligations under the mortgage. A suspended possession order cannot be enforced by the plaintiff without the permission of the court, which will only be granted after a further hearing. Other: other orders include strike out, dismiss action, and other less common orders. Strike out: This occurs when the moving party does not wish to proceed any further, or when the court rules that there is no reasonable ground for bringing or defending the mortgage action. Dismiss action: The mortgage action is dismissed by the courts. Other orders: These include: (a) Declaration of possession coupled with an order for sale in lieu of partition and (b) Stay of Eviction - after a Possession Order is granted but prior to actual repossession, the Defendant may apply to Court to seek a stay of eviction which, if granted, prevents repossession for a certain defined period. Users of this data may have been able to self-identify themselves due to the low values in some cells. Primary and secondary disclosure control methods have been applied to this data, denoted by cells with missing data in the tables. Values of less than four, but not zero, were initially suppressed, but some of these values could have been calculated using some row and column totals and thus secondary suppression was applied to the next lowest value in the row and column. The data contain the number of final orders made against cases disposed by each Assembly Area and have the following proportions of postcode coverage: 2010, 97.8%; 2011, 97.3%; 2012, 97.7%; 2013, 96.5%; 2014, 96.0%; 2015, 94.8%; 2016, 95.5%; 2017, 95.1%; 2018, 94.8%; 2019, 93.8%; 2020, 95.6%; 2021, 93.6%; 2022, 95.3%; 2023 97.5%

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 Q1 2025 about domestic offices, delinquencies, 1-unit structures, mortgage, family, residential, commercial, domestic, banks, depository institutions, rate, and USA.

Graph and download economic data for Large Bank Consumer Mortgage Balances: 30 or More Days Past Due: Including Foreclosures Rates: Balances Based (RCMFLBBALDPDPCT30P) from Q3 2012 to Q1 2025 about 30 days +, FR Y-14M, large, balance, mortgage, consumer, banks, depository institutions, rate, and USA.

About ***** percent of U.S. homeowners with a mortgage who were behind on mortgage payments in ************ were very likely to face eviction in the next two months due to a foreclosure. Additionally, ** 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.

Abstract

The Owner Transfer and Mortgage data covers over 450 million properties, and includes over 50 years of sales history. The tables were generated in June 2024, and cover all U.S. states, the U.S. Virgin Islands, Guam, and Washington, D.C.

The Owner Transfer data provides historical information about property sales and ownership-related transactions, including full, nominal, and quitclaim transactions (involving a change in title/ownership). It contains comprehensive property and transaction information, such as property characteristics, current ownership, transaction history, title company, cash purchase/foreclosure/resale/short sale indicators, and buyer information.

The Mortgage data provides historical information at the mortgage level, including purchase, refinance, equity, as well as details associated with each transaction, such as lender, loan amount, loan date, interest rate, etc. Mortgage details include mortgage amount, type of loan (conventional, FHA, VHA), mortgage rate type, mortgage purpose (cash out first, consolidation, standalone subordinate), mortgage ARM features, and mortgage indicators such as fixed-rate, conforming loan, construction loan, and private party. The Mortgage data also includes subordinate mortgage types, rate details, and lender details (NMLS ID, Loan Company, Loan Officers).

The CoreLogic Smart Data Platform (SDP) Owner Transfer and Mortgage data was formerly known as the CoreLogic Deed data. The CoreLogic Deed data contained both owner transfer and mortgage information. In the CoreLogic Smart Data Platform (SDP), this data was separated into two tables: Owner Transfer and Mortgage. Between the two tables, the CoreLogic Smart Data Platform (SDP) Owner Transfer and Mortgage data contains almost all of the variables that were included in the CoreLogic Deed data. Further, each CoreLogic Smart Data Platform (SDP) table is augmented with additional owner transfer and mortgage characteristics.

Methodology

In the United States, parcel data is public record information that describes a division of land (also referred to as "property" or "real estate"). Each parcel is given a unique identifier called an Assessor’s Parcel Number or APN. The two principal types of records maintained by county government agencies for each parcel of land are deed and property tax records. When a real estate transaction takes place (e.g. a change in ownership), a property deed must be signed by both the buyer and seller. The deed will then be filed with the County Recorder’s offices, sometimes called the County Clerk-Recorder or other similar title. Property tax records are maintained by County Tax Assessor’s offices; they show the amount of taxes assessed on a parcel and include a detailed description of any structures or buildings on the parcel, including year built, square footages, building type, amenities like a pool, etc. There is not a uniform format for storing parcel data across the thousands of counties and county equivalents in the U.S.; laws and regulations governing real estate/property sales vary by state. Counties and county equivalents also have inconsistent approaches to archiving historical parcel data.

To fill researchers’ needs for uniform parcel data, CoreLogic collects, cleans, and normalizes public records that they collect from U.S. County Assessor and Recorder offices. CoreLogic augments this data with information gathered from other public and non-public sources (e.g., loan issuers, real estate agents, landlords, etc.). The Stanford Libraries has purchased bulk extracts from CoreLogic’s parcel data, including mortgage, owner transfer, pre-foreclosure, and historical and contemporary tax assessment data. Data is bundled into pipe-delimited text files, which are uploaded to Data Farm (Redivis) for preview, extraction and analysis.

For more information about how the data was prepared for Redivis, please see CoreLogic 2024 GitLab.

Usage

The Property, Mortgage, Owner Transfer, Historical Property and Pre-Foreclosure data can be linked on the CLIP, a unique identification number assigned to each property.

Mortgage records can be linked to a transaction using the MORTGAGE_COMPOSITE_TRANSACTION_ID.

For more information about included variables, please see:

• core_logic_sdp_owner_transfer_data_dictionary_2024.txt
• core_logic_sdp_mortgage_data_dictionary_2024.txt
• Mortgage_v3.xlsx
• Owner Transfer_v3.xlsx

%3C!-- --%3E

For a count of records per FIPS code, please see core_logic_sdp_owner_transfer_counts_2024.txt and core_logic_sdp_mortgage_counts_2024.txt.

For more information about how the CoreLogic Smart Data Platform: Owner Transfer and Mortgage data compares to legacy data, please see core_logic_legacy_content_mapping.pdf.

Bulk Data Access

Data access is required to view this section.

Product Overview

You’re a few short steps away from accessing the largest and most comprehensive Pre-Foreclosure and Foreclosure database in the country. Whether you want to conduct property research, data analysis, purchase distressed properties, or market your services, licensing Pre-Foreclosure and Foreclosure Data provides in-depth intelligence on distressed properties across the country that will inform your next move.

What is Foreclosure?

Foreclosure is the legal process of taking possession of a mortgaged property when the borrower fails to keep up with mortgage payments. The foreclosure process varies from state to state, depending on whether the state has a judicial or nonjudicial process. Judicial process requires court action on a foreclosed property, where a nonjudicial process does not.

Foreclosure and Pre-Foreclosure Data Includes:

• 9 Different types of Judicial vs Non-Judicial
• Auctions
• Public Notices
• Lis Pendens
• Releases
• Defendant and Plaintiff Names
• Recording Dates, Published Dates, and Auction Dates
• Original Mortgage Information

This data includes filings related to mortgage foreclosure in Allegheny County. The foreclosure process enables a lender to take possession of a property due to an owner's failure to make mortgage payments. Mortgage foreclosure differs from tax foreclosure, which is a process enabling local governments to take possession of a property if the owner fails to pay property taxes.

As Pennsylvania is a judicial foreclosure state, a lender files for foreclosure through the court system. Foreclosure data in the court system is maintained by the Allegheny County Department of Court Records. Data included here is from the general docket, and a mortgage foreclosure docket created to help homeowners maintain ownership of their property following an initial filing. Several different types of legal filings may occur on a property involved in the foreclosure process. At this time, only the most recent filing in a case is included in the data found here, but we hope to add all filings for a case in the coming months.

After a property enters the foreclosure process, several potential outcomes are possible. Some of the more common outcomes include: borrowers may come to an agreement with the lender for unpaid debt; borrowers may sell the property to satisfy part or all of the debt; borrowers may voluntarily relinquish ownership to the lender; lenders may decide not to pursue the foreclosure any further; and the property may proceed all the way through a sheriff sale, where it is sold to a new owner.

Before September 2022, the data presented here included only the final filing for the month in which each case (represented by Case ID) is opened; since then the feed has changed so we now have a new last_activity field, which gets updated whenever there is a new filing in the case with the date of the last filing for the month. The last_activity value gives some indication of which cases are still ongoing. (However, the new feed does not include the docket_type field, so these are blank for cases started after August 2022.) To view the detailed mortgage foreclosure filings for each property represented in this dataset, please visit the Department of Court Records Website, and enter the Case ID for a property to pull-up detailed information about each foreclosure case, including parties, docket entries, and services.

CHANGELOG

2022-12-14: Loaded data back to September (which had been missing due to the schema migration). Added a new last_activity field. Data since September 2022 is missing the docket_type value, for now those new values will be set to '' (empty string).