Mortgage delinquency rates increased in most states in 2024. That year, the percentage of total mortgage debt that was more than 90 days delinquent was the highest in Louisiana, at 1.59 percent. Conversely, Wisconsin and Montana had the lowest delinquency rates, at under 0.45 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.

Mortgage Application in the United States increased by 1.10 percent in the week ending June 20 of 2025 over the previous week. This dataset provides - United States MBA Mortgage Applications - actual values, historical data, forecast, chart, statistics, economic calendar and news.

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.

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.

The U.S. mortgage market has declined notably since 2020 and 2021, mostly due to the effect of higher borrowing costs on refinance mortgages. The value of refinancing mortgage originations, amounted to 190 billion U.S. dollars in the fourth quarter of 2024, down from a peak of 851 billion U.S. dollars in the fourth quarter of 2020. The value of mortgage loans for the purchase of a property recorded milder fluctuations, with a value of 304 billion U.S. dollars in the fourth quarter of 2024. According to the forecast, mortgage lending is expected to slightly increase until the end of 2026. The cost of mortgage borrowing in the U.S. Mortgage interest rates in the U.S. rose dramatically in 2022, peaking in the final quarter of 2024. In 2020, a homebuyer could lock in a 30-year fixed interest rate of under three percent, whereas in 2024, the average rate for the same mortgage type exceeded 6.6 percent. This has led to a decline in homebuyer sentiment, and an increasing share of the population pessimistic about buying a home in the current market. The effect of a slower housing market on property prices and rents According to the S&P/Case Shiller U.S. National Home Price Index, housing prices experienced a slight correction in early 2023, as property transactions declined. Nevertheless, the index continued to grow in the following months. On the other hand, residential rents have increased steadily since 2000.

The National Mortgage Database (NMDB®) is a nationally representative five percent sample of residential mortgages in the United States.

United States Employment: NF: FA: Mortgages & Non Mortgage Loan Broker data was reported at 91.300 Person th in May 2018. This records a decrease from the previous number of 91.900 Person th for Apr 2018. United States Employment: NF: FA: Mortgages & Non Mortgage Loan Broker data is updated monthly, averaging 69.400 Person th from Jan 1990 (Median) to May 2018, with 341 observations. The data reached an all-time high of 148.200 Person th in Apr 2006 and a record low of 28.700 Person th in Feb 1991. United States Employment: NF: FA: Mortgages & Non Mortgage Loan Broker data remains active status in CEIC and is reported by Bureau of Labor Statistics. The data is categorized under Global Database’s USA – Table US.G024: Current Employment Statistics Survey: Employment: Non Farm.

30 Year Mortgage Rate in the United States decreased to 6.77 percent in June 26 from 6.81 percent in the previous week. This dataset includes a chart with historical data for the United States 30 Year Mortgage Rate.

Graph and download economic data for Consumer Unit Characteristics: Percent Homeowner with Mortgage by Region: Residence in the Midwest Census Region (CXU980230LB1103M) from 1984 to 2023 about Midwest Census Region, consumer unit, homeownership, mortgage, residents, percent, and USA.

The National Mortgage Database (NMDB®) is a nationally​​ representative five percent sample of residential mortgages in the United States. Publication ​of aggregate data from NMDB is a step toward implementing the statutory requirements of section 1324(c) of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008. The statute requires FHFA to conduct a monthly mortgage market survey to collect data on the characteristics of individual mortgages, both Enterprise and​ non-Enterprise, and to make the data a​vailable to the public while protecting the privacy of the borrowers.​Notes:1) All CSV file headers are now standardized as described in the Data Dictionary and Technical Notes and all CSV files are zipped.2) Alternate wide format CSV files are available. The wide format may be more easily opened by MS Excel.

The median monthly mortgage payment in the United States in 2022 was the highest in New Jersey, followed by Hawaii and California. In New Jersey, a homeonwer paid approximately 2,440 U.S. dollars per month. Nevertheless, this did not include additional costs, such as homeowners association fees, homeowner insurance, or property taxes.

The LAR & TS data are collected by a financial institution as a result of applications for, and originations and purchases of, home-purchase loans (including refinancings) and home-improvement loans for each calendar year. The TS data contain specific information about the reporting institution, including respondent identification number used in the report, their supervisory agency code, respondent's name and address. The primary categories of each LAR record are data about the application and loan, action taken, property location, applicant information, and whether the loan was sold.

Graph and download economic data for Consumer Unit Characteristics: Percent Homeowner without Mortgage by Region: Residence in the South Census Region (CXU980240LB1104M) from 1984 to 2023 about South Census Region, consumer unit, homeownership, mortgage, residents, percent, and USA.

The Pre-1990 HMDA Aggregation Data were prepared annually during this period by the FFIEC on behalf of institutions reporting HMDA data. The Aggregation Data consists of home purchase and home improvement loans that a depository institution originated or purchased during each calendar year. The collected HMDA data were individually aggregated up to the tract level by the reporting depository institution and submitted accordingly to the FFIEC. Individual records are the summary of loan activity for the specified respondent for the indicated census tract except when the census tract numbers were either 888888 or 999999. The 888888 tract records are the sum of all loan activity by the reporter outside of the MSA being reported, but not appearing in any other MSA report. The 999999 tract records are the consolidated county summary data for loans made in untracted counties or counties with 1980 total population less than 30,000. The 1988 and 1989 Aggregation Data files include aggregated data from nondepository institutions, specifically mortgage banking subsidiaries of bank holding companies.

Home equity conversion mortgages (HECM) are a federally insured reverse mortgages which allow homeowners in the United States to withdraw some of the equity in the home that they own. In the financial year ending in September 2024, approximately 20,000 HECMs were granted. Wells Fargo was the leading reverse mortgage provider of all times as of 2024.

Graph and download economic data for Consumer Unit Characteristics: Percent Homeowner with Mortgage by Age: Under Age 25 (CXU980230LB0402M) from 1984 to 2023 about consumer unit, age, homeownership, mortgage, percent, and USA.

United States PDS: Net Positions: Mortgage-Backed Securities: Non-Agency MBS: Non-Agency Residential MBS data was reported at 8.650 USD bn in 30 Apr 2025. This records an increase from the previous number of 8.520 USD bn for 23 Apr 2025. United States PDS: Net Positions: Mortgage-Backed Securities: Non-Agency MBS: Non-Agency Residential MBS data is updated weekly, averaging 7.340 USD bn from Apr 2013 (Median) to 30 Apr 2025, with 631 observations. The data reached an all-time high of 19.299 USD bn in 24 Jul 2013 and a record low of 2.803 USD bn in 14 Oct 2020. United States PDS: Net Positions: Mortgage-Backed Securities: Non-Agency MBS: Non-Agency Residential MBS data remains active status in CEIC and is reported by Federal Reserve Bank of New York. The data is categorized under Global Database’s United States – Table US.Z040: Primary Dealer Statistics: Net Positions.

Graph and download economic data for Consumer Unit Characteristics: Percent Homeowner without Mortgage by Housing Tenure: Homeowner with Mortgage (CXU980240LB1703M) from 2003 to 2009 about consumer unit, homeownership, mortgage, percent, housing, and USA.

Graph and download economic data for Consumer Unit Characteristics: Percent Homeowner with Mortgage by Housing Tenure: Home Owner (CXU980230LB1702M) from 1984 to 2023 about consumer unit, homeownership, mortgage, percent, housing, and USA.

Graph and download economic data for Expenditures: Mortgage Interest and Charges by Housing Tenure: Homeowner with Mortgage (CXUOWNMORTGLB1703M) from 2003 to 2023 about homeownership, mortgage, expenditures, interest, housing, and USA.