Page updated August 12, 2026Q2 data released August 11, 2026Source: Federal Reserve Bank of New York
Latest national mortgage data: Q2 2026Federal Reserve Bank of New York
FHFA's separate National Mortgage Database loan-performance series currently runs through Q1 2026 and is presented separately below.
U.S. Mortgage Balance
$13.117 trillion
2026 Q2Total outstanding mortgage balance.Source: Federal Reserve Bank of New York
Mortgage Balances 90+ Days Delinquent
0.99%
2026 Q2Percentage of mortgage balances 90+ days delinquent.Down 0.10 percentage points from Q1 2026.Source: Federal Reserve Bank of New York
Flow Into Serious Mortgage Delinquency
1.52%
2026 Q2Annualized flow into serious mortgage delinquency (four-quarter moving sum).Up 0.04 percentage points from Q1 2026 and 0.23 percentage points from Q2 2025.Source: Federal Reserve Bank of New York
Consumers With New Foreclosures
about 55,000
2026 Q2Consumers with new foreclosures; not properties or a foreclosure rate.About 4,000 fewer than in Q1 2026.Source: Federal Reserve Bank of New York
Key Findings
Flow into serious mortgage delinquency was 1.52% in Q2 2026, up from 1.29% in Q2 2025. That represents an increase of 0.23 percentage points, or approximately 17.8% year over year. The measure was little changed from 1.48% in Q1 2026.
Mortgage balances 90+ days delinquent were 0.99% in Q2 2026, compared with 1.09% in Q1 2026.
Flow into 30+ day mortgage delinquency reached 3.95% in Q2 2026, compared with 3.76% in Q1 2026. This measures newly delinquent mortgage balances rather than the stock of balances currently delinquent.
About 55,000 consumers had new foreclosures in Q2 2026, down from 59,160 in Q1 but above 52,800 in Q2 2025.
The New York Fed balance-based 90+ day delinquency series peaked at 8.89% in 2010 Q1; its Q2 2026 value was 0.99%.
Written by Casey Yontz, JD, Bankruptcy Attorney (18+ years bankruptcy experience in Arizona)
Legally reviewed by Benjamin Wright, Bankruptcy Attorney (18+ years experience)
Last reviewed on
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U.S. Mortgage Balances 90+ Days Delinquent Over Time
Percent of mortgage balance. All 94 New York Fed quarterly observations from 2003 Q1 through 2026 Q2 are shown.
Mortgage balance 90+ days delinquent
Source: Federal Reserve Bank of New York
Flow Into Mortgage Delinquency Over Time
The New York Fed tracks the annualized flow of mortgage balances entering delinquency using a four-quarter moving sum. These measures show newly delinquent balances, not the percentage of all mortgage balances currently delinquent.
The chart compares flow into 30+ day mortgage delinquency with flow into serious 90+ day mortgage delinquency.
Flow into 30+ day mortgage delinquencyFlow into serious 90+ day mortgage delinquency
Source: Federal Reserve Bank of New York
Recent U.S. Mortgage Delinquency Trends
The New York Fed 90+ balance measure from 2019 Q1 through 2026 Q2.
Mortgage balance 90+ days delinquent
Source: Federal Reserve Bank of New York
U.S. Mortgage Debt Over Time
Outstanding mortgage balance in trillions of dollars. The Q2 2026 value is $13.117 trillion. The apparent quarterly decline should be interpreted with the mortgage-servicer reporting caveat above.
Mortgage balance (trillions of dollars)
Source: Federal Reserve Bank of New York
Consumers With New Foreclosures Over Time
Quarterly number of U.S. consumers with a new foreclosure appearing on their credit report, shown in thousands. This is a consumer count, not a foreclosure rate or a count of properties.
Consumers with new foreclosures (thousands)
Source: Federal Reserve Bank of New York
New York Fed Historical Mortgage Data
Every source observation is included, newest first.
New York Fed quarterly national mortgage data
Quarter
Balance 90+ days delinquent
Flow into 30+ delinquency
Flow into serious 90+ delinquency
Mortgage balance
Consumers with new foreclosures
2026 Q2
0.99%
3.95%
1.52%
$13.117 trillion
55.16 thousand
2026 Q1
1.09%
3.76%
1.48%
$13.191 trillion
59.16 thousand
2025 Q4
0.92%
3.85%
1.38%
$13.170 trillion
58.14 thousand
2025 Q3
0.83%
3.62%
1.28%
$13.072 trillion
54.76 thousand
2025 Q2
0.82%
3.68%
1.29%
$12.935 trillion
52.80 thousand
2025 Q1
0.86%
3.71%
1.22%
$12.804 trillion
61.66 thousand
2024 Q4
0.70%
3.61%
1.09%
$12.605 trillion
41.22 thousand
2024 Q3
0.71%
3.60%
1.08%
$12.594 trillion
41.52 thousand
2024 Q2
0.57%
3.35%
0.95%
$12.519 trillion
47.18 thousand
2024 Q1
0.60%
3.24%
0.92%
$12.442 trillion
44.18 thousand
2023 Q4
0.57%
2.99%
0.82%
$12.252 trillion
40.22 thousand
2023 Q3
0.50%
2.80%
0.72%
$12.140 trillion
36.10 thousand
2023 Q2
0.46%
2.56%
0.63%
$12.014 trillion
38.84 thousand
2023 Q1
0.44%
2.43%
0.59%
$12.044 trillion
35.66 thousand
2022 Q4
0.43%
2.25%
0.57%
$11.923 trillion
34.28 thousand
2022 Q3
0.37%
2.10%
0.50%
$11.669 trillion
28.50 thousand
2022 Q2
0.48%
1.90%
0.44%
$11.387 trillion
35.12 thousand
2022 Q1
0.47%
1.66%
0.34%
$11.180 trillion
24.24 thousand
2021 Q4
0.46%
1.57%
0.29%
$10.930 trillion
8.88 thousand
2021 Q3
0.46%
1.39%
0.27%
$10.672 trillion
9.60 thousand
2021 Q2
0.47%
1.45%
0.33%
$10.442 trillion
8.10 thousand
2021 Q1
0.59%
1.59%
0.42%
$10.160 trillion
11.46 thousand
2020 Q4
0.62%
1.98%
0.65%
$10.043 trillion
14.22 thousand
2020 Q3
0.70%
2.54%
0.96%
$9.861 trillion
16.02 thousand
2020 Q2
0.84%
3.10%
1.08%
$9.776 trillion
23.90 thousand
2020 Q1
1.06%
3.48%
1.17%
$9.713 trillion
74.86 thousand
2019 Q4
1.07%
3.50%
1.10%
$9.557 trillion
71.42 thousand
2019 Q3
0.97%
3.42%
0.99%
$9.437 trillion
64.58 thousand
2019 Q2
0.87%
3.43%
1.04%
$9.406 trillion
70.40 thousand
2019 Q1
1.00%
3.50%
1.10%
$9.244 trillion
71.16 thousand
2018 Q4
1.06%
3.55%
1.19%
$9.124 trillion
67.98 thousand
2018 Q3
1.06%
3.56%
1.18%
$9.140 trillion
64.36 thousand
2018 Q2
1.11%
3.41%
1.18%
$8.999 trillion
75.54 thousand
2018 Q1
1.22%
3.38%
1.13%
$8.939 trillion
76.48 thousand
2017 Q4
1.27%
3.40%
1.14%
$8.882 trillion
69.16 thousand
2017 Q3
1.38%
3.46%
1.24%
$8.743 trillion
69.58 thousand
2017 Q2
1.47%
3.61%
1.24%
$8.691 trillion
84.82 thousand
2017 Q1
1.67%
3.51%
1.24%
$8.627 trillion
90.66 thousand
2016 Q4
1.57%
3.38%
1.29%
$8.480 trillion
78.92 thousand
2016 Q3
1.63%
3.43%
1.29%
$8.350 trillion
80.62 thousand
2016 Q2
1.76%
3.43%
1.41%
$8.362 trillion
82.84 thousand
2016 Q1
2.08%
3.70%
1.49%
$8.369 trillion
96.82 thousand
2015 Q4
2.18%
3.85%
1.55%
$8.249 trillion
104.10 thousand
2015 Q3
2.32%
3.94%
1.63%
$8.260 trillion
92.60 thousand
2015 Q2
2.51%
4.09%
1.65%
$8.116 trillion
95.14 thousand
2015 Q1
2.95%
4.05%
1.70%
$8.171 trillion
112.34 thousand
2014 Q4
3.07%
4.20%
1.81%
$8.170 trillion
121.76 thousand
2014 Q3
3.18%
4.48%
1.94%
$8.131 trillion
113.08 thousand
2014 Q2
3.39%
4.65%
2.11%
$8.096 trillion
115.64 thousand
2014 Q1
3.72%
4.92%
2.33%
$8.165 trillion
145.14 thousand
2013 Q4
3.93%
5.25%
2.54%
$8.049 trillion
157.32 thousand
2013 Q3
4.31%
5.47%
2.74%
$7.897 trillion
167.66 thousand
2013 Q2
4.94%
5.73%
2.99%
$7.841 trillion
199.62 thousand
2013 Q1
5.35%
6.04%
3.18%
$7.932 trillion
183.54 thousand
2012 Q4
5.58%
6.30%
3.48%
$8.033 trillion
209.66 thousand
2012 Q3
5.90%
6.69%
3.88%
$8.028 trillion
241.68 thousand
2012 Q2
6.33%
7.31%
4.18%
$8.147 trillion
255.66 thousand
2012 Q1
6.67%
7.57%
4.41%
$8.187 trillion
291.42 thousand
2011 Q4
6.89%
8.02%
4.58%
$8.268 trillion
289.38 thousand
2011 Q3
6.83%
8.20%
4.64%
$8.402 trillion
264.34 thousand
2011 Q2
6.91%
8.21%
4.83%
$8.516 trillion
284.22 thousand
2011 Q1
7.46%
8.64%
5.29%
$8.544 trillion
368.06 thousand
2010 Q4
7.61%
9.09%
5.84%
$8.452 trillion
447.06 thousand
2010 Q3
7.82%
9.71%
6.49%
$8.609 trillion
457.32 thousand
2010 Q2
8.36%
10.32%
6.95%
$8.703 trillion
483.76 thousand
2010 Q1
8.89%
11.06%
7.70%
$8.834 trillion
456.50 thousand
2009 Q4
8.75%
11.66%
8.30%
$8.843 trillion
465.80 thousand
2009 Q3
8.17%
12.44%
8.35%
$8.944 trillion
488.58 thousand
2009 Q2
7.93%
12.40%
8.26%
$9.063 trillion
566.18 thousand
2009 Q1
6.97%
11.94%
7.39%
$9.135 trillion
517.38 thousand
2008 Q4
5.59%
11.21%
6.65%
$9.257 trillion
424.04 thousand
2008 Q3
4.73%
10.26%
6.04%
$9.294 trillion
446.58 thousand
2008 Q2
4.16%
9.50%
5.32%
$9.273 trillion
455.44 thousand
2008 Q1
3.94%
8.72%
4.71%
$9.234 trillion
429.80 thousand
2007 Q4
2.93%
7.99%
3.68%
$9.101 trillion
348.52 thousand
2007 Q3
2.23%
7.09%
2.89%
$8.925 trillion
325.44 thousand
2007 Q2
1.76%
6.46%
2.40%
$8.706 trillion
243.90 thousand
2007 Q1
1.56%
5.99%
1.94%
$8.422 trillion
267.66 thousand
2006 Q4
1.31%
5.45%
1.68%
$8.234 trillion
220.20 thousand
2006 Q3
1.07%
5.03%
1.46%
$8.045 trillion
189.26 thousand
2006 Q2
0.86%
4.85%
1.31%
$7.760 trillion
179.42 thousand
2006 Q1
0.92%
4.73%
1.32%
$7.436 trillion
172.86 thousand
2005 Q4
0.93%
4.68%
1.27%
$7.102 trillion
166.72 thousand
2005 Q3
0.91%
4.69%
1.31%
$6.906 trillion
157.90 thousand
2005 Q2
0.87%
4.64%
1.37%
$6.696 trillion
148.78 thousand
2005 Q1
1.01%
4.75%
1.36%
$6.512 trillion
171.52 thousand
2004 Q4
1.08%
4.88%
1.36%
$6.360 trillion
184.14 thousand
2004 Q3
1.08%
5.00%
1.34%
$6.210 trillion
168.80 thousand
2004 Q2
1.00%
5.07%
1.29%
$5.967 trillion
171.44 thousand
2004 Q1
1.01%
5.05%
1.34%
$5.840 trillion
186.06 thousand
2003 Q4
1.06%
5.27%
1.44%
$5.660 trillion
193.24 thousand
2003 Q3
1.10%
5.27%
1.50%
$5.183 trillion
178.16 thousand
2003 Q2
1.14%
5.54%
1.50%
$5.080 trillion
169.90 thousand
2003 Q1
1.21%
5.38%
1.44%
$4.942 trillion
203.32 thousand
Source: Federal Reserve Bank of New York, Consumer Credit Panel / Equifax.
Supplemental FHFA Mortgage Loan-Performance Data
FHFA's National Mortgage Database provides a separate loan-performance series currently available through Q1 2026. Because FHFA and New York Fed statistics use different methodologies and publication schedules, the FHFA series is presented separately and is not appended to the New York Fed charts.
Source: Federal Housing Finance Agency, National Mortgage Database, Residential Mortgage Performance Statistics.View complete FHFA historical table
Quarter
P3089DL
P90DL
2026 Q1
1.7%
1.0%
2025 Q4
2.2%
1.0%
2025 Q3
1.7%
0.8%
2025 Q2
1.6%
0.8%
2025 Q1
1.9%
0.8%
2024 Q4
2.0%
0.8%
2024 Q3
1.6%
0.7%
2024 Q2
1.5%
0.7%
2024 Q1
1.6%
0.7%
2023 Q4
1.8%
0.6%
2023 Q3
1.4%
0.6%
2023 Q2
1.3%
0.5%
2023 Q1
1.3%
0.5%
2022 Q4
1.4%
0.5%
2022 Q3
1.1%
0.5%
2022 Q2
1.0%
0.5%
2022 Q1
1.0%
0.5%
2021 Q4
1.0%
0.5%
2021 Q3
0.8%
0.5%
2021 Q2
0.7%
0.5%
2021 Q1
0.8%
0.5%
2020 Q4
1.0%
0.6%
2020 Q3
0.9%
0.6%
2020 Q2
0.9%
0.6%
2020 Q1
1.8%
0.8%
2019 Q4
2.2%
0.9%
2019 Q3
1.9%
0.8%
2019 Q2
1.7%
0.8%
2019 Q1
1.8%
0.9%
2018 Q4
2.1%
0.9%
2018 Q3
2.0%
0.9%
2018 Q2
1.8%
0.9%
2018 Q1
1.8%
1.0%
2017 Q4
2.0%
1.1%
2017 Q3
2.0%
1.1%
2017 Q2
1.9%
1.1%
2017 Q1
1.9%
1.2%
2016 Q4
2.2%
1.3%
2016 Q3
2.1%
1.3%
2016 Q2
2.0%
1.4%
2016 Q1
2.0%
1.6%
2015 Q4
2.4%
1.6%
2015 Q3
2.2%
1.7%
2015 Q2
2.0%
1.8%
2015 Q1
2.0%
1.9%
2014 Q4
2.5%
2.1%
2014 Q3
2.3%
2.1%
2014 Q2
2.1%
2.2%
2014 Q1
2.4%
2.3%
2013 Q4
2.8%
2.6%
2013 Q3
2.5%
2.6%
2013 Q2
2.6%
2.8%
2013 Q1
2.8%
3.1%
2012 Q4
3.2%
3.3%
2012 Q3
3.2%
3.4%
2012 Q2
3.0%
3.5%
2012 Q1
3.0%
3.7%
2011 Q4
3.4%
3.8%
2011 Q3
3.2%
3.7%
2011 Q2
3.1%
3.7%
2011 Q1
3.0%
3.9%
2010 Q4
3.6%
4.0%
2010 Q3
3.6%
4.1%
2010 Q2
3.5%
4.3%
2010 Q1
3.4%
4.6%
2009 Q4
3.9%
4.6%
2009 Q3
3.9%
4.2%
2009 Q2
3.7%
3.6%
2009 Q1
3.7%
3.1%
2008 Q4
4.2%
2.6%
2008 Q3
3.6%
2.0%
2008 Q2
3.2%
1.7%
2008 Q1
3.1%
1.6%
2007 Q4
3.5%
1.5%
2007 Q3
3.0%
1.2%
2007 Q2
2.8%
1.0%
2007 Q1
2.5%
0.9%
2006 Q4
2.8%
0.9%
2006 Q3
2.6%
0.8%
2006 Q2
2.4%
0.7%
2006 Q1
2.1%
0.7%
2005 Q4
2.6%
0.8%
2005 Q3
2.3%
0.7%
2005 Q2
2.2%
0.7%
2005 Q1
2.1%
0.8%
2004 Q4
2.6%
0.8%
2004 Q3
2.5%
0.8%
2004 Q2
2.3%
0.7%
2004 Q1
2.2%
0.8%
2003 Q4
2.7%
0.8%
2003 Q3
2.5%
0.7%
2003 Q2
2.4%
0.7%
2003 Q1
2.4%
0.7%
2002 Q4
2.7%
0.7%
2002 Q3
2.6%
0.7%
2002 Q2
2.4%
0.6%
2002 Q1
2.3%
0.6%
Definitions
New York Fed measures
Balance 90+ days delinquent
Percentage of mortgage balance 90 or more days delinquent.
Flow into 30+ day delinquency
Annualized flow of mortgage balances entering 30+ day delinquency, presented as a four-quarter moving sum. This is a flow of newly delinquent balances rather than the percentage currently delinquent.
Flow into serious 90+ day delinquency
Annualized flow of mortgage balances entering serious delinquency of 90 or more days, presented as a four-quarter moving sum. This is not the percentage of all mortgage balances currently 90+ days delinquent.
Consumers with new foreclosures
Consumer count in thousands. It is neither a property count nor a foreclosure rate.
FHFA measures
P3089DL is the FHFA series for mortgages reported 30–89 days past due. P90DL is the separate FHFA series for mortgages reported 90 or more days past due. These are not treated as equivalent to New York Fed measures.
The primary source is the Federal Reserve Bank of New York Quarterly Report on Household Debt and Credit, using the Consumer Credit Panel / Equifax. The latest period is 2026 Q2; historical coverage here is 2003 Q1–2026 Q2. Depending on the series, the data include balance-based percentages, delinquency flows, account transitions, or consumer counts. Each measure is kept in its original statistical series.
FHFA: supplemental source
The FHFA National Mortgage Database quarterly CSV is available from 2002 Q1 through 2026 Q1. The page retains National / USA / All Mortgages P3089DL and P90DL loan-performance observations as a separate section and never appends them to New York Fed history.
Parsers reject missing required series, invalid periods or values, gaps, mismatched coverage, and incomplete latest periods. No values are fabricated, estimated, interpolated, substituted, or merged across sources.
The New York Fed provides the page's primary current and historical mortgage indicators through Q2 2026. The FHFA National Mortgage Database provides a separate mortgage loan-performance series through Q1 2026 and is presented separately because the two sources use different measures and methodologies.
