Asset Quality Measures, Delinquencies on All Loans and Leases, Secured by Real Estate, Single-Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks
DALLSRESFRMACBEP • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
47,054.00
Year-over-Year Change
-2.83%
Date Range
1/1/1991 - 1/1/2025
Summary
This economic indicator tracks the percentage of single-family residential mortgage loans that are delinquent across all commercial banks in the United States. It serves as a critical measure of credit risk and potential financial stress in the housing market.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
The delinquency rate reflects the proportion of mortgage loans that are past due, providing insights into borrower financial health and potential systemic risks in the banking sector. Economists and financial analysts use this metric to assess the overall stability of residential real estate lending.
Methodology
Data is collected through regulatory reporting requirements from commercial banks, tracking loans that are 30 days or more past due.
Historical Context
This indicator is crucial for monetary policy makers, bank regulators, and investors in assessing the health of the housing finance market and potential economic vulnerabilities.
Key Facts
- Measures the percentage of single-family residential mortgages that are past due
- Provides early warning signals for potential economic stress
- Tracked across all commercial banks in the United States
FAQs
Q: What does a high delinquency rate indicate?
A: A high delinquency rate suggests potential economic challenges, such as job losses, income instability, or housing market stress that may impact borrowers' ability to make mortgage payments.
Q: How often is this data updated?
A: The data is typically updated quarterly, providing a consistent snapshot of mortgage loan performance across commercial banks.
Q: Why do economists care about mortgage delinquency rates?
A: These rates serve as a leading indicator of potential financial system stress and can signal broader economic challenges affecting housing and consumer financial health.
Q: How does this metric relate to overall economic health?
A: Mortgage delinquency rates can reflect broader economic conditions such as employment levels, income stability, and overall consumer financial well-being.
Q: What are the limitations of this data?
A: The metric only covers commercial banks and may not capture the entire mortgage market, including credit unions or non-bank lenders.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Delinquencies on All Loans and Leases, Secured by Real Estate, Single-Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks [DALLSRESFRMACBEP], retrieved from FRED.
Last Checked: 8/1/2025