Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks
DRSFRMACBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.78
Year-over-Year Change
-14.83%
Date Range
1/1/1991 - 1/1/2025
Summary
This economic indicator tracks the percentage of single-family residential mortgage loans that are past due in U.S. commercial banks. It serves as a critical barometer of housing market health and consumer financial stress.
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 have missed scheduled payments, typically beyond 30 days past due. Economists use this metric to assess credit risk, lending standards, and potential economic downturns.
Methodology
Data is collected quarterly by the Federal Reserve from commercial banks' reporting of mortgage loan performance across their domestic portfolios.
Historical Context
Policymakers and financial analysts use this trend to evaluate housing market stability, credit conditions, and potential systemic economic risks.
Key Facts
- Tracks mortgage loans more than 30 days past due in U.S. commercial banks
- Provides insight into consumer financial health and lending risk
- Fluctuates with economic conditions and housing market performance
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising rate typically suggests increasing financial stress among homeowners and potential economic challenges such as job losses or economic downturn.
Q: How often is this data updated?
A: The Federal Reserve updates this data quarterly, providing a current snapshot of mortgage performance across U.S. commercial banks.
Q: How do mortgage delinquencies impact the broader economy?
A: High delinquency rates can signal potential credit market stress, impact bank lending practices, and potentially contribute to broader economic instability.
Q: What factors influence mortgage delinquency rates?
A: Key factors include unemployment rates, interest rates, housing prices, overall economic conditions, and individual borrower financial health.
Q: Are there limitations to this economic indicator?
A: The data only covers commercial banks and may not fully represent alternative lending sources or the entire mortgage market landscape.
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Citation
U.S. Federal Reserve, Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks [DRSFRMACBS], retrieved from FRED.
Last Checked: 8/1/2025