Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets
DRSFRMOBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.35
Year-over-Year Change
15.38%
Date Range
1/1/1991 - 1/1/2025
Summary
This economic indicator tracks mortgage delinquency rates for smaller banks not among the top 100 by asset size. It provides critical insight into residential loan performance and potential credit market 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 measures the percentage of mortgage loans that are past due but not yet in foreclosure, serving as a key barometer of borrower financial health and banking sector risk. Economists use this metric to assess credit market conditions and potential economic vulnerabilities.
Methodology
Data is collected through regulatory reporting requirements from banks and financial institutions, tracking loans that are 30 days or more past due.
Historical Context
This indicator is used by policymakers, financial regulators, and market analysts to evaluate lending practices, economic stability, and potential systemic risks in the housing market.
Key Facts
- Tracks mortgage delinquencies for smaller banks
- Indicates potential credit market stress
- Provides early warning of economic challenges
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising rate suggests increasing financial stress among borrowers and potential economic challenges. It may signal broader economic difficulties such as job losses or income instability.
Q: How are smaller banks different from larger banks in this context?
A: Smaller banks often have more localized lending practices and may be more sensitive to regional economic conditions compared to larger national institutions.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a consistent snapshot of mortgage performance for smaller banking institutions.
Q: Why is this metric important for economic analysis?
A: It serves as an early warning system for potential credit market issues and helps economists and policymakers understand broader economic health.
Q: What are the limitations of this data?
A: The metric only covers banks not among the top 100 by assets, which means it doesn't represent the entire banking sector's mortgage performance.
Related News
S&P 500 Rises With Optimistic U.S. Inflation Report
S&P 500 Soars: Positive U.S. Inflation Developments The S&P 500, a primary stock index that tracks the performance of 500 major U.S. companies, has...
U.S. Stock Market Rises Amid PCE Inflation Report Analysis
U.S. Stock Market Climbs Amidst Insights from PCE Inflation Report Investors in the U.S. stock market are focusing on the most recent PCE Inflation...
U.S. Home Sales Decline In August Due To High Prices
August 2023 U.S. Home Sales Decline Amid Rising Mortgage Rates and High Prices In August 2023, U.S. home sales experienced a notable decline, highl...
Gen Z In the U.S. Shifts From Spending To Saving Habits
How Gen Z's Shift from Spending to Saving is Impacting the US Economy Recent trends indicate a significant shift in the spending habits of Gen Z, w...
U.S. Stock Market Futures Rise On Inflation and Tariff News
US Stock Market Futures Rise Amid Inflation Data and Tariff News US stock market futures are on the rise, driven by significant updates in inflatio...
U.S. Treasury Yields Decline After Inflation Data Meet Expectations
US Treasury Yields Drop as Inflation Data Meets Expectations US Treasury yields have seen a noticeable decline recently, as the latest inflation da...
Related Trends
Asset Quality Measures, Delinquencies on All Loans and Leases, Secured by Real Estate, Farmland, Booked in Domestic Offices, All Commercial Banks
DALLSREFACBEP
Delinquency Rate on Farmland Loans, Booked in Domestic Offices, Banks Ranked 1st to 100th Largest in Size by Assets
DRFLT100S
Asset Quality Measures, Delinquencies on All Loans and Leases, Secured by Real Estate, Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, Banks Ranked 1st to 100th Largest in Size by Assets
DALLSRECRELEXFT100EP
Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, Banks Ranked 1st to 100th Largest in Size by Assets
DRSFRMT100S
Delinquency Rate on Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, Banks Ranked 1st to 100th Largest in Size by Assets
DRCRELEXFT100S
Asset Quality Measures, Delinquencies on All Loans and Leases, Secured by Real Estate, Banks Ranked 1st to 100th Largest in Size by Assets
DALLSRET100EP
Citation
U.S. Federal Reserve, Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets [DRSFRMOBS], retrieved from FRED.
Last Checked: 8/1/2025