Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, Banks Ranked 1st to 100th Largest in Size by Assets
DRSFRMT100S • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.89
Year-over-Year Change
-17.83%
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 among the top 100 largest U.S. banks by assets. It serves as a critical barometer of housing market health and potential financial stress in the banking sector.
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 provides insight into borrowers' ability to make timely mortgage payments and potential risks in the residential real estate market. Economists use this metric to assess credit quality, potential loan defaults, and broader economic conditions affecting homeowners.
Methodology
Data is collected through regulatory reporting by banks, tracking the percentage of mortgage loans that are 30 days or more past due.
Historical Context
Policymakers and financial regulators use this trend to monitor potential systemic risks in the housing market and inform monetary and lending policies.
Key Facts
- Measures mortgage payment delays for top 100 U.S. banks
- Indicates potential financial stress for homeowners
- Provides early warning signals for economic downturns
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising rate suggests increasing financial stress among homeowners, potentially signaling economic challenges or job market instability.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of mortgage performance.
Q: Why focus on the top 100 banks?
A: These banks represent a significant portion of the U.S. mortgage market, providing a comprehensive view of residential lending trends.
Q: How do policymakers use this data?
A: Regulators and central bankers use this trend to assess banking sector health and potentially adjust monetary policies.
Q: What are the limitations of this indicator?
A: The data only covers the largest banks and may not fully represent smaller regional or local lending institutions.
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Citation
U.S. Federal Reserve, Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, Banks Ranked 1st to 100th Largest in Size by Assets [DRSFRMT100S], retrieved from FRED.
Last Checked: 8/1/2025