Federal Housing Administration (FHA) loans had the highest delinquency rate in the United States in 2023. As of the third quarter of the year, 9.5 percent of one-to-four family housing mortgage loans were 30 days or more delinquent. This percentage was lower for conventional loans (3.76 percent) and conventional loans (2.5 percent).
Mortgage delinquency rates in the United States in 3rd quarter 2023, by loan type
Loan type
Delinquency rate
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Covers one- to four-family residential non farm mortgage
loans. Mortgage origination is the making of a new mortgage, including all steps taken by a lender to attract and qualify a borrower, process the mortgage loan, and place it on the lender’s books. Based on the national Delinquency Survey which covers 45 million loans on one- to four unit properties, representing between 80 to 85 percent of all 'first lien' residential mortgage loan outstanding. Loans surveyed were reported by approximately 120 lenders, including mortgage bankers, commercial banks and thrifts. Number of loans delinquent 30 days or more as percentage of mortgage loans serviced in survey. Annual average of quarterly figures. Delinquency rate does not include loans in the process of foreclosure.
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Mortgage Bankers Association. (November 9, 2023). Mortgage delinquency rates in the United States in 3rd quarter 2023, by loan type [Graph]. In Statista. Retrieved August 25, 2024, from https://www.statista.com/statistics/206494/us-mortgage-delinquency-rates-by-loan-type/
Mortgage Bankers Association. "Mortgage delinquency rates in the United States in 3rd quarter 2023, by loan type." Chart. November 9, 2023. Statista. Accessed August 25, 2024. https://www.statista.com/statistics/206494/us-mortgage-delinquency-rates-by-loan-type/
Mortgage Bankers Association. (2023). Mortgage delinquency rates in the United States in 3rd quarter 2023, by loan type. Statista. Statista Inc.. Accessed: August 25, 2024. https://www.statista.com/statistics/206494/us-mortgage-delinquency-rates-by-loan-type/
Mortgage Bankers Association. "Mortgage Delinquency Rates in The United States in 3rd Quarter 2023, by Loan Type." Statista, Statista Inc., 9 Nov 2023, https://www.statista.com/statistics/206494/us-mortgage-delinquency-rates-by-loan-type/
Mortgage Bankers Association, Mortgage delinquency rates in the United States in 3rd quarter 2023, by loan type Statista, https://www.statista.com/statistics/206494/us-mortgage-delinquency-rates-by-loan-type/ (last visited August 25, 2024)
Mortgage delinquency rates in the United States in 3rd quarter 2023, by loan type [Graph], Mortgage Bankers Association, November 9, 2023. [Online]. Available: https://www.statista.com/statistics/206494/us-mortgage-delinquency-rates-by-loan-type/