US Home Loan Delinquency Rates Rise During Q4 2025

Mortgage Delinquency Rates Rise in Late 2025

By the close of the fourth quarter in 2025, the proportion of mortgage loans on one-to-four-unit homes that were past due climbed to a seasonally adjusted 4.26% of all outstanding loans, as reported by the Mortgage Bankers Association’s National Delinquency Survey. This figure represents an increase of 27 basis points compared to the previous quarter and is 28 basis points higher than the same period in the prior year. Meanwhile, the share of loans entering foreclosure during the fourth quarter held steady at 0.20%. According to the MBA, delinquency rates rose for all primary loan categories, including Conventional and FHA loans.