According to the latest MBA National Delinquency Survey, the delinquency rate for mortgage loans on one-to-four-unit residential properties increased to a seasonally adjusted rate of 3.99% of all loans outstanding at the end of the third quarter of 2025.
Category: News and Trends
MBA Premier Member Editorial: Why Mortgage Servicers Should Prepare Now for Rising Defaults
Mortgage defaults remain below pre-pandemic levels, but they’ve been edging up, especially among financially vulnerable homeowners. According to the September 2025 ICE Mortgage Monitor, foreclosure starts are up more than 7.6% year-over-year, and loans in active foreclosure have increased by 19,000 compared to last year.
MBA: Delinquency Rates for Commercial Properties Decreased in Third Quarter
Delinquency rates for mortgages backed by commercial properties decreased during the third quarter of 2025. This is according to the Mortgage Bankers Association’s latest commercial real estate finance Loan Performance Survey.
Redfin: 29% of Home Purchases Are Made in Cash
Just under three in 10 U.S. homebuyers paid in all cash in August, down insignificantly from 29% a year earlier, according to Redfin, Seattle.
MBA Commends CFPB for Rescinding Nonbank Registration Rules
MBA President and CEO Bob Broeksmit, CMB, a statement in response to the Consumer Financial Protection Bureau (CFPB) rescinding its July 2024 regulation that would have established a public registry of nonbank entities subject to certain agency and court orders and withdrawing its 2023 proposal to create a registry of nonbank contract terms and conditions.
FOMC Cuts Rate 25 Basis Points; MBA Economist Weighs In
The Federal Reserve’s Federal Open Markets Committee cut the federal funds rate target by 25 basis points Oct. 29.
Building Long-Term Value: How Subservicing Supports a Servicing-Retained Strategy
Dovenmuehle’s Chris Torres writes that the economics of servicing have never been more compelling.
Realtor.com: Down Payments Near Flat in Q3
Realtor.com, Santa Clara, Calif., reported down payments in Q3 held at an average of 14.4%, with a median down payment of $30,400 in the third quarter.
MISMO Publishes New Version 3.6.2 Reference Model
MISMO, the real estate finance industry’s standards organization, announced the publication of Version 3.6.2 of the MISMO Reference Model, which includes new data points, containers, and enumerations to support MISMO work products and other mortgage industry business content.
ATTOM: Share of Equity-Rich Homes Down in Q3
ATTOM, Irvine, Calif., released its third-quarter 2025 U.S. Home Equity and Underwater Report, finding that 46.1% of mortgaged residential properties were equity-rich.