Chart of the Week: Mortgage Delinquency Rates and Spreads Across Loan Type

According to the latest results from MBA’s National Delinquency Survey (NDS), the delinquency rate for mortgage loans on one-to-four-unit residential properties increased to a seasonally adjusted rate of 4.44% of all loans outstanding at the end of the first quarter of 2026. The delinquency rate was up 18 basis points from the fourth quarter of 2025 and up 40 basis points from one year ago.

MBA: Mortgage Delinquencies Increase Slightly in First Quarter

The delinquency rate for mortgage loans on one-to-four-unit residential properties increased to a seasonally adjusted rate of 3.94% of all loans outstanding at the end of the first quarter of 2024, according to the Mortgage Bankers Association’s National Delinquency Survey.

ICE First Look: Delinquencies Improve in February

Intercontinental Exchange Inc., Atlanta, released its first look at February mortgage performance, noting that the national delinquency rate was at 3.34%, down 4 basis points from the month before and 11 basis points lower than February 2023.