US Residential Mortgage Delinquency Rate
US Residential Mortgage Delinquency Rate is delinquent loans as a share of the stated loan book, reported as Percent.
1.86
Percent
US Residential Mortgage Delinquency Rate — latest reading: 1.86 percent. As of April 2026, it is up 8.1% over the past 12 months, below its 10-year average. Source: DRSFRMACBS, US Federal Reserve Board, published quarterly. Reported as published, without transformation; the publisher may revise it.
Min
1.41
Max
11.48
Average
3.72
10Y Percentile
35%
3M Change
+4.5%
US Residential Mortgage Delinquency Rate (DRSFRMACBS) — 142 observations from 1991-01-01 to 2026-04-01. Source: FRED, Federal Reserve Bank of St. Louis. Red shading indicates NBER recession periods.
Compare US Residential Mortgage Delinquency Rate with other indicators →
How these numbers changed
Every figure above is the current one. These are the same periods as first published — what US Residential Mortgage Delinquency Rate said on the day, before it was restated. Measured in Percent.
| Period | First print | Now | Change | Republished |
|---|---|---|---|---|
| Jan 2026 | 1.89 | 1.88 | -0.01 | 1× |
| Oct 2025 | 1.78 | 1.79 | +0.01 | 1× |
| Apr 2025 | 1.79 | 1.78 | -0.01 | 3× |
| Jan 2025 | 1.78 | 1.77 | -0.01 | 1× |
| Oct 2024 | 1.77 | 1.77 | 0 | 2× |
| Jul 2024 | 1.73 | 1.74 | +0.01 | 3× |
| Oct 2023 | 1.69 | 1.7 | +0.01 | 3× |
US Residential Mortgage Delinquency Rate for January 2026 first printed at 1.89 on May 19, 2026, was revised once, and now reads down to 1.88. Recompute any row from FRED's own vintage archive.
Macro Regime Context
The financial-conditions regime is currently neutral (63% confidence).
See what this means across all four regime dimensions →3-Month
+4.5%
6-Month
+5.1%
12-Month
+8.1%
What this means
US Residential Mortgage Delinquency Rate is currently at 1.86 percent, which is below its 10-year historical average. The trend is increasing (+4.5% over the past 3 months).
Over the past 6 months the change is +5.1%, and over 12 months it is +8.1%. The short-term pace is consistent with the longer trend.
Cite this page
MacroRadar, "US Residential Mortgage Delinquency Rate," https://www.macroradar.io/us-residential-mortgage-delinquency-rate (as of April 2026).