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Mortgage delinquencies


Historical graph of the Residential Mortgage Delinquencies

To view the interactive version of the Mortgage delinquencies, JavaScript must be enabled and you need the latest version of the Adobe Flash Player.

What is it?

  • Residential Mortgage Delinquencies measure delinquency percentages for residential real estate loans secured by one- to four-family properties. It includes home-equity lines of credit.
  • Delinquent loans represent those loans that are past due 30 days or more and are still accruing interest, as well as loans in non-accrual status.

Why is it important?

  • We believe a higher than average mortgage delinquency rate is a key factor in the continuing housing crisis and also as it relates to the broader economy.

How do we interpret it?

  • Rising delinquency rates are an after-the-fact reflection of challenging economic climates.
  • Since mortgage payments are less discretionary than general consumer expenditures, increases in this indicator are more likely to occur during times of economic difficulty.

Typical historical range

  • As of December 2012, 90% of observations for the mortgage delinquency rates fall between 1.40% to 10.40%.

The source of our data is Bloomberg.

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