The delinquency rate for mortgages on one- to-four-unit residential properties rose to a seasonally adjusted rate of 4.26% at the end of 2025, according to the Mortgage Bankers Association (MBA)’s National Delinquency Survey released Thursday.

The rate was up 27 basis points (bps) from the previous quarter and 28 bps higher than a year earlier. Foreclosure starts remained unchanged at 0.20% of all loans.

Conventional loan delinquencies rose 27 bps from the third quarter to 2.89%. Federal Housing Administration (FHA) delinquencies jumped 74 bps to 11.52%, while U.S. Department of Veterans Affairs (VA) delinquencies rose 10 details ⇒

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