The delinquency rate for mortgages 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, according to the Mortgage Bankers Association (MBA)’s National Delinquency Survey.

The delinquency rate increased by 6 basis points from Q2 2025 and by 7 bps from the same period one year ago. The percentage of loans on which foreclosure actions were started in the third quarter rose by 3 bps to 0.20%.

Marina Walsh, MBA’s vice president of industry analysis, said that the increases in delinquencies were details ⇒

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