Mortgage delinquency rates are increasing modestly from historic low points as declining cure rates push more borrowers into serious distress, even as affordability has improved on a year-over-year basis, according to Intercontinental Exchange (ICE)’s April 2026 Mortgage Monitor.

The report, which draws on ICE’s McDash loan-level database and home price index, shows the national delinquency rate reached 3.72% in February, up 7 basis points from January. This was driven by seasonal increases in both early- and late-stage delinquencies. The rate is up 20 bps from a year earlier but remains slightly below pre-pandemic levels.

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