A recent report from the Urban Institute analyzed potential reasons behind the increasing number of delinquencies on Federal Housing Administration (FHA) loans. While the increase is sizable, it’s not a cause for concern, the authors of the report suggest.

Laurie Goodman, Jun Zhu, Ted Tozer and Jung Hyun Choi — the authors of the July 10 report — found that the increase is attributable to loans from the 2022 and 2023 vintages that became seriously delinquent in the first year following origination.

In December 2024, 17% of delinquent FHA purchase loans were from 2023–2024 vintages, up from 10% details ⇒

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