6 Million Mortgage Lates in USA as of Jan 27, 2025

Overview:

It's tricky to pinpoint the exact number of mortgage lates in the USA today. Here's why:

  • Data Lag: Real-time data on mortgage delinquencies isn't readily available. These figures are usually compiled and released periodically (e.g., quarterly) by organizations like the Mortgage Bankers Association (MBA) or CDLData.com.
  • Different Definitions: "Late" can have various meanings. A mortgage might be considered late after 30 days, 60 days, or 90 days past due. Different sources might track these differently.
late-on-mortgage-lists-scaled

However, here's a snapshot of recent mortgage delinquency data to give you an idea:

  • Over 6 Million Americans Behind: Recent reports suggest that over 6 million Americans are behind on their mortgage payments.
  • Serious Delinquency Rates: As of Q4 2024, 0.70% of all mortgage debt in the U.S. was seriously delinquent (90 days or more past due).
  • Overall Delinquency Rate: In September 2024, 3% of all mortgages in the US were in some stage of delinquency (30 days or more past due, including foreclosures), according to MBA or CDLData.com.
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