PHOENIX, Arizona – August 13, 2026 – Flow into serious mortgage delinquency increased 17.8% year over year in the second quarter of 2026, according to the latest Federal Reserve Bank of New York data compiled and analyzed in a new national mortgage statistics resource published by USBankruptcyHelp.com.
The new U.S. Mortgage Delinquency Statistics page brings together current and historical mortgage data from the Federal Reserve Bank of New York and the Federal Housing Finance Agency, with charts, quarterly tables, definitions and source methodology intended to make the data easier for journalists, researchers and consumers to use.
According to the New York Fed’s Q2 2026 Household Debt and Credit data, the annualized flow of mortgage balances entering serious delinquency, defined as 90 or more days delinquent, reached 1.52% in Q2 2026, compared with 1.29% in Q2 2025. That represents an increase of 0.23 percentage points, or approximately 17.8% year over year.
The quarter-over-quarter change was considerably smaller. Flow into serious mortgage delinquency was 1.48% in Q1 2026, increasing by 0.04 percentage points in Q2.
“One quarter doesn’t establish a trend, but the year-over-year increase in serious mortgage delinquency flow is worth watching,” said Casey Yontz, JD, bankruptcy attorney and founder of USBankruptcyHelp.com. “Consumers, journalists and researchers should be able to see not only the headline number, but also what it actually measures, how it has changed over time and where the underlying data comes from. That is what we are trying to provide with this resource.”
Other Q2 mortgage indicators present a more mixed picture.
The percentage of outstanding mortgage balances already 90 or more days delinquent declined to 0.99% in Q2 2026 from 1.09% in Q1 2026.
The annualized flow of mortgage balances entering 30-or-more-day delinquency increased to 3.95% from 3.76% during the same period.
Approximately 55,000 consumers had new foreclosures appear on their credit reports in Q2 2026, about 4,000 fewer than in the first quarter. The figure is a count of consumers, not properties or foreclosure filings.
Outstanding U.S. mortgage debt totaled $13.117 trillion at the end of Q2. The New York Fed reported a $74 billion quarterly decline in mortgage balances but cautioned that most of the apparent decrease resulted from a mortgage-servicer transfer gap in credit-reporting data. Without that reporting gap, the New York Fed said mortgage balances would have been approximately flat.
“Mortgage stress can look very different depending on which statistic you are looking at,” Yontz said. “The share of balances already seriously delinquent improved from the prior quarter, while the flow into serious delinquency remained higher than it was a year ago. Putting those measures side by side provides a much more useful picture than looking at a single number in isolation.”
The new USBankruptcyHelp.com resource includes New York Fed quarterly mortgage history dating to 2003 and separately presents Federal Housing Finance Agency National Mortgage Database loan-performance statistics dating to 2002.
Because the New York Fed and FHFA use different methodologies and measures, the two datasets are presented separately rather than combined into a single statistical series.
The resource includes historical charts covering mortgage balances 90 or more days delinquent, flows into mortgage delinquency, total U.S. mortgage debt and consumers with new foreclosures. Historical quarterly data tables and definitions are also provided.
The page will be updated as new quarterly mortgage data becomes available.
View the complete data, charts and methodology at USBankruptcyHelp.com/mortgage-delinquency-statistics.
About USBankruptcyHelp.com
USBankruptcyHelp.com is an attorney-led bankruptcy decision-support resource created to help individuals and families understand their options, identify risks, avoid common mistakes and decide what questions they need to answer before moving forward.
The website combines plain-English bankruptcy information with state-specific guides, calculators, estimators, comparison tools and public data resources. Its goal is to become one of the most useful bankruptcy decision-support resources on the web by helping readers move beyond general definitions and better understand how bankruptcy may apply to their income, property, debts and immediate financial concerns.
Bankruptcy content published by USBankruptcyHelp.com is written, reviewed or editorially supervised by experienced bankruptcy attorneys. The website is not a law firm, does not provide legal representation and does not offer legal advice. USBankruptcyHelp.com is not affiliated with or endorsed by the federal judiciary.
Media ContactCompany Name: USBankruptcyHelp.comContact Person: Casey YontzEmail: Send EmailPhone: 480-619-8147Address:4425 E. Agave Rd. Suite 110City: PhoenixState: AZCountry: United StatesWebsite: https://www.usbankruptcyhelp.com
