Foreclosure Filings Up 15% in Q2 2026 From a Year Earlier: FHA Delinquency at 11.79%
The number of U.S. properties with a foreclosure filing was up 15% from a year earlier in Q2 2026, according to ATTOM Data Solutions. In the Mortgage Bankers Association's survey, 11.79% of FHA loans were at least one payment behind in Q2 2026, little changed from 11.88% in Q1 2026. ATTOM, Mortgage Bankers Association, and Federal Reserve data, updated quarterly.
What Do the Latest Foreclosure Numbers Show?
The number of U.S. properties with at least one foreclosure filing was up 15% in Q2 2026 from the same quarter a year earlier, according to ATTOM Data Solutions. A filing can be a default notice, an auction notice or a bank repossession, so this is a count of properties with foreclosure paperwork, not of homes lost, and it isn't a foreclosure rate.
The Federal Reserve Board's single-family mortgage delinquency rate for commercial banks was 1.9% in Q2 2026, the same as in Q1 2026. FHA delinquency was 11.79% in Q2 2026, up from 10.57% a year earlier, according to the Mortgage Bankers Association's National Delinquency Survey. That's about one in eight FHA loans in the survey at least one payment behind. The American Distress Index currently reads 47.0 (Typical). The composite itself sits higher than 44% of all published quarters since 2005.
Key Foreclosure Statistics at a Glance
The foreclosure-filing and FHA figures on this page are context for the American Distress Index, not inputs to it. The bank-booked mortgage delinquency rate feeds the index's Delinquency domain (20.0% weight), and a mortgage charge-off measure feeds its Default & Legal domain (20.0% weight). The FHA rate, 11.79% in MBA's survey, covers FHA-insured loans serviced by the companies that take part in it.
How Has FHA Delinquency Changed?
FHA delinquency was 11.79% in Q2 2026, up from 10.57% a year earlier and little changed from 11.88% in Q1 2026. MBA counts loans in forbearance, and since late 2025 loans in required FHA trial payment plans, as delinquent, so reporting rules move this rate as well as borrower hardship. The stored MBA series has gaps before 2023, so this page doesn't call any FHA reading a record or the highest since a given date.
FHA Mortgage Delinquency Rate (%)
Source: MBA National Delinquency Survey. Quarterly, 2007–present, with gaps before 2023.
Full data: FHA mortgage delinquency rate indicator page (The FHA Signal)
FHA Delinquency Since 2019
The chart below zooms into 2019 onward. The Federal Reserve Board's bank-booked single-family mortgage rate, a different measure, was 1.9% in Q2 2026, the same as in Q1 2026. The two aren't like-for-like: MBA's FHA rate counts loans at least one payment behind, while the Fed's is the share of loan dollars on commercial banks' books 30 or more days past due or in nonaccrual, and it includes FHA and VA loans.
FHA Delinquency Rate, 2019–Present (%)
Source: MBA National Delinquency Survey. Quarterly.
What Does the Starts-to-Repossessions Ratio Show?
ATTOM publishes two monthly counts: properties where lenders started foreclosure, and properties lenders repossessed. In August 2026, ATTOM counted 4.47 properties with foreclosure starts for every property repossessed that month. We compute that ratio from ATTOM's two counts. It compares two flows in the same month; it doesn't measure how many properties are still in process, whether that stock is growing or shrinking, or how many started foreclosures end in repossession. Separately, ATTOM reported that properties foreclosed in Q3 2025 had been in the foreclosure process for an average of 608 days.
How Do Foreclosure Indicators Compare?
These measurements come from different sources and count different things. The Federal Reserve Board's bank-booked delinquency rate covers single-family mortgages that commercial banks hold. The MBA's FHA rate covers FHA-insured loans in its servicer survey. ATTOM's figures count properties with foreclosure documents. Keep each one with its own definition.
| Indicator | Current | Period | Source |
|---|---|---|---|
| FHA delinquency (at least one payment behind) | 11.79% | Q2 2026 | MBA NDS |
| Single-family mortgage delinquency (commercial banks) | 1.9% | Q2 2026 | Federal Reserve Board (FRED DRSFRMACBS) |
| Properties with foreclosure filings (change from a year earlier) | +15% | Q2 2026 | ATTOM Data Solutions |
| Foreclosure starts per property repossessed (same month) | 4.47:1 | August 2026 | ATTOM counts; ratio by American Default |
FHA delinquency (MBA) counts FHA loans at least one payment behind, not counting loans already in foreclosure. Single-family bank-booked delinquency (Federal Reserve Board) tracks loans commercial banks hold on their own balance sheets. That is a holder, not a credit tier. ATTOM's filings figure counts properties with a default notice, auction notice or bank repossession entered in the quarter, compared with the same quarter a year earlier.
See also: Mortgage Delinquency and Housing Affordability Statistics.
FHA Delinquency: Recent Quarterly Data
| Quarter | FHA Delinquency Rate |
|---|---|
| Q3 2024 | 10.46% |
| Q4 2024 | 11.03% |
| Q1 2025 | 10.62% |
| Q2 2025 | 10.57% |
| Q3 2025 | 10.78% |
| Q4 2025 | 11.52% |
| Q1 2026 | 11.88% |
| Q2 2026 | 11.79% |
Source: Mortgage Bankers Association National Delinquency Survey. The national FHA rate is seasonally adjusted and counts FHA loans at least one payment past due at quarter end.
Frequently Asked Questions
What do the latest U.S. foreclosure numbers show?
The number of properties with a foreclosure filing was up 15% from a year earlier in Q2 2026, according to ATTOM Data Solutions. That is a change in a count, not a foreclosure rate. The Board of Governors of the Federal Reserve System's single-family mortgage delinquency rate for commercial banks was 1.9% in Q2 2026, the same as in Q1 2026. FHA delinquency was 11.79% in Q2 2026 according to the MBA, little changed from 11.88% in Q1 2026.
How does FHA delinquency compare to bank-booked single-family mortgage delinquency?
FHA delinquency was 11.79% in MBA's survey, and the Fed bank-booked single-family mortgage rate was 1.9%. The two are not like-for-like: MBA's rate counts FHA loans at least one payment behind, while the Fed's is the share of loan dollars on commercial banks' books 30 or more days past due or in nonaccrual, and it includes FHA and VA loans. FHA loans allow smaller down payments (as low as 3.5%).
Is current foreclosure activity comparable to the 2008 financial crisis?
The series on this page can't answer that directly. ATTOM's figures stored here start in 2021, and the Federal Reserve Board's bank-booked mortgage series changed accounting rules in 2010, so its comparisons start there. At 1.9% in Q2 2026, the bank-booked rate is the 15th-lowest of the 66 quarters since 2010.
Where does foreclosure data come from?
The three sources are: ATTOM Data Solutions (properties with foreclosure filings, and monthly counts of foreclosure starts and repossessions, from documents collected in more than 3,000 counties); Mortgage Bankers Association National Delinquency Survey (delinquency rates by loan type, including FHA); and the Board of Governors of the Federal Reserve System (single-family mortgage delinquency rate, series DRSFRMACBS, retrieved via FRED).
Data Sources and Methodology
ATTOM Data Solutions
Properties with at least one foreclosure filing (default notices, auction notices, bank repossessions) entered in ATTOM's data during the quarter. The indicator stores ATTOM's change from the same quarter a year earlier, as a whole percent. The starts-to-repossessions ratio divides ATTOM's monthly count of foreclosure starts by its count of repossessions for the same month.
MBA National Delinquency Survey
Voluntary quarterly survey of first-lien mortgage servicers. Reports delinquency rates (30+, 60+, 90+ days) broken out by loan type (conventional, FHA, VA). The national FHA rate is seasonally adjusted.
Federal Reserve Board (FRED DRSFRMACBS)
Delinquency rate on single-family residential mortgages booked in domestic offices of commercial banks, seasonally adjusted. Reported quarterly by the Board of Governors. Delinquent loans are those 30 days or more past due, plus loans in nonaccrual status — not a 90-day threshold. Comparisons start in 2010, when accounting rules (FAS 166 and 167) changed which loans banks carry on their books.