Mortgage delinquency and foreclosure data can provide important information about the health of the housing and lending markets.
A delinquent mortgage is generally one where required payments have not been made on time, while foreclosure is a legal process that may occur when a borrower fails to resolve a serious default.
These situations can have significant financial consequences for homeowners, so understanding the difference between a missed payment, delinquency, default, and foreclosure is important.
Our article What Happens If You Miss a Mortgage Payment explains some of the issues homeowners may face after missing a required payment, while Mortgage Basics to Know Before Talking With a Lender provides broader background on how mortgage obligations work.
Market-level delinquency and foreclosure statistics should be interpreted carefully because national or regional figures do not describe every homeowner’s situation.
Borrowers experiencing payment difficulties should review their loan documents and contact their mortgage servicer promptly to understand the options and requirements that may apply to their individual circumstances.
R Singha, MortgageRatesCheckerMortgage Rates by Year
Mortgage rates have changed significantly over the years, affecting how much homebuyers pay each month and how affordable a home can feel. The chart above lets you quickly compare average mortgage rates from 2010 through 2025 and see how borrowing costs moved over time. Rates fell to historic lows around 2020 and 2021 before rising sharply in the following years. Looking at these yearly averages can help put today’s mortgage rates into perspective and give you a better understanding of how changing interest rates can affect home-buying and refinancing decisions.
Don’t Miss These
Quick Links
Mortgage Quick Tools
About Us
We’re MortgageRatesChecker, a trusted mortgage information resource focused on helping consumers navigate home buying, refinancing, mortgage rates, and loan options with confidence. We simplify complex mortgage topics through expert-written guides, calculators, and educational content designed to support informed financial decisions. Explore our mortgage calculators, guides, and resources.
Disclaimer
MortgageRatesChecker provides educational mortgage calculators, loan tools, and financial guides designed to help you better understand home financing. Our content is researched, fact-checked, and regularly updated in accordance with our Editorial Policy, using trusted information from our Data Sources and transparent methodologies explained in How We Calculate. Learn more about our commitment to accuracy on Why Trust Us. This content is provided for informational purposes only and should not be considered financial, legal, tax, investment, or mortgage advice. Mortgage rates, lending requirements, loan programs, and regulations may change without notice. Before making any borrowing, refinancing, or home-buying decision, consult your Bank or Mortgage Lender, licensed financial advisor, tax professional, or attorney based on your individual circumstances. MortgageRatesChecker is an independent educational resource and is not a lender, mortgage broker, financial advisor, or government agency. Please review our Affiliate Disclosure, Advertiser Disclosure, Disclaimer, and Terms & Conditions for additional information.
More Mortgage Resources
September 22, 2026
September 22, 2026
September 22, 2026
September 22, 2026
September 22, 2026
September 22, 2026
