Single Family Serious Delinquency Rates Unchanged in July

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by Calculated Risk on 8/28/2025 04:48:00 PM

Today, in the Calculated Risk Real Estate Newsletter: Fannie and Freddie: Single Family Serious Delinquency Rates Unchanged in July

Excerpt:

Freddie Mac reported that the Single-Family serious delinquency rate in July was 0.55%, unchanged from 0.55% June. Freddie’s rate is up year-over-year from 0.51% in July 2024, however, this is below the pre-pandemic level of 0.60%.

Freddie’s serious delinquency rate peaked in February 2010 at 4.20% following the housing bubble and peaked at 3.17% in August 2020 during the pandemic.

Fannie Mae reported that the Single-Family serious delinquency rate in July was 0.53%, unchanged from 0.53% in June. The serious delinquency rate is up year-over-year from 0.49% in July 2024, however, this is below the pre-pandemic lows of 0.65%

The Fannie Mae serious delinquency rate peaked in February 2010 at 5.59% following the housing bubble and peaked at 3.32% in August 2020 during the pandemic.