U.S. real estate loans delinquency rate at commercial banks 2024| Statista

The delinquency rate on real estate loans at commercial banks in the United States rose slightly between the fourth quarter of 2022 and the fourth quarter of 2024. Nevertheless, delinquencies remained below the 2020 levels, when the share of loans past due 30 days rose due to the COVID-19 pandemic. Recently, the gap between residential and commercial real estate loans has narrowed, with the delinquency rate for commercial real estate rising faster than for residential.

Delinquency rates of real estate loans at commercial banks in the United States from 1st quarter 2000 to 4th quarter 2024, by property type

Characteristic	Real estate (total)	Residential*	Commercial**
Q4 2024	1.67%	1.82%	1.55%
Q3 2024	1.58%	1.7%	1.49%
Q2 2024	1.53%	1.68%	1.4%
Q1 2024	1.47%	1.73%	1.25%
Q4 2023	1.44%	1.78%	1.15%
Q3 2023	1.35%	1.7%	1.03%
Q2 2023	1.24%	1.68%	0.84%
Q1 2023	1.25%	1.74%	0.81%
Q4 2022	1.24%	1.85%	0.68%
Q3 2022	1.19%	1.8%	0.62%
Q2 2022	1.29%	1.9%	0.71%
Q1 2022	1.43%	2.12%	0.78%
Q4 2021	1.52%	2.32%	0.77%
Q3 2021	1.56%	2.3%	0.85%
Q2 2021	1.65%	2.41%	0.92%
Q1 2021	1.84%	2.65%	1.04%
Q4 2020	1.99%	2.85%	1.14%
Q3 2020	1.92%	2.84%	0.98%
Q2 2020	1.71%	2.47%	0.91%
Q1 2020	1.65%	2.37%	0.86%
Q4 2019	1.55%	2.38%	0.66%
Q3 2019	1.58%	2.42%	0.68%
Q2 2019	1.64%	2.53%	0.66%
Q1 2019	1.76%	2.7%	0.72%
Q4 2018	1.84%	2.9%	0.7%
Q3 2018	1.91%	3.02%	0.69%
Q2 2018	1.97%	3.14%	0.7%
Q1 2018	2.16%	3.42%	0.77%
Q4 2017	2.3%	3.73%	0.74%
Q3 2017	2.26%	3.62%	0.76%
Q2 2017	2.24%	3.6%	0.75%
Q1 2017	2.43%	3.9%	0.81%
Q4 2016	2.64%	4.25%	0.84%
Q3 2016	2.68%	4.28%	0.86%
Q2 2016	2.81%	4.49%	0.9%
Q1 2016	3.05%	4.83%	1%
Q4 2015	3.31%	5.27%	1.05%
Q3 2015	3.45%	5.43%	1.15%
Q2 2015	3.68%	5.71%	1.25%
Q1 2015	4.02%	6.15%	1.45%
Q4 2014	4.38%	6.71%	1.55%
Q3 2014	4.64%	6.95%	1.76%
Q2 2014	4.92%	7.32%	1.91%
Q1 2014	5.38%	7.82%	2.27%
Q4 2013	5.78%	8.36%	2.44%
Q3 2013	6.1%	8.6%	2.8%
Q2 2013	6.65%	9.18%	3.22%
Q1 2013	7.23%	9.72%	3.77%
Q4 2012	7.63%	10.18%	4.09%
Q3 2012	8.08%	10.62%	4.59%
Q2 2012	7.99%	10.26%	4.92%
Q1 2012	8.35%	10.4%	5.65%
Q4 2011	8.58%	10.52%	6.05%
Q3 2011	8.65%	10.28%	6.61%
Q2 2011	8.78%	10.29%	6.97%
Q1 2011	9.24%	10.51%	7.83%
Q4 2010	9.26%	10.5%	7.88%
Q3 2010	9.59%	10.67%	8.48%
Q2 2010	9.68%	10.72%	8.61%
Q1 2010	10.23%	11.36%	9.13%
Q4 2009	9.8%	10.97%	8.67%
Q3 2009	8.82%	9.49%	8.33%
Q2 2009	7.86%	8.21%	7.67%
Q1 2009	7.35%	7.88%	6.93%
Q4 2008	6.23%	7.05%	5.47%
Q3 2008	4.78%	5.16%	4.51%
Q2 2008	4.02%	4.15%	4.03%
Q1 2008	3.63%	3.67%	3.72%
Q4 2007	3.02%	3.3%	2.75%
Q3 2007	2.35%	2.73%	1.92%
Q2 2007	1.91%	2.17%	1.57%
Q1 2007	1.81%	2.01%	1.53%
Q4 2006	1.78%	2.11%	1.32%
Q3 2006	1.46%	1.72%	1.1%
Q2 2006	1.31%	1.53%	0.98%
Q1 2006	1.38%	1.57%	1.09%
Q4 2005	1.47%	1.78%	1.02%
Q3 2005	1.36%	1.54%	1.05%
Q2 2005	1.31%	1.47%	1.01%
Q1 2005	1.35%	1.4%	1.19%
Q4 2004	1.36%	1.51%	1.09%
Q3 2004	1.41%	1.55%	1.17%
Q2 2004	1.42%	1.52%	1.21%
Q1 2004	1.55%	1.63%	1.33%
Q4 2003	1.74%	1.93%	1.38%
Q3 2003	1.64%	1.68%	1.47%
Q2 2003	1.73%	1.74%	1.56%
Q1 2003	1.94%	1.96%	1.77%
Q4 2002	1.95%	2.13%	1.59%
Q3 2002	1.94%	2.05%	1.67%
Q2 2002	1.96%	2.06%	1.7%
Q1 2002	2.13%	2.21%	1.89%
Q4 2001	2.26%	2.41%	1.91%
Q3 2001	2.13%	2.19%	1.9%
Q2 2001	2.08%	2.3%	1.67%
Q1 2001	2.08%	2.28%	1.69%
Q4 2000	2.05%	2.42%	1.5%
Q3 2000	1.84%	2.07%	1.44%
Q2 2000	1.73%	1.89%	1.39%
Q1 2000	1.86%	1.95%	1.6%

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Release date

February 2025

More information

Region

United States

Survey time period

Q1 2000 to Q4 2024

Supplementary notes

* Residential real estate loans include loans secured by one- to four-family properties, including home equity lines of credit, booked in domestic offices only.
** Commercial real estate loans include construction and land development loans, loans secured by multifamily residences, and loans secured by nonfarm, nonresidential real estate, booked in domestic offices, only.
Quarterly figures, not seasonally adjusted.
Delinquent loans are those past due 30 days or more and still accruing interests as well as those in nonaccrual status. They are measured as percentages of end-of-period loans.

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