Mortgage Staffing Solutions
Sources: 12
Early payment delinquency context for mortgage teams
The Federal Reserve reported that the early payment delinquency rate in the second quarter of 2024 remained somewhat above the median of its historical distribution.
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Mortgage statistics with the source still attached.
Each brief leads with a citable number, explains the denominator, and links the underlying public evidence.
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Mortgage risk
Sources: 12
Mortgage debt share of household debt statistics
The Federal Reserve reported that mortgage debt accounted for roughly three fourths of total household debt in its spring 2025 review.
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Mortgage applications
Sources: 12
Mortgage application volume change statistics
Reported HMDA applications fell from 14.3 million in 2022 to about 10 million in 2023.
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Sources: 12
Mortgage application statistics for 2026
HMDA reporters recorded about 10 million mortgage applications in 2023.
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Mortgage origination statistics for 2026
HMDA reporters recorded about 5.7 million mortgage originations in 2023.
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Mortgage origination volume change statistics
Reported HMDA originations fell from 8.4 million in 2022 to 5.7 million in 2023.
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HMDA reporting institution statistics for 2026
A total of 5,113 financial institutions reported 2023 HMDA data.
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Mortgage reporting
Sources: 12
HMDA filer statistics for 2026
The 2024 modified HMDA dataset was published for approximately 4,898 filers.
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Sources: 12
National Mortgage Database sample statistics
The National Mortgage Database is a nationally representative 5 percent sample of residential mortgages in the United States.
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Sources: 12
Enterprise mortgage data coverage statistics
FHFA's public use mortgage data includes annual single family acquisition files and borrower, property, and loan characteristics.
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Housing finance
Sources: 12
Home equity loan statistics for 2026
The 2024 American Community Survey estimated 1,382,656 owner occupied units with a home equity loan and no primary mortgage.
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Sources: 12
Mortgage free home statistics for 2026
The 2024 American Community Survey estimated 34,937,533 owner occupied housing units without a mortgage.
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Sources: 12
Mortgage free homeownership share statistics
Census analysis found that 39.4 percent of owner occupied homes were owned free and clear in the 2020 to 2024 period.
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Sources: 12
Multiple mortgage statistics for 2026
The 2024 American Community Survey estimated 5,553,128 owner occupied housing units with multiple mortgages.
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Sources: 12
Homes with a mortgage statistics for 2026
The 2024 American Community Survey estimated 51,697,973 owner occupied housing units with a mortgage or similar debt.
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Homeownership
Sources: 12
Homeownership rate by income statistics
Households at or above median family income had a 78.1 percent homeownership rate in the fourth quarter of 2024.
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Sources: 12
Homeownership below median income statistics
Households below median family income had a 53.3 percent homeownership rate in the fourth quarter of 2024.
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Homeownership rate statistics for 2026
The U.S. homeownership rate was 65.7 percent in the fourth quarter of 2024.
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Homes owned free and clear statistics
Census reported about 35 million homes owned free and clear in 2024.
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Sources: 12
Mortgage free ownership trend statistics
The mortgage free share rose from 34.4 percent in the 2010 to 2014 period to 39.4 percent in the 2020 to 2024 period.
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