OCC Reports Mortgage Performance for Fourth Quarter of 2025 — 2026-03-30

WASHINGTON—The Office of the Comptroller of the Currency (OCC) reported on the performance of first-lien mortgages in the federal banking system during the fourth quarter of 2025. The OCC Mortgage Metrics Report, Fourth Quarter 2025 showed that 97.5 percent of mortgages included in the report were current and performing at the end of the quarter, a slight increase from 97.4 percent in 2024. The percentage of seriously delinquent mortgages – mortgages that are 60 or more days past due and all mortgages held by bankrupt borrowers whose payments are 30 or more days past due – remained unchanged from the fourth quarter of 2024. Servicers initiated 7,519 new foreclosures in the fourth quarter of 2025 showing a decrease from the previous quarter and an increase from a year earlier. Servicers completed 5,888 modifications during the fourth quarter of 2025, a 39 percent decrease from the previous quarter’s 8,190 modifications.