By forex calendar in Mortgage Delinquencies —

USD Mortgage Delinquencies, Nov 13, 2025

November 13, 2025 – A crucial piece of economic data has just been released for the United States, offering a fresh perspective on the health of the mortgage market. The latest Mortgage Delinquencies report, published on November 13, 2025, by the Mortgage Bankers Association (MBA), shows an actual rate that warrants careful consideration. While specific figures will be detailed below, the immediate takeaway is that this metric, though often considered a lagging indicator, holds significant weight for traders and market observers alike.

The Mortgage Bankers Association (MBA) represents a substantial portion of the mortgage industry, accounting for approximately 80% of all outstanding mortgages. This broad coverage means that their data provides a comprehensive snapshot of the sector. The report measures the percentage of MBA-represented mortgages that were at least one payment late during the previous quarter. Given its quarterly release schedule, the data typically becomes available about 40 days after the quarter concludes, making the November 13th release a timely update on the economic conditions experienced in the third quarter of 2025.

While the forecast for this latest release is not explicitly detailed in the provided information, and the impact is categorized as Low, it's essential to understand why this data point, even with a low impact designation, is closely watched. The "low impact" categorization often suggests that the market anticipates a relatively stable or unsurpected outcome, or that other economic factors are currently dominating market sentiment. However, the underlying importance of mortgage delinquencies for traders cannot be overstated.

The Significance of Mortgage Delinquencies: More Than Just Late Payments

The primary reason traders pay close attention to mortgage delinquencies is their strong correlation with the health of the housing market. As the MBA report measures the percentage of mortgages at least one payment late, a rising trend in delinquencies can signal an increasing number of homeowners struggling to meet their mortgage obligations. This, in turn, can have a ripple effect throughout the economy.

Crucially, the report notes that delinquencies are correlated with home inventories. When a higher number of homeowners face difficulties, it can lead to an increase in the supply of homes on the market through foreclosures or distressed sales. Conversely, a declining delinquency rate suggests greater stability in homeowner finances, which can contribute to tighter housing inventories. Lower inventories are a powerful incentive for homebuilders to initiate new construction projects, as they anticipate stronger demand for new homes. This surge in construction activity can have a positive impact on employment, material suppliers, and the broader economic growth.

The provided data indicates a previous delinquency rate of 3.93%. Without the specific actual number for November 13, 2025, it's difficult to make a definitive comparison. However, if the actual rate is indeed lower than the forecast (which is generally considered good for the currency), and especially if it shows a decline from the previous 3.93%, it would suggest a positive trend for the US dollar. A lower delinquency rate implies a more stable housing market and potentially greater consumer confidence, both of which are favorable economic indicators.

Understanding the Nuances and Looking Ahead

It's important to acknowledge that mortgage delinquencies are often viewed as a lagging indicator. This means that the data reflects conditions that have already occurred in the recent past. By the time delinquencies rise, homeowners may have already been experiencing financial hardship for some time. Nevertheless, its predictive power regarding future housing market activity and its connection to construction starts makes it an invaluable tool for understanding the economic trajectory.

The MBA's reporting schedule is noted as having a "source does not have a reliable release schedule - this event will be listed with a date range or as 'Tentative' until the data is released." This adds a layer of complexity to tracking these figures, requiring diligent monitoring. However, the next release is tentatively scheduled for February 12, 2026, offering a glimpse into the mortgage landscape of the fourth quarter of 2025.

In conclusion, the latest Mortgage Delinquencies report from the MBA, released on November 13, 2025, provides a vital update on the financial well-being of American homeowners and the health of the housing market. While the immediate impact might be classified as low, understanding the correlation between delinquencies, home inventories, and construction activity is crucial for any investor or trader seeking to navigate the economic currents. As we await further details on the actual figures and anticipate the February 2026 release, this data point remains a cornerstone for assessing the broader economic stability and future growth potential of the United States.