By forex calendar in Mortgage Delinquencies —

USD Mortgage Delinquencies, Nov 13, 2025

The financial world constantly seeks reliable indicators to gauge economic health. For those observing the United States dollar (USD) and its intricate relationship with the housing market, a crucial data point has just been released: Mortgage Delinquencies. On November 13, 2025, the latest figures from the Mortgage Bankers Association (MBA) shed light on the percentage of MBA-represented mortgages that were at least one payment late during the previous quarter. Understanding this data, its implications, and its historical context is paramount for traders and economic observers alike.

The Latest Snapshot: Mortgage Delinquencies on November 13, 2025

The most recent report, released on November 13, 2025, indicates that the actual figure for Mortgage Delinquencies in the USD market remains a point of focus. While the specific actual percentage for this release is not provided in the data, the key takeaway is that it will be compared against forecasts and previous trends. The impact of this particular release is categorized as Low, suggesting that the market may not anticipate a significant immediate shock. However, this does not diminish the underlying importance of the metric. The previous reported delinquency rate stood at 3.93%, providing a benchmark against which the latest figures will be scrutinized.

Unpacking the Mortgage Delinquencies Metric

The Mortgage Delinquencies report, compiled by the Mortgage Bankers Association (MBA), is a quarterly release. It measures the percentage of MBA-represented mortgages which were at least one payment late during the previous quarter. The MBA's reach is substantial, representing approximately 80% of all outstanding mortgages in the United States. This broad coverage makes their data a highly representative snapshot of the broader mortgage market's performance.

It's important to note that the release schedule for this data is not always rigidly fixed. The MBA does not adhere to a perfectly predictable calendar, often leading to the event being listed with a date range or marked as 'Tentative' until the data is officially published. However, the general frequency is quarterly, with releases occurring about 40 days after the quarter ends. This means that the data released on November 13, 2025, would pertain to the delinquency rates during the third quarter of 2025. The next anticipated release is scheduled for February 12, 2026, which will cover the fourth quarter of 2025.

Why Traders Care: A Lagging Indicator with Significant Implications

While Mortgage Delinquencies are generally viewed as a lagging indicator – meaning they reflect past events rather than predicting immediate future movements – their importance to traders and economists cannot be overstated. The core reason for this interest lies in their strong correlation with home inventories.

When mortgage delinquencies rise, it often signifies that a greater number of homeowners are struggling to meet their mortgage obligations. This can lead to increased foreclosures and a subsequent rise in the number of homes available on the market. Conversely, when delinquency rates are low, it generally points to a healthier housing market with fewer distressed properties.

This dynamic directly impacts homebuilders. A scenario with lower inventories due to fewer delinquencies and foreclosures can act as a powerful incentive for homebuilders to start new construction. Increased building activity translates into job creation, greater economic output, and potentially a boost in related industries. Therefore, even a seemingly straightforward metric like mortgage delinquency rates provides a crucial signal about the underlying demand and supply dynamics within the vital housing sector.

The Usual Effect and its Significance for the USD

The "usual effect" of this report is a key consideration for currency traders. It's generally understood that when the 'Actual' delinquency rate is less than the 'Forecast', it is considered good for the currency. This is because a lower delinquency rate suggests a more stable and robust housing market, which in turn bolsters confidence in the overall U.S. economy. A stronger economy often translates into a stronger currency, making the USD more attractive to investors.

Therefore, traders will meticulously compare the actual delinquency rate released on November 13, 2025, against any pre-release forecasts. A reading that comes in below expectations would likely be interpreted positively for the USD, potentially leading to an appreciation in its value. Conversely, a higher-than-expected delinquency rate could signal underlying economic stress and put downward pressure on the dollar.

Looking Ahead: The Road to February 2026

The data released on November 13, 2025, offers a valuable glimpse into the health of the U.S. housing market during the third quarter of 2025. As we move towards the next release on February 12, 2026, market participants will be closely watching for any shifts in trends. The interplay between actual figures, forecasts, and historical data will continue to shape perceptions of the U.S. economy and influence trading decisions related to the USD. By understanding the nuances of the Mortgage Delinquencies report, investors can gain a more informed perspective on the forces driving one of the world's most significant economies.