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Sunday, September 27, 2026
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Research cutoff: Official sources reviewed September 27, 2026. Stories show source dates; deep dives show publication dates and link to dated evidence.
Credit & fraudRegulatory dataReleased Sep 23, 2026 · Q2 data
Mortgage performance improves, while foreclosure starts also rise
The OCC’s second-quarter report found 97.7% of covered first-lien mortgages current and performing, versus 97.5% a year earlier. Servicers initiated 7,904 foreclosures, up both sequentially and year over year.
Why it matters
Analysis
Analysis: a stock measure and an activity flow can move in opposite directions. Examine transitions, cures, modifications and the timing of foreclosure actions before assigning one direction to household credit. A better aggregate performing share can coexist with concentrated distress.
What remains uncertain
The report covers performance through June 30, not September. Its roughly 10.1 million loans represent about 18.8% of U.S. residential mortgage debt; it is not a census of all mortgages or unsecured borrowers.