|  
        Table 
        18. Mortgage Delinquencies and Foreclosures Started: 1986Present* 
         
      
         
           
            Period | 
           
            Delinquency Rates  | 
           
            Foreclosures Started  | 
         
         
          |  
            Total Past Due  | 
           
            90 Days Past Due  | 
         
         All  | 
         Conv.  | 
         FHA  | 
         VA  | 
         All  | 
         Conv.  | 
         FHA  | 
         VA  | 
         All  | 
         Conv.  | 
         FHA  | 
         VA  | 
        
         
          | Annual 
            Averages | 
         
         
          | 1986 | 
          5.56  | 
          3.80  | 
          7.16  | 
          6.58  | 
          1.01  | 
          0.67  | 
          1.29  | 
          1.24  | 
          0.26  | 
          0.19  | 
          0.32  | 
          0.30  | 
         
         
          | 1987 | 
          4.97  | 
          3.15  | 
          6.56  | 
          6.21  | 
          0.93  | 
          0.61  | 
          1.19  | 
          1.17  | 
          0.26  | 
          0.18  | 
          0.34  | 
          0.32  | 
         
         
          | 1988 | 
          4.79  | 
          2.94  | 
          6.56  | 
          6.22  | 
          0.85  | 
          0.54  | 
          1.14  | 
          1.14  | 
          0.27  | 
          0.17  | 
          0.37  | 
          0.32  | 
         
         
          | 1989 | 
          4.81  | 
          3.03  | 
          6.74  | 
          6.45  | 
          0.79  | 
          0.50  | 
          1.09  | 
          1.09  | 
          0.29  | 
          0.18  | 
          0.41  | 
          0.37  | 
         
         
          | 1990 | 
          4.66  | 
          2.99  | 
          6.68  | 
          6.35  | 
          0.71  | 
          0.39  | 
          1.10  | 
          1.04  | 
          0.31  | 
          0.21  | 
          0.43  | 
          0.40  | 
         
         
          | 1991 | 
          5.03  | 
          3.26  | 
          7.31  | 
          6.77  | 
          0.80  | 
          0.46  | 
          1.25  | 
          1.11  | 
          0.34  | 
          0.27  | 
          0.43  | 
          0.42  | 
         
         
          | 1992 | 
          4.57  | 
          2.95  | 
          7.57  | 
          6.46  | 
          0.81  | 
          0.47  | 
          1.35  | 
          1.15  | 
          0.33  | 
          0.26  | 
          0.45  | 
          0.40  | 
         
         
          | 1993 | 
          4.22  | 
          2.66  | 
          7.14  | 
          6.30  | 
          0.77  | 
          0.45  | 
          1.40  | 
          1.16  | 
          0.32  | 
          0.24  | 
          0.48  | 
          0.42  | 
         
         
          | 1994 | 
          4.10  | 
          2.60  | 
          7.26  | 
          6.26  | 
          0.76  | 
          0.45  | 
          1.44  | 
          1.19  | 
          0.33  | 
          0.23  | 
          0.56  | 
          0.48  | 
         
         
          | 1995 | 
          4.24  | 
          2.77  | 
          7.55  | 
          6.44  | 
          0.74  | 
          0.43  | 
          1.46  | 
          1.17  | 
          0.33  | 
          0.23  | 
          0.53  | 
          0.50  | 
         
         
          | 1996 | 
          4.33  | 
          2.78  | 
          8.05  | 
          6.75  | 
          0.63  | 
          0.32  | 
          1.40  | 
          1.10  | 
          0.34  | 
          0.25  | 
          0.58  | 
          0.46  | 
         
         
          | 1997 | 
          4.31  | 
          2.82  | 
          8.13  | 
          6.94  | 
          0.58  | 
          0.32  | 
          1.22  | 
          1.15  | 
          0.36  | 
          0.26  | 
          0.62  | 
          0.51  | 
         
         
          | 1998 | 
          3.97  | 
          2.53  | 
          8.57  | 
          7.55  | 
          0.58  | 
          0.27  | 
          1.50  | 
          1.23  | 
          0.30  | 
          0.17  | 
          0.45  | 
          0.33  | 
         
         
          | 1999 | 
           
             3.97  
           | 
           
             2.53  
           | 
           
             8.57  
           | 
           
             7.55  
           | 
           
             0.58  
           | 
           
             0.27  
           | 
           
             1.50  
           | 
           
             1.23  
           | 
           
             0.30  
           | 
           
             0.22  
           | 
           
             0.59  
           | 
           
             0.44  
           | 
         
         
          | 2000 | 
           
             4.02  
           | 
           
             2.54  
           | 
           
             9.07  
           | 
           
             6.84  
           | 
           
             0.56  
           | 
           
             0.25  
           | 
           
             1.61  
           | 
           
             1.22  
           | 
           
             0.29  
           | 
           
             0.22  
           | 
           
             0.56  
           | 
           
             0.38  
           | 
         
         
          | Quarterly 
            Data (Seasonally Adjusted) | 
         
         
          | 2000 | 
            | 
         
         
          | 4th Quarter | 
          4.50 
             | 
          2.84 
             | 
          10.16 
             | 
          7.48 
             | 
          0.61 
             | 
          0.26 
             | 
          1.81 
             | 
          1.29 
             | 
          0.30 
             | 
          0.22 
             | 
          0.56 
             | 
          0.34 
             | 
         
         
          |    
              | 
         
         
          | 2001 | 
            | 
         
         
          | 1st Quarter | 
          4.37 
             | 
          2.77 
             | 
          9.99 
             | 
          7.23 
             | 
          0.65 
             | 
          0.28 
             | 
          1.94 
             | 
          1.36 
             | 
          0.31 
             | 
          0.24 
             | 
          0.59 
             | 
          0.37 
             | 
         
         
          | 2nd Quarter | 
          4.63 
             | 
          2.93 
             | 
          10.79 
             | 
          7.63 
             | 
          0.69 
             | 
          0.30 
             | 
          2.07 
             | 
          1.46 
             | 
          0.36 
             | 
          0.27 
             | 
          0.71 
             | 
          0.44 
             | 
         
         
          | 3rd Quarter | 
          4.87 
             | 
          3.13 
             | 
          11.36 
             | 
          8.11 
             | 
          0.73 
             | 
          0.32 
             | 
          2.21 
             | 
          1.52 
             | 
          0.38 
             | 
          0.28 
             | 
          0.76 
             | 
          0.47 
             | 
         
         
          | 4th Quarter | 
          4.65 
             | 
          3.00 
             | 
          10.97 
             | 
          7.70 
             | 
          0.73 
             | 
          0.33 
             | 
          2.24 
             | 
          1.54 
             | 
          0.36 
             | 
          0.27 
             | 
          0.77 
             | 
          0.42 
             | 
         
       
      *All 
        data are seasonally adjusted. 
         
        Source: National Delinquency Survey, Mortgage Bankers Association 
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