Mortgage Delinquency Rate: Canada, Provinces and CMAs

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These data tables give you an overview of mortgage delinquency rates for your research. You’ll find delinquency rates for mortgages in Canada, the provinces and select Census Metropolitan Areas (CMAs). This data can enable you to determine a baseline for delinquency rates pre-Covid.

Note: Organized by region and fiscal quarter from 2012 to 2025.

Source: Equifax Canada

Author:: CMHC
Document Type:: Excel
Date Published:: July 9, 2025

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Note: In January 2023, we saw an unusual increase in the total outstanding mortgage balances for the third quarter of 2022 compared to previous quarters. We removed the Mortgage and Debt Data tables in question from our website in the same month to investigate.

We discovered differences in the way financial institutions are reporting their mortgage data to Equifax. This impacts the figures related to outstanding mortgages like the number of trades, number of consumers, HELOCs and installment loans.

Data tables from 2019 to 2022 have been revised. Data prior to Q1 2019 have not been revised.