How to Calculate a Roll Rate for Mortgages

With home foreclosures soaring, being able to calculate foreclosure stats is more relevant now than ever before. According to, the roll rate for mortgages is a mortgage payment statistic that is used with home foreclosures. You need only a couple of stats to calculate the roll rate and determine where the housing and mortgage market is in terms of foreclosures.

Tally or add up the total number of mortgage loans that are at least 30 days past due in one quarter. This means that customers have missed their payment or are late with their payment for at least 30 days.

Add up the number of mortgages that went from being 30 days late to being in foreclosure 90 days later. This means that the borrowers continued to miss their payments and the homes were foreclosed on.

Divide the total number of foreclosures by the original number of mortgages that were at least 30 days late. The number you get will be a decimal, by moving the decimal two places to the right you will get a percentage, which is the roll rate. For example, if 4,000 homes were originally 30 days late and 1,000 went into foreclosure 90 days later, the roll rate would be 25 percent.