Census metropolitan areas and agglomerations (CMAs)
Supplementary notes
* Data from Q1 2019 onwards has been revised.
The source adds the following information:Â "ERS ranges often used are: - Poor (less than 599); - Fair (600-659); - Good (660-719); - Very Good (720-779); - Excellent (more than 780)"
Citation formats
Poor or fair credit score of mortgage borrowers in Canada 2012-2025, per quarter
To determine the creditworthiness of a borrower, financial institutions often use credit scores. Credit scores are based on the credit report of the individual; the higher the score, the lower the risk that debtors fall into arrears. In Canada, a fair credit score is between *** and ***, whereas if it's below ***, it is considered poor. As of the fourth quarter of 2025, approximately *** percent of mortgage holders in Canada had a fair or poor credit score.
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Canada Mortgage and Housing Corporation. (March 25, 2026). Share of mortgage holders with poor or fair credit score in Canada from 3rd quarter 2012 to 4th quarter 2025 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved August 03, 2026, from /statistics/1203034/share-of-mortgage-holders-with-poor-and-fair-credit-score-canada/
Canada Mortgage and Housing Corporation. "Share of mortgage holders with poor or fair credit score in Canada from 3rd quarter 2012 to 4th quarter 2025." Chart. March 25, 2026. ÌÇÐÄÆƽâ°æ. Accessed August 03, 2026. /statistics/1203034/share-of-mortgage-holders-with-poor-and-fair-credit-score-canada/
Canada Mortgage and Housing Corporation. (2026). Share of mortgage holders with poor or fair credit score in Canada from 3rd quarter 2012 to 4th quarter 2025. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: August 03, 2026. /statistics/1203034/share-of-mortgage-holders-with-poor-and-fair-credit-score-canada/
Canada Mortgage and Housing Corporation. "Share of Mortgage Holders with Poor or Fair Credit Score in Canada from 3rd Quarter 2012 to 4th Quarter 2025." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 25 Mar 2026, /statistics/1203034/share-of-mortgage-holders-with-poor-and-fair-credit-score-canada/
Canada Mortgage and Housing Corporation, Share of mortgage holders with poor or fair credit score in Canada from 3rd quarter 2012 to 4th quarter 2025 ÌÇÐÄÆƽâ°æ, /statistics/1203034/share-of-mortgage-holders-with-poor-and-fair-credit-score-canada/ (last visited August 03, 2026)
Share of mortgage holders with poor or fair credit score in Canada from 3rd quarter 2012 to 4th quarter 2025 [Graph], Canada Mortgage and Housing Corporation, March 25, 2026. [Online]. Available: /statistics/1203034/share-of-mortgage-holders-with-poor-and-fair-credit-score-canada/
