ONE-in-three mortgage holders who are in arrears are two years or more behind in their payments.
And the total number of homeowners in arrears has quadrupled since 2009 to close to 100,000, according to a Central Bank research paper.
The research is set to focus the attention of new Central Bank regulator Cyril Roux, who took the role of Financial Regulator yesterday.
The figures show a slow-down in new cases of residential arrears, but a rise in the number of those who are a year or more behind on their monthly payments.
People who are one and two years in arrears risk losing their homes if banks do not restructure their mortgages.
The study by economist Jean Goggin found that some of the long-term solutions being offered by banks were not working to solve the crisis.
Half of those who have had their arrears added to the overall mortgage end up back in arrears after a while, the analysis shows. And two out of three of those given a permanent interest rate reduction also end up re-defaulting.
Lenders have started to offer more long-term arrangements for those in arrears, but up to recently the majority were offered either reduced payments or told they could pay interest only for a period.
The report found that six out of 10 of those in arrears on their domestic mortgage are a year or more behind on the repayments. Around a third of all residential arrears cases are two years or more behind on repayments.
"While the trends in all of the shorter-term arrears categories are encouraging, the reverse is true for longer-term arrears," Ms Goggin said.