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Data · Mortgage delinquency

Mortgage delinquency by county and state

Where homeowners are falling behind on their mortgages: the share of mortgages 90 or more days late and 30 to 89 days late in every state and in each county the CFPB publishes, month by month since 2008. The figures are the CFPB's own, kept exactly as published.

County figures exist only where the CFPB's sample holds at least 1,000 mortgages.

Checked October 30, 2026 · CC BY 4.0 · Not legal advice

What is in this dataset?

The share of mortgages 90 or more days delinquent and 30 to 89 days delinquent, from the Consumer Financial Protection Bureau's Mortgage Performance Trends, for the nation, every state and DC and each county the CFPB publishes (counties with at least 1,000 mortgages in its sample): the latest month, the same month a year earlier, the change in percentage points, the highest and lowest 90-day share since January 2008 and each year's December values. Percents only, as the CFPB publishes them.

Use it to see where homeowners are falling behind on their mortgages, the stage before foreclosure: which states and counties have the highest share of mortgages 90 or more days late, whether it is rising, and how today compares with the 2010 peak, as context for foreclosure-defense, consumer-bankruptcy and real-estate work. Agents can look up a state and its counties, compare states, or search by county name or FIPS code.

Records
559
Look up by
52
state
Primary-source records
559

The letters are explained in what P, S, D and U mean.

Where does the data come from?

The CFPB publishes, a few times a year, monthly shares of mortgages 30 to 89 and 90 or more days delinquent since January 2008, from a nationally representative 5 percent sample of closed-end, first-lien, 1-4 family residential mortgages (the National Mortgage Database), for states and for every county with at least 1,000 sample mortgages. The newest file set is read in full and kept as published. A gate checks that single-county metro areas in the CFPB's separate metro file carry the same values as their county, that the national row is the same in every file, re-downloads the files and re-reads 50 random records.

Period covered
January 2008 to December 2025
Places
The whole US, all 50 states and DC and counties
How often we refresh it
Every quarter
Records read
October 30, 2026

Official sources

The sources the records cite most

What does a record look like?

The full records add the dates, the quoted source text and every field in the CSV and JSON files below.

What each of the 24 main columns means
jurisdiction
Two-letter state code (50 states and DC), or US
level
us, state or county
area
US, the 2-digit state FIPS code or the 5-digit county FIPS code
areaName
County and state, state name, or United States
stateName
State name (United States on the national record)
month
The latest month in the CFPB's files (YYYY-MM)
status
P: the CFPB's own published figure
value
Percent of mortgages 90 or more days delinquent in the latest month (the same as pct_90plus)
pct_90plus
Percent of mortgages 90 or more days delinquent, latest month
pct_90plus_year_ago
The same, twelve months earlier
change_90plus_pts
Change over the twelve months, in percentage points
pct_30_89
Percent of mortgages 30 to 89 days delinquent, latest month
pct_30_89_year_ago
The same, twelve months earlier
change_30_89_pts
Change over the twelve months, in percentage points
peak_90plus
Highest monthly 90-day share since January 2008
peak_90plus_month
First month the highest share was reached
low_90plus
Lowest monthly 90-day share since January 2008
low_90plus_month
First month the lowest share was reached
months_published
Months with a published value since January 2008
years
Per year: the 30-89 day share, the 90-day share and the month they are for (December, or the latest month of the current year), order in yearFields
peak_90plus_last_month
Last month at the highest share (the same as peak_90plus_month when it held one month)
peak_90plus_months
How many months the share stood at its highest value
low_90plus_last_month
Last month at the lowest share
low_90plus_months
How many months the share stood at its lowest value

How do I use it in my own tools?

mortgagedlq_lookup
For one two-letter state code (or US): the share of mortgages 90+ and 30-89 days delinquent in the latest month, a year earlier, the 2008-2025 high and low and each December since 2008, for the state and every county the CFPB publishes in it.
mortgagedlq_compare
The records of up to 10 states (or US) side by side: 90-day and 30-89 day delinquency shares, the year-earlier change and the high since 2008.
mortgagedlq_search
Records whose text matches the words given, such as a county name ("Cook County"), a county FIPS code ("17031") or a state name.

How to cite this dataset

You can reuse, adapt and republish this data, including commercially, under the Creative Commons Attribution 4.0 license (CC BY 4.0). The only condition is that you credit Probative and link to the source.

Version
1.0.0, released October 31, 2026
Every version
10.5281/zenodo.23845904 (always points to the newest)
License
CC BY 4.0

Download the data

Free, no email or login. The files are hosted on this site and Zenodo, a public research archive.

Suggested citation

Probative. (2026). Mortgage delinquency by county and state (CFPB Mortgage Performance Trends), monthly from 2008 (Version 1.0.0) [Data set]. Zenodo. https://doi.org/10.5281/zenodo.23845905

Credit line for a chart, table or article

Source: Probative, Mortgage delinquency by county and state (CFPB Mortgage Performance Trends), monthly from 2008, version 1.0.0, https://doi.org/10.5281/zenodo.23845905, licensed CC BY 4.0.

Add to a reference manager (Zotero, Mendeley, EndNote)

Not legal advice. These are shares of mortgages in the CFPB's sample that were behind on payments, not counts of foreclosure filings or of people. A delinquent mortgage may be cured, modified or paid off. County figures exist only where the CFPB's sample holds at least 1,000 mortgages.

What changed recently?

  • 2026-10-30 · CFPB shares of mortgages 90 or more and 30 to 89 days delinquent for the nation, every state and DC and 507 counties, monthly from January 2008 to December 2025: in December 2025, 0.9% of U.S. mortgages were 90 or more days delinquent, against a high of 4.9% in January 2010 and February 2010. (source)

The full log is in changes.json.

What are the limits?

  • These are shares of mortgages in the CFPB's sample, not counts of foreclosure filings: a delinquent mortgage may be cured, modified or paid off.
  • The CFPB builds the figures from a nationally representative 5 percent sample of closed-end, first-lien mortgages on 1-4 family homes.
  • Counties appear only where the CFPB's sample holds at least 1,000 mortgages, which is mostly the larger counties.
  • Each new CFPB release revises the whole series, so the figures here replace those of the previous release.
  • Records older than 200 days since their last check are marked stale in the files until we re-check them. Every confirmed error we fix is listed in the data corrections log.

Found a wrong value? Report an error with the record id and the source that shows the right value.

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