--- title: "Mortgage delinquency by county (data) | Probative Growth" url: https://probativegrowth.com/data/mortgage-delinquency/ lang: en-US alternate: https://probativegrowth.com/es/datos/morosidad-hipotecaria/ source: the same page, converted from its HTML at build time --- 1. [Home](https://probativegrowth.com/) 2. [Data](https://probativegrowth.com/data/) 3. Mortgage delinquency 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? {#what-h} 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](https://probativegrowth.com/data/#status-codes). ## Where does the data come from? {#from-h} 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 - [Consumer Financial Protection Bureau, Mortgage Performance Trends](https://www.consumerfinance.gov/data-research/mortgage-performance-trends/download-the-data/), by bulk download. A work of the U.S. government (17 U.S.C. 105), published as public data files on consumerfinance.gov with no login or access restriction. ### The sources the records cite most - [Consumer Financial Protection Bureau, Mortgage Performance Trends: mortgages 30-89 and 90 or more days delinquent, January 2008 to December 2025](https://www.consumerfinance.gov/data-research/mortgage-performance-trends/download-the-data/): 559 records ## What does a record look like? {#sample-h} Florida, December 2025: 1.2% of mortgages were 90 or more days delinquent (0.6% a year earlier) and 2.4% were 30 to 89 days delinquent; the 90-day share was highest, 8.9%, in January 2010 (CFPB). Status P · checked October 30, 2026 · source: [Consumer Financial Protection Bureau, Mortgage Performance Trends: mortgages 30-89 and 90 or more days delinquent, January 2008 to December 2025](https://www.consumerfinance.gov/data-research/mortgage-performance-trends/download-the-data/) Illinois, December 2025: 1.1% of mortgages were 90 or more days delinquent (0.8% a year earlier) and 2.2% were 30 to 89 days delinquent; the 90-day share was highest, 5.1%, in January 2010 and February 2010 (CFPB). Status P · checked October 30, 2026 · source: [Consumer Financial Protection Bureau, Mortgage Performance Trends: mortgages 30-89 and 90 or more days delinquent, January 2008 to December 2025](https://www.consumerfinance.gov/data-research/mortgage-performance-trends/download-the-data/) United States, December 2025: 0.9% of mortgages were 90 or more days delinquent (0.7% a year earlier) and 2.1% were 30 to 89 days delinquent; the 90-day share was highest, 4.9%, in January 2010 and February 2010 (CFPB). Status P · checked October 30, 2026 · source: [Consumer Financial Protection Bureau, Mortgage Performance Trends: mortgages 30-89 and 90 or more days delinquent, January 2008 to December 2025](https://www.consumerfinance.gov/data-research/mortgage-performance-trends/download-the-data/) 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? {#api-h} Ask an AI assistant: add `https://probativegrowth.com/mcp/mortgage-delinquency` as an MCP connector (no sign-in), or the main server `https://probativegrowth.com/mcp` for every dataset. Setup for each app is on [the API and MCP page](https://probativegrowth.com/resources/rules-api/). **`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. Or read the static files, with no key and no usage cap: - [Index and endpoints](https://probativegrowth.com/data/v1/mortgage-delinquency/index.json) `/data/v1/mortgage-delinquency/index.json` - [One state (AK shown)](https://probativegrowth.com/data/v1/mortgage-delinquency/jurisdictions/AK.json) `/data/v1/mortgage-delinquency/jurisdictions/{jurisdiction}.json` - [Confirmed changes](https://probativegrowth.com/data/v1/mortgage-delinquency/changes.json) `/data/v1/mortgage-delinquency/changes.json` - [OpenAPI description](https://probativegrowth.com/data/v1/mortgage-delinquency/openapi.json) `/data/v1/mortgage-delinquency/openapi.json` - [API reference, every file](https://probativegrowth.com/resources/rules-api/reference/) `/resources/rules-api/reference/` ## How to cite this dataset {#cite-h} You can reuse, adapt and republish this data, including commercially, under the [Creative Commons Attribution 4.0 license (CC BY 4.0)](https://creativecommons.org/licenses/by/4.0/). The only condition is that you credit Probative and link to the source. **Version** 1.0.0, released October 31, 2026 **DOI** [10.5281/zenodo.23845905](https://doi.org/10.5281/zenodo.23845905) **Every version** [10.5281/zenodo.23845904](https://doi.org/10.5281/zenodo.23845904) (always points to the newest) **License** [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/) Download the data - [CSV: mortgage-delinquency.csv](https://probativegrowth.com/data/v1/mortgage-delinquency/mortgage-delinquency.csv) 432 KB · one row per record (columns in README.txt) - [JSON: mortgage-delinquency.json](https://probativegrowth.com/data/v1/mortgage-delinquency/mortgage-delinquency.json) 1268 KB · every record with its sources Free, no email or login. The files are hosted on this site and [Zenodo](https://zenodo.org/records/23845905), 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) - [RIS (EndNote, Zotero, Mendeley)](https://probativegrowth.com/data/v1/mortgage-delinquency/cite.ris) - [BibTeX (LaTeX)](https://probativegrowth.com/data/v1/mortgage-delinquency/cite.bib) - [CITATION.cff (GitHub, Zenodo)](https://probativegrowth.com/data/v1/mortgage-delinquency/CITATION.cff) - [codemeta.json](https://probativegrowth.com/data/v1/mortgage-delinquency/codemeta.json) - [SVG badge with the DOI](https://probativegrowth.com/data/badge/mortgage-delinquency.svg) 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? {#chg-h} - **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](https://www.consumerfinance.gov/data-research/mortgage-performance-trends/download-the-data/)) The full log is in [changes.json](https://probativegrowth.com/data/v1/mortgage-delinquency/changes.json). ## What are the limits? {#limits-h} - 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](https://probativegrowth.com/data/corrections/). **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. Probative is a marketing firm, not a law firm. Found a wrong value? [Report an error](https://probativegrowth.com/data/corrections/#report) with the record id and the source that shows the right value. 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The full list is in the [data catalog](https://probativegrowth.com/data/). Running a firm? You don’t need the raw data: we handle your state’s ad rules for you. See where your firm stands first. From Probative, the agency Probative is a marketing agency, and we check the mortgage delinquency shares when we plan a firm's ads and search work. See [marketing for bankruptcy lawyers](https://probativegrowth.com/practice-areas/bankruptcy/) and [SEO for bankruptcy lawyers](https://probativegrowth.com/practice-areas/bankruptcy/seo/). Published by Probative Growth, a marketing agency for law firms. See our [services](https://probativegrowth.com/services/) and [pricing](https://probativegrowth.com/pricing/). Free ## Get your free review. {#end-h} Send us your firm’s website. Probative Growth records a 90-second video of what clients see when they look you up, and emails it with a one-page summary within 2 business days. No logins, no call needed. [Not sure where to start? Answer 7 questions](https://probativegrowth.com/law-firm-marketing-checklist/) [Ready to talk? Talk to us](https://probativegrowth.com/contact/#consult) [Or see what AI says about your firm](https://probativegrowth.com/ai-check/) **Your free review:** It covers your Google listing, website, phone and ads, from public information. [See every price](https://probativegrowth.com/pricing/) Practice areas We file the data on this page under the practice area [bankruptcy](https://probativegrowth.com/practice-areas/bankruptcy/). From Probative, the agency Want to act on the mortgage delinquency shares? Start with [local SEO for law firms](https://probativegrowth.com/services/local-seo/). Then look at [Google Ads for law firms](https://probativegrowth.com/services/google-ads/).