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How we measure MethodologySourcesData and downloads
Analysis›
By situation Behind on your mortgageForbearanceLoan modificationForeclosureShort saleSelling your homeDebt collectorsBankruptcyCar repossession
Free tools Foreclosure timelineCheck your ZIP codeAll tools
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Home › Accessibility

Accessibility

Last updated October 7, 2026

We want everyone to be able to read americandefault.org and use its data, including people who use a screen reader, a keyboard instead of a mouse, magnification or captions.

The standard we aim for

We use the Web Content Accessibility Guidelines (WCAG) 2.2, level AA, as our yardstick. That's the standard the U.S. Department of Justice points to in its guidance on web accessibility. Every build of the site checks our text colors against its contrast rules, and we check each page at phone width as we rebuild it.

Gaps we know about

Charts are the hardest part. A line or a map can be hard to follow with a screen reader or with low vision. Many of our pages also show the numbers in a table, and our research page has CSV downloads of the data behind the indexes, which you can open in any spreadsheet or screen reader.

Some older pages haven't been rebuilt in the current design yet and may fall short in places. We fix those as we rebuild each page.

Ask for another format

If something on the site doesn't work for you, or you need a chart's numbers, a page or a document in another format, write to contact@americandefault.org. Tell us the page and what you need, and we'll work with you to get you the information.

American Default

The independent record of how American households are really doing — the data, and the help.

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American Default Research publishes data and general information about household finances. We are not a law firm, a lender, a housing counseling agency or a government agency, and we are not affiliated with HUD, the CFPB or any lender. Nothing here is legal, financial or tax advice, and using this site or contacting us does not make you a client. Laws and programs vary by state and change often. Before you act, talk with a lawyer or a free HUD-approved housing counselor at 1-800-569-4287. We work to keep our numbers accurate and sourced but can't guarantee them. Our data and analysis are free to reuse under CC BY 4.0 with credit.

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