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Alabama Mortgages 30–89 days late

3.2%

percent of outstanding mortgages December 2025

Data from Consumer Financial Protection Bureau, Mortgage Performance Trends

United States in December 2025

2.1%

Change, December 2024 to December 2025

+0.3 percentage points

Changes over time

Mortgages 30–89 days late in Alabama rose 10.34% from December 2024

percent of outstanding mortgages · January 2008 to December 2025

Source: Consumer Financial Protection Bureau, Mortgage Performance Trends American Default Research · americandefault.org/affordability/
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Mortgages 30–89 days late by state

December 2025 · percent of outstanding mortgages

1%–1.4%1.5%–1.9%2%–2.3%2.3%–2.5%2.5%–4.5%

Mortgages 30–89 days late · December 2025

Source: Consumer Financial Protection Bureau, Mortgage Performance Trends American Default Research · americandefault.org/affordability/
States, ranked, December 2025
Place%
Mississippi4.5
Louisiana4.2
West Virginia3.6
Alabama3.2
South Carolina3
Texas2.9
Georgia2.8
Arkansas2.7
Indiana2.6
Oklahoma2.6
Delaware2.5
Pennsylvania2.5
Florida2.4
Michigan2.4
New Mexico2.4
North Carolina2.4
Ohio2.4
Connecticut2.3
Maryland2.3
Missouri2.3
Rhode Island2.3
Tennessee2.3
Illinois2.2
Kentucky2.2
Wyoming2.2
Arizona2
Kansas2
Maine2
New Jersey2
New York2
South Dakota2
Iowa1.9
Virginia1.8
Alaska1.7
Montana1.6
Nevada1.6
New Hampshire1.6
Utah1.6
Idaho1.5
Massachusetts1.5
Minnesota1.5
California1.4
Colorado1.4
District of Columbia1.4
Nebraska1.4
Vermont1.4
North Dakota1.3
Wisconsin1.3
Oregon1.2
Washington1.1
Hawaii1

Source: Consumer Financial Protection Bureau, Mortgage Performance Trends

Download every state, metro area and county, ranked (CSV)

Available history

Mortgages 30–89 days late
Data periodAlabama (%)United States (%)
Dec 20253.22.1
Nov 20252.61.7
Oct 202532
Sep 20252.41.6
Aug 20252.82
Jul 20252.92
Jun 20252.31.5
May 20252.61.8
Apr 20252.11.4
Mar 20252.81.9
Feb 20252.51.6
Jan 202531.9
Dec 20242.91.9
Nov 20242.51.5
Oct 20242.81.8
Sep 20242.21.5
Aug 20242.71.8
Jul 20242.71.8
Jun 20242.31.4
May 20242.51.6
Apr 20242.11.4
Mar 20242.41.6
Feb 20242.31.5
Jan 20242.91.9
Dec 20232.71.8
Nov 20232.31.5
Oct 20232.31.5
Sep 202321.4
Aug 20232.31.6
Jul 20232.41.5
Jun 20231.91.2
May 20232.11.4
Apr 20231.71.2
Mar 20231.91.3
Feb 20231.81.1
Jan 20232.31.5
Dec 20222.11.4
Nov 20221.81.2
Oct 20221.91.3
Sep 20221.61.1
Aug 20221.81.2
Jul 20221.81.2
Jun 20221.61
May 20221.61
Apr 20221.40.9
Mar 20221.51
Feb 20221.40.8
Jan 20221.51
Dec 20211.51
Nov 20211.30.8
Oct 20211.50.9
Sep 20211.30.8
Aug 20211.40.8
Jul 20211.20.8
Jun 202110.7
May 20211.10.7
Apr 20211.10.6
Mar 20211.30.8
Feb 20211.30.7
Jan 20211.61
Dec 20201.61
Nov 20201.40.8
Oct 20201.41
Sep 20201.30.9
Aug 20201.41
Jul 20201.40.9
Jun 20201.30.8
May 20201.51
Apr 20201.81.2
Mar 20202.61.8
Feb 20202.71.8
Jan 20203.42.2
Dec 20193.32.2
Nov 201931.9
Oct 20193.22.1
Sep 20192.91.9
Aug 20193.12
Jul 20192.92
Jun 20192.61.7
May 20192.61.8
Apr 20192.41.6
Mar 20192.71.8
Feb 201931.9
Jan 20193.32.2
Dec 20183.22.1
Nov 20183.12
Oct 20183.22
Sep 20183.12
Aug 20183.12.1
Jul 201832
Jun 20182.91.8
May 20182.81.8
Apr 20182.71.8
Mar 20182.91.8
Feb 20183.32
Jan 20183.72.3
Dec 20173.42.1
Nov 20173.42
Oct 20173.22
Sep 20173.22
Aug 20173.42.2
Jul 20173.22.1
Jun 20172.91.9
May 20172.92
Apr 201731.9
Mar 201732
Feb 20173.32.1
Jan 20173.82.4
Dec 20163.52.2
Nov 20163.32.1
Oct 20163.52.2
Sep 20163.12.2
Aug 20163.42.2
Jul 20163.32.2
Jun 20162.92
May 20162.92
Apr 20162.71.8
Mar 20162.82
Feb 20163.12.2
Jan 20163.82.6
Dec 20153.62.4
Nov 20153.22.2
Oct 20153.52.4
Sep 20153.32.3
Aug 20153.62.4
Jul 20153.32.2
Jun 20153.12.1
May 20153.22.1
Apr 20152.92
Mar 20152.92
Feb 20153.12.2
Jan 20153.72.6
Dec 20143.82.6
Nov 20143.42.4
Oct 20143.52.4
Sep 20143.32.4
Aug 20143.82.6
Jul 20143.52.4
Jun 20143.12.1
May 20143.32.4
Apr 20143.12.1
Mar 20143.52.4
Feb 20143.72.4
Jan 20144.32.9
Dec 201342.9
Nov 20133.82.6
Oct 201342.8
Sep 20133.72.6
Aug 20134.12.8
Jul 20134.12.8
Jun 20133.82.7
May 20133.72.7
Apr 20133.92.7
Mar 20134.22.9
Feb 20134.63.1
Jan 20134.83.4
Dec 20124.93.4
Nov 20124.83.2
Oct 20124.73.4
Sep 20124.53.3
Aug 20124.63.3
Jul 20124.53.3
Jun 20124.33.1
May 20124.33.1
Apr 20124.13
Mar 20124.13.1
Feb 20124.33.3
Jan 201253.7
Dec 20114.83.5
Nov 20114.53.3
Oct 20114.53.4
Sep 20114.33.4
Aug 20114.43.4
Jul 20114.23.4
Jun 20114.13.2
May 20114.23.1
Apr 20113.92.9
Mar 20114.13.1
Feb 20114.63.4
Jan 20115.13.7
Dec 20105.13.7
Nov 20104.93.6
Oct 20104.93.7
Sep 201053.7
Aug 201053.7
Jul 201053.7
Jun 20104.73.5
May 20104.73.5
Apr 20104.43.3
Mar 20104.33.4
Feb 20104.83.8
Jan 20105.34
Dec 20095.33.9
Nov 20095.13.9
Oct 20095.14
Sep 20094.83.9
Aug 20094.84
Jul 20094.84
Jun 20094.43.8
May 20094.63.8
Apr 20094.23.7
Mar 20094.23.7
Feb 20094.63.9
Jan 20095.24.2
Dec 20085.24.2
Nov 20084.73.9
Oct 20084.83.8
Sep 20084.53.6
Aug 20084.63.6
Jul 20084.23.4
Jun 20083.93.2
May 200843.2
Apr 20083.93.1
Mar 20083.93.1
Feb 200843.2
Jan 20084.33.5

Source: Consumer Financial Protection Bureau, Mortgage Performance TrendsDownload data (CSV)

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Excludes property tax, homeowners insurance, HOA fees and mortgage insurance (PMI). This is not a complete housing bill.

Starting rate: Freddie Mac, Primary Mortgage Market Survey, 7.32% for the week of 2026-10-22. The inputs are editable assumptions, not a loan offer.

Sources and method

Consumer Financial Protection Bureau, Mortgage Performance Trends supplies the figures shown.

Consumer Financial Protection Bureau uses a nationally representative 5% sample of eligible outstanding closed-end, first-lien mortgages on one- to four-family homes. County rates are published only when the sample contains at least 1,000 mortgages. The 90-or-more-day rate excludes loans in foreclosure. Reporting during public emergencies can affect the figures.

About these figures

Survey respondents, aggregate income and utility disconnection events have different denominators. These measures are not added together.

Place comparisons use the same data period. An older common period is named beside the comparison. A missing or withheld value is never changed to zero.

The CSV includes the original source notes, annotations and estimate margins where supplied. Original source data remain subject to their publishers’ terms.

We write with AI tools. Every figure comes from the data and sources named on this page, and automated checks compare it with them before it's published.