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United States Mortgages 30–89 days late

2.1%

percent of outstanding mortgages December 2025

Data from Consumer Financial Protection Bureau, Mortgage Performance Trends

Choose another place under “Refine this comparison” to compare the same data.

Change, December 2024 to December 2025

+0.2 percentage points

Changes over time

Mortgages 30–89 days late in the United States rose 10.53% 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/
Download data (CSV)
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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 periodUnited States (%)
Dec 20252.1
Nov 20251.7
Oct 20252
Sep 20251.6
Aug 20252
Jul 20252
Jun 20251.5
May 20251.8
Apr 20251.4
Mar 20251.9
Feb 20251.6
Jan 20251.9
Dec 20241.9
Nov 20241.5
Oct 20241.8
Sep 20241.5
Aug 20241.8
Jul 20241.8
Jun 20241.4
May 20241.6
Apr 20241.4
Mar 20241.6
Feb 20241.5
Jan 20241.9
Dec 20231.8
Nov 20231.5
Oct 20231.5
Sep 20231.4
Aug 20231.6
Jul 20231.5
Jun 20231.2
May 20231.4
Apr 20231.2
Mar 20231.3
Feb 20231.1
Jan 20231.5
Dec 20221.4
Nov 20221.2
Oct 20221.3
Sep 20221.1
Aug 20221.2
Jul 20221.2
Jun 20221
May 20221
Apr 20220.9
Mar 20221
Feb 20220.8
Jan 20221
Dec 20211
Nov 20210.8
Oct 20210.9
Sep 20210.8
Aug 20210.8
Jul 20210.8
Jun 20210.7
May 20210.7
Apr 20210.6
Mar 20210.8
Feb 20210.7
Jan 20211
Dec 20201
Nov 20200.8
Oct 20201
Sep 20200.9
Aug 20201
Jul 20200.9
Jun 20200.8
May 20201
Apr 20201.2
Mar 20201.8
Feb 20201.8
Jan 20202.2
Dec 20192.2
Nov 20191.9
Oct 20192.1
Sep 20191.9
Aug 20192
Jul 20192
Jun 20191.7
May 20191.8
Apr 20191.6
Mar 20191.8
Feb 20191.9
Jan 20192.2
Dec 20182.1
Nov 20182
Oct 20182
Sep 20182
Aug 20182.1
Jul 20182
Jun 20181.8
May 20181.8
Apr 20181.8
Mar 20181.8
Feb 20182
Jan 20182.3
Dec 20172.1
Nov 20172
Oct 20172
Sep 20172
Aug 20172.2
Jul 20172.1
Jun 20171.9
May 20172
Apr 20171.9
Mar 20172
Feb 20172.1
Jan 20172.4
Dec 20162.2
Nov 20162.1
Oct 20162.2
Sep 20162.2
Aug 20162.2
Jul 20162.2
Jun 20162
May 20162
Apr 20161.8
Mar 20162
Feb 20162.2
Jan 20162.6
Dec 20152.4
Nov 20152.2
Oct 20152.4
Sep 20152.3
Aug 20152.4
Jul 20152.2
Jun 20152.1
May 20152.1
Apr 20152
Mar 20152
Feb 20152.2
Jan 20152.6
Dec 20142.6
Nov 20142.4
Oct 20142.4
Sep 20142.4
Aug 20142.6
Jul 20142.4
Jun 20142.1
May 20142.4
Apr 20142.1
Mar 20142.4
Feb 20142.4
Jan 20142.9
Dec 20132.9
Nov 20132.6
Oct 20132.8
Sep 20132.6
Aug 20132.8
Jul 20132.8
Jun 20132.7
May 20132.7
Apr 20132.7
Mar 20132.9
Feb 20133.1
Jan 20133.4
Dec 20123.4
Nov 20123.2
Oct 20123.4
Sep 20123.3
Aug 20123.3
Jul 20123.3
Jun 20123.1
May 20123.1
Apr 20123
Mar 20123.1
Feb 20123.3
Jan 20123.7
Dec 20113.5
Nov 20113.3
Oct 20113.4
Sep 20113.4
Aug 20113.4
Jul 20113.4
Jun 20113.2
May 20113.1
Apr 20112.9
Mar 20113.1
Feb 20113.4
Jan 20113.7
Dec 20103.7
Nov 20103.6
Oct 20103.7
Sep 20103.7
Aug 20103.7
Jul 20103.7
Jun 20103.5
May 20103.5
Apr 20103.3
Mar 20103.4
Feb 20103.8
Jan 20104
Dec 20093.9
Nov 20093.9
Oct 20094
Sep 20093.9
Aug 20094
Jul 20094
Jun 20093.8
May 20093.8
Apr 20093.7
Mar 20093.7
Feb 20093.9
Jan 20094.2
Dec 20084.2
Nov 20083.9
Oct 20083.8
Sep 20083.6
Aug 20083.6
Jul 20083.4
Jun 20083.2
May 20083.2
Apr 20083.1
Mar 20083.1
Feb 20083.2
Jan 20083.5

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.