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United States Mortgages 90 or more days late, excluding foreclosure

0.9%

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 90 or more days late, excluding foreclosure in the United States rose 28.57% 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 90 or more days late, excluding foreclosure by state

December 2025 · percent of outstanding mortgages

0.5%–0.6%0.6%–0.8%0.8%–0.9%0.9%–1.1%1.1%–2.1%

Mortgages 90 or more days late, excluding foreclosure · December 2025

Source: Consumer Financial Protection Bureau, Mortgage Performance Trends American Default Research · americandefault.org/affordability/
States, ranked, December 2025
Place%
Louisiana2.1
Mississippi1.8
Arkansas1.3
Georgia1.3
Florida1.2
Oklahoma1.2
South Carolina1.2
Texas1.2
Alabama1.1
Delaware1.1
Illinois1.1
Maryland1.1
New Mexico1.1
West Virginia1.1
Connecticut1
Indiana1
Kentucky1
New York1
Ohio1
Pennsylvania1
District of Columbia0.9
Iowa0.9
Maine0.9
Michigan0.9
Missouri0.9
New Jersey0.9
North Carolina0.9
Rhode Island0.9
Tennessee0.9
Alaska0.8
Arizona0.8
Kansas0.8
Nevada0.8
Virginia0.8
Wyoming0.8
Colorado0.7
Hawaii0.7
Utah0.7
Vermont0.7
Idaho0.6
Massachusetts0.6
Minnesota0.6
Montana0.6
Nebraska0.6
New Hampshire0.6
North Dakota0.6
Oregon0.6
South Dakota0.6
Washington0.6
California0.5
Wisconsin0.5

Source: Consumer Financial Protection Bureau, Mortgage Performance Trends

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

Available history

Mortgages 90 or more days late, excluding foreclosure
Data periodUnited States (%)
Dec 20250.9
Nov 20250.9
Oct 20250.8
Sep 20250.8
Aug 20250.8
Jul 20250.8
Jun 20250.7
May 20250.7
Apr 20250.7
Mar 20250.8
Feb 20250.8
Jan 20250.8
Dec 20240.7
Nov 20240.7
Oct 20240.7
Sep 20240.7
Aug 20240.7
Jul 20240.6
Jun 20240.6
May 20240.6
Apr 20240.6
Mar 20240.6
Feb 20240.6
Jan 20240.7
Dec 20230.6
Nov 20230.5
Oct 20230.5
Sep 20230.5
Aug 20230.5
Jul 20230.5
Jun 20230.5
May 20230.5
Apr 20230.5
Mar 20230.5
Feb 20230.5
Jan 20230.5
Dec 20220.5
Nov 20220.5
Oct 20220.5
Sep 20220.5
Aug 20220.5
Jul 20220.4
Jun 20220.4
May 20220.4
Apr 20220.5
Mar 20220.5
Feb 20220.5
Jan 20220.5
Dec 20210.5
Nov 20210.4
Oct 20210.4
Sep 20210.5
Aug 20210.5
Jul 20210.5
Jun 20210.4
May 20210.4
Apr 20210.4
Mar 20210.5
Feb 20210.5
Jan 20210.5
Dec 20200.6
Nov 20200.6
Oct 20200.6
Sep 20200.6
Aug 20200.6
Jul 20200.7
Jun 20200.7
May 20200.7
Apr 20200.7
Mar 20200.8
Feb 20200.9
Jan 20200.9
Dec 20190.9
Nov 20190.8
Oct 20190.8
Sep 20190.8
Aug 20190.8
Jul 20190.8
Jun 20190.8
May 20190.8
Apr 20190.8
Mar 20190.8
Feb 20190.9
Jan 20190.9
Dec 20180.9
Nov 20180.9
Oct 20180.9
Sep 20180.9
Aug 20180.9
Jul 20180.9
Jun 20180.9
May 20180.9
Apr 20180.9
Mar 20181
Feb 20181.1
Jan 20181.1
Dec 20171.1
Nov 20171.1
Oct 20171.1
Sep 20171.1
Aug 20171.1
Jul 20171.1
Jun 20171.1
May 20171.1
Apr 20171.1
Mar 20171.2
Feb 20171.3
Jan 20171.3
Dec 20161.3
Nov 20161.3
Oct 20161.3
Sep 20161.3
Aug 20161.3
Jul 20161.3
Jun 20161.4
May 20161.4
Apr 20161.4
Mar 20161.5
Feb 20161.7
Jan 20161.6
Dec 20151.6
Nov 20151.6
Oct 20151.6
Sep 20151.7
Aug 20151.7
Jul 20151.7
Jun 20151.8
May 20151.8
Apr 20151.8
Mar 20151.9
Feb 20152
Jan 20152.1
Dec 20142.1
Nov 20142.1
Oct 20142.1
Sep 20142.1
Aug 20142.2
Jul 20142.2
Jun 20142.2
May 20142.2
Apr 20142.2
Mar 20142.3
Feb 20142.4
Jan 20142.5
Dec 20132.5
Nov 20132.5
Oct 20132.5
Sep 20132.6
Aug 20132.6
Jul 20132.7
Jun 20132.9
May 20132.9
Apr 20133.1
Mar 20133.2
Feb 20133.2
Jan 20133.3
Dec 20123.4
Nov 20123.4
Oct 20123.5
Sep 20123.5
Aug 20123.6
Jul 20123.6
Jun 20123.7
May 20123.7
Apr 20123.7
Mar 20123.8
Feb 20123.9
Jan 20124
Dec 20113.9
Nov 20114
Oct 20113.9
Sep 20113.9
Aug 20113.8
Jul 20113.8
Jun 20113.9
May 20113.9
Apr 20113.9
Mar 20114
Feb 20114.1
Jan 20114.2
Dec 20104.1
Nov 20104.1
Oct 20104.2
Sep 20104.2
Aug 20104.2
Jul 20104.3
Jun 20104.4
May 20104.5
Apr 20104.6
Mar 20104.7
Feb 20104.9
Jan 20104.9
Dec 20094.8
Nov 20094.7
Oct 20094.6
Sep 20094.4
Aug 20094
Jul 20093.9
Jun 20093.7
May 20093.5
Apr 20093.3
Mar 20093.2
Feb 20093.1
Jan 20092.9
Dec 20082.7
Nov 20082.4
Oct 20082.2
Sep 20082
Aug 20081.9
Jul 20081.9
Jun 20081.7
May 20081.6
Apr 20081.5
Mar 20081.6
Feb 20081.6
Jan 20081.5

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.