Cotality Current-to-30-Day Mortgage Transition Rate
Transition rate from current to early-stage mortgage delinquency
Where the Cotality Current-to-30-Day Mortgage Transition Rate stands now
The Cotality Current-to-30-Day Mortgage Transition Rate was 0.6% in the first quarter of 2026, the lowest in data back to 2024.
What it means for households: Foreclosure Statistics Behind on payments? How to Stop a Foreclosure
How the Cotality Current-to-30-Day Mortgage Transition Rate has moved since 2024
Cotality Current-to-30-Day Mortgage Transition Rate: little changed over the past year
Share of first-lien mortgages moving from current to 30 days past due in one month, Cotality (formerly CoreLogic): 0.6% in the first quarter of 2026, the same as a year earlier. Quarterly, 2024–2026.
What the Cotality Current-to-30-Day Mortgage Transition Rate measures
Measurement basis: Share of mortgages that transitioned from current status to 30 days past due during the reported month. This is a flow of mortgages or loans, not the stock already 30–59 days past due and not a share of borrowers.
A higher rate is worse for households.
Cotality Current-to-30-Day Mortgage Transition Rate by quarter, 2024 to 2026
| Quarter | Rate (%) | Change from a year earlier (percentage points) |
|---|---|---|
| Q1 2026 | 0.6 | 0.0 |
| Q4 2025 | 0.7 | — |
| Q3 2025 | 0.7 | −0.1 |
| Q2 2025 | 0.6 | −0.3 |
| Q1 2025 | 0.6 | — |
| Q3 2024 | 0.8 | — |
| Q2 2024 | 0.9 | — |
Quarterly · CoreLogic / Cotality Monthly Report
Counties with the highest default and legal scores
There's no county figure for this measure, so this list uses the default and legal part of our County Distress Index.
| Rank | County | Score (0–100) |
|---|---|---|
| 1 | Coahoma County, MS | 99 |
| 2 | Clayton County, GA | 98.8 |
| 3 | Petersburg city, VA | 98.8 |
| 4 | Russell County, AL | 98.2 |
| 5 | Dougherty County, GA | 98.2 |
| 6 | Dallas County, AL | 98.1 |
| 7 | Bibb County, GA | 97.8 |
| 8 | Lauderdale County, TN | 97.1 |
| 9 | Crittenden County, AR | 96.9 |
| 10 | Montgomery County, AL | 96.9 |
Questions about the Cotality Current-to-30-Day Mortgage Transition Rate
What does the early-stage transition rate measure?
It is the share of first-lien mortgages that went from current to 30 days past due during a single month. Cotality put it at 0.6% for the last month of the first quarter of 2026. Homes owned outright have no mortgage and are not counted.
Is this the share of homeowners who missed a payment?
No. It is a share of first-lien mortgages in Cotality's data, not of homeowners, borrowers or homes. CoreLogic has estimated that about a third of U.S. homes have no mortgage at all, and second mortgages are left out.
How is this different from the mortgage delinquency rate?
A delinquency rate is a stock: all loans that are late at a point in time. This rate is a flow: loans newly moving from current to 30 days late in one month. Cotality publishes both, and one cannot stand in for the other.
Where does this data come from?
Cotality, formerly CoreLogic, publishes it in its Loan Performance Insights report, compiled from public records, contributed loan data and its own analytics. It now reports the last month of each quarter, two to three months after that month ends.
Sources and method for the Cotality Current-to-30-Day Mortgage Transition Rate
- CoreLogic / Cotality Monthly Report Measurement basis: Share of mortgages that transitioned from current status to 30 days past due during the reported month. This is a flow of mortgages or loans, not the stock already 30–59 days past due and not a share of borrowers. We use the quarterly figures as published, from the second quarter of 2024 through the first quarter of 2026, with no adjustment of our own. CoreLogic doesn’t adjust this rate for the season, so compare a quarter with the same quarter a year earlier. CoreLogic’s report
We write with assistance from AI tools. Figures come from the data and sources named on this page.