# American Default Research

> American Default Research tracks U.S. household financial distress through the
> American Distress Index (ADI), a quarterly composite of 10 member series across
> 5 equal-weighted domains: Delinquency, Default & Legal, Debt Burden,
> Labor, and Safety Net & Buffer. The site tracks 109 indicators in total.

## Canonical Attribution

### Three-tier naming

- **American Default Research** — institutional name. Use in source lists, bibliographies, press citations, schema.org attributions, and anywhere a reader expects to see the publishing organization.
- **American Default** — brand name. Used for the URL (americandefault.org), social handles, and conversational references.
- **American Distress Index (ADI)** — product name. Use only when referencing the national composite score itself.
- **County Distress Index (CDI)** — product name. Use only when referencing the county-level composite.

### Citation templates (copy-paste)

APA 7th:

    Kilburn, R. (2026). American Distress Index [Data set]. American Default Research. https://americandefault.org/methodology/

Chicago (author-date):

    Kilburn, Ross. 2026. "American Distress Index." American Default Research. https://americandefault.org/methodology/.

MLA 9th:

    Kilburn, Ross. "American Distress Index." American Default Research, 2026, americandefault.org/methodology/.

Plain text / news attribution:

    Source: American Default Research (americandefault.org)

Per-indicator machine-readable citations are available as BibTeX and RIS at `/citations/{slug}.bib` and `/citations/{slug}.ris` (see Machine Layer section below).

### Incorrect forms observed in external citations — do not use

The following variants have appeared in early outside references and are all incorrect:

- "American Default Index" — wrong (conflates brand and product)
- "American Distress Report" — wrong (invented name)
- "American Distress Index Inc" — wrong (no Inc. suffix)
- "AmericanDefault.org Research" — wrong (casual URL-form used as citation)

The canonical institutional name is "American Default Research". When unsure, use that form.

## Current Reading

American Distress Index: 47.0 (Typical) as of 2026-Q2
Reading: The composite itself sits higher than 44% of all published quarters since 2005
Bands: 1=Minimal (0-20) | 2=Low (20-40) | 3=Typical (40-60) | 4=High (60-80) | 5=Severe (80-100)
Band label usage: labels apply to the national time axis only and always publish alongside the literal reading; state and county scores use ranks and quintile wording, never these labels
Indicators rising: 34 | falling: 26 | stable: 39 | not comparable (declared series break): 2

## Flat-Text Markdown Surface

Every indicator page and every composite index has a parallel markdown copy at `https://americandefault.org/for-llms/{slug}.md`. Each markdown file carries YAML frontmatter (title, summary, latest value, latest period, source, canonical HTML URL, APA/Chicago/MLA citations) and a prose body (current reading, recent values table, historical context, methodology, related indicators, machine-readable endpoints).

AI agents extracting citations or values should prefer the markdown surface over the rendered HTML page.

- [Master index](https://americandefault.org/for-llms/index.md): Every indicator + composite, organized by category
- [American Distress Index](https://americandefault.org/for-llms/adi.md): Composite household distress score
- [State Distress Index](https://americandefault.org/for-llms/state-adi.md): 7-member state distress framework across 4 domains
- [County Distress Index](https://americandefault.org/for-llms/cdi.md): 14-member county distress framework across 5 domains
- [Methodology](https://americandefault.org/for-llms/methodology.md): American Distress Index, SDI and CDI methodology overview
- Per-indicator markdown: `https://americandefault.org/for-llms/{slug}.md` — replace `{slug}` with any indicator slug from the list below
- Per-guide markdown: `https://americandefault.org/for-llms/{slug}.md` — guide slugs are listed below

## Research Boundary

The committed scanner includes the indicator pair: Delinquency Rate on Credit Card Loans leads Charge-Off Rate on All Loans by 3 quarters with r = 0.66.
Its lag and correlation are historical, pair-specific results rather than a causal estimate or forecast.
In the American Distress Index, the savings rate is the sole member of the Safety Net & Buffer
domain — one of 5 equal-weighted domains. The artifact does not establish a domain-to-domain lead.

### Systematically Validated Leading Relationships

A five-filter pipeline (FDR-corrected cross-correlation, first-differenced series,
multi-crisis validation, Granger testing, out-of-sample validation) tested
102,234 indicator pairs
and identified 8 fully validated leading relationships:

- Wage Growth vs CPI Spread → Bottom-Quartile Wage Growth vs. Inflation (2q lag, r=0.89, 2 crises validated, OOS r=0.91)
- Initial Unemployment Claims (SA) → Unemployment Rate (1q lag, r=0.85, 2 crises validated, OOS r=0.81)
- Charge-Off Rate on Single-Family Residential Mortgages → Charge-Off Rate on All Loans (0q lag, r=0.82, 2 crises validated, OOS r=0.46)
- Energy Price Inflation (CPI) → Bottom-Quartile Wage Growth vs. Inflation (1q lag, r=0.73, 2 crises validated, OOS r=0.82)
- Initial Unemployment Claims (SA) → Involuntary Part-Time Share of Employment (1q lag, r=0.7, 2 crises validated, OOS r=0.59)
- Delinquency Rate on Credit Card Loans → Charge-Off Rate on All Loans (3q lag, r=0.66, 2 crises validated, OOS r=0.83)

### Structural Projections

American Default Research does not make forecasts. Validated lag relationships
remain tied to recorded indicator pairs (for example, Delinquency Rate on Credit Card Loans leads Charge-Off Rate on All Loans by 3 quarters with r = 0.66).
They are historical patterns, not causal estimates, and do not transfer automatically to parent domains.

## Core Pages

- [American Distress Index](https://americandefault.org/adi/): Current score, band, rank in its own published history, 5-domain breakdown
- [Methodology](https://americandefault.org/methodology/): Percentile-of-own-history normalization, 5 equal-weighted domains, band thresholds
- [All Indicators](https://americandefault.org/indicators/): 109 tracked indicators with current readings or explicit historical status
- [About](https://americandefault.org/about/): Project background, methodology overview, data sources
- [About the Author](https://americandefault.org/about/ross-kilburn/): Ross Kilburn — background, credentials, professional history

## Statistics & Research Pages

- [All Statistics](https://americandefault.org/statistics/): Index of all statistics roundup pages
- [Foreclosure Statistics 2026](https://americandefault.org/statistics/foreclosure-statistics/): Filing rates, FHA vs. bank-booked mortgage delinquency, serious delinquency trends
- [Consumer Debt Statistics 2026](https://americandefault.org/statistics/consumer-debt-statistics/): Credit card balances, auto loans, student debt, charge-off rates
- [Bankruptcy Statistics 2026](https://americandefault.org/statistics/bankruptcy-statistics/): Chapter 7 vs. Chapter 13 filings, Wipeout Ratio, charge-off correlation
- [Consumer Debt by State 2026](https://americandefault.org/statistics/consumer-debt-by-state/): State-level credit card delinquency, auto loan delinquency, per-capita debt
- [Mortgage Delinquency Statistics 2026](https://americandefault.org/statistics/mortgage-delinquency-2026/): FHA (11.79%) vs. Fed bank-booked mortgages (1.86%) split — 6.3 times the bank-booked rate
- [Grocery Price Increase Since 2020](https://americandefault.org/statistics/grocery-price-increase-since-2020/): +31.96% cumulative since January 2020, category breakdown
- [U.S. Default Rates 2026](https://americandefault.org/statistics/default-rates/): All loan types compared — credit card, mortgage, auto, student, FHA
- [Savings Rate Statistics 2026](https://americandefault.org/statistics/savings-rate-statistics/): Personal savings rate and emergency fund surveys
- [Student Loan Default Statistics 2026](https://americandefault.org/statistics/student-loan-default-statistics/): Delinquency rates, payment restart shock, burden ratios
- [Cost of Living Statistics 2026](https://americandefault.org/statistics/cost-of-living-statistics/): CPI by category, grocery cumulative, auto insurance, wage-CPI spread
- [Unemployment Statistics 2026](https://americandefault.org/statistics/unemployment-statistics/): U-3 vs U-6, initial claims, job postings, layoffs
- [Housing Affordability Statistics 2026](https://americandefault.org/statistics/housing-affordability-statistics/): Home prices, mortgage debt service, FHA vs bank-booked mortgages, HELOC
- [Credit Card Default Statistics 2026](https://americandefault.org/statistics/credit-card-default-statistics/): Delinquency rate (2.85%), charge-offs (3.82%), outside-top-100 minus top-100 bank spread (3.8 percentage points), population definitions and cross-asset context
- [Auto Loan Delinquency Statistics 2026](https://americandefault.org/statistics/auto-loan-delinquency/): Delinquency trends, subprime divergence
- [Hardship Withdrawal Statistics 2026](https://americandefault.org/statistics/hardship-withdrawal-statistics/): 401(k) hardship rates, retirement cannibalization
- [Household Debt Statistics 2026](https://americandefault.org/statistics/household-debt-statistics/): Total household debt, debt service ratios, composition
- [Debt by State 2026](https://americandefault.org/statistics/debt-by-state/): 51-state delinquency, debt per capita, multi-metric rankings
- [Default Rates by State 2026](https://americandefault.org/statistics/default-rates-by-state/): CC, auto, mortgage delinquency + bankruptcy by state
- [Unemployment by State 2026](https://americandefault.org/statistics/unemployment-statistics-by-state/): LAUS data, state vs national comparison
- [State Distress Rankings 2026](https://americandefault.org/statistics/state-distress-rankings/): State Distress Index ranks, score labels, and family-domain breakdown

## Help & Consumer Rights Pages

- [Help Hub](https://americandefault.org/help/): Overview of foreclosure, bankruptcy, and debt resources
- [Foreclosure Help](https://americandefault.org/help/foreclosure/): Hub for homeowners facing foreclosure
- [How Foreclosure Works](https://americandefault.org/help/foreclosure/how-it-works/): The federal 120-day wait, court vs. no-court states counted from state law, six steps from a late payment to the sale, and FHFA's monthly foreclosure starts on Fannie Mae and Freddie Mac loans
- [Foreclosure Timeline by State](https://americandefault.org/help/foreclosure/timeline/): The first 120 days under federal rules, ATTOM's measured average time in foreclosure (national and the ten states it names), and a sourced 51-jurisdiction directory of each state's own steps; statutory steps are never summed into a total
- [Your Foreclosure Rights](https://americandefault.org/help/foreclosure/your-rights/): Regulation X rights matched to common servicer problems, when an application for help protects you, and a 51-state table of redemption, mediation and deficiency rules
- [Stop a Foreclosure](https://americandefault.org/help/foreclosure/stop-foreclosure/): What still works at each stage, seven ways to stop or pause a foreclosure, and FHFA's monthly foreclosure prevention actions on Fannie Mae and Freddie Mac loans
- [Deed in Lieu of Foreclosure](https://americandefault.org/help/foreclosure/deed-in-lieu/): Lender acceptance, leftover balance, credit, moving money by loan type (Fannie Mae, Freddie Mac, FHA, VA), taxes
- [After a Foreclosure Sale](https://americandefault.org/help/foreclosure/after-the-sale/): Moving out, buying the home back (redemption), the leftover balance (deficiency), surplus money, credit and taxes, with a 51-state table
- [Behind on Mortgage](https://americandefault.org/help/behind-on-mortgage/): Early-stage guide, first steps, forbearance and modification basics, HUD counselors
- [Mortgage Forbearance](https://americandefault.org/help/behind-on-mortgage/forbearance/): How long forbearance lasts by loan type (Fannie Mae, Freddie Mac, FHA, VA, USDA), costs, repayment when it ends (repayment plan, deferral, partial claim, modification, lump sum), credit reporting
- [Loan Modification](https://americandefault.org/help/behind-on-mortgage/loan-modification/): Fannie Mae and Freddie Mac Flex Modification, FHA, VA and USDA options, trial payment plans, Regulation X application deadlines and appeal rights
- [Mortgage Relief Programs](https://americandefault.org/help/behind-on-mortgage/mortgage-help/): How the Homeowner Assistance Fund ended (Treasury deadline September 30, 2026), the federal help that remains, and how to spot a foreclosure-rescue scam
- [Short Sale Guide](https://americandefault.org/help/short-sale/): Rules by loan type (Fannie Mae, Freddie Mac, FHA pre-foreclosure sale, VA, USDA), deficiency waivers, short sale vs. deed in lieu vs. foreclosure, credit, and tax on forgiven mortgage debt
- [Bankruptcy Guide](https://americandefault.org/help/bankruptcy/): Chapter 7 vs. 13, automatic stay, exemptions, credit impact
- [Debt Collector Rights](https://americandefault.org/help/debt-collectors/): FDCPA protections, cease-and-desist, complaint process, state SOL table
- [State Foreclosure Laws](https://americandefault.org/help/laws/): All 50 states + DC foreclosure law summaries

## State Financial Distress Profiles (51)

Each state profile includes a State Distress Index score (4 domains), credit/debt metrics vs. national,
foreclosure law summary, bankruptcy filing rates, CFPB complaint density, and safety net assessment.
A State Distress Index score is the share of the other states and D.C. with a lower composite, as a
whole number rounded down: a state with a score of X is more distressed than X% of the 50 states and D.C.

- [State Index](https://americandefault.org/states/): All 50 states + DC ranked by State Distress Index score
- Individual profiles at /states/{state-slug}/ (e.g., /states/california/, /states/texas/)

## County-Level Distress Index

The County Distress Index (CDI) ranks 3,144 U.S. counties using
the family taxonomy: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer.
Each county gets a 0-100 score, a state rank, and a score label. The score is the share of the other
counties with a lower composite (the mean of the five domains), as a whole number rounded down: a county
with a score of X is more distressed than X% of U.S. counties. Ranks sort the composite; county pages print
the national rank only for the 100 most and 100 least distressed counties. County pages do not use the
national American Distress Index band labels.
Current CDI coverage: 2,835 counties fully covered, with imputation and confidence flags published where needed.
Data sourced from Urban Institute, Equifax data retrieved via FRED, U.S. Bureau of Labor Statistics, U.S. Census Bureau, Administrative Office of the U.S. Courts, and U.S. Department of Housing and Urban Development.

### CDI Family Domains

| Domain | Measures |
|--------|----------|
| Delinquency | Auto-loan delinquency, credit-card delinquency, subprime credit share |
| Default & Legal | Debt in collections, bankruptcy filing rate |
| Debt Burden | Rent-to-income ratio, severe renter burden |
| Labor | Unemployment rate |
| Safety Net & Buffer | Poverty, child poverty, disability, median household income, uninsured rate |

### CDI Score Labels

- 0-9: exceptionally low county distress
- 10-19: very low county distress
- 20-29: low county distress
- 30-39: low-moderate county distress
- 40-49: moderate-low county distress
- 50-59: moderate county distress
- 60-69: moderate-high county distress
- 70-79: high county distress
- 80-89: very high county distress
- 90-100: extreme county distress

### CDI Data Sources

Public sources include Urban Institute Debt in America, Equifax data retrieved via FRED subprime credit, U.S. Bureau of Labor Statistics LAUS, U.S. Census Bureau ACS and SAIPE, U.S. Department of Housing and Urban Development Fair Market Rents, and Administrative Office of the U.S. Courts bankruptcy filings. No proprietary data.

- [County Hub](https://americandefault.org/counties/): National overview, interactive map, top/bottom counties
- [Alabama Counties](https://americandefault.org/counties/alabama/)
- [Alaska Counties](https://americandefault.org/counties/alaska/)
- [Arizona Counties](https://americandefault.org/counties/arizona/)
- [Arkansas Counties](https://americandefault.org/counties/arkansas/)
- [California Counties](https://americandefault.org/counties/california/)
- [Colorado Counties](https://americandefault.org/counties/colorado/)
- [Connecticut Counties](https://americandefault.org/counties/connecticut/)
- [Delaware Counties](https://americandefault.org/counties/delaware/)
- [District of Columbia Counties](https://americandefault.org/counties/district-of-columbia/)
- [Florida Counties](https://americandefault.org/counties/florida/)
- [Georgia Counties](https://americandefault.org/counties/georgia/)
- [Hawaii Counties](https://americandefault.org/counties/hawaii/)
- [Idaho Counties](https://americandefault.org/counties/idaho/)
- [Illinois Counties](https://americandefault.org/counties/illinois/)
- [Indiana Counties](https://americandefault.org/counties/indiana/)
- [Iowa Counties](https://americandefault.org/counties/iowa/)
- [Kansas Counties](https://americandefault.org/counties/kansas/)
- [Kentucky Counties](https://americandefault.org/counties/kentucky/)
- [Louisiana Counties](https://americandefault.org/counties/louisiana/)
- [Maine Counties](https://americandefault.org/counties/maine/)
- [Maryland Counties](https://americandefault.org/counties/maryland/)
- [Massachusetts Counties](https://americandefault.org/counties/massachusetts/)
- [Michigan Counties](https://americandefault.org/counties/michigan/)
- [Minnesota Counties](https://americandefault.org/counties/minnesota/)
- [Mississippi Counties](https://americandefault.org/counties/mississippi/)
- [Missouri Counties](https://americandefault.org/counties/missouri/)
- [Montana Counties](https://americandefault.org/counties/montana/)
- [Nebraska Counties](https://americandefault.org/counties/nebraska/)
- [Nevada Counties](https://americandefault.org/counties/nevada/)
- [New Hampshire Counties](https://americandefault.org/counties/new-hampshire/)
- [New Jersey Counties](https://americandefault.org/counties/new-jersey/)
- [New Mexico Counties](https://americandefault.org/counties/new-mexico/)
- [New York Counties](https://americandefault.org/counties/new-york/)
- [North Carolina Counties](https://americandefault.org/counties/north-carolina/)
- [North Dakota Counties](https://americandefault.org/counties/north-dakota/)
- [Ohio Counties](https://americandefault.org/counties/ohio/)
- [Oklahoma Counties](https://americandefault.org/counties/oklahoma/)
- [Oregon Counties](https://americandefault.org/counties/oregon/)
- [Pennsylvania Counties](https://americandefault.org/counties/pennsylvania/)
- [Rhode Island Counties](https://americandefault.org/counties/rhode-island/)
- [South Carolina Counties](https://americandefault.org/counties/south-carolina/)
- [South Dakota Counties](https://americandefault.org/counties/south-dakota/)
- [Tennessee Counties](https://americandefault.org/counties/tennessee/)
- [Texas Counties](https://americandefault.org/counties/texas/)
- [Utah Counties](https://americandefault.org/counties/utah/)
- [Vermont Counties](https://americandefault.org/counties/vermont/)
- [Virginia Counties](https://americandefault.org/counties/virginia/)
- [Washington Counties](https://americandefault.org/counties/washington/)
- [West Virginia Counties](https://americandefault.org/counties/west-virginia/)
- [Wisconsin Counties](https://americandefault.org/counties/wisconsin/)
- [Wyoming Counties](https://americandefault.org/counties/wyoming/)

## Interactive Tools

- [Tools Hub](https://americandefault.org/tools/): All free interactive tools
- [Foreclosure Timeline Calculator](https://americandefault.org/tools/foreclosure-timeline/): State-specific timeline estimator
- [Zip Code Stress Test](https://americandefault.org/tools/zip-check/): State-level distress assessment by zip

## Analysis Articles

- [The FHA Signal Thesis](https://americandefault.org/analysis/2026/03/fha-signal-thesis/): FHA borrower-split analysis reframed for the family-method American Distress Index
- [Savings Leading Indicator](https://americandefault.org/analysis/2026/03/savings-leading-indicator/): structural lag evidence kept separate from fitted index weights
- [The Two-Economy Problem](https://americandefault.org/analysis/2026/03/two-economy-problem/): aggregate-vs-borrower-split measurement note after the family cutover
- [State Distress Rankings 2026](https://americandefault.org/statistics/state-distress-rankings/): All 50 states plus DC ranked by financial distress
- [Foreclosure Now](https://americandefault.org/analysis/foreclosure-now/): Why foreclosure filings are rising while unemployment is low — the escrow trap and the FHA vintage problem
- [Credit Card Defaults Now](https://americandefault.org/analysis/2026/04/credit-card-defaults-now/): delinquency and charge-off domains after the family cutover

## Financial Distress Glossary (247 terms)

Clear definitions of foreclosure, bankruptcy, mortgage, debt, and consumer finance
terminology — enriched with live American Distress Index data, state-by-state legal variations, and DefinedTerm schema.

- [Glossary Hub](https://americandefault.org/glossary/): Master index of all 247 terms across 17 topic clusters
- [Foreclosure Terms](https://americandefault.org/glossary/#foreclosure-terms): Legal process, timelines, notice of default, REO, deficiency judgments
- [Loss Mitigation Terms](https://americandefault.org/glossary/#loss-mitigation-terms): Forbearance, loan modification, short sale, deed in lieu
- [Mortgage Default Terms](https://americandefault.org/glossary/#mortgage-default-terms): Delinquency, default, charge-off definitions and thresholds
- [Bankruptcy Terms](https://americandefault.org/glossary/#bankruptcy-terms): Chapter 7, Chapter 13, automatic stay, means test, discharge
- [Debt Collection Terms](https://americandefault.org/glossary/#debt-collection-terms): FDCPA, garnishment, debt validation, statute of limitations
- [Loan Types](https://americandefault.org/glossary/#loan-types): FHA, VA, conventional, subprime, ARM, reverse mortgage
- [Mortgage Terms](https://americandefault.org/glossary/#mortgage-terms): Amortization, PMI, closing costs, home equity, MBS, secondary market
- [Credit Terms](https://americandefault.org/glossary/#credit-terms): FICO, credit bureaus, utilization, inquiries, credit freeze
- [Housing Market Terms](https://americandefault.org/glossary/#housing-market-terms): Affordability, home prices, inventory, housing starts, cost burden
- [Consumer Debt Terms](https://americandefault.org/glossary/#consumer-debt-terms): Credit cards, auto loans, debt consolidation, APR, repayment strategies
- [Regulatory Terms](https://americandefault.org/glossary/#regulatory-terms): CFPB, RESPA, TILA, Dodd-Frank, QM Rule, ECOA, Regulation X
- [Financial Hardship Terms](https://americandefault.org/glossary/#financial-hardship-terms): Hardship withdrawals, emergency funds, debt service ratios
- [Eviction & Rental Terms](https://americandefault.org/glossary/#eviction-terms): Eviction process, tenant rights, rental assistance
- [Government Programs](https://americandefault.org/glossary/#government-programs): HAF (closed to new aid), SNAP, LIHEAP, Section 8
- [Student Debt Terms](https://americandefault.org/glossary/#student-debt-terms): Default, IDR, PSLF, rehabilitation, consolidation
- [Economic Indicator Terms](https://americandefault.org/glossary/#economic-indicator-terms): Inflation, CPI, unemployment, interest rates, GDP, recession
- [Retirement & Savings Terms](https://americandefault.org/glossary/#retirement-terms): 401(k), IRA, hardship distributions, savings rate, Social Security

## All Tracked Indicators (109)

Each indicator page includes historical data, trend analysis, and connection to the American Distress Index.

- [401(k) Loan Outstanding Rate](https://americandefault.org/indicators/401-k-loan-outstanding-rate/): 13%
- [Adults Who Paid Less or Skipped Bills (also tracked as The Skip Rate)](https://americandefault.org/indicators/the-skip-rate/): 18.3%
- [AI Share of Indeed Job Postings](https://americandefault.org/indicators/ai-job-posting-share-of-total/) [rising]: 7.34%
- [AI-Attributed Layoff Announcements (also tracked as The AI Cut)](https://americandefault.org/indicators/the-ai-cut/): 4,000
- [Atlanta Fed Wage Growth Tracker (1st Quartile)](https://americandefault.org/indicators/atlanta-fed-wage-growth-tracker-1st-quartile/) [rising]: 3.7%
- [Auto Insurance Inflation Premium (Auto CPI minus Overall CPI) (also tracked as The Coverage Tax)](https://americandefault.org/indicators/the-coverage-tax/) [falling]: -8.5 percentage points
- [Auto Loans 90+ Days Past Due (also tracked as The Repo Line)](https://americandefault.org/indicators/the-repo-line/) [rising]: 5.49%
- [Bankcard Balances 60+ Days Past Due (Equifax) (also tracked as The 60-Day Line)](https://americandefault.org/indicators/the-60-day-line/): 2.71%
- [Bankruptcy Chapter 7 to Chapter 13 Filing Ratio (also tracked as The Wipeout Ratio)](https://americandefault.org/indicators/the-wipeout-ratio/) [rising]: 1.8 times
- [Bankruptcy Filings YoY Change (also tracked as Bankruptcy Filings)](https://americandefault.org/indicators/bankruptcy-filings/): 12.2%
- [Bottom-Half Share of Household Wealth (also tracked as The Bottom Half)](https://americandefault.org/indicators/the-bottom-half/): 2.3%
- [Bottom-Quartile Wage Growth vs. Inflation (also tracked as The K-Shape)](https://americandefault.org/indicators/the-k-shape/) [falling]: 1.1 percentage points
- [Business AI Adoption Rate (also tracked as The Adoption Curve)](https://americandefault.org/indicators/the-adoption-curve/) [historical; last verified 2025-09-21]: 10%
- [Buy Now Pay Later Lending Volume (also tracked as Phantom Debt)](https://americandefault.org/indicators/phantom-debt/) [historical; last verified 2023]: $43.9 billion
- [CFPB Consumer Complaint Volume](https://americandefault.org/indicators/cfpb-consumer-complaint-volume/) [rising]: 712,577
- [Challenger Job Cut Announcements (also tracked as Pink Slips)](https://americandefault.org/indicators/pink-slips/): 43,300
- [Chapter 13 Bankruptcy Filings (YoY % Change)](https://americandefault.org/indicators/chapter-13-bankruptcy-filings-yoy-change/): 7.6%
- [Chapter 7 Bankruptcy Filings (YoY % Change)](https://americandefault.org/indicators/chapter-7-bankruptcy-filings-yoy-change/): 14.7%
- [Charge-Off Rate on All Loans](https://americandefault.org/indicators/charge-off-rate-on-all-loans/) [falling]: 0.55%
- [Charge-Off Rate on Credit Card Loans](https://americandefault.org/indicators/charge-off-rate-on-credit-card-loans/): 3.82%
- [Charge-Off Rate on Single-Family Residential Mortgages](https://americandefault.org/indicators/charge-off-rate-on-single-family-residential-mortgages/): 0%
- [Commercial Bank Interest Rate on Credit Card Plans (also tracked as The Card Tax)](https://americandefault.org/indicators/the-card-tax/): 21.19%
- [Conference Board Consumer Expectations Index (also tracked as The Warning Light)](https://americandefault.org/indicators/the-warning-light/) [falling]: 63.6
- [Continued Unemployment Claims (SA)](https://americandefault.org/indicators/continued-unemployment-claims-sa/) [rising]: 1.72 million
- [Cotality Current-to-30-Day Mortgage Transition Rate (also tracked as First Missed)](https://americandefault.org/indicators/first-missed/): 0.6%
- [CPI Inflation Rate (All Items)](https://americandefault.org/indicators/cpi-inflation-rate-all-items/): 3.35%
- [Credit Card Delinquency at Banks Outside the Top 100 (also tracked as The Other Banks)](https://americandefault.org/indicators/the-other-banks/): 6.49%
- [Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest](https://americandefault.org/indicators/large-vs-small-bank-credit-card-delinquency-spread/): 3.8 percentage points
- [Delinquency Rate on Consumer Loans (ex credit card)](https://americandefault.org/indicators/delinquency-rate-on-consumer-loans-ex-credit-card/): 2.33%
- [Delinquency Rate on Credit Card Loans (also tracked as The Late Fee)](https://americandefault.org/indicators/the-late-fee/): 2.85%
- [Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks](https://americandefault.org/indicators/mortgage-delinquency-rate/): 1.86%
- [Difficulty Paying Usual Household Expenses (also tracked as The Pinch)](https://americandefault.org/indicators/the-pinch/): 21.3%
- [Energy Cost Burden (Energy PCE as % of Disposable Income) (also tracked as The Energy Squeeze)](https://americandefault.org/indicators/the-energy-squeeze/) [rising]: 3.66%
- [Energy Price Inflation (CPI)](https://americandefault.org/indicators/energy-cpi-all-items/): 16.05%
- [Family Income Inequality (Gini) (also tracked as The Divide)](https://americandefault.org/indicators/the-divide/): 0.5
- [Fannie Mae and Freddie Mac Loans in Forbearance](https://americandefault.org/indicators/fannie-mae-and-freddie-mac-loans-in-forbearance/) [rising]: 37,283
- [Federal Customs Duties as % of Disposable Personal Income (also tracked as The Import Tax)](https://americandefault.org/indicators/the-import-tax/) [rising]: 1.17%
- [FHA Mortgage Delinquency Rate (also tracked as The FHA Signal)](https://americandefault.org/indicators/the-fha-signal/): 11.79%
- [Financially Healthy Households (Financial Health Network)](https://americandefault.org/indicators/financial-health-score-fhn-finhealth-survey/): 31%
- [Food Price Inflation (CPI)](https://americandefault.org/indicators/food-price-inflation/): 2.63%
- [Foreclosure Filings YoY Change (also tracked as Foreclosure Filings)](https://americandefault.org/indicators/foreclosure-filings/): 15%
- [Foreclosure Prevention Actions Completed, Fannie Mae and Freddie Mac Loans](https://americandefault.org/indicators/foreclosure-prevention-actions-completed-fannie-mae-and-freddie-mac-loans/) [falling]: 15,855
- [Foreclosure Starts vs. Bank Repossessions (also tracked as The Pipeline)](https://americandefault.org/indicators/the-pipeline/): 4.5 times
- [Foreclosure Starts, Fannie Mae and Freddie Mac Loans](https://americandefault.org/indicators/foreclosure-starts-fannie-mae-and-freddie-mac-loans/) [rising]: 7,979
- [Gas Price to Pay Ratio (also tracked as The Pump Tax)](https://americandefault.org/indicators/the-pump-tax/) [rising]: 0.33%
- [Grocery Affordability Gap (also tracked as The Grocery Gap)](https://americandefault.org/indicators/the-grocery-gap/): 0.5 percentage points
- [Grocery Prices Cumulative Change Since Jan 2020](https://americandefault.org/indicators/grocery-prices-cumulative-change-since-jan-2020/): 31.96%
- [Healthcare Inflation Premium (Medical CPI minus Overall CPI)](https://americandefault.org/indicators/healthcare-inflation-premium-medical-cpi-minus-overall-cpi/) [falling]: -1.8 percentage points
- [HELOC Balances Outstanding](https://americandefault.org/indicators/heloc-balance-growth/) [rising]: $458.5 billion
- [Homelessness: HUD Point-in-Time Count](https://americandefault.org/indicators/annual-homelessness-assessment-pit-count/) [falling]: 745,652
- [Household Debt Service Ratio (also tracked as Debt Service)](https://americandefault.org/indicators/debt-service/): 11.11%
- [Household Food Insecurity Rate](https://americandefault.org/indicators/household-food-insecurity-rate/) [historical; last verified 2024]: 13.7%
- [Indeed Job Postings Index (US)](https://americandefault.org/indicators/indeed-job-postings-index-us/) [rising]: 103.8
- [Information Sector Job Openings (NAICS 51) (also tracked as The Tech Drought)](https://americandefault.org/indicators/the-tech-drought/): 123,000
- [Initial Unemployment Claims (SA)](https://americandefault.org/indicators/initial-unemployment-claims-sa/): 197,000
- [Involuntary Part-Time Share of Employment (also tracked as The Short Shift)](https://americandefault.org/indicators/the-short-shift/): 2.76%
- [JOLTS Quits Rate](https://americandefault.org/indicators/jolts-quits-rate/): 1.9%
- [Labor Share of Nonfarm Business Output (also tracked as The Split)](https://americandefault.org/indicators/the-split/) [falling]: 93.4
- [Loan Modifications Completed, Fannie Mae and Freddie Mac Loans](https://americandefault.org/indicators/loan-modifications-completed-fannie-mae-and-freddie-mac-loans/) [falling]: 6,616
- [Long-Term Unemployed Share (27+ Weeks) (also tracked as The Long Haul)](https://americandefault.org/indicators/the-long-haul/): 27.1%
- [Median Sale Price of New Houses (US)](https://americandefault.org/indicators/median-sales-price-of-houses-sold-us/): $410,700
- [Medicaid / CHIP Enrollment](https://americandefault.org/indicators/medicaid-chip-enrollment-monthly/) [falling]: 73.17 million
- [Medical Care CPI](https://americandefault.org/indicators/medical-care-cpi/): 1.56%
- [METR 50% Task-Completion Horizon (also tracked as The Horizon)](https://americandefault.org/indicators/the-horizon/) [rising]: 17.4 hours
- [Monthly FHA Loan Endorsements](https://americandefault.org/indicators/monthly-fha-loan-endorsements/) [rising]: 78,925
- [Mortgage Debt Service Ratio](https://americandefault.org/indicators/mortgage-debt-service-ratio/): 5.83%
- [Mortgage Origination Volume](https://americandefault.org/indicators/mortgage-origination-volume/) [rising]: $504.64 billion
- [Mortgages With Less Than 10 Percent Equity](https://americandefault.org/indicators/mortgages-with-less-than-10-percent-equity/) [rising]: 4.7%
- [Motor Vehicle Insurance CPI](https://americandefault.org/indicators/motor-vehicle-insurance-cpi/): -5.13%
- [Multiple Jobholders Share of Employment (also tracked as The Second Job)](https://americandefault.org/indicators/the-second-job/): 5.5%
- [NFCI Non-Financial Leverage Subindex (also tracked as The Tightening)](https://americandefault.org/indicators/the-tightening/): -0.5
- [Part-Time for Economic Reasons](https://americandefault.org/indicators/part-time-for-economic-reasons/): 4.5 million
- [Personal Saving Rate (also tracked as The Buffer)](https://americandefault.org/indicators/the-buffer/) [falling]: 4.1%
- [Prescription Drug CPI](https://americandefault.org/indicators/prescription-drug-cpi/): -2.95%
- [Prime-Age Employment Rate (25-54) (also tracked as The Prime Years)](https://americandefault.org/indicators/the-prime-years/) [rising]: 80.7%
- [Productivity-Pay Wedge (also tracked as The Wedge)](https://americandefault.org/indicators/the-wedge/) [rising]: 109.9
- [Real Federal Minimum Wage (also tracked as The Floor)](https://americandefault.org/indicators/the-floor/) [falling]: $2.2
- [Real Median Weekly Earnings (also tracked as The Median Check)](https://americandefault.org/indicators/the-median-check/): $378
- [Real Production & Nonsupervisory Wage (also tracked as Shop Floor Pay)](https://americandefault.org/indicators/shop-floor-pay/): $9.7
- [Residential Electricity Disconnections](https://americandefault.org/indicators/utility-service-disconnections/): 13.45 million
- [Revolving Credit Utilization (75th Percentile)](https://americandefault.org/indicators/revolving-credit-utilization-75th-percentile/) [falling]: 49.67%
- [Senior Loan Officer Survey: Banks Tightening Standards](https://americandefault.org/indicators/senior-loan-officer-survey-banks-tightening-standards/) [falling]: 6.7%
- [Serious Delinquency Rate (90+ days, All Loan Types)](https://americandefault.org/indicators/serious-delinquency-rate-90-days-all-loan-types/) [rising]: 3.31%
- [Serious Delinquency Rate, Fannie Mae and Freddie Mac Loans](https://americandefault.org/indicators/serious-delinquency-rate-fannie-mae-and-freddie-mac-loans/) [rising]: 0.59%
- [Share of Adults Who Would Use Savings for a $1,000 Emergency (also tracked as The Safety Net)](https://americandefault.org/indicators/the-safety-net/): 30%
- [Share of Bank of America Checking Households Living Paycheck to Paycheck (also tracked as The Squeeze)](https://americandefault.org/indicators/the-squeeze/) [rising]: 24%
- [Share of Student Loan Balances 90+ Days Delinquent](https://americandefault.org/indicators/student-loan-delinquency-rate-90-days/) [rising]: 10.6%
- [SHED Emergency Savings Survey (also tracked as The $400 Test)](https://americandefault.org/indicators/the-400-test/): 37%
- [Shelter CPI](https://americandefault.org/indicators/shelter-cpi/): 3.03%
- [SNAP (Food Stamp) Enrollment](https://americandefault.org/indicators/snap-food-stamp-enrollment/) [falling]: 36.35 million
- [States with Credit Card Delinquency Above 10% (also tracked as The Spread)](https://americandefault.org/indicators/the-spread/) [rising]: 36
- [Student Loan Borrowers Behind on Payments or in Collections](https://americandefault.org/indicators/student-loan-payment-burden-of-discretionary-income/) [historical; last verified 2024]: 20%
- [Top vs Bottom Income Quartile Spending Gap (also tracked as The Divergence)](https://americandefault.org/indicators/the-divergence/) [falling]: -13.9 percentage points
- [Total Consumer Credit Outstanding](https://americandefault.org/indicators/total-consumer-credit-outstanding/): $5.2 trillion
- [Total Credit Card Debt Outstanding (also tracked as Plastic Ceiling)](https://americandefault.org/indicators/plastic-ceiling/) [rising]: $1.26 trillion
- [Total Delinquency Rate (All Loan Types) (also tracked as Falling Behind)](https://americandefault.org/indicators/falling-behind/) [rising]: 4.73%
- [Total Household Debt](https://americandefault.org/indicators/total-household-debt/) [rising]: $18.77 trillion
- [Total Nonfarm Payrolls](https://americandefault.org/indicators/total-nonfarm-payrolls/): 159.04 million
- [Total Revolving Credit Outstanding](https://americandefault.org/indicators/total-revolving-credit-outstanding/) [rising]: $1.35 trillion
- [TransUnion Credit Card Borrower Delinquency (also tracked as The Risk Reset)](https://americandefault.org/indicators/the-risk-reset/) [rising]: 2.26%
- [U-6 Underemployment Rate](https://americandefault.org/indicators/u-6-underemployment-rate/): 7.6%
- [Unbanked Household Rate (FDIC)](https://americandefault.org/indicators/unbanked-underbanked-household-rate/): 4.2%
- [Underwater Mortgages (Owing More Than the Home Is Worth)](https://americandefault.org/indicators/underwater-mortgages-owing-more-than-the-home-is-worth/): 0.3%
- [Unemployment Rate](https://americandefault.org/indicators/unemployment-rate/): 4.2%
- [Union Membership Rate (also tracked as The Union Card)](https://americandefault.org/indicators/the-union-card/): 10%
- [University of Michigan Consumer Sentiment Index (also tracked as The Mood Ring)](https://americandefault.org/indicators/the-mood-ring/) [falling]: 48.1
- [Vanguard Hardship Withdrawal Rate (also tracked as The Cannibalization Rate)](https://americandefault.org/indicators/the-cannibalization-rate/) [rising]: 6%
- [Wage Growth vs CPI Spread](https://americandefault.org/indicators/wage-growth-vs-cpi-spread/) [falling]: 0.7 percentage points
- [Youth Unemployment Rate (16-24)](https://americandefault.org/indicators/youth-unemployment-rate-16-24/): 9.9%

## Machine Layer — Agent Endpoints

This section catalogs every machine-consumable surface. All endpoints are free to use with attribution (see Canonical Attribution above).

### Structured Claim Primitives (composition library)

Every numeric claim on americandefault.org is rendered through one of 15 composition primitives, not hand-written prose. This is an architectural guarantee: raw numbers in prose fail the build. Agents that parse our pages can rely on the fact that any value-bearing phrase resolves from a versioned indicator bundle.

The core primitives:

- `LatestValue` — current value of an indicator with unit formatting (e.g. "4.00% in February 2026")
- `PeriodChange` — change over a named window: year-over-year, since-peak, crisis episode, out-of-range delta
- `Direction` — "rising" / "falling" / "flat" with recency window and sign-flip safety
- `RankSince` — "lowest since 2007" / "highest since the GFC peak" — epoch-qualified extrema
- `Superlative` — all-time peaks and troughs with epoch qualifiers
- `Streak` — sustained runs above or below a threshold, with natural-English duration phrasing
- `CrossCountyRank` — "Dougherty County ranks 12th of 3,144 on Delinquency"
- `ClaimSentence` — templated sentences with pre-computed arithmetic bindings

Primitives read from indicator bundles at `site/src/data/indicator-bundles/{slug}.json`. Schema contract: `site/tests/schemas/indicator-bundle.schema.json` in the repository, generated from the authoritative TypeScript interface at `site/src/components/claims/primitives/types.ts`. Bundle contents include latest snapshot, full historical series, pre-computed aggregates (period averages, crisis deltas, all-time extremes, sustained runs, sign-flip detection), and optional cross-indicator references.

### MCP Server (Model Context Protocol)

Native MCP endpoint exposing indicators and counties as six read-only tool endpoints with schemas, rate limits, and version gates. Tool endpoints include original-shape `get_indicator(slug)` v1 under its byte-identical public JSON Schema, explicit `get_indicator_v2(slug, response_version="v2")` with comparison-safety metadata, `get_county_scorecard(fips)`, `get_adi_composite()`, `search_indicators(query)`, and `get_cross_correlations(indicator)`. The five legacy tools retain `schema_version: "v1"`; the explicit indicator v2 tool returns `schema_version: "v2"`, and unsupported versions fail closed.

Endpoint: https://mcp.americandefault.org/mcp
Transport: Streamable HTTP.
Anonymous tier (no key): 10 calls/minute, 60/hour, per IP block. Plenty for normal agent use.
Issued tier (60 calls/minute, 600/hour): request via https://americandefault.org/press/mcp/
Connection examples (Python SDK, Claude Desktop config), tool reference, and citation guidance: https://americandefault.org/press/mcp/

### JSON Endpoints

- [Index Product Authority](https://americandefault.org/api/index-products.json): Canonical identities, versions, promotion states, data vintages, licenses, coverage, downloads, and MCP profiles for the American Distress Index, CDI, and SDI
- [American Distress Index Current + History](https://americandefault.org/api/adi.json): Current score with band and rank in its own published history, domain scores, member percentiles, full quarterly history
- [All Indicators](https://americandefault.org/api/indicators.json): 109 indicators with current or last-verified readings, status, trends, and page URLs
- [Leading Indicator Research](https://americandefault.org/api/research/leading-indicators.json): Validated leading relationships with correlation, lag, Granger causality, out-of-sample validation
- [Per-indicator JSON](https://americandefault.org/api/indicators/{slug}.json): Full historical data; replace `{slug}` with any indicator slug from the list below

### CSV Downloads

- [CSV: Current Indicators Latest](https://americandefault.org/api/downloads/all-indicators-latest.csv): Latest values for current indicators in CSV; historical series are excluded
- [CSV: American Distress Index History](https://americandefault.org/api/downloads/adi.csv): Quarterly composite with band labels and 5 domain scores
- [CSV: State Debt Statistics](https://americandefault.org/api/downloads/state-debt-statistics.csv): 51-state debt and delinquency metrics
- [Per-indicator CSV](https://americandefault.org/api/downloads/{slug}.csv): Full series; replace `{slug}` with any indicator slug

### Citation Exports (per-indicator)

Machine-readable bibliography entries for every tracked indicator.

- [BibTeX](https://americandefault.org/citations/{slug}.bib): `@dataset` entry with `author`, `title`, `year`, `publisher`, `url`, `note`
- [RIS](https://americandefault.org/citations/{slug}.ris): Reference Manager / EndNote import format

Replace `{slug}` with any indicator slug from the list below.

### Embed Routes (iframe-safe)

- [Indicator embed](https://americandefault.org/embed/{slug}/): Thinned chart + source attribution, `X-Frame-Options: ALLOWALL`. Replace `{slug}` with any indicator slug.
- [County embed](https://americandefault.org/embed/county/{fips}/): Scorecard summary + CDI rank + attribution lock. Replace `{fips}` with a 5-digit county FIPS code.

### RSS Feed

- [RSS 2.0](https://americandefault.org/feed.xml): Indicators sorted by `last_updated`. Subscribe for auto-notification when any tracked indicator refreshes.

### Sitemaps

- [Sitemap index](https://americandefault.org/sitemap-index.xml): Entry point for all per-collection sitemap chunks (counties, indicators, statistics, analysis, help, states, glossary, servicers, tools, directory)

### Schema.org JSON-LD

Every page embeds structured data where applicable. Schema types in use: `Organization` (American Default Research), `Person` (Ross Kilburn), `Dataset` (American Distress Index, CDI, each indicator), `Article`, `DefinedTerm` (glossary entries), `FAQPage`, `StatisticalPopulation` (state/county data points), and `WebSite` with SearchAction. All include `dateModified` for freshness signaling.

### Per-Indicator Endpoint Index

Full list of indicators with markdown, JSON, CSV, and BibTeX endpoint URLs:

- 401(k) Loan Outstanding Rate: [Markdown](https://americandefault.org/for-llms/401-k-loan-outstanding-rate.md) · [JSON](https://americandefault.org/api/indicators/401-k-loan-outstanding-rate.json) · [CSV](https://americandefault.org/api/downloads/401-k-loan-outstanding-rate.csv) · [BibTeX](https://americandefault.org/citations/401-k-loan-outstanding-rate.bib)
- Adults Who Paid Less or Skipped Bills: [Markdown](https://americandefault.org/for-llms/the-skip-rate.md) · [JSON](https://americandefault.org/api/indicators/the-skip-rate.json) · [CSV](https://americandefault.org/api/downloads/the-skip-rate.csv) · [BibTeX](https://americandefault.org/citations/the-skip-rate.bib)
- AI Share of Indeed Job Postings: [Markdown](https://americandefault.org/for-llms/ai-job-posting-share-of-total.md) · [JSON](https://americandefault.org/api/indicators/ai-job-posting-share-of-total.json) · [CSV](https://americandefault.org/api/downloads/ai-job-posting-share-of-total.csv) · [BibTeX](https://americandefault.org/citations/ai-job-posting-share-of-total.bib)
- AI-Attributed Layoff Announcements: [Markdown](https://americandefault.org/for-llms/the-ai-cut.md) · [JSON](https://americandefault.org/api/indicators/the-ai-cut.json) · [CSV](https://americandefault.org/api/downloads/the-ai-cut.csv) · [BibTeX](https://americandefault.org/citations/the-ai-cut.bib)
- Atlanta Fed Wage Growth Tracker (1st Quartile): [Markdown](https://americandefault.org/for-llms/atlanta-fed-wage-growth-tracker-1st-quartile.md) · [JSON](https://americandefault.org/api/indicators/atlanta-fed-wage-growth-tracker-1st-quartile.json) · [CSV](https://americandefault.org/api/downloads/atlanta-fed-wage-growth-tracker-1st-quartile.csv) · [BibTeX](https://americandefault.org/citations/atlanta-fed-wage-growth-tracker-1st-quartile.bib)
- Auto Insurance Inflation Premium (Auto CPI minus Overall CPI): [Markdown](https://americandefault.org/for-llms/the-coverage-tax.md) · [JSON](https://americandefault.org/api/indicators/the-coverage-tax.json) · [CSV](https://americandefault.org/api/downloads/the-coverage-tax.csv) · [BibTeX](https://americandefault.org/citations/the-coverage-tax.bib)
- Auto Loans 90+ Days Past Due: [Markdown](https://americandefault.org/for-llms/the-repo-line.md) · [JSON](https://americandefault.org/api/indicators/the-repo-line.json) · [CSV](https://americandefault.org/api/downloads/the-repo-line.csv) · [BibTeX](https://americandefault.org/citations/the-repo-line.bib)
- Bankcard Balances 60+ Days Past Due (Equifax): [Markdown](https://americandefault.org/for-llms/the-60-day-line.md) · [JSON](https://americandefault.org/api/indicators/the-60-day-line.json) · [CSV](https://americandefault.org/api/downloads/the-60-day-line.csv) · [BibTeX](https://americandefault.org/citations/the-60-day-line.bib)
- Bankruptcy Chapter 7 to Chapter 13 Filing Ratio: [Markdown](https://americandefault.org/for-llms/the-wipeout-ratio.md) · [JSON](https://americandefault.org/api/indicators/the-wipeout-ratio.json) · [CSV](https://americandefault.org/api/downloads/the-wipeout-ratio.csv) · [BibTeX](https://americandefault.org/citations/the-wipeout-ratio.bib)
- Bankruptcy Filings YoY Change: [Markdown](https://americandefault.org/for-llms/bankruptcy-filings.md) · [JSON](https://americandefault.org/api/indicators/bankruptcy-filings.json) · [CSV](https://americandefault.org/api/downloads/bankruptcy-filings.csv) · [BibTeX](https://americandefault.org/citations/bankruptcy-filings.bib)
- Bottom-Half Share of Household Wealth: [Markdown](https://americandefault.org/for-llms/the-bottom-half.md) · [JSON](https://americandefault.org/api/indicators/the-bottom-half.json) · [CSV](https://americandefault.org/api/downloads/the-bottom-half.csv) · [BibTeX](https://americandefault.org/citations/the-bottom-half.bib)
- Bottom-Quartile Wage Growth vs. Inflation: [Markdown](https://americandefault.org/for-llms/the-k-shape.md) · [JSON](https://americandefault.org/api/indicators/the-k-shape.json) · [CSV](https://americandefault.org/api/downloads/the-k-shape.csv) · [BibTeX](https://americandefault.org/citations/the-k-shape.bib)
- Business AI Adoption Rate: [Markdown](https://americandefault.org/for-llms/the-adoption-curve.md) · [JSON](https://americandefault.org/api/indicators/the-adoption-curve.json) · [CSV](https://americandefault.org/api/downloads/the-adoption-curve.csv) · [BibTeX](https://americandefault.org/citations/the-adoption-curve.bib)
- Buy Now Pay Later Lending Volume: [Markdown](https://americandefault.org/for-llms/phantom-debt.md) · [JSON](https://americandefault.org/api/indicators/phantom-debt.json) · [CSV](https://americandefault.org/api/downloads/phantom-debt.csv) · [BibTeX](https://americandefault.org/citations/phantom-debt.bib)
- CFPB Consumer Complaint Volume: [Markdown](https://americandefault.org/for-llms/cfpb-consumer-complaint-volume.md) · [JSON](https://americandefault.org/api/indicators/cfpb-consumer-complaint-volume.json) · [CSV](https://americandefault.org/api/downloads/cfpb-consumer-complaint-volume.csv) · [BibTeX](https://americandefault.org/citations/cfpb-consumer-complaint-volume.bib)
- Challenger Job Cut Announcements: [Markdown](https://americandefault.org/for-llms/pink-slips.md) · [JSON](https://americandefault.org/api/indicators/pink-slips.json) · [CSV](https://americandefault.org/api/downloads/pink-slips.csv) · [BibTeX](https://americandefault.org/citations/pink-slips.bib)
- Chapter 13 Bankruptcy Filings (YoY % Change): [Markdown](https://americandefault.org/for-llms/chapter-13-bankruptcy-filings-yoy-change.md) · [JSON](https://americandefault.org/api/indicators/chapter-13-bankruptcy-filings-yoy-change.json) · [CSV](https://americandefault.org/api/downloads/chapter-13-bankruptcy-filings-yoy-change.csv) · [BibTeX](https://americandefault.org/citations/chapter-13-bankruptcy-filings-yoy-change.bib)
- Chapter 7 Bankruptcy Filings (YoY % Change): [Markdown](https://americandefault.org/for-llms/chapter-7-bankruptcy-filings-yoy-change.md) · [JSON](https://americandefault.org/api/indicators/chapter-7-bankruptcy-filings-yoy-change.json) · [CSV](https://americandefault.org/api/downloads/chapter-7-bankruptcy-filings-yoy-change.csv) · [BibTeX](https://americandefault.org/citations/chapter-7-bankruptcy-filings-yoy-change.bib)
- Charge-Off Rate on All Loans: [Markdown](https://americandefault.org/for-llms/charge-off-rate-on-all-loans.md) · [JSON](https://americandefault.org/api/indicators/charge-off-rate-on-all-loans.json) · [CSV](https://americandefault.org/api/downloads/charge-off-rate-on-all-loans.csv) · [BibTeX](https://americandefault.org/citations/charge-off-rate-on-all-loans.bib)
- Charge-Off Rate on Credit Card Loans: [Markdown](https://americandefault.org/for-llms/charge-off-rate-on-credit-card-loans.md) · [JSON](https://americandefault.org/api/indicators/charge-off-rate-on-credit-card-loans.json) · [CSV](https://americandefault.org/api/downloads/charge-off-rate-on-credit-card-loans.csv) · [BibTeX](https://americandefault.org/citations/charge-off-rate-on-credit-card-loans.bib)
- Charge-Off Rate on Single-Family Residential Mortgages: [Markdown](https://americandefault.org/for-llms/charge-off-rate-on-single-family-residential-mortgages.md) · [JSON](https://americandefault.org/api/indicators/charge-off-rate-on-single-family-residential-mortgages.json) · [CSV](https://americandefault.org/api/downloads/charge-off-rate-on-single-family-residential-mortgages.csv) · [BibTeX](https://americandefault.org/citations/charge-off-rate-on-single-family-residential-mortgages.bib)
- Commercial Bank Interest Rate on Credit Card Plans: [Markdown](https://americandefault.org/for-llms/the-card-tax.md) · [JSON](https://americandefault.org/api/indicators/the-card-tax.json) · [CSV](https://americandefault.org/api/downloads/the-card-tax.csv) · [BibTeX](https://americandefault.org/citations/the-card-tax.bib)
- Conference Board Consumer Expectations Index: [Markdown](https://americandefault.org/for-llms/the-warning-light.md) · [JSON](https://americandefault.org/api/indicators/the-warning-light.json) · [CSV](https://americandefault.org/api/downloads/the-warning-light.csv) · [BibTeX](https://americandefault.org/citations/the-warning-light.bib)
- Continued Unemployment Claims (SA): [Markdown](https://americandefault.org/for-llms/continued-unemployment-claims-sa.md) · [JSON](https://americandefault.org/api/indicators/continued-unemployment-claims-sa.json) · [CSV](https://americandefault.org/api/downloads/continued-unemployment-claims-sa.csv) · [BibTeX](https://americandefault.org/citations/continued-unemployment-claims-sa.bib)
- Cotality Current-to-30-Day Mortgage Transition Rate: [Markdown](https://americandefault.org/for-llms/first-missed.md) · [JSON](https://americandefault.org/api/indicators/first-missed.json) · [CSV](https://americandefault.org/api/downloads/first-missed.csv) · [BibTeX](https://americandefault.org/citations/first-missed.bib)
- CPI Inflation Rate (All Items): [Markdown](https://americandefault.org/for-llms/cpi-inflation-rate-all-items.md) · [JSON](https://americandefault.org/api/indicators/cpi-inflation-rate-all-items.json) · [CSV](https://americandefault.org/api/downloads/cpi-inflation-rate-all-items.csv) · [BibTeX](https://americandefault.org/citations/cpi-inflation-rate-all-items.bib)
- Credit Card Delinquency at Banks Outside the Top 100: [Markdown](https://americandefault.org/for-llms/the-other-banks.md) · [JSON](https://americandefault.org/api/indicators/the-other-banks.json) · [CSV](https://americandefault.org/api/downloads/the-other-banks.csv) · [BibTeX](https://americandefault.org/citations/the-other-banks.bib)
- Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest: [Markdown](https://americandefault.org/for-llms/large-vs-small-bank-credit-card-delinquency-spread.md) · [JSON](https://americandefault.org/api/indicators/large-vs-small-bank-credit-card-delinquency-spread.json) · [CSV](https://americandefault.org/api/downloads/large-vs-small-bank-credit-card-delinquency-spread.csv) · [BibTeX](https://americandefault.org/citations/large-vs-small-bank-credit-card-delinquency-spread.bib)
- Delinquency Rate on Consumer Loans (ex credit card): [Markdown](https://americandefault.org/for-llms/delinquency-rate-on-consumer-loans-ex-credit-card.md) · [JSON](https://americandefault.org/api/indicators/delinquency-rate-on-consumer-loans-ex-credit-card.json) · [CSV](https://americandefault.org/api/downloads/delinquency-rate-on-consumer-loans-ex-credit-card.csv) · [BibTeX](https://americandefault.org/citations/delinquency-rate-on-consumer-loans-ex-credit-card.bib)
- Delinquency Rate on Credit Card Loans: [Markdown](https://americandefault.org/for-llms/the-late-fee.md) · [JSON](https://americandefault.org/api/indicators/the-late-fee.json) · [CSV](https://americandefault.org/api/downloads/the-late-fee.csv) · [BibTeX](https://americandefault.org/citations/the-late-fee.bib)
- Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks: [Markdown](https://americandefault.org/for-llms/mortgage-delinquency-rate.md) · [JSON](https://americandefault.org/api/indicators/mortgage-delinquency-rate.json) · [CSV](https://americandefault.org/api/downloads/mortgage-delinquency-rate.csv) · [BibTeX](https://americandefault.org/citations/mortgage-delinquency-rate.bib)
- Difficulty Paying Usual Household Expenses: [Markdown](https://americandefault.org/for-llms/the-pinch.md) · [JSON](https://americandefault.org/api/indicators/the-pinch.json) · [CSV](https://americandefault.org/api/downloads/the-pinch.csv) · [BibTeX](https://americandefault.org/citations/the-pinch.bib)
- Energy Cost Burden (Energy PCE as % of Disposable Income): [Markdown](https://americandefault.org/for-llms/the-energy-squeeze.md) · [JSON](https://americandefault.org/api/indicators/the-energy-squeeze.json) · [CSV](https://americandefault.org/api/downloads/the-energy-squeeze.csv) · [BibTeX](https://americandefault.org/citations/the-energy-squeeze.bib)
- Energy Price Inflation (CPI): [Markdown](https://americandefault.org/for-llms/energy-cpi-all-items.md) · [JSON](https://americandefault.org/api/indicators/energy-cpi-all-items.json) · [CSV](https://americandefault.org/api/downloads/energy-cpi-all-items.csv) · [BibTeX](https://americandefault.org/citations/energy-cpi-all-items.bib)
- Family Income Inequality (Gini): [Markdown](https://americandefault.org/for-llms/the-divide.md) · [JSON](https://americandefault.org/api/indicators/the-divide.json) · [CSV](https://americandefault.org/api/downloads/the-divide.csv) · [BibTeX](https://americandefault.org/citations/the-divide.bib)
- Fannie Mae and Freddie Mac Loans in Forbearance: [Markdown](https://americandefault.org/for-llms/fannie-mae-and-freddie-mac-loans-in-forbearance.md) · [JSON](https://americandefault.org/api/indicators/fannie-mae-and-freddie-mac-loans-in-forbearance.json) · [CSV](https://americandefault.org/api/downloads/fannie-mae-and-freddie-mac-loans-in-forbearance.csv) · [BibTeX](https://americandefault.org/citations/fannie-mae-and-freddie-mac-loans-in-forbearance.bib)
- Federal Customs Duties as % of Disposable Personal Income: [Markdown](https://americandefault.org/for-llms/the-import-tax.md) · [JSON](https://americandefault.org/api/indicators/the-import-tax.json) · [CSV](https://americandefault.org/api/downloads/the-import-tax.csv) · [BibTeX](https://americandefault.org/citations/the-import-tax.bib)
- FHA Mortgage Delinquency Rate: [Markdown](https://americandefault.org/for-llms/the-fha-signal.md) · [JSON](https://americandefault.org/api/indicators/the-fha-signal.json) · [CSV](https://americandefault.org/api/downloads/the-fha-signal.csv) · [BibTeX](https://americandefault.org/citations/the-fha-signal.bib)
- Financially Healthy Households (Financial Health Network): [Markdown](https://americandefault.org/for-llms/financial-health-score-fhn-finhealth-survey.md) · [JSON](https://americandefault.org/api/indicators/financial-health-score-fhn-finhealth-survey.json) · [CSV](https://americandefault.org/api/downloads/financial-health-score-fhn-finhealth-survey.csv) · [BibTeX](https://americandefault.org/citations/financial-health-score-fhn-finhealth-survey.bib)
- Food Price Inflation (CPI): [Markdown](https://americandefault.org/for-llms/food-price-inflation.md) · [JSON](https://americandefault.org/api/indicators/food-price-inflation.json) · [CSV](https://americandefault.org/api/downloads/food-price-inflation.csv) · [BibTeX](https://americandefault.org/citations/food-price-inflation.bib)
- Foreclosure Filings YoY Change: [Markdown](https://americandefault.org/for-llms/foreclosure-filings.md) · [JSON](https://americandefault.org/api/indicators/foreclosure-filings.json) · [CSV](https://americandefault.org/api/downloads/foreclosure-filings.csv) · [BibTeX](https://americandefault.org/citations/foreclosure-filings.bib)
- Foreclosure Prevention Actions Completed, Fannie Mae and Freddie Mac Loans: [Markdown](https://americandefault.org/for-llms/foreclosure-prevention-actions-completed-fannie-mae-and-freddie-mac-loans.md) · [JSON](https://americandefault.org/api/indicators/foreclosure-prevention-actions-completed-fannie-mae-and-freddie-mac-loans.json) · [CSV](https://americandefault.org/api/downloads/foreclosure-prevention-actions-completed-fannie-mae-and-freddie-mac-loans.csv) · [BibTeX](https://americandefault.org/citations/foreclosure-prevention-actions-completed-fannie-mae-and-freddie-mac-loans.bib)
- Foreclosure Starts vs. Bank Repossessions: [Markdown](https://americandefault.org/for-llms/the-pipeline.md) · [JSON](https://americandefault.org/api/indicators/the-pipeline.json) · [CSV](https://americandefault.org/api/downloads/the-pipeline.csv) · [BibTeX](https://americandefault.org/citations/the-pipeline.bib)
- Foreclosure Starts, Fannie Mae and Freddie Mac Loans: [Markdown](https://americandefault.org/for-llms/foreclosure-starts-fannie-mae-and-freddie-mac-loans.md) · [JSON](https://americandefault.org/api/indicators/foreclosure-starts-fannie-mae-and-freddie-mac-loans.json) · [CSV](https://americandefault.org/api/downloads/foreclosure-starts-fannie-mae-and-freddie-mac-loans.csv) · [BibTeX](https://americandefault.org/citations/foreclosure-starts-fannie-mae-and-freddie-mac-loans.bib)
- Gas Price to Pay Ratio: [Markdown](https://americandefault.org/for-llms/the-pump-tax.md) · [JSON](https://americandefault.org/api/indicators/the-pump-tax.json) · [CSV](https://americandefault.org/api/downloads/the-pump-tax.csv) · [BibTeX](https://americandefault.org/citations/the-pump-tax.bib)
- Grocery Affordability Gap: [Markdown](https://americandefault.org/for-llms/the-grocery-gap.md) · [JSON](https://americandefault.org/api/indicators/the-grocery-gap.json) · [CSV](https://americandefault.org/api/downloads/the-grocery-gap.csv) · [BibTeX](https://americandefault.org/citations/the-grocery-gap.bib)
- Grocery Prices Cumulative Change Since Jan 2020: [Markdown](https://americandefault.org/for-llms/grocery-prices-cumulative-change-since-jan-2020.md) · [JSON](https://americandefault.org/api/indicators/grocery-prices-cumulative-change-since-jan-2020.json) · [CSV](https://americandefault.org/api/downloads/grocery-prices-cumulative-change-since-jan-2020.csv) · [BibTeX](https://americandefault.org/citations/grocery-prices-cumulative-change-since-jan-2020.bib)
- Healthcare Inflation Premium (Medical CPI minus Overall CPI): [Markdown](https://americandefault.org/for-llms/healthcare-inflation-premium-medical-cpi-minus-overall-cpi.md) · [JSON](https://americandefault.org/api/indicators/healthcare-inflation-premium-medical-cpi-minus-overall-cpi.json) · [CSV](https://americandefault.org/api/downloads/healthcare-inflation-premium-medical-cpi-minus-overall-cpi.csv) · [BibTeX](https://americandefault.org/citations/healthcare-inflation-premium-medical-cpi-minus-overall-cpi.bib)
- HELOC Balances Outstanding: [Markdown](https://americandefault.org/for-llms/heloc-balance-growth.md) · [JSON](https://americandefault.org/api/indicators/heloc-balance-growth.json) · [CSV](https://americandefault.org/api/downloads/heloc-balance-growth.csv) · [BibTeX](https://americandefault.org/citations/heloc-balance-growth.bib)
- Homelessness: HUD Point-in-Time Count: [Markdown](https://americandefault.org/for-llms/annual-homelessness-assessment-pit-count.md) · [JSON](https://americandefault.org/api/indicators/annual-homelessness-assessment-pit-count.json) · [CSV](https://americandefault.org/api/downloads/annual-homelessness-assessment-pit-count.csv) · [BibTeX](https://americandefault.org/citations/annual-homelessness-assessment-pit-count.bib)
- Household Debt Service Ratio: [Markdown](https://americandefault.org/for-llms/debt-service.md) · [JSON](https://americandefault.org/api/indicators/debt-service.json) · [CSV](https://americandefault.org/api/downloads/debt-service.csv) · [BibTeX](https://americandefault.org/citations/debt-service.bib)
- Household Food Insecurity Rate: [Markdown](https://americandefault.org/for-llms/household-food-insecurity-rate.md) · [JSON](https://americandefault.org/api/indicators/household-food-insecurity-rate.json) · [CSV](https://americandefault.org/api/downloads/household-food-insecurity-rate.csv) · [BibTeX](https://americandefault.org/citations/household-food-insecurity-rate.bib)
- Indeed Job Postings Index (US): [Markdown](https://americandefault.org/for-llms/indeed-job-postings-index-us.md) · [JSON](https://americandefault.org/api/indicators/indeed-job-postings-index-us.json) · [CSV](https://americandefault.org/api/downloads/indeed-job-postings-index-us.csv) · [BibTeX](https://americandefault.org/citations/indeed-job-postings-index-us.bib)
- Information Sector Job Openings (NAICS 51): [Markdown](https://americandefault.org/for-llms/the-tech-drought.md) · [JSON](https://americandefault.org/api/indicators/the-tech-drought.json) · [CSV](https://americandefault.org/api/downloads/the-tech-drought.csv) · [BibTeX](https://americandefault.org/citations/the-tech-drought.bib)
- Initial Unemployment Claims (SA): [Markdown](https://americandefault.org/for-llms/initial-unemployment-claims-sa.md) · [JSON](https://americandefault.org/api/indicators/initial-unemployment-claims-sa.json) · [CSV](https://americandefault.org/api/downloads/initial-unemployment-claims-sa.csv) · [BibTeX](https://americandefault.org/citations/initial-unemployment-claims-sa.bib)
- Involuntary Part-Time Share of Employment: [Markdown](https://americandefault.org/for-llms/the-short-shift.md) · [JSON](https://americandefault.org/api/indicators/the-short-shift.json) · [CSV](https://americandefault.org/api/downloads/the-short-shift.csv) · [BibTeX](https://americandefault.org/citations/the-short-shift.bib)
- JOLTS Quits Rate: [Markdown](https://americandefault.org/for-llms/jolts-quits-rate.md) · [JSON](https://americandefault.org/api/indicators/jolts-quits-rate.json) · [CSV](https://americandefault.org/api/downloads/jolts-quits-rate.csv) · [BibTeX](https://americandefault.org/citations/jolts-quits-rate.bib)
- Labor Share of Nonfarm Business Output: [Markdown](https://americandefault.org/for-llms/the-split.md) · [JSON](https://americandefault.org/api/indicators/the-split.json) · [CSV](https://americandefault.org/api/downloads/the-split.csv) · [BibTeX](https://americandefault.org/citations/the-split.bib)
- Loan Modifications Completed, Fannie Mae and Freddie Mac Loans: [Markdown](https://americandefault.org/for-llms/loan-modifications-completed-fannie-mae-and-freddie-mac-loans.md) · [JSON](https://americandefault.org/api/indicators/loan-modifications-completed-fannie-mae-and-freddie-mac-loans.json) · [CSV](https://americandefault.org/api/downloads/loan-modifications-completed-fannie-mae-and-freddie-mac-loans.csv) · [BibTeX](https://americandefault.org/citations/loan-modifications-completed-fannie-mae-and-freddie-mac-loans.bib)
- Long-Term Unemployed Share (27+ Weeks): [Markdown](https://americandefault.org/for-llms/the-long-haul.md) · [JSON](https://americandefault.org/api/indicators/the-long-haul.json) · [CSV](https://americandefault.org/api/downloads/the-long-haul.csv) · [BibTeX](https://americandefault.org/citations/the-long-haul.bib)
- Median Sale Price of New Houses (US): [Markdown](https://americandefault.org/for-llms/median-sales-price-of-houses-sold-us.md) · [JSON](https://americandefault.org/api/indicators/median-sales-price-of-houses-sold-us.json) · [CSV](https://americandefault.org/api/downloads/median-sales-price-of-houses-sold-us.csv) · [BibTeX](https://americandefault.org/citations/median-sales-price-of-houses-sold-us.bib)
- Medicaid / CHIP Enrollment: [Markdown](https://americandefault.org/for-llms/medicaid-chip-enrollment-monthly.md) · [JSON](https://americandefault.org/api/indicators/medicaid-chip-enrollment-monthly.json) · [CSV](https://americandefault.org/api/downloads/medicaid-chip-enrollment-monthly.csv) · [BibTeX](https://americandefault.org/citations/medicaid-chip-enrollment-monthly.bib)
- Medical Care CPI: [Markdown](https://americandefault.org/for-llms/medical-care-cpi.md) · [JSON](https://americandefault.org/api/indicators/medical-care-cpi.json) · [CSV](https://americandefault.org/api/downloads/medical-care-cpi.csv) · [BibTeX](https://americandefault.org/citations/medical-care-cpi.bib)
- METR 50% Task-Completion Horizon: [Markdown](https://americandefault.org/for-llms/the-horizon.md) · [JSON](https://americandefault.org/api/indicators/the-horizon.json) · [CSV](https://americandefault.org/api/downloads/the-horizon.csv) · [BibTeX](https://americandefault.org/citations/the-horizon.bib)
- Monthly FHA Loan Endorsements: [Markdown](https://americandefault.org/for-llms/monthly-fha-loan-endorsements.md) · [JSON](https://americandefault.org/api/indicators/monthly-fha-loan-endorsements.json) · [CSV](https://americandefault.org/api/downloads/monthly-fha-loan-endorsements.csv) · [BibTeX](https://americandefault.org/citations/monthly-fha-loan-endorsements.bib)
- Mortgage Debt Service Ratio: [Markdown](https://americandefault.org/for-llms/mortgage-debt-service-ratio.md) · [JSON](https://americandefault.org/api/indicators/mortgage-debt-service-ratio.json) · [CSV](https://americandefault.org/api/downloads/mortgage-debt-service-ratio.csv) · [BibTeX](https://americandefault.org/citations/mortgage-debt-service-ratio.bib)
- Mortgage Origination Volume: [Markdown](https://americandefault.org/for-llms/mortgage-origination-volume.md) · [JSON](https://americandefault.org/api/indicators/mortgage-origination-volume.json) · [CSV](https://americandefault.org/api/downloads/mortgage-origination-volume.csv) · [BibTeX](https://americandefault.org/citations/mortgage-origination-volume.bib)
- Mortgages With Less Than 10 Percent Equity: [Markdown](https://americandefault.org/for-llms/mortgages-with-less-than-10-percent-equity.md) · [JSON](https://americandefault.org/api/indicators/mortgages-with-less-than-10-percent-equity.json) · [CSV](https://americandefault.org/api/downloads/mortgages-with-less-than-10-percent-equity.csv) · [BibTeX](https://americandefault.org/citations/mortgages-with-less-than-10-percent-equity.bib)
- Motor Vehicle Insurance CPI: [Markdown](https://americandefault.org/for-llms/motor-vehicle-insurance-cpi.md) · [JSON](https://americandefault.org/api/indicators/motor-vehicle-insurance-cpi.json) · [CSV](https://americandefault.org/api/downloads/motor-vehicle-insurance-cpi.csv) · [BibTeX](https://americandefault.org/citations/motor-vehicle-insurance-cpi.bib)
- Multiple Jobholders Share of Employment: [Markdown](https://americandefault.org/for-llms/the-second-job.md) · [JSON](https://americandefault.org/api/indicators/the-second-job.json) · [CSV](https://americandefault.org/api/downloads/the-second-job.csv) · [BibTeX](https://americandefault.org/citations/the-second-job.bib)
- NFCI Non-Financial Leverage Subindex: [Markdown](https://americandefault.org/for-llms/the-tightening.md) · [JSON](https://americandefault.org/api/indicators/the-tightening.json) · [CSV](https://americandefault.org/api/downloads/the-tightening.csv) · [BibTeX](https://americandefault.org/citations/the-tightening.bib)
- Part-Time for Economic Reasons: [Markdown](https://americandefault.org/for-llms/part-time-for-economic-reasons.md) · [JSON](https://americandefault.org/api/indicators/part-time-for-economic-reasons.json) · [CSV](https://americandefault.org/api/downloads/part-time-for-economic-reasons.csv) · [BibTeX](https://americandefault.org/citations/part-time-for-economic-reasons.bib)
- Personal Saving Rate: [Markdown](https://americandefault.org/for-llms/the-buffer.md) · [JSON](https://americandefault.org/api/indicators/the-buffer.json) · [CSV](https://americandefault.org/api/downloads/the-buffer.csv) · [BibTeX](https://americandefault.org/citations/the-buffer.bib)
- Prescription Drug CPI: [Markdown](https://americandefault.org/for-llms/prescription-drug-cpi.md) · [JSON](https://americandefault.org/api/indicators/prescription-drug-cpi.json) · [CSV](https://americandefault.org/api/downloads/prescription-drug-cpi.csv) · [BibTeX](https://americandefault.org/citations/prescription-drug-cpi.bib)
- Prime-Age Employment Rate (25-54): [Markdown](https://americandefault.org/for-llms/the-prime-years.md) · [JSON](https://americandefault.org/api/indicators/the-prime-years.json) · [CSV](https://americandefault.org/api/downloads/the-prime-years.csv) · [BibTeX](https://americandefault.org/citations/the-prime-years.bib)
- Productivity-Pay Wedge: [Markdown](https://americandefault.org/for-llms/the-wedge.md) · [JSON](https://americandefault.org/api/indicators/the-wedge.json) · [CSV](https://americandefault.org/api/downloads/the-wedge.csv) · [BibTeX](https://americandefault.org/citations/the-wedge.bib)
- Real Federal Minimum Wage: [Markdown](https://americandefault.org/for-llms/the-floor.md) · [JSON](https://americandefault.org/api/indicators/the-floor.json) · [CSV](https://americandefault.org/api/downloads/the-floor.csv) · [BibTeX](https://americandefault.org/citations/the-floor.bib)
- Real Median Weekly Earnings: [Markdown](https://americandefault.org/for-llms/the-median-check.md) · [JSON](https://americandefault.org/api/indicators/the-median-check.json) · [CSV](https://americandefault.org/api/downloads/the-median-check.csv) · [BibTeX](https://americandefault.org/citations/the-median-check.bib)
- Real Production & Nonsupervisory Wage: [Markdown](https://americandefault.org/for-llms/shop-floor-pay.md) · [JSON](https://americandefault.org/api/indicators/shop-floor-pay.json) · [CSV](https://americandefault.org/api/downloads/shop-floor-pay.csv) · [BibTeX](https://americandefault.org/citations/shop-floor-pay.bib)
- Residential Electricity Disconnections: [Markdown](https://americandefault.org/for-llms/utility-service-disconnections.md) · [JSON](https://americandefault.org/api/indicators/utility-service-disconnections.json) · [CSV](https://americandefault.org/api/downloads/utility-service-disconnections.csv) · [BibTeX](https://americandefault.org/citations/utility-service-disconnections.bib)
- Revolving Credit Utilization (75th Percentile): [Markdown](https://americandefault.org/for-llms/revolving-credit-utilization-75th-percentile.md) · [JSON](https://americandefault.org/api/indicators/revolving-credit-utilization-75th-percentile.json) · [CSV](https://americandefault.org/api/downloads/revolving-credit-utilization-75th-percentile.csv) · [BibTeX](https://americandefault.org/citations/revolving-credit-utilization-75th-percentile.bib)
- Senior Loan Officer Survey: Banks Tightening Standards: [Markdown](https://americandefault.org/for-llms/senior-loan-officer-survey-banks-tightening-standards.md) · [JSON](https://americandefault.org/api/indicators/senior-loan-officer-survey-banks-tightening-standards.json) · [CSV](https://americandefault.org/api/downloads/senior-loan-officer-survey-banks-tightening-standards.csv) · [BibTeX](https://americandefault.org/citations/senior-loan-officer-survey-banks-tightening-standards.bib)
- Serious Delinquency Rate (90+ days, All Loan Types): [Markdown](https://americandefault.org/for-llms/serious-delinquency-rate-90-days-all-loan-types.md) · [JSON](https://americandefault.org/api/indicators/serious-delinquency-rate-90-days-all-loan-types.json) · [CSV](https://americandefault.org/api/downloads/serious-delinquency-rate-90-days-all-loan-types.csv) · [BibTeX](https://americandefault.org/citations/serious-delinquency-rate-90-days-all-loan-types.bib)
- Serious Delinquency Rate, Fannie Mae and Freddie Mac Loans: [Markdown](https://americandefault.org/for-llms/serious-delinquency-rate-fannie-mae-and-freddie-mac-loans.md) · [JSON](https://americandefault.org/api/indicators/serious-delinquency-rate-fannie-mae-and-freddie-mac-loans.json) · [CSV](https://americandefault.org/api/downloads/serious-delinquency-rate-fannie-mae-and-freddie-mac-loans.csv) · [BibTeX](https://americandefault.org/citations/serious-delinquency-rate-fannie-mae-and-freddie-mac-loans.bib)
- Share of Adults Who Would Use Savings for a $1,000 Emergency: [Markdown](https://americandefault.org/for-llms/the-safety-net.md) · [JSON](https://americandefault.org/api/indicators/the-safety-net.json) · [CSV](https://americandefault.org/api/downloads/the-safety-net.csv) · [BibTeX](https://americandefault.org/citations/the-safety-net.bib)
- Share of Bank of America Checking Households Living Paycheck to Paycheck: [Markdown](https://americandefault.org/for-llms/the-squeeze.md) · [JSON](https://americandefault.org/api/indicators/the-squeeze.json) · [CSV](https://americandefault.org/api/downloads/the-squeeze.csv) · [BibTeX](https://americandefault.org/citations/the-squeeze.bib)
- Share of Student Loan Balances 90+ Days Delinquent: [Markdown](https://americandefault.org/for-llms/student-loan-delinquency-rate-90-days.md) · [JSON](https://americandefault.org/api/indicators/student-loan-delinquency-rate-90-days.json) · [CSV](https://americandefault.org/api/downloads/student-loan-delinquency-rate-90-days.csv) · [BibTeX](https://americandefault.org/citations/student-loan-delinquency-rate-90-days.bib)
- SHED Emergency Savings Survey: [Markdown](https://americandefault.org/for-llms/the-400-test.md) · [JSON](https://americandefault.org/api/indicators/the-400-test.json) · [CSV](https://americandefault.org/api/downloads/the-400-test.csv) · [BibTeX](https://americandefault.org/citations/the-400-test.bib)
- Shelter CPI: [Markdown](https://americandefault.org/for-llms/shelter-cpi.md) · [JSON](https://americandefault.org/api/indicators/shelter-cpi.json) · [CSV](https://americandefault.org/api/downloads/shelter-cpi.csv) · [BibTeX](https://americandefault.org/citations/shelter-cpi.bib)
- SNAP (Food Stamp) Enrollment: [Markdown](https://americandefault.org/for-llms/snap-food-stamp-enrollment.md) · [JSON](https://americandefault.org/api/indicators/snap-food-stamp-enrollment.json) · [CSV](https://americandefault.org/api/downloads/snap-food-stamp-enrollment.csv) · [BibTeX](https://americandefault.org/citations/snap-food-stamp-enrollment.bib)
- States with Credit Card Delinquency Above 10%: [Markdown](https://americandefault.org/for-llms/the-spread.md) · [JSON](https://americandefault.org/api/indicators/the-spread.json) · [CSV](https://americandefault.org/api/downloads/the-spread.csv) · [BibTeX](https://americandefault.org/citations/the-spread.bib)
- Student Loan Borrowers Behind on Payments or in Collections: [Markdown](https://americandefault.org/for-llms/student-loan-payment-burden-of-discretionary-income.md) · [JSON](https://americandefault.org/api/indicators/student-loan-payment-burden-of-discretionary-income.json) · [CSV](https://americandefault.org/api/downloads/student-loan-payment-burden-of-discretionary-income.csv) · [BibTeX](https://americandefault.org/citations/student-loan-payment-burden-of-discretionary-income.bib)
- Top vs Bottom Income Quartile Spending Gap: [Markdown](https://americandefault.org/for-llms/the-divergence.md) · [JSON](https://americandefault.org/api/indicators/the-divergence.json) · [CSV](https://americandefault.org/api/downloads/the-divergence.csv) · [BibTeX](https://americandefault.org/citations/the-divergence.bib)
- Total Consumer Credit Outstanding: [Markdown](https://americandefault.org/for-llms/total-consumer-credit-outstanding.md) · [JSON](https://americandefault.org/api/indicators/total-consumer-credit-outstanding.json) · [CSV](https://americandefault.org/api/downloads/total-consumer-credit-outstanding.csv) · [BibTeX](https://americandefault.org/citations/total-consumer-credit-outstanding.bib)
- Total Credit Card Debt Outstanding: [Markdown](https://americandefault.org/for-llms/plastic-ceiling.md) · [JSON](https://americandefault.org/api/indicators/plastic-ceiling.json) · [CSV](https://americandefault.org/api/downloads/plastic-ceiling.csv) · [BibTeX](https://americandefault.org/citations/plastic-ceiling.bib)
- Total Delinquency Rate (All Loan Types): [Markdown](https://americandefault.org/for-llms/falling-behind.md) · [JSON](https://americandefault.org/api/indicators/falling-behind.json) · [CSV](https://americandefault.org/api/downloads/falling-behind.csv) · [BibTeX](https://americandefault.org/citations/falling-behind.bib)
- Total Household Debt: [Markdown](https://americandefault.org/for-llms/total-household-debt.md) · [JSON](https://americandefault.org/api/indicators/total-household-debt.json) · [CSV](https://americandefault.org/api/downloads/total-household-debt.csv) · [BibTeX](https://americandefault.org/citations/total-household-debt.bib)
- Total Nonfarm Payrolls: [Markdown](https://americandefault.org/for-llms/total-nonfarm-payrolls.md) · [JSON](https://americandefault.org/api/indicators/total-nonfarm-payrolls.json) · [CSV](https://americandefault.org/api/downloads/total-nonfarm-payrolls.csv) · [BibTeX](https://americandefault.org/citations/total-nonfarm-payrolls.bib)
- Total Revolving Credit Outstanding: [Markdown](https://americandefault.org/for-llms/total-revolving-credit-outstanding.md) · [JSON](https://americandefault.org/api/indicators/total-revolving-credit-outstanding.json) · [CSV](https://americandefault.org/api/downloads/total-revolving-credit-outstanding.csv) · [BibTeX](https://americandefault.org/citations/total-revolving-credit-outstanding.bib)
- TransUnion Credit Card Borrower Delinquency: [Markdown](https://americandefault.org/for-llms/the-risk-reset.md) · [JSON](https://americandefault.org/api/indicators/the-risk-reset.json) · [CSV](https://americandefault.org/api/downloads/the-risk-reset.csv) · [BibTeX](https://americandefault.org/citations/the-risk-reset.bib)
- U-6 Underemployment Rate: [Markdown](https://americandefault.org/for-llms/u-6-underemployment-rate.md) · [JSON](https://americandefault.org/api/indicators/u-6-underemployment-rate.json) · [CSV](https://americandefault.org/api/downloads/u-6-underemployment-rate.csv) · [BibTeX](https://americandefault.org/citations/u-6-underemployment-rate.bib)
- Unbanked Household Rate (FDIC): [Markdown](https://americandefault.org/for-llms/unbanked-underbanked-household-rate.md) · [JSON](https://americandefault.org/api/indicators/unbanked-underbanked-household-rate.json) · [CSV](https://americandefault.org/api/downloads/unbanked-underbanked-household-rate.csv) · [BibTeX](https://americandefault.org/citations/unbanked-underbanked-household-rate.bib)
- Underwater Mortgages (Owing More Than the Home Is Worth): [Markdown](https://americandefault.org/for-llms/underwater-mortgages-owing-more-than-the-home-is-worth.md) · [JSON](https://americandefault.org/api/indicators/underwater-mortgages-owing-more-than-the-home-is-worth.json) · [CSV](https://americandefault.org/api/downloads/underwater-mortgages-owing-more-than-the-home-is-worth.csv) · [BibTeX](https://americandefault.org/citations/underwater-mortgages-owing-more-than-the-home-is-worth.bib)
- Unemployment Rate: [Markdown](https://americandefault.org/for-llms/unemployment-rate.md) · [JSON](https://americandefault.org/api/indicators/unemployment-rate.json) · [CSV](https://americandefault.org/api/downloads/unemployment-rate.csv) · [BibTeX](https://americandefault.org/citations/unemployment-rate.bib)
- Union Membership Rate: [Markdown](https://americandefault.org/for-llms/the-union-card.md) · [JSON](https://americandefault.org/api/indicators/the-union-card.json) · [CSV](https://americandefault.org/api/downloads/the-union-card.csv) · [BibTeX](https://americandefault.org/citations/the-union-card.bib)
- University of Michigan Consumer Sentiment Index: [Markdown](https://americandefault.org/for-llms/the-mood-ring.md) · [JSON](https://americandefault.org/api/indicators/the-mood-ring.json) · [CSV](https://americandefault.org/api/downloads/the-mood-ring.csv) · [BibTeX](https://americandefault.org/citations/the-mood-ring.bib)
- Vanguard Hardship Withdrawal Rate: [Markdown](https://americandefault.org/for-llms/the-cannibalization-rate.md) · [JSON](https://americandefault.org/api/indicators/the-cannibalization-rate.json) · [CSV](https://americandefault.org/api/downloads/the-cannibalization-rate.csv) · [BibTeX](https://americandefault.org/citations/the-cannibalization-rate.bib)
- Wage Growth vs CPI Spread: [Markdown](https://americandefault.org/for-llms/wage-growth-vs-cpi-spread.md) · [JSON](https://americandefault.org/api/indicators/wage-growth-vs-cpi-spread.json) · [CSV](https://americandefault.org/api/downloads/wage-growth-vs-cpi-spread.csv) · [BibTeX](https://americandefault.org/citations/wage-growth-vs-cpi-spread.bib)
- Youth Unemployment Rate (16-24): [Markdown](https://americandefault.org/for-llms/youth-unemployment-rate-16-24.md) · [JSON](https://americandefault.org/api/indicators/youth-unemployment-rate-16-24.json) · [CSV](https://americandefault.org/api/downloads/youth-unemployment-rate-16-24.csv) · [BibTeX](https://americandefault.org/citations/youth-unemployment-rate-16-24.bib)

### Machine-Packaged Guide Endpoint Index

- How High Are Car Repossession Rates in 2026?: [Markdown](https://americandefault.org/for-llms/car-repossession-rates.md) · [JSON](https://americandefault.org/api/guides/car-repossession-rates.json) · [CSV](https://americandefault.org/api/downloads/guides/car-repossession-rates.csv) · [BibTeX](https://americandefault.org/citations/car-repossession-rates.bib)

## Data Sources (35 sources)

The sources page has one section per publisher listing all indicators drawn from that source, FRED/BLS series IDs, update automation, and attribution.

- [All Sources](https://americandefault.org/sources/): All 35 data sources
- [U.S. Bureau of Labor Statistics](https://americandefault.org/sources/#bls): 20 indicators — American Default tracks indicators using data from U.S. Bureau of Labor Statistics, including CPI Inflation Rate (All It...
- [Board of Governors of the Federal Reserve System](https://americandefault.org/sources/#federal-reserve): 16 indicators — American Default tracks indicators using data from Board of Governors of the Federal Reserve System, including Bottom-Ha...
- [Federal Housing Finance Agency](https://americandefault.org/sources/#fhfa): 7 indicators — American Default tracks indicators using data from Federal Housing Finance Agency, including Fannie Mae and Freddie Mac ...
- [U.S. Census Bureau](https://americandefault.org/sources/#census): 4 indicators — American Default tracks indicators using data from U.S. Census Bureau, including Business AI Adoption Rate, Difficulty P...
- [Administrative Office of the U.S. Courts](https://americandefault.org/sources/#us-courts): 4 indicators — American Default tracks indicators using data from Administrative Office of the U.S. Courts, including Bankruptcy Chapte...
- [U.S. Department of Labor](https://americandefault.org/sources/#department-of-labor): 2 indicators — American Default tracks indicators using data from U.S. Department of Labor, including Continued Unemployment Claims (SA...
- [Consumer Financial Protection Bureau](https://americandefault.org/sources/#cfpb): 2 indicators — American Default tracks indicators using data from Consumer Financial Protection Bureau, including Buy Now Pay Later Len...
- [U.S. Department of Housing and Urban Development](https://americandefault.org/sources/#hud): 2 indicators — American Default tracks indicators using data from U.S. Department of Housing and Urban Development, including Homelessn...
- [U.S. Bureau of Economic Analysis](https://americandefault.org/sources/#bea): 1 indicator — American Default tracks Personal Saving Rate using data from U.S. Bureau of Economic Analysis. This page links to the in...
- [U.S. Department of Agriculture](https://americandefault.org/sources/#usda): 1 indicator — American Default tracks SNAP (Food Stamp) Enrollment using data from U.S. Department of Agriculture. This page links to ...
- [U.S. Department of Agriculture Economic Research Service](https://americandefault.org/sources/#usda-ers): 1 indicator — American Default tracks Household Food Insecurity Rate using data from U.S. Department of Agriculture Economic Research ...
- [U.S. Energy Information Administration](https://americandefault.org/sources/#eia): 1 indicator — American Default tracks Residential Electricity Disconnections using data from U.S. Energy Information Administration. T...
- [Centers for Medicare & Medicaid Services](https://americandefault.org/sources/#cms): 1 indicator — American Default tracks Medicaid / CHIP Enrollment using data from Centers for Medicare & Medicaid Services. This page l...
- [Federal Deposit Insurance Corporation](https://americandefault.org/sources/#fdic): 1 indicator — American Default tracks Unbanked Household Rate using data from Federal Deposit Insurance Corporation. This page links t...
- [Federal Reserve Bank of New York](https://americandefault.org/sources/#ny-fed): 9 indicators — American Default tracks indicators using data from Federal Reserve Bank of New York, including Auto Loans 90+ Days Past ...
- [Federal Reserve Bank of Philadelphia](https://americandefault.org/sources/#philadelphia-fed): 2 indicators — American Default tracks indicators using data from Federal Reserve Bank of Philadelphia, including Adults Who Paid Less ...
- [Federal Reserve Bank of Chicago](https://americandefault.org/sources/#chicago-fed): 1 indicator — American Default tracks NFCI Non-Financial Leverage Subindex using data from Federal Reserve Bank of Chicago. This page ...
- [Federal Reserve Bank of Atlanta](https://americandefault.org/sources/#atlanta-fed): 1 indicator — American Default tracks Atlanta Fed Wage Growth Tracker (1st Quartile) using data from Federal Reserve Bank of Atlanta. ...
- [ATTOM Data Solutions](https://americandefault.org/sources/#attom): 2 indicators — American Default tracks indicators using data from ATTOM Data Solutions, including Foreclosure Filings YoY Change and Fo...
- [Vanguard](https://americandefault.org/sources/#vanguard): 2 indicators — American Default tracks indicators using data from Vanguard, including 401(k) Loan Outstanding Rate and Vanguard Hardshi...
- [Challenger, Gray & Christmas](https://americandefault.org/sources/#challenger): 2 indicators — American Default tracks indicators using data from Challenger, Gray & Christmas, including AI-Attributed Layoff Announce...
- [CoreLogic / Cotality](https://americandefault.org/sources/#corelogic): 1 indicator — American Default tracks Cotality Current-to-30-Day Mortgage Transition Rate using data from CoreLogic / Cotality. This p...
- [Mortgage Bankers Association](https://americandefault.org/sources/#mba): 1 indicator — American Default tracks FHA Mortgage Delinquency Rate using data from Mortgage Bankers Association. This page links to t...
- [TransUnion](https://americandefault.org/sources/#transunion): 1 indicator — American Default tracks TransUnion Credit Card Borrower Delinquency using data from TransUnion. This page links to the i...
- [Equifax](https://americandefault.org/sources/#equifax): 1 indicator — American Default tracks Bankcard Balances 60+ Days Past Due (Equifax) using data from Equifax. This page links to the in...
- [The Conference Board](https://americandefault.org/sources/#conference-board): 1 indicator — American Default tracks Conference Board Consumer Expectations Index using data from The Conference Board. This page lin...
- [Bank of America Institute](https://americandefault.org/sources/#bank-of-america-institute): 1 indicator — American Default tracks Share of Bank of America Checking Households Living Paycheck to Paycheck using data from Bank of...
- [Indeed](https://americandefault.org/sources/#indeed): 1 indicator — American Default tracks Indeed Job Postings Index (US) using data from Indeed. This page links to the indicator and the ...
- [Indeed Hiring Lab AI Tracker](https://americandefault.org/sources/#indeed-ai-tracker): 1 indicator — American Default tracks AI Share of Indeed Job Postings using data from Indeed Hiring Lab AI Tracker. This page links to...
- [Bankrate](https://americandefault.org/sources/#bankrate): 1 indicator — American Default tracks Share of Adults Who Would Use Savings for a $1,000 Emergency using data from Bankrate. This page...
- [University of Michigan](https://americandefault.org/sources/#university-of-michigan): 1 indicator — American Default tracks University of Michigan Consumer Sentiment Index using data from University of Michigan. This pag...
- [METR](https://americandefault.org/sources/#metr): 1 indicator — American Default tracks METR 50% Task-Completion Horizon using data from METR. This page links to the indicator and the ...
- [Financial Health Network](https://americandefault.org/sources/#financial-health-network): 1 indicator — American Default tracks Financially Healthy Households (Financial Health Network) using data from Financial Health Netwo...
- [Opportunity Insights](https://americandefault.org/sources/#opportunity-insights): 1 indicator — American Default tracks Top vs Bottom Income Quartile Spending Gap using data from Opportunity Insights. This page links...
- [Computed / Derived Indicators](https://americandefault.org/sources/#computed-indicators): 14 indicators — American Default tracks indicators using data from Computed / Derived Indicators, including Auto Insurance Inflation Pre...

## Mortgage Servicer Profiles (81)

CFPB complaint records, enforcement history, litigation data, demand letter templates,
and contact information for the largest U.S. mortgage servicers.

- [All Servicers](https://americandefault.org/servicers/): Directory of 81 mortgage servicers
- [21st Mortgage](https://americandefault.org/servicers/21st-mortgage/)
- [AmeriHome Mortgage](https://americandefault.org/servicers/amerihome-mortgage/)
- [AmeriSave Mortgage](https://americandefault.org/servicers/amerisave-mortgage/)
- [Arvest Bank](https://americandefault.org/servicers/arvest-bank-group/)
- [Banco Popular de Puerto Rico](https://americandefault.org/servicers/banco-popular-de-puerto-rico/)
- [Bank of America](https://americandefault.org/servicers/bank-of-america-national-association/)
- [BB&T (Historical)](https://americandefault.org/servicers/bb-t/)
- [BBVA USA (Historical)](https://americandefault.org/servicers/bbva-financial/)
- [BMO Bank](https://americandefault.org/servicers/bmo-bank-n-a/)
- [BSI Financial](https://americandefault.org/servicers/bsi-financial-holdings/)
- [Caliber Home Loans (Historical)](https://americandefault.org/servicers/caliber-home-loans/)
- [Capital One](https://americandefault.org/servicers/capital-one-financial/)
- [Cardinal Financial](https://americandefault.org/servicers/cardinal-financial-company-limited-partnership/)
- [Carrington Mortgage](https://americandefault.org/servicers/carrington-mortgage-services/)
- [Cenlar FSB](https://americandefault.org/servicers/cenlar/)
- [CIT Bank (Historical)](https://americandefault.org/servicers/cit-bank-national-association/)
- [Citibank](https://americandefault.org/servicers/citibank-n-a/)
- [Citizens Financial](https://americandefault.org/servicers/citizens-financial-group/)
- [CMG Financial](https://americandefault.org/servicers/cmg/)
- [Community Loan Servicing](https://americandefault.org/servicers/community-loan-servicing/)
- [CrossCountry Mortgage](https://americandefault.org/servicers/crosscountry-mortgage/)
- [Ditech Financial (Historical)](https://americandefault.org/servicers/ditech-financial/)
- [Dovenmuehle Mortgage](https://americandefault.org/servicers/dovenmuehle-mortgage/)
- [EverBank](https://americandefault.org/servicers/everbank-national-association/)
- [Fay Servicing](https://americandefault.org/servicers/fay-servicing/)
- [Fifth Third Bank](https://americandefault.org/servicers/fifth-third-financial/)
- [Flagstar Bank](https://americandefault.org/servicers/flagstar-bank-n-a/)
- [Freedom Mortgage](https://americandefault.org/servicers/freedom-mortgage/)
- [Gregory Funding (Historical)](https://americandefault.org/servicers/gregory-funding/)
- [Guaranteed Rate](https://americandefault.org/servicers/guaranteed-rate/)
- [Guild Mortgage](https://americandefault.org/servicers/guild-holdings/)
- [HomeLoanServ](https://americandefault.org/servicers/homeloanserv/)
- [Homepoint (Historical)](https://americandefault.org/servicers/home-point-financial/)
- [HSBC North America (Historical)](https://americandefault.org/servicers/hsbc-north-america-holdings/)
- [Huntington Bank](https://americandefault.org/servicers/huntington-national-bank-the/)
- [JPMorgan Chase](https://americandefault.org/servicers/jpmorgan-chase-co/)
- [KeyBank](https://americandefault.org/servicers/keycorp/)
- [Lakeview Loan Servicing](https://americandefault.org/servicers/lakeview-loan-servicing/)
- [LoanCare](https://americandefault.org/servicers/loancare/)
- [loanDepot](https://americandefault.org/servicers/ld-holdings-group/)
- [M&T Bank](https://americandefault.org/servicers/m-t-bank/)
- [MidFirst Bank](https://americandefault.org/servicers/midfirst-bank/)
- [Midland Mortgage](https://americandefault.org/servicers/midland-mortgage/)
- [Mr. Cooper](https://americandefault.org/servicers/mr-cooper-group/)
- [Navy Federal Credit Union](https://americandefault.org/servicers/navy-federal-credit-union/)
- [New American Funding](https://americandefault.org/servicers/broker-solutions/)
- [NYCB / Flagstar Financial (Historical)](https://americandefault.org/servicers/new-york-community-bancorp/)
- [Ocwen / Onity Group](https://americandefault.org/servicers/ocwen-financial/)
- [PenFed Credit Union](https://americandefault.org/servicers/pentagon-federal-credit-union/)
- [PennyMac](https://americandefault.org/servicers/pennymac-loan-services/)
- [PHH Mortgage](https://americandefault.org/servicers/phh-mortgage-services/)
- [Planet Home Lending](https://americandefault.org/servicers/planet-home-lending/)
- [PNC Bank](https://americandefault.org/servicers/pnc-bank-n-a/)
- [Real Time Resolutions](https://americandefault.org/servicers/real-time-group/)
- [Regions Bank](https://americandefault.org/servicers/regions-financial/)
- [Residential Credit Solutions (Historical)](https://americandefault.org/servicers/residential-credit-solutions/)
- [Reverse Mortgage Solutions](https://americandefault.org/servicers/reverse-mortgage-solutions/)
- [Rocket Mortgage](https://americandefault.org/servicers/rocket-mortgage/)
- [RoundPoint Mortgage](https://americandefault.org/servicers/roundpoint-mortgage-servicing/)
- [Rushmore Loan Management](https://americandefault.org/servicers/rushmore-loan-management-services/)
- [Santander Bank](https://americandefault.org/servicers/santander-bank-national-association/)
- [Select Portfolio Servicing](https://americandefault.org/servicers/select-portfolio-servicing/)
- [Selene Finance](https://americandefault.org/servicers/selene-finance/)
- [Servbank](https://americandefault.org/servicers/servbank/)
- [ServiceMac](https://americandefault.org/servicers/servicemac/)
- [Seterus (Historical)](https://americandefault.org/servicers/seterus/)
- [Shellpoint / NewRez](https://americandefault.org/servicers/shellpoint-partners/)
- [SN Servicing](https://americandefault.org/servicers/sn-servicing/)
- [Specialized Loan Servicing](https://americandefault.org/servicers/specialized-loan-servicing-holdings/)
- [Statebridge Company](https://americandefault.org/servicers/statebridge/)
- [SunTrust Banks (Historical)](https://americandefault.org/servicers/suntrust-banks/)
- [TD Bank](https://americandefault.org/servicers/td-bank-us-holding/)
- [The Money Source (TMS)](https://americandefault.org/servicers/money-source-inc-the/)
- [Truist Financial](https://americandefault.org/servicers/truist-financial/)
- [U.S. Bank](https://americandefault.org/servicers/u-s-bancorp/)
- [United Wholesale Mortgage (UWM)](https://americandefault.org/servicers/united-shore/)
- [USAA](https://americandefault.org/servicers/united-services-automobile-association/)
- [Valon Mortgage](https://americandefault.org/servicers/valon-mortgage/)
- [Vanderbilt Mortgage](https://americandefault.org/servicers/vanderbilt-mortgage-finance/)
- [Village Capital](https://americandefault.org/servicers/village-capital-investment/)
- [Wells Fargo](https://americandefault.org/servicers/wells-fargo/)

## Contact

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