Use Our Data

Everything you need to cite, embed, or build on American Default Research's household financial distress data. All data is free to use with attribution — no API keys, no paywalls, no registration.

Data Downloads

All downloads are CSV format, generated at build time from the same data that powers the site. Updated automatically when new data arrives.

Current Indicators — Latest Values
98 registered data series with value, trend, YoY change, source, and page URL. Historical series are excluded. One row per registration.
State Debt & Delinquency
51 rows (50 states + DC) with credit card delinquency, auto loan delinquency, mortgage delinquency, total debt per capita, and credit card balance per capita.
Individual Indicator Time Series
Full historical data for any indicator. Each CSV includes date, value, and year-over-year change. Available from every indicator page or via /api/downloads/{slug}.csv.

Sign in for higher API rate limits and bulk data exports.

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JSON API

Static JSON endpoints generated at build time. No authentication required. CORS headers allow cross-origin requests from any domain.

GET
/api/adi.json

Current ADI composite score, band with reading gloss, rank-in-history, domain scores, member percentiles, and full quarterly history back to 1991.

curl https://americandefault.org/api/adi.json
Example response
{
  "meta": {
    "description": "American Distress Index...",
    "attribution": "American Default Research (americandefault.org)"
  },
  "current": {
    "quarter": "2026-Q1",
    "score": 43.76,
    "band": 3,
    "band_label": "Typical",
    "reading": "On average, its inputs sit higher than in 44% of their own quarterly histories",
    "domains": {
          "delinquency": {
                "score": 46.67,
                "members_present": 4
          },
          "default_legal": {
                "score": 32.85,
                "members_present": 2
          },
          "debt_burden": {
                "score": 31.08,
                "members_present": 1
          },
          "labor": {
                "score": 16.17,
                "members_present": 2
          },
          "safety_net_buffer": {
                "score": 92.04,
                "members_present": 1
          }
    }
  },
  "history": [ ... ]
}
GET
/api/indicators.json

All 103 registered data series with current or explicitly last-verified values, data status, trend direction, units, source, last updated date, and page URL.

curl https://americandefault.org/api/indicators.json
GET
/api/indicators/{slug}.json

Full time series for a single indicator. Includes all historical data points, metadata, and editorial context.

curl https://americandefault.org/api/indicators/the-fha-signal.json

Replace {slug} with any indicator's URL slug. Find all slugs in the indicators index or on the indicators catalog page.

MCP for AI Agents

For Claude, ChatGPT, Cursor, and other Model Context Protocol agents — connect directly to American Default's data via the native MCP endpoint at mcp.americandefault.org/mcp. Five read-only tools (indicators, county scorecards, ADI composite, search, cross-correlations). Anonymous tier on by default at 10 calls per minute, no signup required.

Connection details, tool reference, and example code →

Embeddable Charts

Every indicator has a standalone embeddable chart. Drop the iframe into any CMS, blog post, or news article. Charts are responsive, load from CDN, and render with no external dependencies.

<iframe src="https://americandefault.org/embed/fha-delinquency/" width="100%" height="420" frameborder="0"></iframe>

The embed URL pattern is /embed/{slug}/. Every indicator page has a one-click "Embed" button that generates the snippet.

FHA Delinquency Rate
/embed/fha-delinquency/
Personal Savings Rate
/embed/savings-rate/
Credit Card Delinquency
/embed/credit-card-delinquency/
ADI Composite Score
/embed/adi/

All 103 indicators have embed pages. Browse the full list at Indicators.

Cite This Data

Select any indicator to generate a formatted citation. Every indicator also has downloadable BibTeX and RIS files for import into reference managers (Zotero, Mendeley, EndNote, etc.).

  

For bulk citations, download the ADI composite BibTeX or use the individual indicator .bib/.ris files. The "Cite" button on every indicator page also provides formatted citations.

Pre-Built Story Angles

Each angle below comes with original analysis, supporting data, and embeddable charts. Use as a starting point for your own reporting. For county-level data packages, see our county story kits — pre-built story packages for all 3,144 U.S. counties.

Credit-Card Delinquency and Charge-Offs
The current scanner records credit-card delinquency leading all-loan charge-offs by 3 quarters with r = 0.66. Treat the pair as historical context, not a causal estimate or forecast.
The Two-Economy Problem
Headline averages mask a K-shaped divergence. Mortgage Bankers Association National Delinquency Survey data put FHA mortgage delinquency at 11.88% — 6.3 times the Federal Reserve via FRED bank-booked mortgage rate. Small-bank credit card delinquency is 2.2x the national rate. The Federal Reserve Bank of New York reports aggregate serious auto-loan delinquency at 5.6% in 2026-Q1. The distress is concentrated among lower-income borrowers while aggregate figures remain moderate.
Retirement as Emergency Fund
Vanguard reports 6.0% of 401(k) participants with the option took a hardship withdrawal in 2025 — about 2.6 times the 2.3% rate in 2019. The series measures use of the hardship-withdrawal option; it does not identify why the rate changed or the amount withdrawn.
The FHA Signal
Mortgage Bankers Association National Delinquency Survey data put FHA delinquency at 11.88% while Federal Reserve via FRED data put bank-booked single-family mortgage delinquency at 1.89%. The 6.3x ratio between FHA and the Fed bank-booked series exceeds the 5.8x ratio observed in 2007 before the Fed bank-booked series deteriorated. FHA borrowers have a median income under $50K, 3.5% down payment minimums, and concentration in economically vulnerable regions.
AI Displacement and Default Risk
AI task capability is doubling every 4.3 months (METR). Challenger reports 108,400 AI-attributed job cuts through 2025. The demographics of AI-exposed occupations — $30K-55K income, service-sector, less formal education — overlap heavily with FHA borrowers and subprime credit card holders. The AI workforce displacement index (AI Displacement Tracker) reads 79.4 (Serious) while the ADI reads 43.8 (Typical). On average, its inputs sit higher than in 44% of their own quarterly histories.
State-Level Divergence
Mississippi's credit card delinquency is 13.4%; Utah's is 9.5%. State-level data reveals geographic concentration of financial distress that national figures obscure. We publish 51 state profiles with 5 metrics each, plus foreclosure law guides for all 50 states.

Attribution & Citation

How to cite

For the ADI composite score:

American Distress Index, americandefault.org

For individual indicator data:

[Source Agency], [Series Name], via American Default Research (americandefault.org)

For original analysis:

Ross Kilburn, "[Article Title]," American Default Research, [Date]. americandefault.org/analysis/[slug]/

Rules of use

  • The ADI composite score, domain analysis, and all editorial content are original work by American Default Research
  • Underlying raw data comes from federal sources — cite the original agency when referencing specific government statistics
  • ADI readings describe current conditions only. Reporting should not frame them as predictions
  • All data is free to use. No permission required beyond attribution. No commercial restrictions
  • Charts, embeds, and API data may be used in any publication or platform

Questions about appropriate citation? Email press@americandefault.org.

About the Project

What We Track
U.S. household financial distress across 103 economic indicators
The ADI
A composite 0-100 score built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer
Data Sources
Federal Reserve (FRED), Bureau of Labor Statistics, NY Fed, MBA, ATTOM, Vanguard, U.S. Courts, Census Bureau, METR
Coverage
103 national indicators, 247 glossary terms, 51 state profiles, 50 state foreclosure law guides, 15 statistics roundups, 12 original analysis articles
Independence
No advertising, no paywalls, no political affiliation. All methodology is transparent and published at /methodology/.
Launched
2026

Media Contact

Ross Kilburn
Founder & Lead Analyst

We respond to all press inquiries within 24 hours. Available for interviews, data commentary, background briefings, and custom data pulls for your reporting.

Key Pages

Boilerplate

American Default Research is an independent, nonpartisan data project that tracks U.S. household financial distress. Its flagship product, the American Distress Index (ADI), combines five equal-weighted domains built from federal economic data. The project publishes 103 public indicator pages, original analysis, 51 state financial distress profiles, foreclosure law guides for all 50 states, and a 247-term financial distress glossary. American Default Research does not provide financial advice, accept advertising, or paywall any data. Founded in 2026 by Ross Kilburn. More at americandefault.org.

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