Use Our Data

Everything you need to cite, embed, or build on American Default Research's household financial distress data. Our analysis is free to use with attribution to American Default Research. Source data stays under each publisher's terms; cite the source named here. No API keys, no paywalls, no registration.

Release schedule and revisions explains when the national, state and county indexes change and how to cite a named release.

Suggested citation
American Default Research, County Distress Index, October 2026 release, https://americandefault.org/api/releases/cdi-2026-10.json, accessed date of access.

Reuse with credit under CC BY 4.0.

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
119 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 American Distress Index score, band, rank in its own published history, domain scores, member percentiles, and full quarterly history back to 2005-Q1.

curl https://americandefault.org/api/adi.json
Example response
{
  "meta": {
    "description": "American Distress Index...",
    "attribution": "American Default Research (americandefault.org)"
  },
  "current": {
    "quarter": "2026-Q2",
    "score": 46.99,
    "band": 3,
    "band_label": "Typical",
    "rank_in_history": {
      "percent_of_quarters_below": 44.7,
      "reading": "The composite itself sits higher than 44% of all published quarters since 2005"
    },
    "domains": {
          "delinquency": {
                "score": 61.56,
                "members_present": 4
          },
          "default_legal": {
                "score": 44.85,
                "members_present": 2
          },
          "debt_burden": {
                "score": 21.51,
                "members_present": 1
          },
          "labor": {
                "score": 16.44,
                "members_present": 2
          },
          "safety_net_buffer": {
                "score": 90.59,
                "members_present": 1
          }
    }
  },
  "history": [ ... ]
}
GET
/api/indicators.json

All 121 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, the American Distress Index 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 Saving Rate
/embed/savings-rate/
Credit Card Delinquency
/embed/credit-card-delinquency/
American Distress Index
/embed/adi/

All 121 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 American Distress Index 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.
Different Populations Behind Delinquency Rates
FHA mortgage delinquency, bank-booked mortgage delinquency, credit-card delinquency for commercial banks outside the 100 largest by consolidated foreign and domestic assets and for banks ranked 1st through 100th, and serious auto-loan delinquency are separate aggregate measures. Their populations, thresholds, and denominators differ, so they should not be ranked as one like-for-like table or used to infer borrower income or why the rates differ.
Retirement as Emergency Fund
Vanguard reports 6.0% of 401(k) participants with the option took a hardship withdrawal in 2025, compared with 2.3% in 2019. The series measures use of the hardship-withdrawal option; it does not identify why the rate changed or the amount withdrawn.
FHA delinquency
The U.S. Department of Housing and Urban Development's monthly report put FHA delinquency at 13.64% while Board of Governors of the Federal Reserve System data retrieved via FRED data put bank-booked single-family mortgage delinquency at 1.86%. The two measure different things: HUD's rate counts active FHA loans at least one payment behind, including loans in foreclosure, and the Fed's is a share of bank-held loan dollars 30 or more days past due. FHA borrowers have a median income under $50,000, 3.5% down payment minimums, and concentration in economically vulnerable regions.
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 American Distress Index 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 American Distress Index 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
  • Index 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.

County story kits

Every U.S. county scored for household financial distress. Search for any county to get a distress score, pitch angles, citation copy, and key data points. All free, no registration required.

What's in a story kit?

Distress Score

A composite 0-100 score covering Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer for each county.

Pitch Angles

Pre-written story angles tied to the data — ready to adapt for your publication or beat.

Key Data Grid

14 indicators across 5 domains — Debt Burden (housing basis), Default & Legal, Delinquency, Labor, and Safety Net & Buffer.

Downloads

CSV data export, citation copy, and a link to the full county profile — all free, no registration required.

Browse by State

Select a state to see all county profiles within it.

Attribution

Story kits are built from the County Distress Index, which draws on public data from the U.S. Census Bureau, U.S. Bureau of Labor Statistics, Urban Institute, HUD, and Administrative Office of the U.S. Courts. Our analysis is free to use with attribution to American Default Research (americandefault.org). Source data stays under each publisher's terms; cite the source named here. See the methodology for details.

Urban Institute data: Breno Braga, Signe-Mary McKernan, Samantha Atherton, and Kassandra Martinchek, "Debt in America," last updated November 20, 2025, https://datacatalog.urban.org/dataset/debt-america-2025. Licensed under ODC-By 1.0. The County Distress Index is American Default Research's own calculation; the Urban Institute does not produce or endorse it.

For media: press kit and canonical citations

American Default Research publishes the American Distress Index. The data is free, the methodology is open, and the citation format is standardized. Several different brand strings have appeared in early external citations; when you cite us, please use the canonical names below. The national release is a reporting starting point.

How to cite us

Three-tier naming

American Default Research
Institutional name. Use in source lists, bibliographies, schema.org attributions, and anywhere a reader expects 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.
County Distress Index (CDI)
Product name. Use only when referencing the county-level composite.

Citation formats

News copy (default)
According to American Default Research, the publisher of the American Distress Index, [your data point]. (americandefault.org)
APA 7th
Kilburn, R. (2026). American Distress Index [Data set]. American Default Research. https://americandefault.org/methodology/
MLA 9th
Kilburn, Ross. "American Distress Index." American Default Research, 2026, americandefault.org/methodology/.
Chicago (author-date)
Kilburn, Ross. 2026. "American Distress Index." American Default Research. https://americandefault.org/methodology/.

Do not cite as

The following variants have appeared in early external citations and are all incorrect:

  • American Default Index — conflates brand and product names
  • American Distress Report (Q4 2025) — invented name; we publish no quarterly report under this title
  • American Distress Index Inc — no Inc. suffix; American Default Research is the institutional name
  • American Default Management — invented name with no relation to the project
  • AmericanDefault.org Research — casual URL form used as a citation; use "American Default Research"

When unsure, use American Default Research.

More story angles

Five current angles drawn from the data. Each links to the live indicator and the full analysis. All numbers update automatically — pull a current value off the linked page rather than copying from this list.

FHA divergence

FHA-insured borrowers are seriously delinquent at multiples of conventional rates

FHA serious delinquency has separated from the conventional 90+ rate over the post-pandemic recovery. The headline national delinquency number blends both populations and obscures the gap. The split tracks who got priced out of homeownership before 2020 versus who held equity through it.

Auto-loan distress

Subprime auto delinquency is a visible consumer-credit stress point

Auto loans were the first consumer-credit category to break post-pandemic. The 90+ delinquency rate climbed through 2024-2025 while subprime borrowers carried the highest concentration of distress.

Credit card → charge-offs

Credit card delinquency has historically preceded charge-offs

Cross-correlation analysis (r = 0.66) links credit card delinquency rates with all-loan charge-off rates at a 3 quarters lag, with validation in multiple historical windows. Treat it as historical context for the current credit-card reading.

Two-economy thesis

The savings rate sits below its long-run average while credit card balances sit near their all-time high

A small share of households is funding consumption through credit while the rest of the economy reads strong. Aggregate spending data masks the split. ADI tracks the divergence through Safety Net & Buffer, Debt Burden, Delinquency, and Default & Legal domains.

County-level distress

Every U.S. county scored on a five-domain composite of household financial distress

The County Distress Index (CDI) ranks 3,144 counties across Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Top-100 most-distressed list is published as a journalist-grab table; per-county scorecards include APA/MLA/Chicago citation strings and an embed iframe.

Methodology documents

The CDI methodology is also published as a formal working paper PDF. The ADI methodology page includes the GFC backtest, the math layer, and a full replication guide with the scoring code. Reporting and interpretation guidance is published in the editorial standards.

About the Project

What We Track
U.S. household financial distress across 121 economic indicators
The American Distress Index
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, HUD, ATTOM, Vanguard, U.S. Courts, Census Bureau, METR
Coverage
121 national indicators, 246 glossary terms, 51 state profiles, 50 state foreclosure law guides, 15 statistics roundups, 12 original analysis articles
Independence
No paywalls. Every number traces to a cited source. All methodology is transparent and published at /methodology/.
Launched
2026

Media Contact

Ross Kilburn
Founder & Lead Analyst

We welcome press inquiries. Available for interviews, data commentary, background briefings, and custom data pulls for your reporting.

Key Pages

Boilerplate

American Default Research is an independent data project that tracks U.S. household financial distress. Its flagship product, the American Distress Index, combines five equal-weighted domains built from federal economic data. The project publishes 121 public indicator pages, original analysis, 51 state financial distress profiles, foreclosure law guides for all 50 states, and a 246-term financial distress glossary. American Default Research does not provide personal legal or financial advice or paywall any data. Founded in 2026 by Ross Kilburn. More at americandefault.org.

Sources and method

We write with assistance from AI tools. Figures come from the data and sources named on this page.