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US Mortgage Delinquency Rates by State

US mortgage delinquency rates by state, tracking loans past due by 30 to 89 days and 90 plus days.

Source: Consumer Financial Protection Bureau (Mortgage Performance Trends)Last updated: Sep 21, 2026, 15:18Curated by Bui Thanh PhucAbout this data ↓

Indicator12-202511-202510-202509-202508-202507-202506-202505-202504-202503-202502-202501-202512-202411-202410-202409-202408-202407-202406-202405-202404-202403-202402-202401-202412-202311-202310-202309-202308-202307-202306-202305-202304-202303-202302-202301-202312-2022
30-89 Days Delinquent1
National512.11.721.6221.51.81.41.91.61.91.91.51.81.51.81.81.41.61.41.61.51.91.81.51.51.41.61.51.21.41.21.31.11.51.4
90+ Days Delinquent1
National510.90.90.80.80.80.80.70.70.70.80.80.80.70.70.70.70.70.60.60.60.60.60.60.70.60.50.50.50.50.50.50.50.50.50.50.50.5

Latest reading

National stood at 2.1% in Dec 2025. That is +0.4 pp from Nov 2025 and +0.2 pp from a year earlier. The series on this page is monthly and runs from Jan 2008 to Dec 2025. Source: Consumer Financial Protection Bureau (Mortgage Performance Trends).

Latest
2.1%
Dec 2025
vs previous period
+0.4 pp
Nov 2025
vs a year earlier
+0.2 pp

About this data

US mortgage delinquency rates by state, tracking loans past due by 30 to 89 days and 90 plus days. Published monthly by the Consumer Financial Protection Bureau since 2008, these unadjusted figures show the share of troubled residential loans. Analysts use this data to track regional household financial stress and housing sector stability across the United States.

Ranking by state — Dec 2025

All 50 states and the District of Columbia, ranked by the latest reading, Dec 2025. Highest first.

  1. 1Mississippi4.5%
  2. 2Louisiana4.2%
  3. 3West Virginia3.6%
  4. 4Alabama3.2%
  5. 5South Carolina3%
  6. 6Texas2.9%
  7. 7Georgia2.8%
  8. 8Arkansas2.7%
  9. 9Indiana2.6%
  10. 10Oklahoma2.6%
  11. 11Delaware2.5%
  12. 12Pennsylvania2.5%
  13. 13Florida2.4%
  14. 14Michigan2.4%
  15. 15New Mexico2.4%
  16. 16North Carolina2.4%
  17. 17Ohio2.4%
  18. 18Connecticut2.3%
  19. 19Maryland2.3%
  20. 20Missouri2.3%
  21. 21Rhode Island2.3%
  22. 22Tennessee2.3%
  23. 23Illinois2.2%
  24. 24Kentucky2.2%
  25. 25Wyoming2.2%
  26. 26Arizona2%
  27. 27Kansas2%
  28. 28Maine2%
  29. 29New Jersey2%
  30. 30New York2%
  31. 31South Dakota2%
  32. 32Iowa1.9%
  33. 33Virginia1.8%
  34. 34Alaska1.7%
  35. 35Montana1.6%
  36. 36Nevada1.6%
  37. 37New Hampshire1.6%
  38. 38Utah1.6%
  39. 39Idaho1.5%
  40. 40Massachusetts1.5%
  41. 41Minnesota1.5%
  42. 42California1.4%
  43. 43Colorado1.4%
  44. 44District of Columbia1.4%
  45. 45Nebraska1.4%
  46. 46Vermont1.4%
  47. 47North Dakota1.3%
  48. 48Wisconsin1.3%
  49. 49Oregon1.2%
  50. 50Washington1.1%
  51. 51Hawaii1%

Frequently asked questions

What do US mortgage delinquency rates by state measure?
They measure the share of residential mortgage loans past due across two severity thresholds: 30 to 89 days past due and 90 plus days past due. These metrics reflect early financial strain and severe distress leading toward foreclosure across the United States.
How often is the mortgage delinquency data published and how far back does it go?
The data is published monthly by the Consumer Financial Protection Bureau, with historical monthly series extending back to 2008 for national and state-level analyses.
What geographic and category breakdowns are available in this table?
The table provides figures for the national aggregate as well as individual states across the United States, categorized by loans 30 to 89 days delinquent and those 90 plus days delinquent.
How should these unadjusted mortgage delinquency percentages be read?
The figures are expressed as an unadjusted percentage of total active residential mortgage loans. A rise in 30 to 89 day delinquencies serves as an early warning, whereas 90 plus day delinquencies indicate advanced distress.
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