Ground Figures
Lender data → Delinquency

Where are mortgage borrowers falling behind?

In December 2025, 2.1% of U.S. mortgages were 30–89 days late and 0.9% were 90 or more days late, up from 1.9% and 0.7% a year earlier. Pick any state, metro area or county below and see its own line since 2008.

U.S. · 90+ days late · December 2025
0.9%

of mortgages, against a 4.9% peak in January 2010 and a 0.4% low in April 2021.

30–89 days late
2.1%
90+ days late
0.9%
Highest state, 90+
Louisiana 2.1%
Lowest state, 90+
Wisconsin 0.5%

Look up any place

Solid lines are the place you pick; dashed lines are the U.S. Start typing a name, or switch between states, metro areas and counties.

U.S. mortgages behind on payments, 2008–2025U.S. MORTGAGES BEHIND ON PAYMENTS, 2008–2025Pandemic forbearance era: reported delinquency understated0%1%2%3%4%5%20082010201220142016201820202022202430–89 days, December 2025: 2.1%30–89 days 2.1%90+ days, December 2025: 0.9%90+ days 0.9%

Shaded band: pandemic forbearance, when reported delinquency was understated. Source: CFPB / FHFA National Mortgage Database, 5% sample, through December 2025.

Every state, ranked

Highest 90+ rates: Louisiana, Mississippi, Georgia, Arkansas, South Carolina. Lowest: Wisconsin, California, Washington, Oregon, North Dakota. Click a state to chart it, or jump to its lender approval data.

All 51 states, ranked by share of mortgages 90+ days late, December 2025. Change is over 12 months; multiple is relative to the U.S. rate (0.9%).
State30–89 days90+ days12-mo changevs. U.S.Lender data
Louisiana4.2%2.1%+0.5 pts2.3×Approvals
Mississippi4.5%1.8%+0.3 pts2.0×Approvals
Georgia2.8%1.3%+0.4 pts1.4×Approvals
Arkansas2.7%1.3%+0.3 pts1.4×Approvals
South Carolina3.0%1.2%+0.4 pts1.3×Approvals
Texas2.9%1.2%+0.2 pts1.3×Approvals
Oklahoma2.6%1.2%+0.2 pts1.3×Approvals
Florida2.4%1.2%+0.6 pts1.3×Approvals
West Virginia3.6%1.1%−0.1 pts1.2×Approvals
Alabama3.2%1.1%+0.2 pts1.2×Approvals
Delaware2.5%1.1%+0.1 pts1.2×Approvals
New Mexico2.4%1.1%+0.3 pts1.2×Approvals
Maryland2.3%1.1%+0.1 pts1.2×Approvals
Illinois2.2%1.1%+0.3 pts1.2×Approvals
Indiana2.6%1.0%+0.1 pts1.1×Approvals
Pennsylvania2.5%1.0%+0.1 pts1.1×Approvals
Ohio2.4%1.0%+0.1 pts1.1×Approvals
Connecticut2.3%1.0%+0.3 pts1.1×Approvals
Kentucky2.2%1.0%+0.1 pts1.1×Approvals
New York2.0%1.0%+0.1 pts1.1×Approvals
Michigan2.4%0.9%+0.2 pts1.0×Approvals
North Carolina2.4%0.9%+0.2 pts1.0×Approvals
Missouri2.3%0.9%+0.2 pts1.0×Approvals
Rhode Island2.3%0.9%±0.0 pts1.0×Approvals
Tennessee2.3%0.9%+0.2 pts1.0×Approvals
Maine2.0%0.9%±0.0 pts1.0×Approvals
New Jersey2.0%0.9%+0.1 pts1.0×Approvals
Iowa1.9%0.9%+0.2 pts1.0×Approvals
District of Columbia1.4%0.9%−0.3 pts1.0×Approvals
Wyoming2.2%0.8%±0.0 pts0.9×Approvals
Arizona2.0%0.8%+0.3 pts0.9×Approvals
Kansas2.0%0.8%+0.2 pts0.9×Approvals
Virginia1.8%0.8%+0.2 pts0.9×Approvals
Alaska1.7%0.8%+0.3 pts0.9×Approvals
Nevada1.6%0.8%+0.1 pts0.9×Approvals
Utah1.6%0.7%+0.1 pts0.8×Approvals
Colorado1.4%0.7%+0.2 pts0.8×Approvals
Vermont1.4%0.7%+0.1 pts0.8×Approvals
Hawaii1.0%0.7%+0.1 pts0.8×Approvals
South Dakota2.0%0.6%−0.1 pts0.7×Approvals
Montana1.6%0.6%+0.1 pts0.7×Approvals
New Hampshire1.6%0.6%±0.0 pts0.7×Approvals
Idaho1.5%0.6%+0.1 pts0.7×Approvals
Massachusetts1.5%0.6%+0.1 pts0.7×Approvals
Minnesota1.5%0.6%+0.1 pts0.7×Approvals
Nebraska1.4%0.6%+0.1 pts0.7×Approvals
North Dakota1.3%0.6%−0.1 pts0.7×Approvals
Oregon1.2%0.6%+0.2 pts0.7×Approvals
Washington1.1%0.6%+0.2 pts0.7×Approvals
California1.4%0.5%±0.0 pts0.6×Approvals
Wisconsin1.3%0.5%±0.0 pts0.6×Approvals

Do states with more late payments approve fewer loans?

Somewhat, yes. Each dot is a state: how many of its mortgages were 90+ days late in December 2025 against how often lenders approved conventional purchase applications at 43% DTI or below in 2025. The dashed line is the fitted trend (r = -0.53). At 50–60% DTI, r = -0.38 (34 states with 200+ decisions).

Delinquency vs. approval, 51 statesDELINQUENCY VS. APPROVAL, 51 STATES85%90%95%100%0.0%0.5%1.0%1.5%2.0%2.5%MORTGAGES 90+ DAYS LATE, DECEMBER 2025CONVENTIONAL APPROVAL, DTI ≤43%, 2025Alabama: 1.1% 90+ days late, 96% approvedAlaska: 0.8% 90+ days late, 97% approvedArizona: 0.8% 90+ days late, 96% approvedArkansas: 1.3% 90+ days late, 96% approvedARCalifornia: 0.5% 90+ days late, 95% approvedCAColorado: 0.7% 90+ days late, 97% approvedConnecticut: 1.0% 90+ days late, 96% approvedDelaware: 1.1% 90+ days late, 97% approvedDistrict of Columbia: 0.9% 90+ days late, 96% approvedFlorida: 1.2% 90+ days late, 93% approvedFLGeorgia: 1.3% 90+ days late, 95% approvedGAHawaii: 0.7% 90+ days late, 93% approvedHIIdaho: 0.6% 90+ days late, 97% approvedIDIllinois: 1.1% 90+ days late, 95% approvedIndiana: 1.0% 90+ days late, 96% approvedIowa: 0.9% 90+ days late, 97% approvedKansas: 0.8% 90+ days late, 97% approvedKentucky: 1.0% 90+ days late, 95% approvedLouisiana: 2.1% 90+ days late, 95% approvedLAMaine: 0.9% 90+ days late, 97% approvedMaryland: 1.1% 90+ days late, 96% approvedMassachusetts: 0.6% 90+ days late, 97% approvedMichigan: 0.9% 90+ days late, 96% approvedMinnesota: 0.6% 90+ days late, 97% approvedMississippi: 1.8% 90+ days late, 94% approvedMSMissouri: 0.9% 90+ days late, 97% approvedMontana: 0.6% 90+ days late, 96% approvedNebraska: 0.6% 90+ days late, 98% approvedNevada: 0.8% 90+ days late, 95% approvedNew Hampshire: 0.6% 90+ days late, 97% approvedNew Jersey: 0.9% 90+ days late, 95% approvedNew Mexico: 1.1% 90+ days late, 95% approvedNew York: 1.0% 90+ days late, 94% approvedNorth Carolina: 0.9% 90+ days late, 96% approvedNorth Dakota: 0.6% 90+ days late, 98% approvedOhio: 1.0% 90+ days late, 97% approvedOklahoma: 1.2% 90+ days late, 96% approvedOregon: 0.6% 90+ days late, 97% approvedPennsylvania: 1.0% 90+ days late, 97% approvedRhode Island: 0.9% 90+ days late, 97% approvedSouth Carolina: 1.2% 90+ days late, 96% approvedSCSouth Dakota: 0.6% 90+ days late, 97% approvedTennessee: 0.9% 90+ days late, 96% approvedTexas: 1.2% 90+ days late, 95% approvedUtah: 0.7% 90+ days late, 96% approvedVermont: 0.7% 90+ days late, 97% approvedVirginia: 0.8% 90+ days late, 97% approvedWashington: 0.6% 90+ days late, 97% approvedWest Virginia: 1.1% 90+ days late, 95% approvedWisconsin: 0.5% 90+ days late, 97% approvedWIWyoming: 0.8% 90+ days late, 96% approved

Read it as a pattern, not a rule. Credit-score mix, incomes, and how much of a state’s lending is FHA all move both axes together, and a state average says nothing about any one lender. Approval rates are from our HMDA approvals data.

Metro areas and counties

Metro and non-metro areas with 1,000+ sampled mortgages. Dallas–Fort Worth: 2.5% / 1.0% (30–89 / 90+).

Highest 90+ rates, metro and non-metro areas, December 2025
Area30–89 days90+ days12-mo change
Laredo, TX7.6%2.5%±0.0 pts
Odessa, TX5.2%2.3%+0.8 pts
Houma-Bayou Cane-Thibodaux, LA3.6%2.3%+0.6 pts
Shreveport-Bossier City, LA3.2%2.3%+0.6 pts
Baton Rouge, LA4.4%2.2%+0.4 pts
New Orleans-Metairie, LA4.3%2.2%+0.7 pts
Lakeland-Winter Haven, FL3.8%2.2%+1.4 pts
Slidell-Mandeville-Covington, LA3.0%2.2%+0.7 pts
Charleston, WV4.4%2.1%+0.6 pts
Monroe, LA4.2%2.0%±0.0 pts
Tuscaloosa, AL4.1%2.0%+0.6 pts
Pueblo, CO1.9%2.0%+0.8 pts
Lowest 90+ rates, December 2025
Area30–89 days90+ days12-mo change
San Jose-Sunnyvale-Santa Clara, CA0.5%0.1%−0.1 pts
Wenatchee-East Wenatchee, WA1.6%0.1%−0.5 pts
Boulder, CO0.4%0.2%±0.0 pts
Santa Maria-Santa Barbara, CA0.9%0.2%−0.1 pts
Santa Rosa-Petaluma, CA0.9%0.2%±0.0 pts
Jefferson City, MO1.9%0.2%±0.0 pts
Traverse City, MI1.9%0.2%−0.2 pts
Santa Cruz-Watsonville, CA0.5%0.3%±0.0 pts
Counties with the highest 90+ rates, December 2025 (507 counties with 1,000+ sampled mortgages)
County30–89 days90+ days12-mo change
Clayton County, GA4.9%3.6%+1.3 pts
Newton County, GA6.4%3.0%+1.7 pts
Livingston Parish, LA4.8%2.9%+0.7 pts
Caddo Parish, LA3.3%2.6%+1.0 pts
Orleans Parish, LA3.1%2.6%+0.7 pts
Webb County, TX7.6%2.5%±0.0 pts
Henry County, GA5.1%2.4%+1.0 pts
Baltimore city, MD4.0%2.4%+0.3 pts
Ector County, TX5.2%2.3%+0.8 pts
East Baton Rouge Parish, LA3.8%2.3%+0.5 pts
Jackson County, MS3.4%2.3%+0.7 pts
Polk County, FL3.8%2.2%+1.4 pts
St. Tammany Parish, LA3.0%2.2%+0.7 pts
Hampton city, VA2.9%2.2%+1.0 pts
Hinds County, MS5.9%2.1%+0.3 pts

Questions

What do 30–89 days and 90+ days mean?

The 30–89 day rate is the share of outstanding mortgages with a missed payment that is 30 to 89 days past due; it is an early signal. The 90+ day rate counts loans 90 or more days past due and not yet in foreclosure; it measures serious distress. Both are divided by all outstanding mortgages in the sample, so they are shares of borrowers, not of dollars.

Where does the data come from?

The CFPB and FHFA publish it from the National Mortgage Database, a 5% sample of closed-end, first-lien, 1–4 family mortgages built from credit-bureau records. A place appears only if the sample holds at least 1,000 mortgages there, which is why only 507 counties and 344 metro and non-metro areas are listed. The latest file runs through December 2025.

Why do 2020–2021 numbers look so low?

Forbearance and servicer reporting practices suppressed reported delinquency during the pandemic: borrowers in forbearance were often reported as current. The CFPB does not adjust for this, and neither do we. The shaded band on the charts marks April 2020 through December 2021. Disasters can do the same thing locally.

Does a high delinquency rate mean it is harder to get a mortgage there?

Across states there is a link: states with more seriously late mortgages had lower conventional approval rates. It is a correlation, not a cause (r = -0.53 between the 90+ rate and 2025 conventional approval at 43% DTI or below, across 51 states). Credit scores, incomes and the FHA share of lending all differ by state and sit behind both numbers.

Can I see delinquency by lender or loan type?

No. The CFPB file has no lender, loan-program, credit-score or DTI breakdown, only place and month. For how individual lenders treat high-DTI applicants, use the approvals data.

How often is this updated?

The CFPB republishes several times a year with about an eight-month lag and revises earlier months when it does. This page shows the release published August 2026, through December 2025.

Method and limits

Source: CFPB Mortgage Performance Trends, built from the National Mortgage Database (CFPB and FHFA), a 5% sample of first-lien, closed-end, 1–4 family mortgages from credit-bureau records. Delinquency means a missed payment on the borrower’s credit file. Missing servicer values are imputed by the CFPB from past performance of all loans; where a servicer reports nothing, no imputation is made. Places under 1,000 sampled mortgages are omitted. Months are revised in later releases. The cross-state comparison joins this file to the 2025 HMDA approvals data on state; it uses 51 states and is a descriptive correlation. We do not publish the raw files.