Mortgage Delinquency by ZIP: 30-89 Day and 90-Plus Day Rates from the CFPB Series (2026)
The mortgage-delinquency card brings the CFPB's county mortgage performance series down to the ZIP: the share of mortgages thirty to eighty-nine days late, the share ninety or more days late, and a stress score, with the source geography stated because most ZIPs read their county's rate. Ninety-day delinquency is the pipeline into foreclosure; this report ranks the ZIPs with the highest rate and gives the national averages.
- 33,792 ZIPs carry a delinquency reading as of 2025-12-01; the average ninety-plus day rate is 0.9% and the thirty-to-eighty-nine day rate 2.1%.
- 413 ZIPs read two percent or more ninety-day delinquency; the average FHA stress score on the mortgage-delinquency card is 49.1.
- 30250 in Clayton County, GA reads highest at 3.6% ninety-day delinquency, source County Crosswalk.
- Ninety-day delinquency on the mortgage-delinquency card is the pipeline into the foreclosure-pressure card.
mortgage-delinquency: the mortgage-delinquency card figures as of 2026-10-20; source the CFPB mortgage performance series read to ZIPs through the county crosswalk.
| ZIP (county, state) | 90+ day DQ | 30-89 day DQ | FHA stress | Source geography |
|---|---|---|---|---|
| 30250 (Clayton, GA) | 3.6% | 4.9% | 100.0 | County Crosswalk |
| 30260 (Clayton, GA) | 3.6% | 4.9% | 100.0 | County Crosswalk |
| 30274 (Clayton, GA) | 3.6% | 4.9% | 100.0 | County Crosswalk |
| 30297 (Clayton, GA) | 3.6% | 4.9% | 100.0 | County Crosswalk |
| 30236 (Clayton, GA) | 3.5% | 4.9% | 100.0 | County Crosswalk |
| 30273 (Clayton, GA) | 3.4% | 4.9% | 100.0 | County Crosswalk |
| 30238 (Clayton, GA) | 3.2% | 4.5% | 100.0 | County Crosswalk |
| 30296 (Clayton, GA) | 3.2% | 4.4% | 100.0 | County Crosswalk |
| 30025 (Walton, GA) | 3.0% | 6.4% | 100.0 | County Crosswalk |
| 30056 (Jasper, GA) | 3.0% | 6.4% | 100.0 | County Crosswalk |
ZIPs by ninety-plus day delinquency (mortgage-delinquency, as of 2026-10-20)
ZIPs with the highest ninety-day delinquency (mortgage-delinquency)
30250 in Clayton County, GA: 3.6% ninety-day, 4.9% thirty-day, stress 100.0, County Crosswalk; 30260 in Clayton County, GA: 3.6% ninety-day, 4.9% thirty-day, stress 100.0, County Crosswalk; 30274 in Clayton County, GA: 3.6% ninety-day, 4.9% thirty-day, stress 100.0, County Crosswalk; 30297 in Clayton County, GA: 3.6% ninety-day, 4.9% thirty-day, stress 100.0, County Crosswalk; 30236 in Clayton County, GA: 3.5% ninety-day, 4.9% thirty-day, stress 100.0, County Crosswalk; 30273 in Clayton County, GA: 3.4% ninety-day, 4.9% thirty-day, stress 100.0, County Crosswalk.
What mortgage-delinquency measures
30-89 day delinquency percent, 90-plus day percent, foreclosure-starts and loss-mitigation shares where published, the FHA stress score and the source geography (county crosswalk, metro or state).
How mortgage-delinquency is computed
The CFPB publishes county rates for sampled counties and metro, non-metro and state series elsewhere; DLRadar assigns each ZIP the finest series available through the county crosswalk and labels the source. The stress score scales the ninety-day rate against the national distribution. The series is monthly with a lag.
How to use mortgage-delinquency on a deal
A rising ninety-day rate precedes filings by months; it is the earliest public read on a ZIP's foreclosure pipeline. Pair it with the foreclosure-pressure card: delinquency rising with filings still low is the window to reach owners before the docket does.
Read mortgage-delinquency on your ZIPs
The county delinquency report is a free download for any county; the live board shows the card on every parcel.
Mortgage-delinquency refreshes with its source table.
Mortgage Delinquency by ZIP: 30-89 Day and 90-Plus Day Rates from the CFPB Series (2026): questions
Why do neighbouring ZIPs show the same rate?
Most ZIPs read their county's series; the source field says which geography applied.
What is loss mitigation?
The share of delinquent loans in a workout; published for some geographies only.
How current is the series?
Monthly, released by the CFPB with a lag of several months; the as-of month is on the card.
More on the mortgage-delinquency card
- Most-distressed ZIP codes →
- Most-distressed ZIP codes (mortgage-delinquency) →
- Learn: the mortgage-delinquency card →
- The HMDA refinance card report (mortgage-delinquency) →
- The HMDA demand card report (mortgage-delinquency) →
- The replacement-cost card report (mortgage-delinquency) →
- Methodology behind mortgage-delinquency →
Mortgage Delinquency by ZIP: 30-89 Day and 90-Plus Day Rates from the CFPB Series (2026) (mortgage-delinquency) is computed from the CFPB mortgage performance series read to ZIPs through the county crosswalk; the mortgage-delinquency card is research (mortgage-delinquency), not legal advice; nothing on the mortgage-delinquency page is tax or mortgage-delinquency investment advice, so verify every mortgage-delinquency figure with its issuing agency before acting.