One U.S. countyOne-time file
90-Day Delinquency Report, County
Coverage right now: 3,150 counties · 51 states + dc · 507 cfpb-sampled counties · 216 months of history · data as of 2025-12-01
One county's mortgage 90-day delinquency since 2008: measured directly for the 507 CFPB-sampled counties, otherwise the county's metro-area, non-metro or state reading labelled by basis, with trend, peak, rank and percentile, unemployment, market phase, opportunity rank, banks and insurance on the same row, and measured ZIP scores.
- Every county in 50 states and DC: 507 counties carry the CFPB county sample with rank, percentile and trend; every other county carries its metro-area, non-metro or state reading, with the basis named on the row
- Latest 90+ day and 30-89 day rates with national and in-state rank and percentile, 3, 6, 12 and 36-month change, trend labels, slope, peak since 2008 and gap to it (sampled counties)
- County context on the same row: metro-area and state rates, BLS unemployment (latest month, 12 and 24-month change), market phase and house-price change, opportunity rank and phase, bank count and stress, insurance distress
- Full monthly history from January 2008 to the latest CFPB release (the CFPB publishes about ten months in arrears)
- ZIP table: the county rate mapped to each ZIP, labelled as such, beside measured ZIP scores (stress composite, mortgage and foreclosure scores, opportunity index, phase and rank)
- Not included: phone numbers, emails or skip tracing. Public-record data, dated, with the source named in every file.
- Counties
- 3,150
- States + DC
- 51
- CFPB-sampled counties
- 507
- Months of history
- 216
What is in the file
6 CSV tables in one zip. Every table carries a header with the package, geography, as-of date and order id, and a dlr_ref fingerprint column.
County summary in plain language
county_summary.csvNine lines: each measure, its value and what it means.
metricvaluereading
Latest reading, trend and context
counties_latest.csvOne row for the county (CFPB-sampled counties).
county_fipscounty_namestatemetro_areaas_ofdq_90_plus_pctdq_30_89_pctchg_3m_ppchg_6m_ppchg_12m_ppchg_36m_pptrend_6mtrend_12mslope_3m_pp_per_monthpeak_90_since_2008peak_monthmonths_since_peakgap_to_peak_pprank_nationalrank_in_statenational_percentilearea_dq_90_plus_pctarea_dq_30_89_pctarea_basisstate_dq_90_plus_pctstate_dq_30_89_pctunemployment_rate_pctunemployment_monthunemployment_chg_12m_ppunemployment_chg_24m_ppmarket_phasephase_confidence_0_100hpi_yoy_pcthpi_drawdown_pcthpi_as_ofopportunity_rank_nationalopportunity_indexopportunity_phaseopportunity_primary_driverbank_countbranch_count_totalweighted_avg_bank_stressmax_bank_stressinsurance_distress_scoreinsurance_as_of
Monthly history since 2008
county_monthly_history_2008_to_date.csvOne row per month (CFPB-sampled counties).
county_fipscounty_namestateasof_monthdq_90_plus_pctdq_30_89_pct
County reading from its metro area, non-metro area or state
county_reading_metro_or_state.csvFor a county outside the CFPB sample: one row with the reading basis named.
county_fipscounty_namestatemetro_areareading_basisarea_dq_90_plus_pctarea_dq_30_89_pctstate_dq_90_plus_pctstate_dq_30_89_pctas_ofunemployment_rate_pctunemployment_monthunemployment_chg_12m_ppunemployment_chg_24m_ppmarket_phasehpi_yoy_pctopportunity_rank_nationalopportunity_indexopportunity_phasebank_countweighted_avg_bank_stressinsurance_distress_score
Metro, non-metro and state series since 2008
area_history_2008_to_date.csvFor a county outside the CFPB sample: one row per geography per month.
levelgeo_idnameasof_monthdq_90_plus_pctdq_30_89_pct
ZIPs in the county
zips_by_county_crosswalk.csvOne row per ZIP: the county (or area) rate labelled as mapped, plus measured ZIP scores.
zipcounty_fipscounty_namestatecounty_dq_90_plus_pctcounty_dq_30_89_pctcounty_rate_as_ofzip_stress_composite_0_100zip_structural_risk_0_100zip_distress_activity_0_100zip_mortgage_stress_scorezip_foreclosure_scorezip_scores_as_ofzip_opportunity_indexzip_opportunity_phasezip_opportunity_rank_nationalzip_primary_driverzip_signal_categories_presentderivation
Sample rows
Real rows from Pinellas County, FL, built by the same query as the paid file. Identifiers are blanked and names and addresses partly hidden (••••); your file carries the full values.
counties_latest.csv46 columns · first 1 rows| county_fips | county_name | state | metro_area | as_of | dq_90_plus_pct | dq_30_89_pct | chg_3m_pp | chg_6m_pp | chg_12m_pp | chg_36m_pp | trend_6m | trend_12m | slope_3m_pp_per_month | peak_90_since_2008 | peak_month | months_since_peak | gap_to_peak_pp | rank_national | rank_in_state | national_percentile | area_dq_90_plus_pct | area_dq_30_89_pct | area_basis | cbsa_name | state_dq_90_plus_pct | state_dq_30_89_pct | unemployment_rate_pct | unemployment_month | unemployment_chg_12m_pp | unemployment_chg_24m_pp | market_phase | phase_confidence_0_100 | hpi_yoy_pct | hpi_drawdown_pct | hpi_as_of | opportunity_rank_national | opportunity_index | opportunity_phase | opportunity_primary_driver | bank_count | branch_count_total | weighted_avg_bank_stress | max_bank_stress | insurance_distress_score | insurance_as_of |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 12103 | pinellas | FL | Tampa-St. Petersburg-Clearwater, FL | 2025-12-01 | 1.1 | 1.6 | 0.40 | 0.40 | 0.70 | 0.90 | rising | rising | 0.133 | 7.6 | 2012-06-01 | 162 | 6.50 | 147 | 20 | 64.2 | 1.3 | 2.3 | metro area | Tampa-St. Petersburg-Clearwater, FL | 1.2 | 2.4 | 4.3 | 2026-08-01 | 0.3 | 0.8 | PEAK | 5.942535693833409090000 | 0.6 | -0.3 | 2026-06-01 | 768 | 32.1 | WATCHLIST | VACANCY | 33 | 236 | 62.0 | 90 | 99 | 2026-10-01 |
county_summary.csv3 columns · first 5 rows| metric | value | reading |
|---|---|---|
| 90-day mortgage delinquency | 1.1 | As of 2025-12-01. Metro area 1.3%, state 1.2%. |
| Trend over 12 months | rising | Up 0.7 points in 12 months; 6-month trend rising. |
| Distance from the post-2008 peak | 6.50 | Peak 7.6% in 2012-06, 162 months ago. |
| National standing | 64.2 | Ranked 147 of 507 covered counties and 20 in the state; h… |
| Unemployment | 4.3 | Latest month 2026-08; 12-month change 0.3 points. Job los… |
county_monthly_history_2008_to_date.csv6 columns · first 5 rows| county_fips | county_name | state | asof_month | dq_90_plus_pct | dq_30_89_pct |
|---|---|---|---|---|---|
| 12103 | pinellas | FL | 2008-01-01 | 1.9 | 3.6 |
| 12103 | pinellas | FL | 2008-02-01 | 2.1 | 3.2 |
| 12103 | pinellas | FL | 2008-03-01 | 2.1 | 3.2 |
| 12103 | pinellas | FL | 2008-04-01 | 2.0 | 3.4 |
| 12103 | pinellas | FL | 2008-05-01 | 2.1 | 3.4 |
zips_by_county_crosswalk.csv19 columns · first 5 rows| zip | county_fips | county_name | state | county_dq_90_plus_pct | county_dq_30_89_pct | county_rate_as_of | zip_stress_composite_0_100 | zip_structural_risk_0_100 | zip_distress_activity_0_100 | zip_mortgage_stress_score | zip_foreclosure_score | zip_scores_as_of | zip_opportunity_index | zip_opportunity_phase | zip_opportunity_rank_national | zip_primary_driver | zip_signal_categories_present | derivation |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 33701 | 12103 | pinellas | FL | 1.1 | 1.6 | 2025-12-01 | 32 | 69 | 9 | 30 | 0 | 2026-06-01 | 32.4 | EARLY_SIGNAL | 14585 | VACANCY | 7 | county delinquency rate mapped to the ZIP; the ZIP scores… |
| 33702 | 12103 | pinellas | FL | 1.1 | 1.6 | 2025-12-01 | 32 | 69 | 9 | 30 | 0 | 2026-06-01 | 32.2 | EARLY_SIGNAL | 15108 | VACANCY | 7 | county delinquency rate mapped to the ZIP; the ZIP scores… |
| 33703 | 12103 | pinellas | FL | 1.1 | 1.6 | 2025-12-01 | 32 | 69 | 9 | 30 | 0 | 2026-06-01 | 32.2 | EARLY_SIGNAL | 15108 | BANK_INSTITUTIONAL | 7 | county delinquency rate mapped to the ZIP; the ZIP scores… |
| 33704 | 12103 | pinellas | FL | 1.1 | 1.6 | 2025-12-01 | 32 | 69 | 9 | 30 | 0 | 2026-06-01 | 33.4 | EARLY_SIGNAL | 11975 | VACANCY | 7 | county delinquency rate mapped to the ZIP; the ZIP scores… |
| 33705 | 12103 | pinellas | FL | 1.1 | 1.6 | 2025-12-01 | 32 | 69 | 9 | 30 | 0 | 2026-06-01 | 34.6 | EARLY_SIGNAL | 9043 | VACANCY | 7 | county delinquency rate mapped to the ZIP; the ZIP scores… |
Questions
- Is this a list of delinquent borrowers?
- No. It is area-level performance data: the share of mortgages 90 or more days late in each county and ZIP. No borrower is identified.
- Is every county covered?
- Yes: 3,150 counties in 50 states and DC. 507 are measured directly by the CFPB county sample and carry rank, percentile, trend and the monthly history. Every other county carries its metro-area, non-metro or state reading, with the basis named on the row, exactly as the state and national files do.
- How current is the data?
- The as-of date is shown on this page, on the checkout and in the file header. A package is only offered while its datasets pass DLRadar's freshness gate; if a source stalls, the package is withdrawn until it refreshes.
- Can I resell or republish the file?
- No. Each file is licensed to the buyer and every row carries a per-order fingerprint. You may use it for your own research, marketing and acquisitions.