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90-day mortgage delinquency, by county and state
The share of mortgages 90 or more days past due, with the 30-89 day rate, six and twelve month change and national rank. Counties are the CFPB Mortgage Performance Trends sample; every state is included. Updated as the CFPB publishes, about ten months in arrears.
These are area-level rates, not a list of delinquent borrowers or properties. For parcel-level distress, see the property tools.
507 rows · as of 2025-12
| Rank | County | St | 90+ day | 30-89 day | 6 mo | 12 mo | Trend | Unemp. | Prices YoY | Phase | Bank stress | Insurance |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | clayton | GA | 3.60% | 4.90% | +1.50 pp | +1.30 pp | rising | 4.2% | +1.2% | peak | 60.0 | 83 |
| 2 | newton | GA | 3.00% | 6.40% | +0.90 pp | +1.70 pp | rising | 3.9% | +1.2% | peak | 52.0 | 88 |
| 3 | livingston | LA | 2.90% | 4.80% | +0.50 pp | +0.70 pp | rising | 3.3% | +1.6% | peak | 63.0 | 90 |
| 4 | caddo | LA | 2.60% | 3.30% | +1.20 pp | +1.00 pp | rising | 3.8% | +5.4% | expansion | 63.0 | 86 |
| 4 | orleans | LA | 2.60% | 3.10% | +0.60 pp | +0.70 pp | rising | 4.4% | +1.7% | peak | 59.0 | 94 |
| 6 | webb | TX | 2.50% | 7.60% | +0.90 pp | 0.00 pp | rising | 4.4% | +2.8% | neutral | 43.0 | 73 |
| 7 | henry | GA | 2.40% | 5.10% | +1.00 pp | +1.00 pp | rising | 3.8% | +1.2% | peak | 59.0 | 82 |
| 7 | baltimore | MD | 2.40% | 4.00% | +0.70 pp | +0.30 pp | rising | 5.5% | +2.2% | peak | 60.0 | 26 |
| 9 | jackson | MS | 2.30% | 3.40% | +1.00 pp | +0.70 pp | rising | 3.0% | +4.8% | neutral | 64.0 | 30 |
| 9 | east baton rouge | LA | 2.30% | 3.80% | +0.80 pp | +0.50 pp | rising | 3.7% | +1.6% | peak | 58.0 | 95 |
| 9 | ector | TX | 2.30% | 5.20% | +0.70 pp | +0.80 pp | rising | 4.0% | -0.7% | contraction | 54.0 | 29 |
| 12 | hampton | VA | 2.20% | 2.90% | +1.30 pp | +1.00 pp | rising | 4.4% | +3.4% | peak | 57.0 | 24 |
| 12 | polk | FL | 2.20% | 3.80% | +0.60 pp | +1.40 pp | rising | 5.6% | +1.9% | recovery | 63.0 | 98 |
| 12 | st. tammany | LA | 2.20% | 3.00% | +0.70 pp | +0.70 pp | rising | 3.4% | +2.6% | recovery | 58.0 | 96 |
| 15 | berkeley | SC | 2.10% | 3.30% | +1.10 pp | +0.90 pp | rising | 3.9% | +4.2% | neutral | 61.0 | 93 |
| 15 | jefferson | TX | 2.10% | 4.80% | +0.60 pp | 0.00 pp | rising | 6.3% | +3.6% | peak | 61.0 | 81 |
| 15 | kanawha | WV | 2.10% | 4.60% | +0.60 pp | +0.70 pp | rising | 4.0% | +9.2% | expansion | 59.0 | 81 |
| 15 | clark | IN | 2.10% | 3.20% | +1.40 pp | +1.40 pp | rising | 3.6% | +3.8% | peak | 61.0 | 69 |
| 15 | hinds | MS | 2.10% | 5.90% | +0.50 pp | +0.30 pp | rising | 3.4% | +1.9% | peak | 56.0 | 62 |
| 20 | jefferson | LA | 2.00% | 4.50% | +0.60 pp | +0.90 pp | rising | 3.5% | +1.7% | peak | 58.0 | 96 |
| 20 | tuscaloosa | AL | 2.00% | 4.10% | +0.80 pp | +0.70 pp | rising | 3.8% | -1.6% | contraction | 63.0 | 70 |
| 20 | ascension | LA | 2.00% | 4.90% | +0.10 pp | +0.60 pp | flat | 3.1% | +1.6% | peak | 56.0 | 89 |
| 20 | pueblo | CO | 2.00% | 1.90% | +0.50 pp | +0.80 pp | rising | 6.6% | -3.7% | contraction | 59.0 | 49 |
| 24 | kaufman | TX | 1.90% | 4.20% | +0.40 pp | +0.50 pp | rising | 4.7% | +0.9% | peak | 68.0 | 65 |
| 24 | johnson | TX | 1.90% | 4.00% | +0.60 pp | +0.70 pp | rising | 4.1% | +0.9% | peak | 53.0 | 29 |
| 26 | hernando | FL | 1.80% | 3.80% | +0.30 pp | +0.90 pp | rising | 5.4% | +0.6% | peak | 61.0 | 99 |
| 26 | st lucie | FL | 1.80% | 3.30% | +0.20 pp | +1.00 pp | rising | 5.3% | -0.7% | contraction | 63.0 | 88 |
| 26 | philadelphia | PA | 1.80% | 3.60% | +0.40 pp | +0.20 pp | rising | 5.2% | +4.2% | peak | 62.0 | 23 |
| 26 | kent | DE | 1.80% | 4.10% | +0.10 pp | +0.60 pp | flat | 5.5% | +4.3% | neutral | 56.0 | 24 |
| 26 | rockwall | TX | 1.80% | 2.30% | +0.70 pp | +1.10 pp | rising | 4.1% | +0.9% | peak | 64.0 | 66 |
| 26 | oneida | NY | 1.80% | 2.50% | +0.90 pp | +0.60 pp | rising | 4.3% | +9.6% | expansion | 69.0 | 25 |
| 26 | prince george's | MD | 1.80% | 3.10% | +0.30 pp | +0.20 pp | rising | 4.4% | +1.6% | peak | 60.0 | 26 |
| 26 | camden | NJ | 1.80% | 3.40% | +0.30 pp | +0.40 pp | rising | 5.2% | +5.2% | expansion | 64.0 | 28 |
| 26 | brazoria | TX | 1.80% | 4.00% | +0.90 pp | +0.10 pp | rising | 5.1% | +2.7% | recovery | 61.0 | 81 |
| 35 | bossier | LA | 1.70% | 2.80% | +0.50 pp | +0.20 pp | rising | 3.3% | +5.4% | expansion | 67.0 | 83 |
| 35 | volusia | FL | 1.70% | 2.60% | +0.50 pp | +1.00 pp | rising | 5.2% | -0.5% | contraction | 64.0 | 98 |
| 35 | catawba | NC | 1.70% | 2.60% | +0.20 pp | +0.80 pp | rising | 3.5% | +2.3% | peak | 64.0 | 89 |
| 35 | charles | MD | 1.70% | 4.30% | 0.00 pp | +0.40 pp | flat | 4.6% | +1.6% | peak | 59.0 | 21 |
| 35 | marion | FL | 1.70% | 2.80% | +0.50 pp | +1.00 pp | rising | 5.7% | +1.9% | recovery | 61.0 | 87 |
| 35 | lafayette | LA | 1.70% | 3.50% | +0.20 pp | +0.30 pp | rising | 3.2% | +5.6% | expansion | 57.0 | 90 |
| 35 | douglas | GA | 1.70% | 5.00% | -0.10 pp | -0.30 pp | flat | 3.6% | +1.2% | peak | 56.0 | 73 |
| 35 | hidalgo | TX | 1.70% | 5.10% | +0.40 pp | +0.40 pp | rising | 6.3% | +5.7% | expansion | 61.0 | 88 |
| 35 | suffolk | VA | 1.70% | 3.50% | +0.80 pp | +0.50 pp | rising | 3.8% | +3.4% | peak | 57.0 | 21 |
| 44 | richland | SC | 1.60% | 4.20% | +0.30 pp | +0.90 pp | rising | 4.5% | +3.6% | peak | 65.0 | 89 |
| 44 | lake | FL | 1.60% | 2.50% | +0.50 pp | +1.10 pp | rising | 4.9% | +0.3% | peak | 67.0 | 95 |
| 44 | onslow | NC | 1.60% | 2.50% | +0.40 pp | +0.40 pp | rising | 3.9% | +3.6% | peak | 58.0 | 84 |
| 44 | lackawanna | PA | 1.60% | 2.70% | +0.70 pp | +0.50 pp | rising | 4.6% | +7.4% | expansion | 62.0 | 26 |
| 44 | grayson | TX | 1.60% | 2.50% | +0.70 pp | +0.90 pp | rising | 4.4% | -2.4% | contraction | 62.0 | 29 |
| 44 | franklin | PA | 1.60% | 2.70% | +1.00 pp | +0.10 pp | rising | 3.5% | +3.4% | peak | 61.0 | 20 |
| 44 | paulding | GA | 1.60% | 3.70% | +0.30 pp | +0.50 pp | rising | 3.3% | +1.2% | peak | 58.0 | 81 |
| 44 | pulaski | AR | 1.60% | 2.90% | +0.80 pp | +0.50 pp | rising | 4.0% | +2.2% | peak | 58.0 | 73 |
| 44 | mobile | AL | 1.60% | 4.10% | +0.30 pp | +0.50 pp | rising | 4.4% | +1.0% | peak | 61.0 | 90 |
| 44 | rankin | MS | 1.60% | 3.30% | +0.60 pp | +0.50 pp | rising | 2.4% | +1.9% | peak | 59.0 | 29 |
| 54 | desoto | MS | 1.50% | 4.00% | +0.30 pp | +0.30 pp | rising | 3.2% | +1.2% | peak | 59.0 | 27 |
| 54 | duval | FL | 1.50% | 2.60% | +0.30 pp | +1.00 pp | rising | 4.9% | -0.9% | contraction | 62.0 | 94 |
| 54 | canadian | OK | 1.50% | 3.10% | +0.30 pp | +0.40 pp | rising | 3.6% | +1.5% | peak | 60.0 | 66 |
| 54 | calcasieu | LA | 1.50% | 4.80% | -0.30 pp | -0.30 pp | falling | 3.8% | +8.0% | expansion | 65.0 | 86 |
| 54 | cumberland | NC | 1.50% | 3.00% | +0.40 pp | +0.50 pp | rising | 4.6% | +2.3% | peak | 56.0 | 85 |
| 54 | burlington | NJ | 1.50% | 3.00% | +0.50 pp | +0.30 pp | rising | 4.4% | +5.2% | expansion | 63.0 | 28 |
| 54 | lucas | OH | 1.50% | 3.20% | +0.50 pp | +0.30 pp | rising | 4.7% | +3.0% | peak | 63.0 | 27 |
| 54 | washington | MD | 1.50% | 2.90% | +0.40 pp | +0.50 pp | rising | 3.9% | +0.3% | peak | 63.0 | 21 |
| 54 | ellis | TX | 1.50% | 4.70% | +0.50 pp | +0.20 pp | rising | 4.3% | +0.9% | peak | 51.0 | 64 |
| 54 | bexar | TX | 1.50% | 3.30% | +0.50 pp | +0.50 pp | rising | 4.6% | -1.2% | contraction | 59.0 | 76 |
| 54 | monroe | PA | 1.50% | 3.50% | 0.00 pp | -0.10 pp | flat | 4.8% | +4.2% | peak | 62.0 | 22 |
| 54 | spartanburg | SC | 1.50% | 3.20% | +0.70 pp | +0.80 pp | rising | 4.3% | +1.7% | peak | 62.0 | 91 |
| 54 | lake | IN | 1.50% | 3.20% | +0.20 pp | +0.10 pp | rising | 4.8% | +4.3% | peak | 64.0 | 71 |
| 54 | madison | MS | 1.50% | 2.60% | +1.20 pp | +0.60 pp | rising | 2.6% | +1.9% | peak | 59.0 | 62 |
| 54 | niagara | NY | 1.50% | 3.20% | 0.00 pp | +0.60 pp | flat | 4.7% | +4.1% | peak | 61.0 | 25 |
| 69 | santa rosa | FL | 1.40% | 2.50% | +0.20 pp | +0.30 pp | rising | 4.8% | +0.2% | peak | 56.0 | 91 |
| 69 | will | IL | 1.40% | 2.50% | +0.40 pp | +0.70 pp | rising | 5.1% | +5.7% | expansion | 64.0 | 64 |
| 69 | sullivan | TN | 1.40% | 3.00% | +0.50 pp | +1.10 pp | rising | 3.5% | +1.8% | peak | 53.0 | 67 |
| 69 | lexington | SC | 1.40% | 3.10% | +0.20 pp | +0.40 pp | rising | 3.8% | +3.6% | peak | 63.0 | 87 |
| 69 | richmond | GA | 1.40% | 3.90% | +0.20 pp | +0.60 pp | rising | 4.6% | +4.9% | neutral | 65.0 | 89 |
| 69 | harris | TX | 1.40% | 3.30% | +0.30 pp | +0.10 pp | rising | 5.0% | +2.7% | recovery | 62.0 | 87 |
| 69 | dorchester | SC | 1.40% | 3.30% | +0.20 pp | +0.40 pp | rising | 3.9% | +4.2% | neutral | 60.0 | 90 |
| 69 | osceola | FL | 1.40% | 3.30% | +0.30 pp | +1.00 pp | rising | 4.8% | +0.3% | peak | 61.0 | 88 |
| 69 | citrus | FL | 1.40% | 2.80% | +0.30 pp | +1.00 pp | rising | 6.7% | +5.0% | expansion | 62.0 | 99 |
| 69 | pitt | NC | 1.40% | 3.10% | +0.50 pp | +0.20 pp | rising | 4.3% | +3.4% | neutral | 60.0 | 84 |
| 69 | saline | AR | 1.40% | 2.20% | +0.90 pp | +0.40 pp | rising | 3.1% | +2.2% | peak | 57.0 | 74 |
| 69 | clay | FL | 1.40% | 3.00% | -0.10 pp | +0.80 pp | flat | 4.7% | -0.9% | contraction | 61.0 | 92 |
| 69 | st. mary's | MD | 1.40% | 2.60% | +0.60 pp | +0.40 pp | rising | 3.7% | -0.8% | contraction | 59.0 | 22 |
| 69 | fulton | GA | 1.40% | 2.30% | +0.40 pp | +0.70 pp | rising | 3.5% | +1.2% | peak | 62.0 | 95 |
| 83 | montgomery | OH | 1.30% | 2.80% | +0.50 pp | +0.20 pp | rising | 3.9% | +4.6% | peak | 62.0 | 27 |
| 83 | st. clair | IL | 1.30% | 3.00% | -0.10 pp | +0.80 pp | flat | 3.9% | +3.9% | peak | 65.0 | 65 |
| 83 | mahoning | OH | 1.30% | 2.40% | +0.40 pp | +0.30 pp | rising | 5.0% | +3.8% | peak | 59.0 | 24 |
| 83 | bronx | NY | 1.30% | 2.10% | +0.10 pp | -0.10 pp | flat | 7.1% | +4.9% | peak | 66.0 | 26 |
| 83 | lake | OH | 1.30% | 2.90% | +0.50 pp | +0.50 pp | rising | 1.6% | +3.8% | peak | 68.0 | 28 |
| 83 | johnson | IN | 1.30% | 2.50% | +0.40 pp | +0.50 pp | rising | 3.1% | +3.1% | peak | 64.0 | 27 |
| 83 | cuyahoga | OH | 1.30% | 2.60% | +0.30 pp | +0.20 pp | rising | 1.9% | +3.8% | peak | 67.0 | 30 |
| 83 | smith | TX | 1.30% | 3.30% | +0.30 pp | +0.60 pp | rising | 4.2% | +3.0% | neutral | 57.0 | 66 |
| 83 | broome | NY | 1.30% | 2.00% | -0.20 pp | +0.20 pp | falling | 4.5% | +1.8% | peak | 59.0 | 69 |
| 83 | yuma | AZ | 1.30% | 3.70% | +0.20 pp | +0.60 pp | rising | 19.0% | -0.9% | contraction | 63.0 | 25 |
| 83 | midland | TX | 1.30% | 4.30% | +0.60 pp | +0.30 pp | rising | 3.3% | +3.8% | neutral | 52.0 | 27 |
| 83 | berkeley | WV | 1.30% | 4.20% | +0.10 pp | -0.10 pp | flat | 3.5% | +0.3% | peak | 59.0 | 27 |
| 83 | wayne | MI | 1.30% | 3.20% | +0.30 pp | +0.30 pp | rising | 6.9% | +4.2% | peak | 65.0 | 70 |
| 83 | weld | CO | 1.30% | 2.40% | +0.70 pp | +0.50 pp | rising | 5.0% | +0.6% | peak | 61.0 | 20 |
| 83 | montgomery | AL | 1.30% | 3.20% | +0.40 pp | +0.40 pp | rising | 4.0% | +5.4% | expansion | 61.0 | 77 |
| 83 | south central connecticut | CT | 1.30% | 3.00% | +0.30 pp | +0.60 pp | rising | 4.9% | +5.5% | expansion | — | 0 |
| 83 | charlotte | FL | 1.30% | 2.10% | +0.40 pp | +0.70 pp | rising | 5.9% | -3.2% | contraction | 58.0 | 99 |
| 83 | escambia | FL | 1.30% | 2.10% | -0.10 pp | +0.10 pp | flat | 5.0% | +0.2% | peak | 59.0 | 86 |
What is combined: CFPB mortgage performance (90+ and 30-89 day delinquency, with a lag of about ten months) beside, for each county, BLS unemployment (monthly), FHFA house-price change and market phase, FDIC-based bank stress (quarterly bank reports) and home-insurance distress. Each source shows its latest available month, so the columns do not share a single date.
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