NationwideOne-time file
90-Day Delinquency Hotspots, National
Coverage right now: 3,150 counties · 507 cfpb-sampled counties · 51 states + dc · 110K county-month rows · data as of 2025-12-01
All 3,150 counties in one file: 507 ranked from the CFPB county sample with trend, peak and context, the rest with their metro or state reading, plus every state and metro series since 2008.
- All 507 CFPB-covered counties ranked nationally and in-state with percentile, 3 to 36-month change, trend labels, slope, peak since 2008 and the county context columns
- All 2,640-plus remaining counties with their metro-area, non-metro or state reading, flagged by basis: 3,150 counties in one file
- Full monthly history since 2008 for every covered county (about 110,000 rows) plus every state, metro and non-metro series
- Not included: phone numbers, emails or skip tracing. Public-record data, dated, with the source named in every file.
- Counties
- 3,150
- CFPB-sampled counties
- 507
- States + DC
- 51
- County-month rows
- 110K
What is in the file
4 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.
Covered counties ranked nationally, with trend and context
counties_latest.csvOne row per CFPB-covered county (507).
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 county per month (about 110,000 rows).
county_fipscounty_namestateasof_monthdq_90_plus_pctdq_30_89_pct
Other counties: metro and state reading
counties_without_cfpb_data.csvOne row per county the CFPB sample does not cover (about 2,640), with the reading basis.
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
State, metro and non-metro series since 2008
state_and_metro_history.csvOne row per geography per month.
levelgeo_idnameasof_monthdq_90_plus_pctdq_30_89_pct
Sample rows
Real rows from United States, 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 5 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 13063 | clayton | GA | Atlanta-Sandy Springs-Roswell, GA | 2025-12-01 | 3.6 | 4.9 | 0.60 | 1.50 | 1.30 | 2.30 | rising | rising | 0.200 | 12.0 | 2010-02-01 | 190 | 8.40 | 1 | 1 | 100.0 | 1.3 | 2.8 | metro area | Atlanta-Sandy Springs-Roswell, GA | 1.3 | 2.8 | 4.2 | 2026-08-01 | -0.3 | -0.4 | PEAK | 17.605864425211020886000 | 1.2 | 0.0 | 2026-06-01 | 568 | 33.1 | PEAK_OPPORTUNITY | CONSTRUCTION | 10 | 23 | 60.0 | 71 | 89 | 2026-10-01 |
| 13217 | newton | GA | Atlanta-Sandy Springs-Roswell, GA | 2025-12-01 | 3.0 | 6.4 | 0.10 | 0.90 | 1.70 | 2.20 | rising | rising | 0.033 | 10.4 | 2010-01-01 | 191 | 7.40 | 2 | 2 | 99.8 | 1.3 | 2.8 | metro area | Atlanta-Sandy Springs-Roswell, GA | 1.3 | 2.8 | 3.9 | 2026-08-01 | -0.3 | -0.6 | PEAK | 17.605864425211020886000 | 1.2 | 0.0 | 2026-06-01 | 924 | 31.5 | WATCHLIST | CONSTRUCTION | 9 | 9 | 52.0 | 67 | 90 | 2026-10-01 |
| 22063 | livingston | LA | Baton Rouge, LA | 2025-12-01 | 2.9 | 4.8 | 0.00 | 0.50 | 0.70 | 1.60 | rising | rising | 0.000 | 4.0 | 2009-12-01 | 192 | 1.10 | 3 | 1 | 99.6 | 2.2 | 4.4 | metro area | Baton Rouge, LA | 2.1 | 4.2 | 3.3 | 2026-08-01 | -0.7 | PEAK | 19.371984054829000000000 | 1.6 | 0.0 | 2026-06-01 | 195 | 35.9 | PEAK_OPPORTUNITY | CONSTRUCTION | 11 | 20 | 63.0 | 93 | 89 | 2026-10-01 | |
| 22017 | caddo | LA | Shreveport-Bossier City, LA | 2025-12-01 | 2.6 | 3.3 | 0.90 | 1.20 | 1.00 | 1.30 | rising | rising | 0.300 | 4.9 | 2010-02-01 | 190 | 2.30 | 4 | 2 | 99.2 | 2.3 | 3.2 | metro area | Shreveport-Bossier City, LA | 2.1 | 4.2 | 3.8 | 2026-08-01 | -1.2 | EXPANSION | 41.397739373015850000000 | 5.4 | 0.0 | 2026-06-01 | 533 | 33.3 | PEAK_OPPORTUNITY | VACANCY | 22 | 69 | 63.0 | 93 | 86 | 2026-10-01 | |
| 22071 | orleans | LA | New Orleans-Metairie, LA | 2025-12-01 | 2.6 | 3.1 | 0.40 | 0.60 | 0.70 | 2.20 | rising | rising | 0.133 | 6.0 | 2010-03-01 | 189 | 3.40 | 4 | 2 | 99.2 | 2.2 | 4.3 | metro area | New Orleans-Metairie, LA | 2.1 | 4.2 | 4.4 | 2026-08-01 | -1.0 | PEAK | 15.986388109717380984000 | 1.7 | -1.0 | 2026-06-01 | 89 | 37.5 | STRONG_BUY | VACANCY | 20 | 75 | 59.0 | 77 | 93 | 2026-10-01 |
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 |
|---|---|---|---|---|---|
| 01003 | baldwin | AL | 2008-01-01 | 1.3 | 2.8 |
| 01003 | baldwin | AL | 2008-02-01 | 1.2 | 3.1 |
| 01003 | baldwin | AL | 2008-03-01 | 1.1 | 3.2 |
| 01003 | baldwin | AL | 2008-04-01 | 1.3 | 2.5 |
| 01003 | baldwin | AL | 2008-05-01 | 1.5 | 2.7 |
counties_without_cfpb_data.csv22 columns · first 5 rows| county_fips | county_name | state | metro_area | reading_basis | area_dq_90_plus_pct | area_dq_30_89_pct | state_dq_90_plus_pct | state_dq_30_89_pct | as_of | unemployment_rate_pct | unemployment_month | unemployment_chg_12m_pp | unemployment_chg_24m_pp | market_phase | hpi_yoy_pct | opportunity_rank_national | opportunity_index | opportunity_phase | bank_count | weighted_avg_bank_stress | insurance_distress_score |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 22031 | de soto | LA | Shreveport-Bossier City, LA | metro area | 2.3 | 3.2 | 2.1 | 4.2 | 2025-12-01 | 3.8 | 2026-08-01 | -1.4 | EXPANSION | 5.4 | 545 | 33.2 | OVERHEATED | 6 | 67.0 | 43 | |
| 22057 | lafourche | LA | Houma-Bayou Cane-Thibodaux, LA | metro area | 2.3 | 3.6 | 2.1 | 4.2 | 2025-12-01 | 3.3 | 2026-08-01 | -0.9 | CONTRACTION | -1.0 | 437 | 33.8 | PEAK_OPPORTUNITY | 11 | 56.0 | 96 | |
| 22109 | terrebonne | LA | Houma-Bayou Cane-Thibodaux, LA | metro area | 2.3 | 3.6 | 2.1 | 4.2 | 2025-12-01 | 3.4 | 2026-08-01 | -0.9 | CONTRACTION | -1.0 | 47 | 38.7 | STRONG_BUY | 12 | 52.0 | 95 | |
| 22007 | assumption | LA | Baton Rouge, LA | metro area | 2.2 | 4.4 | 2.1 | 4.2 | 2025-12-01 | 3.7 | 2026-08-01 | -1.3 | PEAK | 1.6 | 136 | 36.6 | STRONG_BUY | 3 | 47.0 | 89 | |
| 22037 | east feliciana | LA | Baton Rouge, LA | metro area | 2.2 | 4.4 | 2.1 | 4.2 | 2025-12-01 | 3.8 | 2026-08-01 | -1.1 | PEAK | 1.6 | 374 | 34.2 | PEAK_OPPORTUNITY | 3 | 61.0 | 49 |
state_and_metro_history.csv6 columns · first 5 rows| level | geo_id | name | asof_month | dq_90_plus_pct | dq_30_89_pct |
|---|---|---|---|---|---|
| metro | •••• | A•••••• T•• | 2008-01-01 | 1.4 | 3.6 |
| metro | •••• | A•••••• T•• | 2008-02-01 | 1.4 | 2.7 |
| metro | •••• | A•••••• T•• | 2008-03-01 | 1.6 | 2.0 |
| metro | •••• | A•••••• T•• | 2008-04-01 | 1.0 | 2.4 |
| metro | •••• | A•••••• T•• | 2008-05-01 | 1.0 | 2.6 |
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.
- 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.