One U.S. stateOne-time file
90-Day Delinquency Report, State
Coverage right now: 3,150 counties · 51 states + dc · 507 cfpb-sampled counties · 216 months of history · data as of 2025-12-01
Every county in the state: the CFPB-covered ones ranked and trended with full context, the rest with their metro or state reading, plus ZIP scores and the state and metro series since 2008.
- Every CFPB-covered county in the state ranked, with 3 to 36-month change, trend labels, peak since 2008, national percentile and the county context columns (unemployment, phase, house prices, opportunity rank, banks, insurance)
- Every other county in the state with its metro-area or non-metro and state reading, flagged by basis, so no county is silently missing
- Full monthly history since 2008 for the covered counties, plus the CFPB state and metro series
- ZIP table: county rate labelled as mapped, beside measured ZIP stress and opportunity scores
- 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
5 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, with trend and context
counties_latest.csvOne row per CFPB-covered county.
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 covered county per month.
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, 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 and metro series since 2008
state_and_metro_history.csvOne row per geography per month.
levelgeo_idnameasof_monthdq_90_plus_pctdq_30_89_pct
ZIPs by county
zips_by_county_crosswalk.csvOne row per ZIP in a covered county: county 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 Florida, 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 12105 | polk | FL | Lakeland-Winter Haven, FL | 2025-12-01 | 2.2 | 3.8 | 0.40 | 0.60 | 1.40 | 1.90 | rising | rising | 0.133 | 9.1 | 2010-01-01 | 191 | 6.90 | 12 | 1 | 97.4 | 2.2 | 3.8 | metro area | Lakeland-Winter Haven, FL | 1.2 | 2.4 | 5.6 | 2026-08-01 | 0.3 | 0.7 | RECOVERY | 26.573878064291090823000 | 1.9 | -2.2 | 2026-06-01 | 69 | 38.0 | STRONG_BUY | VACANCY | 16 | 79 | 63.0 | 80 | 98 | 2026-10-01 |
| 12053 | hernando | FL | Tampa-St. Petersburg-Clearwater, FL | 2025-12-01 | 1.8 | 3.8 | 0.00 | 0.30 | 0.90 | 1.20 | rising | rising | 0.000 | 7.9 | 2012-06-01 | 162 | 6.10 | 26 | 2 | 93.5 | 1.3 | 2.3 | metro area | Tampa-St. Petersburg-Clearwater, FL | 1.2 | 2.4 | 5.4 | 2026-08-01 | 0.4 | 0.9 | PEAK | 5.942535693833409090000 | 0.6 | -0.3 | 2026-06-01 | 146 | 36.4 | STRONG_BUY | CONSTRUCTION | 10 | 28 | 61.0 | 71 | 99 | 2026-10-01 |
| 12111 | st lucie | FL | Port St. Lucie, FL | 2025-12-01 | 1.8 | 3.3 | 0.00 | 0.20 | 1.00 | 1.30 | rising | rising | 0.000 | 11.4 | 2009-12-01 | 192 | 9.60 | 26 | 2 | 93.5 | 1.6 | 2.7 | metro area | Port St. Lucie, FL | 1.2 | 2.4 | 5.3 | 2026-08-01 | 0.3 | 0.8 | CONTRACTION | 23.928303940247701341000 | -0.7 | -0.8 | 2026-06-01 | 293 | 34.8 | PEAK_OPPORTUNITY | CONSTRUCTION | 11 | 42 | 63.0 | 90 | 90 | 2026-10-01 |
| 12127 | volusia | FL | Deltona-Daytona Beach-Ormond Beach, FL | 2025-12-01 | 1.7 | 2.6 | 0.30 | 0.50 | 1.00 | 1.30 | rising | rising | 0.100 | 7.9 | 2011-08-01 | 172 | 6.20 | 35 | 4 | 91.7 | 1.6 | 2.6 | metro area | Deltona-Daytona Beach-Ormond Beach, FL | 1.2 | 2.4 | 5.2 | 2026-08-01 | 0.3 | 0.9 | CONTRACTION | 8.731379926904723145000 | -0.5 | -0.8 | 2026-06-01 | 226 | 35.6 | PEAK_OPPORTUNITY | CONSTRUCTION | 20 | 96 | 64.0 | 80 | 98 | 2026-10-01 |
| 12083 | marion | FL | Ocala, FL | 2025-12-01 | 1.7 | 2.8 | 0.20 | 0.50 | 1.00 | 1.10 | rising | rising | 0.067 | 9.0 | 2012-06-01 | 162 | 7.30 | 35 | 4 | 91.7 | 1.7 | 2.8 | metro area | Ocala, FL | 1.2 | 2.4 | 5.7 | 2026-08-01 | 0.4 | 0.9 | RECOVERY | 17.278164665780864394000 | 1.9 | -1.2 | 2026-06-01 | 293 | 34.8 | PEAK_OPPORTUNITY | CONSTRUCTION | 21 | 68 | 61.0 | 94 | 87 | 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 |
|---|---|---|---|---|---|
| 12001 | alachua | FL | 2008-01-01 | 1.5 | 3.0 |
| 12001 | alachua | FL | 2008-02-01 | 1.6 | 2.8 |
| 12001 | alachua | FL | 2008-03-01 | 1.6 | 3.0 |
| 12001 | alachua | FL | 2008-04-01 | 1.4 | 2.9 |
| 12001 | alachua | FL | 2008-05-01 | 1.5 | 2.8 |
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 12041 | gilchrist | FL | Gainesville, FL | metro area | 1.4 | 2.3 | 1.2 | 2.4 | 2025-12-01 | 5.0 | 2026-08-01 | 0.4 | 1.1 | CONTRACTION | -0.3 | 245 | 35.4 | PEAK_OPPORTUNITY | 4 | 58.0 | 87 |
| 12075 | levy | FL | Gainesville, FL | metro area | 1.4 | 2.3 | 1.2 | 2.4 | 2025-12-01 | 5.4 | 2026-08-01 | 0.3 | 1.1 | CONTRACTION | -0.3 | 420 | 33.9 | PEAK_OPPORTUNITY | 4 | 62.0 | 99 |
| 12003 | baker | FL | Jacksonville, FL | metro area | 1.2 | 2.4 | 1.2 | 2.4 | 2025-12-01 | 5.0 | 2026-08-01 | 0.4 | 1.3 | CONTRACTION | -0.9 | 420 | 33.9 | PEAK_OPPORTUNITY | 3 | 61.0 | 91 |
| 12007 | bradford | FL | non-metro area | 1.2 | 3.4 | 1.2 | 2.4 | 2025-12-01 | 5.5 | 2026-08-01 | 0.6 | 1.4 | PEAK | 3.8 | 491 | 33.5 | PEAK_OPPORTUNITY | 4 | 56.0 | 91 | |
| 12013 | calhoun | FL | non-metro area | 1.2 | 3.4 | 1.2 | 2.4 | 2025-12-01 | 5.1 | 2026-08-01 | 0.3 | 1.2 | PEAK | 3.8 | 7 | 43.2 | STRONG_BUY | 4 | 51.0 | 50 |
state_and_metro_history.csv6 columns · first 5 rows| level | geo_id | name | asof_month | dq_90_plus_pct | dq_30_89_pct |
|---|---|---|---|---|---|
| metro | •••• | C••• C•••••• M••••• F•• | 2008-01-01 | 4.4 | 4.6 |
| metro | •••• | C••• C•••••• M••••• F•• | 2008-02-01 | 4.7 | 4.4 |
| metro | •••• | C••• C•••••• M••••• F•• | 2008-03-01 | 4.5 | 4.5 |
| metro | •••• | C••• C•••••• M••••• F•• | 2008-04-01 | 4.7 | 4.2 |
| metro | •••• | C••• C•••••• M••••• F•• | 2008-05-01 | 4.6 | 4.5 |
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 33946 | 12015 | charlotte | FL | 1.3 | 2.1 | 2025-12-01 | 66 | 84 | 11 | 35 | 0 | 2026-06-01 | 51.1 | STRONG_BUY | 11 | VACANCY | 7 | county delinquency rate mapped to the ZIP; the ZIP scores… |
| 33947 | 12015 | charlotte | FL | 1.3 | 2.1 | 2025-12-01 | 66 | 84 | 11 | 35 | 0 | 2026-06-01 | 50.0 | STRONG_BUY | 19 | VACANCY | 7 | county delinquency rate mapped to the ZIP; the ZIP scores… |
| 33948 | 12015 | charlotte | FL | 1.3 | 2.1 | 2025-12-01 | 66 | 84 | 11 | 35 | 0 | 2026-06-01 | 50.9 | STRONG_BUY | 12 | VACANCY | 7 | county delinquency rate mapped to the ZIP; the ZIP scores… |
| 33950 | 12015 | charlotte | FL | 1.3 | 2.1 | 2025-12-01 | 66 | 84 | 11 | 35 | 0 | 2026-06-01 | 50.4 | STRONG_BUY | 14 | VACANCY | 7 | county delinquency rate mapped to the ZIP; the ZIP scores… |
| 33952 | 12015 | charlotte | FL | 1.3 | 2.1 | 2025-12-01 | 66 | 84 | 11 | 35 | 0 | 2026-06-01 | 52.7 | STRONG_BUY | 4 | 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.
- 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.