About the data

These data come from the National Mortgage Database (NMDB), which uses a nationally representative sample of residential mortgages.


Where the data come from

The Mortgage Performance Trends data come from the NMDB, a joint project we’ve undertaken with the Federal Housing Finance Agency (FHFA). For more information, visit the NMDB program page.

The core data in the NMDB come from data maintained by one of the top three nationwide credit repositories. The NMDB has a nationally representative, 5 percent sample of all outstanding, closed-end, first-lien, 1–4 family residential mortgages.

The data and analyses presented herein are the sole product of the CFPB. Use of information downloaded from our website, and any alteration or representation regarding such information by a party, is the responsibility of such party.

Why the data matter

Mortgage delinquency rates reflect the health of the mortgage market, and the health of the overall economy.

  • The 30–89 mortgage delinquency rate is a measure of early stage delinquencies. It generally captures borrowers that have missed one or two payments. This rate can be an early indicator of mortgage market health. However, this rate is seasonally volatile and sensitive to temporary economic shocks.
  • The 90–day delinquency rate is a measure of serious delinquencies. It generally captures borrowers that have missed three or more payments. This rate measures more severe economic distress.


The Mortgage Performance Trends data have many protections in place to protect personal identity. Before the CFPB or the FHFA receive any data for the NMDB, all records are stripped of information that might reveal a consumer’s identity, such as names, addresses, and Social Security numbers. 

All data shown are aggregated by state, metropolitan statistical area, or county.

Using the data

Accessing the data

We provide comma-separated value files (CSVs) of the most up-to-date data, and we preserve archived versions of the data. Previously published delinquency rates may change between updates due to updated credit data. 

There are separate CSVs for states, metro and non-metro areas, and counties. Each CSV shows monthly delinquency rates going back to January 2008.

Why some geographic areas are unavailable

Some counties, metro areas, and non-metro areas are not shown in the Mortgage Performance Trends data because they have a small number of sample records. A delinquency rate calculated from a small number of records will be less precise, and a less reliable indicator of mortgage market health.

Frequently used terms

30–89 day delinquency rate: The number of records where the consumer is 30 to 89 days past due divided by the total number of outstanding mortgages.

90–day delinquency rate: The number of records where the consumer is 90 or more days past due, but not in foreclosure, divided by the total number of outstanding mortgages.

Delinquency: A missed mortgage payment that is recorded on a consumer’s credit file.

FIPS code: A five-digit code assigned to counties and county equivalents. This is not the same as a ZIP code.

Metro area: A metropolitan statistical area as defined by the Office of Management and Budget.

Non-metro area: The area made up of all counties within a state that do not belong to a metropolitan statistical area.