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Which US Counties are most vulnerable to Residential Mortgage Delinquency?

According to REUTERS, US mortgage delinquency rates drop to an all-time low. However, due to economic uncertainty, Market Stadium analyzed which counties were most vulnerable to residential mortgage delinquency.


Overall, mortgage delinquency rates, including delinquencies of 30 to 89 days and more than 90 days, remain low at approximately 1% compared to the GFC (2008), when it exceeded 4%.


Below is a color map based on the delinquency rate of 90+ days calculated as the average value from January to March 2023. This is a measure of serious delinquency, which indicates serious financial hardship. Within 20 counties in the below table, 8 counties in New York and New Jersey states are included.


Serious Delinquencies (90+ days) unit: %

Source: Consumer Financial Protection Bureau


Below is a color map based on the delinquency rate of 30-89 days calculated as the average value from January to March 2023. This is a measure of early-stage delinquencies, which indicates the mortgage market's overall health. Unlike the result above, most vulnerable counties are located in the Midwest States


Early Stage Delinquencies (30-89 days) unit: %

Source: Consumer Financial Protection Bureau



Top 20 Counties by Early Stage Delinquencies (30-89 days)












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