CFPB Mortgage Delinquency Data

BackgroundWhere the data come fromThe 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.<br><br>Why the data matter<br>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.<br>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.<br>Privacy<br>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.<br><br>***<br>Microdata: Yes<br>Level of Analysis: Local - county, state<br>Variables Present: Yes<br>File Layout: .csv<br>Codebook: No<br>Methods: Yes - https://www.consumerfinance.gov/data-research/mortgage-performance-trends/about-the-data/<br>Weights (with appropriate documentation): No<br>Publications: No<br>Aggregate Data: Yes - https://www.consumerfinance.gov/data-research/mortgage-performance-trends/mortgages-30-89-days-delin...