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.

背景：数据来源
抵押贷款表现趋势数据集来源于NMDB，该项目为我方与美国联邦住房金融局（Federal Housing Finance Agency, FHFA）联合发起的合作项目。如需了解更多详情，请访问NMDB项目页面。
NMDB的核心数据取自全美三大征信机构之一维护的数据集。NMDB采用覆盖全国的代表性抽样方案，样本覆盖所有未结清封闭式第一留置权1-4户住宅抵押贷款的5%。
本文所展示的数据与分析均为美国消费者金融保护局（Consumer Financial Protection Bureau, CFPB）的独家成果。从本网站下载的信息，以及任何一方对该信息作出的修改或表述，均由该方自行承担责任。

数据意义
抵押贷款违约率是反映抵押贷款市场乃至整体经济健康状况的核心指标。
30-89天抵押贷款违约率用于衡量早期违约情况，通常对应逾期1至2期还款的借款人。该指标可作为抵押贷款市场健康状况的早期预警信号，但存在季节性波动特征，且易受临时性经济冲击影响。
90天及以上抵押贷款违约率用于衡量严重违约情况，通常对应逾期3期及以上还款的借款人，该指标能够反映更为严峻的经济困境。

隐私保护
抵押贷款表现趋势数据集设有多重个人身份保护机制。在美国消费者金融保护局（CFPB）与联邦住房金融局（FHFA）获取NMDB相关数据前，所有记录均已剔除可能泄露消费者身份的信息，包括姓名、地址及社会安全号码。所有对外展示的数据均按州、大都市区（Metropolitan Statistical Area）或县进行聚合处理。