This dataset offers a detailed month-by-month overview of mortgage delinquency rates, specifically for mortgages that were 30 to 89 days late, across the United States both at the national and state levels. Covering a period from January 2008 to March 2018, it provides a comprehensive view of the trends in late mortgage payments over a decade, including the years surrounding the financial crisis and its aftermath.
Each row in the dataset represents either a specific state or the country as a whole, with columns detailing monthly delinquency rates for each region over the specified time frame. The dataset includes a 'RegionType' column distinguishing between national and state-level data, a 'Name' column indicating the state or "United States" for national data, and a 'FIPSCode' for state identification.
This data is particularly useful for economists, financial analysts, and policymakers looking to study the dynamics of the housing market, understand the impact of economic changes on mortgage repayments, and assess regional variations in the health of the housing sector.