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Metropolitan Delinquency and Foreclosure Data, December 2010

Please note: This is an archived page. For the most current data, click here.

Released April 28, 2011

This page provides data on the share of mortgages in each U.S. metropolitan area that is seriously delinquent -- either 90 or more days past due or currently in foreclosure -- as well as the metropolitan foreclosure rate. The data were derived through analysis of LPS Applied Analytics Data by Local Initiatives Support Corporation (LISC). Data will be updated on a quarterly basis.

To access the data and rankings for December 2010, use the links in the blue box to the right.

In addition to the data and rankings, Urban Institute researchers have provided analysis of the serious delinquency rate in the 100 largest metropolitan areas [PDF].
 
Prior data for September 2010, June 2010, and March 2010 are also available.

The December 2010 and March 2010 data were released in partnership with the Urban Institute's MetroTrends website. MetroTrends is the Urban Institute's metropolitan report card with the latest information on social and economic trends in urban America. The latest MetroTrends commentary on the share of seriously delinquent mortgages for the nation's 100 largest metropolitan areas is available on the MetroTrends website at: http://www.metrotrends.org/Commentary/mortgage-delinquency.cfm.

Please note that a separate but related data resource on Foreclosure-Response.org is the Intrametropolitan ZIP Code Level Needs Scores. These data show the relative foreclosure needs at the ZIP Code level within a metropolitan area and will be useful in assessing foreclosure-related needs within metro areas.
Map, Rankings, and Resources

Top 25 Metropolitan Areas by:
 
 
 

Map of Serious Delinquency Rates in U.S. Metropolitan Areas, December 2010

Metropolitan areas shown in medium or dark blue -- including most of Texas, the Pacific Northwest, and the Central and Mountain time zones -- have relatively low rates of serious mortgage delinquencies, while metropolitan areas shown in yellow or red -- including nearly all of Florida and California, parts of New Jersey and the Great Lakes region, and the Memphis metro area -- have higher serious delinquency rates. See the map below and its legend for more information.
Map of Metropolitan Area Serious Delinquency Rates
Note: The end points for each of the categories in the legend above are at exactly 3 percent, 7 percent, 11 percent, etc. The next category begins at anything higher than the prior category (for example, 3.000000001 percent).
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Metropolitan Rankings by Foreclosure Rate

The table below ranks the 25 U.S. metropolitan areas with the highest foreclosure rates in December 2010. Their prime and subprime foreclosure rates are also shown. For information on all metro areas included in this study, download this Excel file.

TOP 25 METROPOLITAN AREAS BY FORECLOSURE RATE, DECEMBER 2010
RankMetropolitan Statistical AreaForeclosure RatePrime Foreclosure RateSubprime Foreclosure Rate
1Miami-Fort Lauderdale-Pompano Beach, FL18.2%14.1%38.4%
2Palm Coast, FL17.3%13.6%44.3%
3Port St. Lucie, FL16.1%12.4%37.7%
4Cape Coral-Fort Myers, FL16.0%12.8%39.4%
5Punta Gorda, FL15.1%12.0%38.0%
6Orlando-Kissimmee, FL14.7%11.6%34.3%
7Tampa-St. Petersburg-Clearwater, FL14.5%10.6%36.7%
8Bradenton-Sarasota-Venice, FL14.3%11.3%40.4%
9Las Vegas-Paradise, NV14.1%11.2%30.0%
10Naples-Marco Island, FL13.4%11.3%40.3%
11Deltona-Daytona Beach-Ormond Beach, FL13.4%9.9%33.3%
12Lakeland-Winter Haven, FL13.4%9.8%30.3%
13Sebastian-Vero Beach, FL13.1%10.0%36.0%
14Ocala, FL12.8%9.4%30.3%
15Vineland-Millville-Bridgeton, NJ12.8%8.5%37.7%
16Palm Bay-Melbourne-Titusville, FL11.5%8.3%35.1%
17Jacksonville, FL10.8%7.6%28.8%
18Atlantic City-Hammonton, NJ10.3%7.7%36.8%
19Panama City-Lynn Haven-Panama City Beach, FL9.9%8.0%31.0%
20Fort Walton Beach-Crestview-Destin, FL9.8%7.4%36.9%
21Kankakee-Bradley, IL9.7%5.8%27.3%
22Youngstown-Warren-Boardman, OH-PA9.3%6.5%25.0%
23Terre Haute, IN8.8%6.1%23.7%
24Kokomo, IN8.5%6.6%24.7%
25Reno-Sparks, NV8.2%6.5%24.5%

Source: Analysis of LPS Applied Analytics data by Local Initiatives Support Corporation, tabulated by the Urban Institute

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Metropolitan Rankings by Serious Delinquency Rate

The table below ranks the 25 U.S. metropolitan areas with the highest serious delinquency rates in December 2010. Serious delinquency rate is defined as the share of all first-lien mortgages in foreclosure or 90+ days delinquent. The metropolitan foreclosure rates and 90+ day delinquency rates are also shown. For information on all metro areas included in this study, download this Excel file.

TOP 25 METROPOLITAN AREAS BY SERIOUS DELINQUENCY RATE, DECEMBER 2010
RankMetropolitan Statistical AreaSerious Delinquency Rate*90+ Days Delinquency RateForeclosure Rate
1Miami-Fort Lauderdale-Pompano Beach, FL24.6%6.4%18.2%
2Las Vegas-Paradise, NV24.1%10.1%14.1%
3Palm Coast, FL22.1%4.8%17.3%
4Cape Coral-Fort Myers, FL21.8%5.8%16.0%
5Port St. Lucie, FL21.7%5.6%16.1%
6Orlando-Kissimmee, FL21.1%6.4%14.7%
7Lakeland-Winter Haven, FL19.9%6.5%13.4%
8Punta Gorda, FL19.8%4.7%15.1%
9Tampa-St. Petersburg-Clearwater, FL19.7%5.2%14.5%
10Deltona-Daytona Beach-Ormond Beach, FL19.0%5.6%13.4%
11Vineland-Millville-Bridgeton, NJ18.9%6.2%12.8%
12Bradenton-Sarasota-Venice, FL18.8%4.5%14.3%
13Naples-Marco Island, FL18.0%4.5%13.4%
14Ocala, FL17.9%5.1%12.8%
15Sebastian-Vero Beach, FL17.2%4.1%13.1%
16Jacksonville, FL16.4%5.6%10.8%
17Palm Bay-Melbourne-Titusville, FL16.1%4.5%11.5%
18Memphis, TN-MS-AR15.6%7.4%8.2%
19El Centro, CA15.6%8.5%7.0%
20Riverside-San Bernardino-Ontario, CA15.4%8.3%7.2%
21Kankakee-Bradley, IL15.3%5.6%9.7%
22Atlantic City-Hammonton, NJ14.9%4.6%10.3%
23Merced, CA14.8%7.4%7.4%
24Stockton, CA14.8%7.8%7.0%
25Madera-Chowchilla, CA14.2%7.4%6.8%

Source: Analysis of LPS Applied Analytics data by Local Initiatives Support Corporation, tabulated by the Urban Institute

*Serious Delinquency Rate = Share of all first-lien mortgages 90 plus days delinquent or in foreclosure.

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Metropolitan Rankings by Change in Serious Delinquency Rate, December 2009 to December 2010

The table below ranks the 25 U.S. metropolitan areas with the largest growth in the serious delinquency rate between December 2009 and December 2010. The serious delinquency rates in December 2009 and December 2010 are also shown. For information on all metro areas included in this study, download this Excel file.

TOP 25 METROPOLITAN AREAS BY GROWTH IN SERIOUS DELINQUENCY RATE, DEC. 2009 TO 2010
RankMetropolitan Statistical AreaSerious Delinquency Rate*
Year over Year Pct. Point Change Dec. 2009Dec. 2010
1Vineland-Millville-Bridgeton, NJ1.417.5%18.9%
2Kingston, NY1.211.9%13.1%
3Carson City, NV1.110.0%11.1%
4Atlantic City-Hammonton, NJ1.113.8%14.9%
5Lewiston-Auburn, ME1.19.5%10.5%
6Palm Coast, FL1.021.2%22.1%
7Poughkeepsie-Newburgh-Middletown, NY0.911.8%12.7%
8Fort Walton Beach-Crestview-Destin, FL0.911.8%12.7%
9Gainesville, FL0.98.7%9.6%
10Brunswick, GA0.89.1%9.9%
11Seattle-Tacoma-Bellevue, WA0.87.5%8.2%
12Decatur, IL0.78.7%9.4%
13Medford, OR0.79.0%9.7%
14Pensacola-Ferry Pass-Brent, FL0.710.6%11.3%
15Olympia, WA0.76.4%7.1%
16Champaign-Urbana, IL0.75.5%6.1%
17Bremerton-Silverdale, WA0.76.1%6.8%
18Tallahassee, FL0.69.7%10.3%
19Wenatchee-East Wenatchee, WA0.64.6%5.3%
20Jacksonville, FL0.615.8%16.4%
21Longview, WA0.67.4%8.0%
22Bangor, ME0.68.7%9.4%
23Eugene-Springfield, OR0.65.7%6.3%
24Mount Vernon-Anacortes, WA0.67.1%7.6%
25Valdosta, GA0.68.2%8.8%

Source: Analysis of LPS Applied Analytics data by Local Initiatives Support Corporation, tabulated by the Urban Institute

*Serious Delinquency Rate = Share of all first-lien mortgages 90 plus days delinquent or in foreclosure.

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