Four Years of Pulaski County Data
| Year | Average percentage of mortgages at least 90 days late |
|---|---|
| 2022 | 0.40% |
| 2023 | 0.62% |
| 2024 | 0.93% |
| 2025 | 1.18% |
The 2025 annual average was 27.9% higher than the 2024 average and 91.9% higher than the 2023 average. Those are percentage changes in the rate, not the percentage of Pulaski County homeowners who newly became late.
How Pulaski County Compared
| Area | 2025 annual average | December 2025 |
|---|---|---|
| Pulaski County | 1.18% | 1.6% |
| Arkansas | 0.94% | 1.3% |
| United States | 0.79% | 0.9% |
Pulaski County's 2025 annual average was above the Arkansas and national averages. Its December rate was also higher than both comparison rates.
The Longer View Matters
The rise is worth watching, but it does not show an unprecedented crisis. Pulaski County's 2025 annual average of 1.18% remained below its 2019 annual average of 1.39%. The December 2025 rate of 1.6% returned to the upper end of the county's 2019 monthly range.
The careful conclusion is that serious mortgage delinquency rose for three years and moved closer to its pre-pandemic range. The data do not show that every late borrower will face foreclosure or need to sell.
What “90 Days Late” Means
The Consumer Financial Protection Bureau calls mortgages at least 90 days late serious delinquencies. This generally means the borrower has missed three or more payments.
It is not the same as a foreclosure filing, a completed foreclosure, or a count of homes that must be sold. A homeowner may still have lender programs, repayment choices, legal protections, or sale options depending on the loan and timeline.
If Your Mortgage Payment Is Late
Start with facts, not assumptions:
- Contact the mortgage servicer and ask for the current amount due, available assistance, and every important deadline in writing.
- Review your income, other debts, property condition, likely sale value, and the time available before choosing a path.
- Compare keeping the home with selling it before time pressure removes options.
Read the early guide for homeowners behind on mortgage payments.
If a foreclosure notice or sale date is involved, talk with a qualified housing counselor or Arkansas attorney promptly. This article provides general education and does not give legal, financial, or tax advice.
Source and Method
The data come from the Consumer Financial Protection Bureau's Mortgage Performance Trends files, published in August 2026 and covering January 2008 through December 2025.
The National Mortgage Database uses a nationally representative 5% sample of outstanding closed-end, first-lien mortgages on one-to-four-family homes. The CFPB publishes county data only when at least 1,000 mortgages are represented in its sample. The annual figures in this article are simple averages of the 12 monthly percentages in each calendar year.
The CFPB may revise earlier values as new credit data arrive. Public emergencies and mortgage-servicer reporting can also affect the results. Read the CFPB methodology before using these figures for another analysis.
