美国抵押贷款违约率略有下降至3.72%,但从2023年开始显示4%的增长. U.S. mortgage delinquency rate edges down slightly to 3.72%, but shows a 4% increase from 2023.

2024年12月,美国抵押贷款违约率为3.72%,略低于上个月,但同比增长了4%,连续七年增长. In December 2024, the U.S. delinquency rate for mortgages was 3.72%, slightly down from the previous month but up 4% year-over-year, marking seven straight annual increases. 严重违约增加了5.7%,而抵押开始平均为每月26,800次,比2023年下降了6%. Serious delinquencies rose by 5.7%, while foreclosure starts averaged 26,800 monthly, down 6% from 2023. 预付款支付活动下降至0.57%,从11月起下降9.8%,但由于利率上升,同比增长47.2%。 Prepayment activity fell to 0.57%, down 9.8% from November but up 47.2% year-over-year due to rising interest rates. 路易斯安那州青少年犯罪率最高,为8.6%,而俄勒冈州和科罗拉多州最低,为2.1-2.3%。 Louisiana had the highest delinquency rate at 8.6%, while states like Oregon and Colorado had the lowest at 2.1-2.3%.