The national delinquency rate remained at 8.15% at the end of December, the same as the prior month, according to Lender Processing Services' "first look" mortgage report.
The Jacksonville, Fla.-based analytic firm said the delinquency rate is down 7.7% from December 2011.
The delinquency rate—derived from a database of nearly 40 million loans—is based on mortgages that are 30 or more days late in payment, but not in foreclosure.
LPS said the foreclosure rate at the end of December was 4.11%, a monthly decrease of 1.3% and a year-over-year difference of 1%.
There are over four million properties nationwide that are 30 or more days delinquent and a little less than 1.8 million homes that have mortgages 90 or more days past due.
Florida, Mississippi, Nevada, New Jersey and Illinois have the highest percentage of non-current loans. States with the lowest percentage of non-current loans are Montana, Wyoming, South Dakota, Alaska and North Dakota.
