Pulaski County mortgage delinquencies rose for third straight year in 2025

Pulaski County’s share of mortgages at least 90 days late climbed to 1.18% in 2025, the third consecutive annual increase, according to CFPB data published in August 2026. The county rate remained above Arkansas and U.S. averages, but still below its 2019 level.

Why it matters: - Pulaski County homeowners are seeing more severe mortgage stress, which can limit refinancing, repayment and sale options. - A mortgage 90 days late does not automatically mean foreclosure has started, but it can narrow a homeowner’s choices if the problem lingers. - The county’s 2025 rate was above both Arkansas and national averages, signaling more strain locally than in the broader market.

What happened: - Pulaski County’s annual average serious-delinquency rate rose to 1.18% in 2025, marking a third straight yearly increase. - The annual average moved from 0.40% in 2022 to 0.62% in 2023, then 0.93% in 2024 and 1.18% in 2025. - The 2025 average was 27.9% higher than the 2024 average and 91.9% higher than the 2023 average. - Pulaski County’s December 2025 serious-delinquency rate reached 1.6%. - Arkansas posted a 1.3% December 2025 rate, while the national rate was 0.9%. - Pulaski County’s 2025 annual average of 1.18% exceeded Arkansas’ 0.94% average and the national 0.79% average.

The details: - CFPB Mortgage Performance Trends data, published in August 2026, were the source of the county figures. - The CFPB data come from the National Mortgage Database. - The database uses a nationally representative 5% sample of outstanding closed-end, first-lien mortgages on one-to-four-family homes. - The CFPB publishes county-level results only when at least 1,000 mortgages are represented in the sample. - The figures are estimates, not complete counts of mortgages or homeowners. - The CFPB may revise prior values as new credit data arrive. - Mortgage-servicer reporting can also affect the results. - Pulaski County’s 2025 annual average remained below its 2019 average of 1.39%. - Paranova Property Buyers published a Pulaski County mortgage delinquency data brief with annual figures, December comparisons, source, calculation method and limits. - The article also points homeowners to an early guide for people behind on mortgage payments.

Between the lines: - The county’s trend shows worsening delinquency pressure, but not an unprecedented foreclosure crisis. - The gap between Pulaski County and the state and national averages suggests local borrowers may be experiencing more concentrated hardship. - The data limits matter because county-level mortgage delinquency figures are sampled estimates that can shift with revised reporting. - Andrew Yu, founder of Paranova Property Buyers, said homeowners behind on payments should contact their mortgage servicer, confirm the amount due and deadlines in writing, and compare realistic options early.

What’s next: - CFPB updates could change earlier county figures as additional credit data come in. - Homeowners who are behind on payments may need to act early to preserve more options. - Paranova says its materials are meant to help homeowners facing missed mortgage payments and related housing decisions.

The bottom line: - Pulaski County’s mortgage stress is rising, but the latest CFPB data still place it below its 2019 peak.