While the company estimates that about one million homeowners have not made a monthly mortgage payment in more than a year, CoreLogic says conventional measures of delinquency continue to retreat from pandemic highs. The national delinquency rate, the percentage of home mortgages that were 30 or more days past due in July, including those in foreclosure, was 4.2 percent. The previous July the rate was 6.5 percent and in February 2020, the month before COVID-19 hit the U.S., the rate was 3.6 percent. Early stage delinquencies, those 30 to 59 days past due, were at a rate of 1.1 percent in July, an annual decline of 0.4 percentage point. The rate of adverse delinquency, loans 60 to 89 days in arrears, declined from 1.0 percent in July 2020 to 0.3 percent. Serious delinquencies, loans 90 or more days past due, including those in foreclosure, dropped from 4.1 percent to 2.8 percent. CoreLogic says the serious delinquency rate, while still elevated, is the lowest since May 2020.