Mortgage delinquencies are continuing a slow retreat into pre-pandemic territory. CoreLogic’s Loan Performance Report for November put the percentage of loans that were 30 or more days past due, including those in foreclosure at 5.9 percent. While this is still 2 points higher than the rate in November 2019, it is the lowest overall rate since the initial surge in April of last year. The overall delinquency rate reached 7.1 percent by summer before beginning to improve. The rate for early-stage delinquencies, those 30 to 59 days past due, was 1.4 percent in November, down from 2.0 percent a year earlier while adverse delinquency, loans 60 to 89 days past due, was unchanged year-over-year at 0.6 percent.