Bet I got your curiosity peaked with that Title! Any guesses what we are talking about (other than the state of  “poor”, or “no”)? All kidding aside…

We ran across a kind of cool interactive map of the United States that shows which parts of the country are defaulting on mortgage and credit-card loans. The color-coded map, which is provided courtesy of the Federal Reserve Bank of New York, is an interesting way to visualize the true extent of what is happening in the credit and mortgage arena across our country.

The data is a bit outdated, according the the website it is based on data ending Q2 2008.  The  source of the data is reported to be from the credit reporting agency, TransUnion, LLC and its Trend Data database. They define bank card delinquency as credit card accounts which or delinquent for 60+ days, and mortgage loans that have been delinquent for 90+ days.

The darker the shading color, the higher the percentage of credit card or mortgage delinquencies. The data is presented by county for all of the fifty states, with the disclaimer that “Data for the smallest 10 percent of the counties by population have been removed and the counties are shaded grey because small population statistics are prone to extreme values and erratic fluctuations.”

Interestingly, a wide band across the mid-section of America appears to be stable, while not suprisingly the sunshine states of Florida and California appear to be the most hard-hit. You can click on the map at any point and see statistics for the state as a whole, or an individual county.

It’s kind of an eye-opener, and probably will be even more so when the data is made current.

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