Only 3.88% of U.S. Mortgage Loans were delinquent at the end of December 2018 according to an article appearing in the Jacksonville Daily Record. This is the lowest rate since 2000. Delinquent loans are those that are more than 30 days past due, but not yet in foreclosure. Florida’s levels of delinquencies is a little higher at 4.94% but this is lower than the previous six months