Underwater Mortgage Statistics
Statistic Verification
Source: National Association of Realtors, Federal Reserve Bank
Research Date: January 3rd, 2015

A large number of Americans are underwater on their home loan, meaning, they owe more money on their loan than their home is worth. Included are the top states by percent of home loans underwater.

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Underwater Housing Mortgage StatisticsData
Percent of mortgages on which borrowers owe more than their home is worth21 %
Number of borrowers who owe more than their home is worth10.200,000
Number of unsold homes in the U.S.2,500,000
States With the Highest Percentage of Mortgages Underwater 
Nevada57 %
Arizona46 %
Florida43 %
Michigan34 %
Georgia29 %
California28 %
Government Mortgage Settlement Breakdown 
Total Settlement$25 Billion
Amount delegated to reduce borrowers’ principal$17 Billion
Amount delegated to help underwater borrowers refinance at lower rates$3 Billion
Amount delegated to help state governments prevent foreclosures$2.75 Billion
Amount delegated to help the federal government prevent foreclosures$750 Million
Amount distributed to the states$4.25 Billion
Amount distributed to victims of foreclosure abuses$1.5 Billion

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