Mortgage delinquencies have fallen to pre-recession levels, the Mortgage Bankers Association reported Thursday.
Analyst Marina Walsh attributed the better homeowner health to improvements in the job market and housing prices.
She noted the current number of homeowners with at least one payment past due is at 4.8 percent, below the 5.4 percent historical average from 1979 to 2015.
Bucking the trend, foreclosures have risen in five states with workforces sacked by declining oil prices: Oklahoma, North Dakota, Louisiana, Colorado and Texas.
Foreclosures were up in seven other states as well.