Canadian Mortgage Arrears Stress (Monthly)
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Monthly household financial-stress panel from the Canadian Bankers Association's public mortgage-arrears statistics: arrears rates, MoM/YoY moves, a 36-month stress score and surge/record-high flags for 8 regions plus Canada, back to 1995. Territories arrears are suppressed by CBA (null, not estimated). Join it to your own data on (month, region). Who joins this: a subscription business (Stripe) joins on (month, region) to model stress-driven churn and late payments; a Canada-wide online shop (Shopify) joins on (month, region) to model affordability-driven demand shifts; a sales team (HubSpot) reads it as a regional demand headwind/tailwind. License: CBA industry-association statistics are NOT licensed for commercial use.
- Rows
- 3,411
- Columns
- 18
- Source cadence
- Monthly
- Last refreshed
- Oct 1, 2026
- Theme
- housing
| Column | Type | Description |
|---|---|---|
| month | date | Calendar month (month-end date). (unit: date) |
| region_code | string | CBA region code: ATL/QC/ON/MB/SK/AB/BC/TER/CAN. |
| region_name | string | CBA region name. |
| country_code | string | ISO alpha-3 country code (CAN). |
| provinces_covered | string | Provinces in this CBA region; BC includes Yukon and AB includes NWT/Nunavut per the CBA footnote. |
| total_mortgages | integer | Residential mortgages outstanding (CBA count). (unit: count) |
| arrears_count | integer | Mortgages 3+ months in arrears (CBA count); null for TERRITORIES - CBA suppresses it, not estimated. (unit: count) |
| arrears_rate_pct | float | 100 * arrears_count / total_mortgages, recomputed from the published counts; null for TERRITORIES. (unit: percent) |
| mom_change_pp | float | Month-over-month change in the arrears rate. (unit: percentage points) |
| yoy_change_pp | float | Year-over-year change in the arrears rate. (unit: percentage points) |
| stress_score_36m | float | Empirical percentile (0-100) of the rate within its trailing 36-month window (min 12 obs); 100 = the most stressed month in three years; null for TERRITORIES. (unit: 0-100) |
| stress_band | string | low/guarded/elevated/high at score cutoffs 25/50/75. |
| surge_flag | boolean | True when mom_change_pp >= 0.03. (unit: boolean) |
| record_high_10y_flag | boolean | True when the rate is the max of its trailing 120 months (min 60 obs). (unit: boolean) |
| reporting_break_2006_11 | boolean | True for MB/SK/TER rows at/after 2006-11, when CBA adjusted reporting for those regions. (unit: boolean) |
| month_ended_label | string | CBA release label, e.g. 'Month Ended July 31, 2026'. |
| source_url | string | CBA PDF URL this release was parsed from. |
| row_hash | string | sha256[:16] over month/region_code/total_mortgages/arrears_count; stable across runs. |
First 10 sample rows — a preview, not the complete dataset.
| month | region_code | region_name | country_code | provinces_covered | total_mortgages | arrears_count | arrears_rate_pct | mom_change_pp | yoy_change_pp | stress_score_36m | stress_band | surge_flag | record_high_10y_flag | reporting_break_2006_11 | month_ended_label | source_url | row_hash |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1995-01-31T00:00:00 | AB | Alberta | CAN | AB (includes NWT and NU per CBA footnote) | 229,240 | 1,117 | 0.487 | — | — | — | — | false | false | false | July 31, 2026 | https://cba.ca/Assets/CanadianBankersAssociation/Documents/Articles/Statistics/stat-mortgages-arrears-july-2026-en.pdf | 1fe9cc812f73f9b2 |
| 1995-02-28T00:00:00 | AB | Alberta | CAN | AB (includes NWT and NU per CBA footnote) | 229,661 | 1,121 | 0.488 | 0.001 | — | — | — | false | false | false | July 31, 2026 | https://cba.ca/Assets/CanadianBankersAssociation/Documents/Articles/Statistics/stat-mortgages-arrears-july-2026-en.pdf | b5d4b1f99a1abf2d |
| 1995-03-31T00:00:00 | AB | Alberta | CAN | AB (includes NWT and NU per CBA footnote) | 230,627 | 1,116 | 0.484 | -0.004 | — | — | — | false | false | false | July 31, 2026 | https://cba.ca/Assets/CanadianBankersAssociation/Documents/Articles/Statistics/stat-mortgages-arrears-july-2026-en.pdf | 877c962a21239e33 |
| 1995-04-30T00:00:00 | AB | Alberta | CAN | AB (includes NWT and NU per CBA footnote) | 231,231 | 1,160 | 0.502 | 0.018 | — | — | — | false | false | false | July 31, 2026 | https://cba.ca/Assets/CanadianBankersAssociation/Documents/Articles/Statistics/stat-mortgages-arrears-july-2026-en.pdf | eb2a6abfae359fe0 |
| 1995-05-31T00:00:00 | AB | Alberta | CAN | AB (includes NWT and NU per CBA footnote) | 235,160 | 1,206 | 0.513 | 0.011 | — | — | — | false | false | false | July 31, 2026 | https://cba.ca/Assets/CanadianBankersAssociation/Documents/Articles/Statistics/stat-mortgages-arrears-july-2026-en.pdf | cc8b6a2ad511cd4f |
| 1995-06-30T00:00:00 | AB | Alberta | CAN | AB (includes NWT and NU per CBA footnote) | 236,538 | 1,238 | 0.523 | 0.011 | — | — | — | false | false | false | July 31, 2026 | https://cba.ca/Assets/CanadianBankersAssociation/Documents/Articles/Statistics/stat-mortgages-arrears-july-2026-en.pdf | cb86293be850dd47 |
| 1995-07-31T00:00:00 | AB | Alberta | CAN | AB (includes NWT and NU per CBA footnote) | 237,099 | 1,308 | 0.552 | 0.028 | — | — | — | false | false | false | July 31, 2026 | https://cba.ca/Assets/CanadianBankersAssociation/Documents/Articles/Statistics/stat-mortgages-arrears-july-2026-en.pdf | 83d514a39a452cab |
| 1995-08-31T00:00:00 | AB | Alberta | CAN | AB (includes NWT and NU per CBA footnote) | 238,279 | 1,361 | 0.571 | 0.02 | — | — | — | false | false | false | July 31, 2026 | https://cba.ca/Assets/CanadianBankersAssociation/Documents/Articles/Statistics/stat-mortgages-arrears-july-2026-en.pdf | e77c311a6ef60970 |
| 1995-09-30T00:00:00 | AB | Alberta | CAN | AB (includes NWT and NU per CBA footnote) | 239,255 | 1,385 | 0.579 | 0.008 | — | — | — | false | false | false | July 31, 2026 | https://cba.ca/Assets/CanadianBankersAssociation/Documents/Articles/Statistics/stat-mortgages-arrears-july-2026-en.pdf | f69b3c23b6041aba |
| 1995-10-31T00:00:00 | AB | Alberta | CAN | AB (includes NWT and NU per CBA footnote) | 239,934 | 1,373 | 0.572 | -0.007 | — | — | — | false | false | false | July 31, 2026 | https://cba.ca/Assets/CanadianBankersAssociation/Documents/Articles/Statistics/stat-mortgages-arrears-july-2026-en.pdf | 9509e02eeeb5fef2 |
Profiled Oct 1, 2026 from snapshot 20261001T132504Z-b5f46e84c128
Measured- Completeness
- 95.8%
- Rows
- 3,411
- Columns
- 18
- Columns with gaps
- 6
19952026
| Column | Missing | Distinct | Range | Distribution |
|---|---|---|---|---|
| monthtimestamp | 0% | 409 | Jan 31, 1995 → Jul 31, 2026 | — |
| region_codevarchar | 0% | 10 | — |
|
| region_namevarchar | 0% | 7 | — |
|
| country_codevarchar | 0% | 1 | — |
|
| provinces_coveredvarchar | 0% | 10 | — |
|
| total_mortgagesbigint | 0% | 3,355 | 3,948 → 5,115,951median 424,484 | 70 outside 1st–99th percentile |
| arrears_countbigint | 11.1% | 2,057 | 192 → 18,702median 1,551 | 62 outside 1st–99th percentile |
| arrears_rate_pctdouble | 11.1% | 3,554 | 0.057 → 1.04median 0.3522 | 62 outside 1st–99th percentile |
| mom_change_ppdouble | 11.3% | 3,216 | -0.0915 → 0.1358median -0.0003 | 62 outside 1st–99th percentile |
| yoy_change_ppdouble | 13.9% | 3,262 | -0.2945 → 0.3475median -0.0046 | 60 outside 1st–99th percentile |
| stress_score_36mdouble | 13.7% | 108 | 2.78 → 100median 38.89 | 558 outside 1st–99th percentile |
| stress_bandvarchar | 13.7% | 3 | — |
|
| surge_flagboolean | 0% | 2 | — |
|
| record_high_10y_flagboolean | 0% | 2 | — |
|
| reporting_break_2006_11boolean | 0% | 2 | — |
|
| month_ended_labelvarchar | 0% | 1 | — |
|
| source_urlvarchar | 0% | 1 | — |
|
| row_hashvarchar | 0% | 3,274 | — |
|
- Current
20261001T132504Z-b5f46e84c128 · sha256 b5f46e84c128…
3,411 rows · first snapshot
Point any LLM at the metadata endpoint — the documentation above is machine-readable too (JSON-LD + Croissant).
cURL
curl "https://datazimuts.com/v1/datasets/cba_mortgage_arrears_intel/ca_mortgage_arrears_stress_monthly" | jq '{title, rows, columns_count, license}'Python
import requests
ds = requests.get("https://datazimuts.com/v1/datasets/cba_mortgage_arrears_intel/ca_mortgage_arrears_stress_monthly").json()
print(ds["title"], ds["rows"], "rows")
# Sample rows for an LLM context window
for row in ds.get("sample_rows", [])[:5]:
print(row)API endpoint: https://datazimuts.com/v1/datasets/cba_mortgage_arrears_intel/ca_mortgage_arrears_stress_monthly
Tip: fetch /llms.txt for the full machine-readable catalog.
Where this data comes from and what was made from it. Other people's work shows as counts; only shared projects are named.
Cite this snapshot
Pinned to snapshot 20261001T132504Z-b5f46e84c128 and its content hash, so readers get exactly the data you used.
APA
Canadian Bankers Association. (2026). Canadian Mortgage Arrears Stress (Monthly) [Data set, snapshot 20261001T132504Z-b5f46e84c128, sha256 b5f46e84c128]. Datazimuts. Retrieved 2026-10-02, from https://datazimuts.com/en/datasets/cba_mortgage_arrears_intel/ca_mortgage_arrears_stress_monthly?snapshot=20261001T132504Z-b5f46e84c128
BibTeX
@misc{dz_cba_mortgage_arrears_intel_ca_mortgage_a_b5f46e84,
title = {{Canadian Mortgage Arrears Stress (Monthly)}},
author = {{Canadian Bankers Association}},
year = {2026},
publisher = {Datazimuts},
howpublished = {\url{https://datazimuts.com/en/datasets/cba_mortgage_arrears_intel/ca_mortgage_arrears_stress_monthly?snapshot=20261001T132504Z-b5f46e84c128}},
note = {Snapshot 20261001T132504Z-b5f46e84c128, sha256 b5f46e84c1288f7a76c24d4d029a8fdad6f116c0122edfffed68176f0c71f2bc; accessed 2026-10-02}
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