Defaults on subprime mortgages contributions in the U.S. reported a fall in March, which was their first decline for the past four years, according to Fitch Ratings. On the other hand, the volume of bad mortgages to borrowers with good credit history continue to rise, for certain types of loans exceeded 10 percent share. Shares of arrears for different types of loans remained high in March, with the increase in unemployment in the U.S., which rose almost 10 percent, while the government continued its efforts to reduce bad loans, resulting in multiple debtors continued to default their contributions instead of being bankrupt, Reuters. Fannie Mae and Freddie Mac direct their efforts to buy loans worth 200 billion dollars that are at least 120 days late. The total volume of securities backed by risky residential mortgages outstanding has risen almost threefold between the second quarter of 2007 and the end of 2009 since the beginning of 2010 so far share of these mortgages has risen almost 90 basis points said of Fitch. The share of these loans with arrears over 60 days rose to 10.1 percent in March from 9.9 percent in February and 4.8 percent a year ago. Bad loans first started to grow in high-risk mortgages granted under very liberal terms to borrowers with questionable credit histories. With rising unemployment, however, borrowers with a good story also were in a situation in which they were not able to service their loans, and the proportion of bad loans at record levels in 2009, says the publication. The share of overdue loans high in March, however, dropped to 46.3 percent from 46.9 percent in February. However, he remained at much higher levels compared with 39.8 percent recorded for the same period last year. This proportion reported a huge increase over the 44 consecutive months, starting from 6.2% in June 2006 \"The improvement in high-risk loans outstanding may not be anything more than a seasonal anomaly in tax refunds, which are used to help borrowers to catch up on late mortgage payments,\" said Fitch managing director Vincent Barberini. However, the rate of deterioration is significantly decreased to its lowest level in years, he added. The five states with the largest share of arrears in mortgages in March were California, New York, Florida, Virginia and New Jersey.