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2006: A look back - A look ahead  
  Mortgage rates and home prices rose in 2006 while a refi boom is anticipated in 2007.
 Mortgages
 Personal finance calendar  Personal finance calendar 

State-by-state mortgage delinquencies

The delinquency rate on residential mortgages for the nation as a whole dropped slightly in the second quarter of 2006, despite the fact that the rate went up in 48 states and the District of Columbia.

The national average for the second quarter was pegged at 4.39 percent, down from 4.41 percent in the first quarter, but up slightly from 4.34 percent in the second quarter of 2005.

Only in Louisiana and Mississippi did the delinquency rate go down -- and in those states the drop was so dramatic that it brought down the national average. In both of those states the rate is more than double the national rate -- a problem largely associated with the effects of Hurricane Katrina. Alabama, also heavily damaged by Katrina, saw its delinquency rate rise slightly.

Mississippi has the highest rate in the country at 11.36 percent. Hawaii led the country with the lowest rate, 1.62 percent.

Below is a list of the percentage of borrowers in each state who are delinquent on their mortgages, along with break-out lists of the top five and bottom five.

National delinquency survey
States
Percentage of past-due mortgages
Alabama
6.55
Alaska
2.90
Arizona
2.44
Arkansas
4.84
California
2.19
Colorado
3.58
Connecticut
3.31
Delaware
3.61
District of Columbia
2.85
Florida
3.59
Georgia
6.18
Hawaii
1.62
Idaho
2.80
Illinois
4.31
Indiana
6.61
Iowa
3.70
Kansas
4.24
Kentucky
5.20
Louisiana
10.66
Maine
3.75
Maryland
3.26
Massachusetts
3.49
Michigan
6.68
Minnesota
3.08
Mississippi
11.36
Missouri
4.96
Montana
2.36
Nebraska
4.01
Nevada
2.80
New Hampshire
3.46
New Jersey
3.50
New Mexico
3.66
New York
3.86
North Carolina
5.31
North Dakota
2.19
Ohio
6.30
Oklahoma
5.11
Oregon
2.18
Pennsylvania
5.28
Rhode Island
3.68
South Carolina
5.36
South Dakota
2.39
Tennessee
6.20
Texas
6.47
Utah
3.56
Vermont
2.63
Virginia
2.86
Washington
2.41
West Virginia
6.13
Wisconsin
3.40
Wyoming
2.28
Top 5 (lowest percentage of delinquencies)
---
Hawaii
1.62
Oregon
2.18
North Dakota
2.19
California
2.19
Wyoming
2.28
Bottom 5 (highest percentage of delinquencies)
---
Mississippi
11.36
Louisiana
10.66
Michigan
6.68
Indiana
6.61
Alabama
6.55
Source: National Delinquency Survey from the Mortgage Bankers Association

For more information, see "Late house payments aren't widespread -- yet"

-- Updated: Nov. 1, 2006
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