Analyzing Mortgage Delinquency Trends Across U.S. States: Vermont Leads in Growth, Wyoming Shows Improvement
A recent report by NerdWallet has identified Vermont as the state with the fastest-growing mortgage delinquency rate. The report analyzed data from Q4 2025 to Q1 2026 and found that Vermont experienced a 12.32% increase in mortgage delinquency during this period. Delinquent mortgage loans can have a negative impact on credit scores, so it is crucial to address any delinquencies promptly to avoid further financial repercussions.
Following Vermont, Delaware, Louisiana, Florida, and Montana were among the top five states with increasing mortgage delinquency rates. On the other hand, Wyoming saw a significant decrease of 14.41% in mortgage delinquency, making it the state with the lowest rate of delinquency in the U.S. Nebraska, Mississippi, Maine, and Missouri also experienced decreases in mortgage delinquency during the same period.
In Q1 2026, Mississippi had the highest share of average delinquent mortgage loans at 15.05%, followed by Louisiana, Arkansas, Alabama, and West Virginia. It is essential for individuals facing financial difficulties to communicate with their lenders and explore options such as temporary forbearance to prevent being reported as delinquent. Taking proactive steps to address mortgage delinquency can help individuals protect their credit scores and financial well-being in the long run.