Money Matters - Mortgage Delinquency

 With mortgage delinquency rates ranging from around 3% to as high as 24% depending on the city, the personal-finance company WalletHub today released its report on the Cities With the Highest Mortgage Delinquency Rates, to highlight where people are most at risk of credit score damage and foreclosure. WalletHub ranked 100 cities by analyzing proprietary user data from Q1 2025 to Q2 2025.

 

Most Delinquent	Least Delinquent
1. Laredo, TX	91. Plano, TX
2. Detroit, MI	92. Reno, NV
3. Newark, NJ	93. Scottsdale, AZ
4. Baton Rouge, LA	94. San Diego, CA
5. Philadelphia, PA	95. Honolulu, HI
6. Baltimore, MD	96. Seattle, WA
7. New Orleans, LA	97. Madison, WI
8. Greensboro, NC	98. San Jose, CA
9. El Paso, TX	99. Fremont, CA
10. Lubbock, TX	100. San Francisco, CA

 
For the full report and to see where your city ranks, please visit:
https://wallethub.com/edu/cities-mortgage-delinquency-rates/141263

 

“The rate of mortgage delinquency varies significantly from city to city, ranging from around 3% to nearly 24%. The bad news is that while people in some cities are having much more difficulty paying their mortgages than others, the problem as a whole is also getting worse this year. In fact, the mortgage delinquency rate actually increased in all but 13 of the 100 cities in our study between Q1 2025 and Q2 2025.”
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“Laredo, TX, is the city where people are most delinquent on their mortgages, with around 24% of mortgages in delinquent status as of Q2 2025. This is significantly higher than the delinquency rate in other major cities, with no other city in our study surpassing 19%. On top of that, Laredo residents’ delinquency rate is rising; despite already being the highest in the nation, it experienced a nearly 6% increase between Q1 2025 and Q2 2025.”

- Chip Lupo, WalletHub Analyst                            


More From WalletHub

• States Where Mortgage Delinquency Is Decreasing the Most
• States Where Credit Card Delinquency Is Increasing the Most
• States Adding the Most Mortgage Debt
• Cities Where People Are Most Delinquent on Debt
• Average Monthly Mortgage Payment