Top States Where Home Loans Remain Most Affordable

Mortgage delinquency, or late mortgage payments, is rising in several U.S. states, risking homeowners' finances and credit scores. Vermont saw the largest increase in delinquency rates, growing over 12% from Q4 2025 to Q1 2026, though its overall rate remains low at 6%. Other states with notable increases include Delaware, Louisiana, Florida, and Texas. Conversely, states like Wyoming, Hawaii, and Utah experienced the smallest increases, suggesting improving mortgage affordability.