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.