Survey Uncovers Troubling Mortgage Delinquency Rates

With mortgage delinquency rates ranging from around 3% to as high as 24% depending on the city, the personal-finance company WalletHub 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.

The mortgage delinquency rate increased in all but 13 of the 100 cities in the study.

"Laredo, Texas, is the city where people are most delinquent on their mortgages with around 24% of mortgages in delinquent status as of Q2 2025," said Chip Lupo, WalletHub analyst. "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."

WalletHub ranked 100 cities by analyzing proprietary user data from Q1 to Q2.

Most delinquent

1. Laredo, Texas

2. Detroit, Michigan

3. Newark, New Jersey

4. Baton Rouge, Louisiana

5. Philadelphia, Philadelphia

6. Baltimore, Maryland

7. New Orleans, Louisiana

8. Greensboro, North Carolina

9. El Paso, Texas

10. Lubbock, Texas

Least delinquent

91. Plano, Texas

92. Reno, Nevada

93. Scottsdale, Arizona

94. San Diego, California

95. Honolulu, Hawaii

96. Seattle, Washington

97. Madison, Wisconsin

98. San Jose, California

99. Fremont, California

100. San Francisco, California