---
title: "Survey Uncovers Troubling Mortgage Delinquency Rates"
url: https://burnaze.com/article/e17c8442-c8e8-4560-a19e-654dea807875
source: "Franchising.com"
original_url: https://www.franchising.com/articles/20251201_survey_uncovers_troubling_mortgage_delinquency_rates.html
author: "M. Scott Morris"
category: "Finance"
topics: ["Finance & M&A"]
published: 2025-12-01T08:00:00.000Z
modified: 2026-10-31T20:08:53.888Z
image: https://imgs.franchising.com/art/articles/10021_plate.jpg
---

# Survey Uncovers Troubling Mortgage Delinquency Rates

**TL;DR:** WalletHub's report reveals mortgage delinquency rates ranging from 3% to 24% across 100 cities, with Laredo, Texas having the highest rate at 24% as of Q2 2025. The delinquency rate in Laredo increased by nearly 6% between Q1 and Q2 2025.

*By M. Scott Morris, originally published in Franchising.com on 2025-12-01. [Read the original](https://www.franchising.com/articles/20251201_survey_uncovers_troubling_mortgage_delinquency_rates.html).*

## Story

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.

## Entities

- Franchising.com (publication)
- Finance (sector)
- M. Scott Morris (person)
- WalletHub (company)
- Chip Lupo (person)
- credit score (topic)
- Laredo, Texas (location)
- foreclosure (topic)
- mortgage delinquency (topic)

---
Originally reported by M. Scott Morris, Franchising.com (https://www.franchising.com/articles/20251201_survey_uncovers_troubling_mortgage_delinquency_rates.html). Summarized by Burnaze (https://burnaze.com/article/e17c8442-c8e8-4560-a19e-654dea807875).