Tennessee among states with fastest-growing mortgage delinquency in homeowners

NASHVILLE, Tenn. (WSMV) – A new report has found which states in the U.S. mortgage delinquency is increasing the most among homeowners in 2026.

WalletHub released its mortgage delinquency report in late May to find which states are seeing the biggest increase.

“Being delinquent on a mortgage is very bad for your credit score, and late payments remain on your credit report for seven years. Payments are only reported to the credit bureaus as delinquent once they are 30 days past due, though, so getting back on track as quickly as possible after a missed payment is ideal,” the report explained.

Tennessee was ranked among the top 20 states where mortgage delinquency is increasing the most.

The share of the average number of mortgage loans delinquent in quarter one of 2026 was 9.21% and the change in the average number of mortgage loans delinquent (Q1 2026 vs. Q4 2025) was 2.08%.

Overall, Vermont had the most increase in mortgage delinquency, with Wyoming seeing its rate increase the least.

In order to find the states with the most trouble making mortgage payments, WalletHub analyzed user data from Q4 2025 to Q1 2026.

“To determine the states most delinquent on mortgage loans, we analyzed WalletHub’s proprietary user data on consumer mortgage delinquency rates between Q4 2025 and Q1 2026,” the report stated.