WalletHub report says Vermont had the fastest mortgage delinquency growth from Q4 2025 to Q1 2026
The Facts
A WalletHub report cited by The Hill says Vermont recorded the largest quarter-over-quarter increase in mortgage delinquency, rising 12.32% from Q4 2025 to Q1 2026 Hill. The report was based on WalletHub user data tracking the average number of delinquent mortgage loans during that period Hill. The article also says delinquent mortgage debt can be reported to credit bureaus after it is 30 days past due, which can affect borrowers' credit scores, underscoring why changes in delinquency rates matter for homeowners Hill.
Context
What did the report find?
The report said Vermont had the fastest-growing mortgage delinquency rate in the country, with a 12.32% increase from Q4 2025 to Q1 2026 Hill.
What data did WalletHub use?
According to the article, WalletHub used its own user data to measure the average number of delinquent mortgage loans between Q4 2025 and Q1 2026 Hill.
Why does mortgage delinquency matter to borrowers?
The article quotes WalletHub analyst Chip Lupo saying that once mortgage debt is 30 days past due, the lender will report the delinquency to credit bureaus, which can damage a borrower's credit score Hill.
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