High mortgage rates and housing costs, combined with an increasing cost of living, have left many homeowners struggling to keep up with their loan payments. Falling behind on a mortgage is a serious matter, potentially resulting in late fees, credit score harm, and even foreclosure.
To spotlight the cities with the highest rates of mortgage delinquency, as well as those where borrowers are staying current, WalletHub analyzed proprietary user data from Q1 to Q2 of 2025.
Chip Lupo, WalletHub Analyst
Main Findings
Cities with the Most People Delinquent on Mortgages
|
Overall Rank* |
City |
Mortgage Delinquency Rate in Q2 2025 |
Change in Mortgage Delinquency Rate: Q2 2025 vs Q1 2025 |
|---|---|---|---|
| 1 | Laredo, TX | 23.85% | 5.60% |
| 2 | Detroit, MI | 18.72% | 10.97% |
| 3 | Newark, NJ | 16.75% | 9.26% |
| 4 | Baton Rouge, LA | 15.86% | -3.45% |
| 5 | Philadelphia, PA | 15.79% | 2.78% |
| 6 | Baltimore, MD | 15.42% | 5.49% |
| 7 | New Orleans, LA | 15.04% | 1.40% |
| 8 | Greensboro, NC | 14.78% | 2.16% |
| 9 | El Paso, TX | 14.69% | 2.25% |
| 10 | Lubbock, TX | 14.47% | 1.29% |
| 11 | Memphis, TN | 14.32% | 9.92% |
| 12 | Birmingham, AL | 14.10% | 9.79% |
| 13 | San Antonio, TX | 13.86% | 4.83% |
| 14 | Corpus Christi, TX | 13.77% | 6.29% |
| 15 | San Bernardino, CA | 13.57% | 3.20% |
| 16 | Fort Worth, TX | 13.26% | 7.94% |
| 17 | Tulsa, OK | 13.05% | 10.64% |
| 18 | Winston-Salem, NC | 12.87% | 19.35% |
| 19 | Stockton, CA | 12.48% | 9.73% |
| 20 | Toledo, OH | 12.44% | 1.05% |
| 21 | Milwaukee, WI | 12.26% | 0.32% |
| 22 | Norfolk, VA | 12.25% | 5.43% |
| 23 | Indianapolis, IN | 12.20% | 5.48% |
| 24 | Arlington, TX | 12.17% | 6.44% |
| 25 | Garland, TX | 12.17% | 8.72% |
| 26 | Houston, TX | 11.83% | 5.35% |
| 27 | Louisville, KY | 11.76% | 1.55% |
| 28 | Jacksonville, FL | 11.56% | 10.50% |
| 29 | Cleveland, OH | 11.25% | 0.05% |
| 30 | Bakersfield, CA | 11.19% | 8.78% |
| 31 | North Las Vegas, NV | 11.06% | 4.82% |
| 32 | Oklahoma City, OK | 10.47% | -0.75% |
| 33 | Buffalo, NY | 10.34% | 2.23% |
| 34 | Phoenix, AZ | 10.29% | 9.35% |
| 35 | Kansas City, MO | 10.01% | 11.88% |
| 36 | Glendale, AZ | 9.84% | 12.83% |
| 37 | Sacramento, CA | 9.82% | 15.96% |
| 38 | Chesapeake, VA | 9.80% | 2.94% |
| 39 | Richmond, VA | 9.77% | 0.85% |
| 40 | Virginia Beach, VA | 9.63% | 15.69% |
| 41 | Charlotte, NC | 9.53% | 7.56% |
| 42 | Albuquerque, NM | 9.22% | -1.09% |
| 43 | Pittsburgh, PA | 9.09% | 4.59% |
| 44 | Wichita, KS | 8.94% | 0.16% |
| 45 | Orlando, FL | 8.71% | 7.61% |
| 46 | Irvine, CA | 8.68% | 23.02% |
| 47 | Cincinnati, OH | 8.68% | -2.11% |
| 48 | Nashville, TN | 8.67% | 6.71% |
| 49 | St. Louis, MO | 8.66% | -3.77% |
| 50 | Mesa, AZ | 8.63% | 3.34% |
| 51 | Hialeah, FL | 8.57% | 1.99% |
| 52 | Fort Wayne, IN | 8.54% | 14.94% |
| 53 | Tampa, FL | 8.51% | 18.06% |
| 54 | Minneapolis, MN | 8.50% | 7.17% |
| 55 | Omaha, NE | 8.44% | 4.55% |
| 56 | Anchorage, AK | 8.33% | 5.98% |
| 57 | Aurora, CO | 8.27% | 4.85% |
| 58 | Dallas, TX | 8.23% | 6.56% |
| 59 | Tucson, AZ | 8.14% | 5.68% |
| 60 | New York, NY | 8.08% | 2.71% |
| 61 | Chicago, IL | 7.90% | 9.52% |
| 62 | Jersey City, NJ | 7.83% | -8.10% |
| 63 | Raleigh, NC | 7.69% | 9.27% |
| 64 | Columbus, OH | 7.56% | 2.29% |
| 65 | Durham, NC | 7.53% | 7.64% |
| 66 | Las Vegas, NV | 7.52% | 4.77% |
| 67 | Atlanta, GA | 7.47% | 7.56% |
| 68 | Washington, DC | 7.32% | 6.05% |
| 69 | Fresno, CA | 7.30% | 4.96% |
| 70 | Colorado Springs, CO | 7.25% | 12.05% |
| 71 | Irving, TX | 7.04% | -4.22% |
| 72 | Miami, FL | 7.03% | 8.63% |
| 73 | Spokane, WA | 6.75% | 11.03% |
| 74 | Lincoln, NE | 6.73% | -4.93% |
| 75 | Riverside, CA | 6.70% | 7.86% |
| 76 | Chula Vista, CA | 6.60% | 23.60% |
| 77 | Los Angeles, CA | 6.40% | 5.69% |
| 78 | Long Beach, CA | 6.30% | -4.08% |
| 79 | Henderson, NV | 6.05% | 3.46% |
| 80 | Des Moines, IA | 5.96% | 7.04% |
| 81 | Santa Ana, CA | 5.78% | 13.31% |
| 82 | Gilbert, AZ | 5.64% | 5.87% |
| 83 | Austin, TX | 5.63% | 3.77% |
| 84 | Chandler, AZ | 5.40% | -9.51% |
| 85 | Denver, CO | 5.02% | 2.97% |
| 86 | Oakland, CA | 4.99% | 1.48% |
| 87 | Anaheim, CA | 4.87% | 1.33% |
| 88 | Boise, ID | 4.69% | 8.24% |
| 89 | Boston, MA | 4.44% | 4.22% |
| 90 | Portland, OR | 4.29% | 6.47% |
| 91 | Plano, TX | 4.18% | -3.89% |
| 92 | Reno, NV | 4.01% | -1.94% |
| 93 | Scottsdale, AZ | 3.78% | 12.44% |
| 94 | San Diego, CA | 3.78% | 10.07% |
| 95 | Honolulu, HI | 3.39% | 11.44% |
| 96 | Seattle, WA | 3.30% | 11.33% |
| 97 | Madison, WI | 3.22% | 4.50% |
| 98 | San Jose, CA | 3.11% | 6.87% |
| 99 | Fremont, CA | 2.94% | 2.83% |
| 100 | San Francisco, CA | 2.79% | -0.09% |
Note: *No. 1 = Most Delinquent
In-Depth Look at the Top Cities
Laredo, TX
Laredo, TX, is the city where people are most delinquent on their mortgages, with around 24% of mortgages in delinquent status as of Q2 2025. 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. That said, almost all major cities showed increases during the same time period.
In addition to the general struggles of high home prices and high interest rates, Laredo has a decently high amount of residents in financial distress. In addition, Laredo is one of the weakest cities when it comes to residents’ money management skills.
Detroit, MI
Detroit ranks second among the cities where people are most delinquent on their mortgages, with nearly 19% of mortgages delinquent as of Q2 2025. While that’s a very high number, it’s still around 5% below the delinquency rate in the top city, Laredo, TX.
In general, Detroit has a serious delinquency problem even outside of mortgages. The Motor City ranks third among the cities where people are the most delinquent on all types of debt combined. Also, as was the case in most major cities, Detroit’s mortgage delinquency rate increased between Q1 2025 and Q2 2025, rising by 11%.
Newark, NJ
Newark, NJ, is the city with the third-highest mortgage delinquency rate, with residents delinquent on close to 17% of their mortgages, just slightly behind Detroit.
One contributing factor to Newark’s high delinquency rate is that it ranks fourth among the cities where people are most delinquent on debt in general.
In addition, Newark also had an increase in the delinquency rate between Q1 2025 and Q2 2025, with a surge of over 9%.
Methodology
To determine the cities where most people are delinquent on mortgage loans, we analyzed WalletHub’s proprietary user data on consumer mortgage delinquency rates between Q1 2025 and Q2 2025.
Sources: Data used to create this ranking were collected from the WalletHub database.
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