Nationwide, commercial bankers and mortgage bankers both enjoyed declines in mortgage delinquency rates during the first quarter compared with a year earlier, but in some states the two groups' experiences appeared to differ sharply.

Drawing on call reports, Veribanc Inc. said last week that five states recorded increases in delinquency rates in the first quarter, nearly all of them located in the West.

In contrast, the Mortgage Bankers Association reported in May that its National Delinquency Survey showed only three states with increases. Unlike Veribanc's results, the MRA figures are based on a survey of about 340 mortgage banks, commercial banks, thrifts and life insurance companies.

Here are the jurisdictions with increases in delinquency rates from a year ago, according to Veribanc (with MBA numbers for comparison) ... VERIBANC MBAHawaii 1.63% 0.91% +72bp 2.10% 1.84% +26bpRhode Island 2.13 1.60 +53 3.56 4.00 -44California 1.71 1.39 +32 3.60 3.56 +4Nevada 1.19 1.03 +16 4.24 4.51 -27Washington 0.45 0.44 +1 2.25 2.53 -28 ... and here are the states with the biggest declines.Louisiana 1.69% 2.70% -101 4.91 5.33 -42Connecticut 0.77 1.40 -86 3.30 4.15 -75Alaska 0.58 1.25 -67 3.23 3.97 -74Massachusetts 1.63 2.30 -67 3.60 4.03 -43New Hampshire 2.27 3.10 -83 3.64 4.31 -65Puerto Rico 3.45 4.23 -78 9.37 9.44 -7Texas 0.90 1.57 -67 4.69 5.59 -90South Carolina 1.02 1.64 -62 5.29 5.75 -46Total U.S. 1.42 1.72 -30 3.99 4.37 -38Source: Veribanc Inc., MBA

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