There are 25% more borrowers paying their mortgage 60 days late than before the financial crisis in 2007, according to the consumer credit company Experian. Researchers took a look at borrower behavior on credit cards and mortgages at a city-by-city level from the second quarter of 2006 to the second quarter of 2011. They found more borrowers are making an effort to bring cards current that hasn't been seen for home loans (see the chart below).

Compared to the delinquent mortgages, Experian found late credit-card payments actually declined 20% since 2007. "In looking at the numbers, we’re seeing that even in the cities at the bottom of the list, consumers are meeting their bankcard payment obligations better than before the recession,” said Michele Raneri, vice president of analytics at Experian. Researchers added only four cities are showing improved mortgage payments: Cleveland, Minneapolis, Denver and Detroit. "While the trend is positive on the bankcard side, the mortgage side is continuing to suffer in most of the markets," according to the report. Write to Jon Prior. Follow him on Twitter @JonAPrior.