More Minnesota homeowners struggled to make mortgage payments in February, according to new data from First American CoreLogic. In the Twin Cities metro area, 2% of outstanding mortgage loans were in foreclosure in February, an increase from a 1.4% foreclosure rate in February 2009. The number of people 90 or more days behind on their mortgage payment also increased. This February, 6.3% of mortgage loans were delinquent compared with 4.6% for the same period last year. Scott Anderson, senior economist for Wells Fargo, isn't surprised. "The main variable that drives delinquencies is the unemployment rate, and it's still near 30-year highs," he said.