The nation has had a large number of delinquent mortgages coming into the fourth quarter.  The news seems to be great at generalizing the stats for all but you should really listen more to the what is happening in each market.  Colorado has definitely had an increase in delinquent mortgages accounting for a total of 5.61percent of all Colorado Mortgages in the fourth quarter.  According to the Mortgage Bankers Association Colorado’s delinquency rate ranked 42nd nationwide in the fourth quarter, with first being the highest rate and 50th the lowest.  Things are bad, but they could be much worse.