Andrew Burton/Getty There are just three states in the US where mortgage delinquency rates have increased from a year ago. They are all in the oil patch. North Dakota, Wyoming, and West Virginia — states heavily dependent on oil, gas, and coal mining — have all seen an increase in mortgage delinquencies in the past year, according to data from TransUnion. "While the mortgage sector performs well, we continue to pay special attention to states impacted by the energy crisis," said Joe Mellman, the vice president who leads TransUnion's mortgage line of business.