Thousands of Pennsylvanians are among the growing number of homeowners nationwide stuck with higher mortgage payments as interest rates tick up and housing values fall.

A survey done by the Mortgage Bankers Association shows that while the national delinquency rate for mortgage loans on residential property stood at 5.12 percent in the second quarter, Pennsylvania's delinquency rate was 5.58 percent, up from 5.20 percent a year ago. The delinquency rate measures the number of homeowners who are behind in their payments but have not yet entered the foreclosure process.

The survey, which was for the period ended June 30, is based on about 1.5 million total outstanding mortgage loans in the state, including prime loans, subprime loans, fixed rate, adjustable rate, FHA and VA housing loans.

MBA researchers said they did not know which cities or regions in the state fared better or worse than others because they only looked at statewide data.

Subprime adjustable rate mortgages in Pennsylvania posted the highest rate of delinquency at 15.02 percent . Nationally, subprime ARMs had a delinquency rate of 14.82 percent .

Prime loans, which are given to consumers with the best credit ratings, accounted for the lowest percentage of delinquent loans in Pennsylvania at 3.03 percent, but that percentage was the 11th highest in the country.