More than 36,000 families in Utah are behind on their mortgages and another 13,000 are in the foreclosure process, but the state’s share of problem loans remains well below the national average, a new report shows.

About 3 percent of 434,983 mortgages were in the foreclosure process in the state at the end of the third quarter, a rate that’s been increasing but that remains well below the national foreclosure rate of nearly 4.5 percent, the Mortgage Bankers Association reported Thursday.

Full story is available on The Salt Lake Tribune