Answer this one quick: What percent of Floridians would you guess have homes in foreclosure?
Ten percent? Twenty?

It may come as a surprise that between 5 and 6 percent of Florida homeowners are 60 days behind in their payments, according to the credit bureau TransUnion. That was in the first three months of this year. It's a high rate. But I'm betting it's not as high as you might have guessed.

And, another surprise is that TransUnion is predicting that Florida will fall out of first place by year-end.

Nevada may end the year at 7 percent, the credit bureau predicts.

Let's do a Behind on Our Payments Scorecard. On auto loans, 0.65 percent were 60 days behind in the first quarter nationwide. On mortgages 3.23 percent. On credit cards, 1.19 percent were delinquent on one or more cards

TransUnion looks at its 27 million credit records to come up with its stats. That gives you some perspective on the dramatic rise in foreclosures. It is dramatic. It is a rise. But it may not be quite the phenomenon that you think it is.