Here's another take on the late mortgage/foreclosure crisis from a company called TransUnion: Nearly 11 percent of Tampa Bay mortgages were 60 or more days late as of September 30.

In the quarter ending June 30, the delinquency rate was 9.99 percent. A year earlier the rate was 6.83 percent. Mortgage defaults in the rest of Florida were worse. As of Sept. 30, 13.34 percent of mortgages were late statewide.

Here's a spread sheet: Download Transunion09

Conclusion? The number of troubled mortgages around Tampa Bay continues to rise. This is also confirmed by raw counts in the Tampa court house and reports from the likes of First American CoreLogic.

Short sales should help keep many of these homes off the foreclosure auction block. But rising unemployment tugs in the other direction.