Massachusetts mortgage delinquencies rose slightly at the end of last year, with 8.19 percent of homeowners behind on their mortgage, a 0.06 percent increase from the previous quarter, according to a survey from the Mortgage Bankers Association (MBA).

Foreclosure also rose, with the number of loans in the foreclosure process at the end of the quarter up 0.08 percent to 2.95 percent compared to the third quarter. The number of foreclosures starts increased as well, moving up 0.11 percent to 0.69 percent of all loans.

The number put Massachusetts in the middle of the pack nationwide, for delinquencies, with the Bay State ranked 23th in delinquencies. The Bay State’s foreclosure rate, however, was much lower than other states, with the state ranking 39th in foreclosures starts. Mississippi ranked first in delinquencies with a rate of 13.13 percent and Florida ranked first in foreclosure starts with a rate of 1.68 percent.

According to the MBA, states like Connecticut with judicial foreclosure systems are seeing a buildup of loans in the foreclosure process, while most states like Massachusetts with a non-judicial process are seeing declines. This is despite a relatively even distribution of increases in new foreclosures started across all states, judicial or non-judicial.

The MBA does not seasonally adjust the delinquency rates. Mortgage delinquency rates normally increase from the third to the fourth quarter of the year due to a variety of seasonal factors, for example, holiday spending and heating bills.