For the third consecutive month, more Southwest Florida homeowners failed to pay their mortgages on time.

Analysts say it’s the ongoing effects of Hurricane Irma, which damaged homes and left some homeowners struggling to make their payments.

In Sarasota-Manatee, 6.4 percent of mortgages were at least 30 days overdue in November, up from 6.3 percent in October and from 4.1 percent one year earlier, data provider CoreLogic said Tuesday.

Charlotte County posted a 6.6 percent mortgage delinquency rate, higher than the 6.5 percent the month before and 4.1 percent last year.

Irma, which slammed into Florida on Sept. 10, put thousands of homeowners temporarily out of work, disrupting their paychecks and ability to cover their mortgages. A number of lenders have agreed to work with those borrowers on late payments and not go straight to foreclosure.

Mortgage delinquency and foreclosure rates have dropped sharply in recent years as the area has recovered from the real estate meltdown.

Statewide, the 30-day delinquent rate jumped from 6.3 percent to 9.9 percent in November. Nationally, that rate fell from 5.2 percent to 5.1 percent.

"The effects of Hurricanes Harvey, Irma and Maria appear clearly in our mortgage delinquency report," said Frank Nothaft, chief economist for CoreLogic. "Serious delinquency rates are up sharply in Texas and Florida compared with a year ago, while lower in all other states except Alaska."

With the spike in late payments, Charlotte ranked 97th and Sarasota-Manatee 105th for delinquency rates among the 381 U.S. metro areas studied by CoreLogic. Three months earlier, they ranked 277th and 278th.

On the plus side, the region’s stock of homes in foreclosure continued to decline.

The foreclosure inventory rate was 0.6 percent in November in Sarasota-Manatee, down from 1.0 percent over the year. Charlotte posted a 0.4 percent rate, compared with 0.8 percent last year.

But the region’s serious delinquency rate — loans 90 days or more past due — moved ahead of last year’s levels.

Sarasota-Manatee recorded 2.5 percent, up from 1.7 percent in October and from 2.2 percent a year earlier. Charlotte posted a 2.4 percent serious delinquency rate, compared with 1.7 percent over the month and 2.1 percent last year.

Delinquency rates jumped in areas such as Miami and Houston, where hurricanes rendered many homes no longer habitable, CoreLogic said.