Moody's Investors Service said delinquencies for residential mortgages decreased in New South Wales from May 2014 to May 2015, but increased for most other Australian states and territories over the same period, despite interest rate cuts.Moody's analysis is contained in the latest edition of its semi-annual "Residential Mortgage Delinquency Map" authored by Alena Chen, Moody's assistant vice president.The performance in NSW kept the proportion of Australian residential mortgages more than 30 days in arrears at 1.34 per cent in May 2015, a marginal decline of four basis points from the previous year.But if NSW was excluded, the weighted average 30-plus delinquency rate for the rest of the country would increase to 1.5 per cent in May 2015, up 0.08 percentage points from May 2014.The three regions recording the biggest increases in delinquencies are all exposed to the mining industry. They are: Fitzroy (located in Queensland close to the Bowen Basin coal mining region); Darling Downs-Maranoa, in southern Queensland; and Mandurah, in Western Australia.