The level of home loans 30 days or more in arrears continues to steadily climb, with the number of regions "performing poorly" rising to 22 from seven, according to Moody's Investors Service.In its latest report on home loan delinquencies, Moody's said that 1.67 per cent of home loan customers were one or more monthly payments in arrears as of June 2011, up from 1.36 per cent at October 2010.Consistent with recent trends, Queensland and Western Australia exhibited the biggest declines in mortgage performance.Moody's listed 11 regions as performing "very poorly", with arrears rates of 2.5 per cent or more.These are: Fairfield-Liverpool, Central Coast, Gold Coast, Wide Bay-Burnett, North Western Sydney, Outer South Western Sydney, Hunter Valley, Lower Western Australia, Far West-North Western NSW, Sunshine Coast and the Far North region of Queensland.The report notes that nationwide, and within each region, the level of equity a borrower has in his or her home is a key predictor of ability to maintain mortgage repayments.For example, among the 20 worst performing postcodes, delinquent borrowers have less equity in their homes and bigger loan balances than other borrowers within the same postcode, Moody's said.