Families are feeling it and the statistics confirm it: WA has some of the worst mortgage stress in the country.

Commonwealth Bank home lending figures released last week as part of its 2018-19 earnings revealed despite home loan arrears rates improving across the country, pockets of stress lingered in Perth.

WA is one of the worst states for households falling behind on their home loans.

It was worst in the country for negative equity, where the amount owed on a mortgage is greater than the home’s market value, thanks largely to a six per cent decrease in house prices over the past 10 years.

Commonwealth Bank said 72 per cent of its customers in negative equity were from WA or Queensland, WAtoday understands more than half of those were from WA.