2015 Foreclosure Properties registered with the LAHD from January 1, 2015 through December 31, 2015.

2020 Foreclosure Properties registered with the LAHD from January 1, 2020 through December 31, 2020.

2021 Foreclosure Properties registered with the LAHD from January 1, 2021 through December 31, 2021.

description: Data provides current information regarding single family homes and ranches for sale by the U.S. Federal Government. These previously owned properties are for sale by public auction or other method depending on the property.; abstract: Data provides current information regarding single family homes and ranches for sale by the U.S. Federal Government. These previously owned properties are for sale by public auction or other method depending on the property.

2017 Foreclosure Properties registered with the LAHD from January 1, 2017 through December 31, 2017.

The percentage of properties where the lending company or loan servicer has filed a foreclosure proceeding with the Baltimore City Circuit Court out of all residential properties within an area. This is not a measure of actual foreclosures since not every property that receives a filing results in a property dispossession. Source: Baltimore City Circuit Court Years Available: 2010, 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020

The foreclosure rate in the United States has experienced significant fluctuations over the past two decades, reaching its peak in 2010 at 2.23 percent following the financial crisis. Since then, the rate has steadily declined, with a notable drop to 0.11 percent in 2021 due to government interventions during the COVID-19 pandemic. In 2024, the rate stood slightly higher at 0.23 percent but remained well below historical averages, indicating a relatively stable housing market. Impact of economic conditions on foreclosures The foreclosure rate is closely tied to broader economic trends and housing market conditions. During the aftermath of the 2008 financial crisis, the share of non-performing mortgage loans climbed significantly, with loans 90 to 180 days past due reaching 4.6 percent. Since then, the share of seriously delinquent loans has dropped notably, demonstrating a substantial improvement in mortgage performance. Among other things, the improved mortgage performance has to do with changes in the mortgage approval process. Homebuyers are subject to much stricter lending standards, such as higher credit score requirements. These changes ensure that borrowers can meet their payment obligations and are at a lower risk of defaulting and losing their home. Challenges for potential homebuyers Despite the low foreclosure rates, potential homebuyers face significant challenges in the current market. Homebuyer sentiment worsened substantially in 2021 and remained low across all age groups through 2024, with the 45 to 64 age group expressing the most negative outlook. Factors contributing to this sentiment include high housing costs and various financial obligations. For instance, in 2023, 52 percent of non-homeowners reported that student loan expenses hindered their ability to save for a down payment.

2022 Foreclosure Properties registered with the LAHD from January 1, 2022 through December 31, 2022.

Foreclosed rental properties registered with the Chicago Department of Housing under the Keep Chicago Renting ordinance. Prior to 12/12/2022, Owner and Owner Management Agent addresses could not be registered through the registration site so no City, State, or ZIP columns were present in this dataset. Because all previously existing records had Chicago addresses for Owner and Owner Agent, the City and State columns were populated when added to this dataset but ZIP values are only available from 12/12/2022 forward. The Property Address is always in Chicago.

Provides monthly totals of Notices of Intent (NOI), Notices of Foreclosure (NOF), and Foreclosure Property Registrations (FPR) for Maryland Counties as reported to the Office of Financial Regulation (OFR).

For additional information and definitions, please see the OFR's Foreclosure Data Tracker: https://www.labor.maryland.gov/finance/consumers/frforeclosuredatatracker.shtml.

NOTE: The data provided is for informational and research purposes only and is not intended to guide policy or provide specific outreach targets. The data provided is compiled from third-party filings with the Office of Financial Regulation (OFR) pursuant to applicable law. These third-party filings may contain duplicates and other errors and the OFR cannot guarantee the accuracy and quality of the submissions upon which the data is based. The data does not constitute foreclosure case records and may differ from the official foreclosure records contained in the court records of the State of Maryland. OFR makes no express or implied warranties or representations concerning the data contained in this report.

Analysis of ‘2020 Registered Foreclosure Properties’ provided by Analyst-2 (analyst-2.ai), based on source dataset retrieved from https://catalog.data.gov/dataset/548b5fad-cb01-4deb-a0fa-d36dacd0b681 on 30 September 2021.

--- Dataset description provided by original source is as follows ---

2020 Foreclosure Properties registered with the HCIDLA from January 1, 2020 through December 31, 2020.

--- Original source retains full ownership of the source dataset ---

This service provides data on Federal Housing Administration (FHA) single family, Real Estate Owned (REO) properties that are up for sale. The U.S. Department of Housing and Urban Development's Real Estate Owned (REO) properties are the result of the Federal Housing Administration (FHA) paying a claim to a lending institution on a foreclosed property which was financed with an FHA Insured Mortgage, and the lender has transferred ownership of the property of to HUD. Typically, title to the property is not transferred (or the claim paid) until the previous owner is evicted from the property. Normally, after the home is transferred to HUD, the property will go up for auction on the HUD Home store website.

Analysis of ‘2019 Registered Foreclosure Properties’ provided by Analyst-2 (analyst-2.ai), based on source dataset retrieved from https://catalog.data.gov/dataset/aa7ab625-20f0-4e99-b00f-05bbf735693d on 26 January 2022.

--- Dataset description provided by original source is as follows ---

2019 Foreclosure Properties registered with the LAHD from January 1, 2019 through December 31, 2019

--- Original source retains full ownership of the source dataset ---

The portion of the homes and condominiums sold that were identified as being owned by the bank (REO) out of all residential properties sold in a calendar year. Source: RBIntel Years Available: 2010, 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023

Monthly foreclosures in Connecticut by county, 2008 through the present. Data updated monthly by the Connecticut Housing Finance Authority and tracked in the following dashboard: https://www.chfa.org/about-us/ct-monthly-housing-market-dashboard/. CHFA has stopped maintaining the dashboard and associated datasets, and this dataset will no longer be updated as of 2022.

The 2014 Foreclosure Properties registered at HCIDLA between 1/1/2014 and 12/31/2014.

2019 Foreclosure Properties registered with the LAHD from January 1, 2019 through December 31, 2019

All Metro initiated foreclosures filed from 9/25/2012 to the present.

Analysis of ‘2015 Registered Foreclosure Properties’ provided by Analyst-2 (analyst-2.ai), based on source dataset retrieved from https://catalog.data.gov/dataset/29f1a03f-8432-436e-9dc5-5f5913548886 on 28 January 2022.

--- Dataset description provided by original source is as follows ---

2015 Foreclosure Properties registered with the LAHD from January 1, 2015 through December 31, 2015.

--- Original source retains full ownership of the source dataset ---

Parcels currently in foreclosure status with King County.

https://kingcounty.gov/depts/finance-business-operations/treasury/foreclosure/current-foreclosure-action/foreclosure-properties.aspx