The foreclosure rate in the United States has experienced significant fluctuations over the past two decades, reaching its peak in 2010 at **** percent following the financial crisis. Since then, the rate has steadily declined, with a notable drop to **** percent in 2021 due to government interventions during the COVID-19 pandemic. In 2024, the rate stood slightly higher at **** 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 *** 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, ** percent of non-homeowners reported that student loan expenses hindered their ability to save for a down payment.

This data includes filings related to mortgage foreclosure in Allegheny County. The foreclosure process enables a lender to take possession of a property due to an owner's failure to make mortgage payments. Mortgage foreclosure differs from tax foreclosure, which is a process enabling local governments to take possession of a property if the owner fails to pay property taxes.

As Pennsylvania is a judicial foreclosure state, a lender files for foreclosure through the court system. Foreclosure data in the court system is maintained by the Allegheny County Department of Court Records. Data included here is from the general docket, and a mortgage foreclosure docket created to help homeowners maintain ownership of their property following an initial filing. Several different types of legal filings may occur on a property involved in the foreclosure process. At this time, only the most recent filing in a case is included in the data found here, but we hope to add all filings for a case in the coming months.

After a property enters the foreclosure process, several potential outcomes are possible. Some of the more common outcomes include: borrowers may come to an agreement with the lender for unpaid debt; borrowers may sell the property to satisfy part or all of the debt; borrowers may voluntarily relinquish ownership to the lender; lenders may decide not to pursue the foreclosure any further; and the property may proceed all the way through a sheriff sale, where it is sold to a new owner.

Before September 2022, the data presented here included only the final filing for the month in which each case (represented by Case ID) is opened; since then the feed has changed so we now have a new last_activity field, which gets updated whenever there is a new filing in the case with the date of the last filing for the month. The last_activity value gives some indication of which cases are still ongoing. (However, the new feed does not include the docket_type field, so these are blank for cases started after August 2022.) To view the detailed mortgage foreclosure filings for each property represented in this dataset, please visit the Department of Court Records Website, and enter the Case ID for a property to pull-up detailed information about each foreclosure case, including parties, docket entries, and services.

CHANGELOG

2022-12-14: Loaded data back to September (which had been missing due to the schema migration). Added a new last_activity field. Data since September 2022 is missing the docket_type value, for now those new values will be set to '' (empty string).

Product Overview

You’re a few short steps away from accessing the largest and most comprehensive Pre-Foreclosure and Foreclosure database in the country. Whether you want to conduct property research, data analysis, purchase distressed properties, or market your services, licensing Pre-Foreclosure and Foreclosure Data provides in-depth intelligence on distressed properties across the country that will inform your next move.

What is Foreclosure?

Foreclosure is the legal process of taking possession of a mortgaged property when the borrower fails to keep up with mortgage payments. The foreclosure process varies from state to state, depending on whether the state has a judicial or nonjudicial process. Judicial process requires court action on a foreclosed property, where a nonjudicial process does not.

Foreclosure and Pre-Foreclosure Data Includes:

• 9 Different types of Judicial vs Non-Judicial
• Auctions
• Public Notices
• Lis Pendens
• Releases
• Defendant and Plaintiff Names
• Recording Dates, Published Dates, and Auction Dates
• Original Mortgage Information

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.

About ***** percent of U.S. homeowners with a mortgage who were behind on mortgage payments in ************ were very likely to face eviction in the next two months due to a foreclosure. Additionally, ** percent of the respondents were somewhat likely to be evicted. In 2022, the foreclosure rate in the U.S. picked up, after a long period of steady decline after the subprime mortgage crisis.

Graph and download economic data for Large Bank Consumer Mortgage Balances: 30 or More Days Past Due: Including Foreclosures Rates: Balances Based (RCMFLBBALDPDPCT30P) from Q3 2012 to Q1 2025 about 30 days +, FR Y-14M, large, balance, mortgage, consumer, banks, depository institutions, rate, and USA.

Our foreclosure data offering provides an extensive suite of real-time real estate data, available through both API integration and bulk data delivery. This rich dataset is designed to meet the needs of a variety of users, from real estate investors to foreclosure prevention services and market analysts. With over 31 data points available, this dataset covers multiple aspects of foreclosure processes, including auction details, loan information, foreclosure status, and trustee data. Below is a detailed description of the data points and their potential use cases.

Data Points Overview for Foreclosure Data:

1. Auction Data (9+ Data Points) Auction Location, Auction Time, Case Number, Bid Parameters

2. Loans/Lender Data (9+ Data Points) Lender Name, Original Loan Details, Unpaid Balances, Pre-Foreclosure Flags, Related Documents

3. Foreclosure Status Data (7+ Data Points) Recording Date, Release Date, Status Indicators and Codes

4. Trustee Data (6+ Data Points) Trustee Name, Trustee Address, Trustee Phone Number, Sale Number

Top Use Cases

1. Surface Investment Opportunities Websites and Applications: Integrate our foreclosure data into real estate platforms to provide users with up-to-date information on potential investment properties. This can enhance search functionality and deliver greater value by identifying promising foreclosure opportunities.

2. Foreclosure Prevention Services Sales and Marketing: Leverage foreclosure data to target homeowners in distress with tailored marketing efforts. By identifying properties in pre-foreclosure status, you can focus your outreach to offer services designed to prevent foreclosure, such as financial counseling or loan modification programs.

3. Market Analysis and Predictive Analytics Data-Driven Insights: Utilize the comprehensive dataset to perform in-depth market analysis and develop predictive models. This can help forecast foreclosure trends, assess market conditions, and make informed decisions based on historical and current foreclosure activity.

Access and Delivery

Our foreclosure data is accessible through two primary methods: - API Integration: Seamlessly integrate the data into your applications or platforms with our robust API, offering real-time access and automated updates. - Bulk Data Delivery: Obtain large datasets for offline analysis or integration into internal systems through bulk delivery options, providing flexibility in how you utilize the information.

This comprehensive data listing is designed to empower users with detailed and actionable foreclosure data, facilitating a range of applications from investment analysis to foreclosure prevention and market forecasting.

Foreclosure types considered for this analysis include lender owned and third-party owned foreclosures as well as foreclosed properties ready for auction. Contra Costa and Solano counties showed the highest foreclosure rates in the San Francisco Bay Region during the first half of 2009 with up to 170 foreclosures per tract.

Abstract

The CoreLogic Pre-Foreclosure data documents over 35 million property transactions representing pre-foreclosure events. These transactions occurred in U.S. states (excluding Vermont), the U.S. Virgin Islands and Washington, D.C. CoreLogic has been collecting pre-foreclosure data since 2000.

Transaction events include Notice of Default, Lis Pendens, Release of Lis Pendens and Final Judgment. Transactions illustrate the pre-foreclosure events leading up to a foreclosure or sale at auction. Transaction data can include property address, default date, default amount, document type (Notice of Default, Lis Pendens, etc.), court filing details, attorney, beneficiary or plaintiff name, borrower name, lender, trustee, final judgment amount and any relevant auction information. Transactions also include a subject transaction, which identifies the original transaction (usually Deed of Trust or another prior activity) to which a transaction applies. Activities recorded and delivered support transactions within both judicial and non-judicial states.

The CoreLogic Smart Data Platform (SDP) Pre-Foreclosure data was formerly known as the CoreLogic Pre-Foreclosure data. The CoreLogic SDP Property data contains almost all of the variables that were included in the CoreLogic Pre-Foreclosure data.

Methodology

Pre-foreclosure data comes from four types of documents:

• Final Judgment of Foreclosure
• Lis Pendens
• Notices of Default
• Release of Lis Pendens

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These documents are sourced from U.S. County Assessor and Recorder offices, and newspapers. The data is collected, cleaned and normalized by CoreLogic. Data is bundled together in a pipe-delimited text file, which has been uploaded to Data Farm (Redivis) for preview, extraction and analysis.

For more information about how the data was prepared for Redivis, please see CoreLogic 2024 GitLab.

Usage

The Property, Mortgage, Owner Transfer, Historical Property and Pre-Foreclosure data can be linked on the CLIP, a unique identification number assigned to each property.

For more information about included variables, please see **core_logic_sdp_preforeclosure_data_dictionary_2024.txt **and Pre-Foreclosure_v2.xlsx.

For a count of records per FIPS code, please see core_logic_sdp_preforeclosure_counts_2024.txt.

For more information about how the CoreLogic Smart Data Platform: Pre-Foreclosure data compares to legacy data, please see core_logic_legacy_content_mapping.pdf.

Bulk Data Access

Data access is required to view this section.

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.

Provides each month the total number of Maryland Notices of Intent to Foreclose (NOI) by zip code as reported to the Office of Financial Regulation (OFR). For more information and definitions, please see 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.

Please note: this data is live (updated nightly) to reflect the latest changes in the City's systems of record.Overview of the Data:The operational purpose of the tax foreclosure parcel data set is to facilitate proactive code inspections efforts. Tax foreclosure parcels are properties that have become tax delinquent by not paying their taxes for over a year. These properties are more likely to be vacant and abandoned and have significant code violations and thus are targeted for proactive enforcement. This list is a subset of tax foreclosure properties that also have an open code violation. The list of properties in tax foreclosure is provided by the City's Treasury Bureau to the Bureau of Buildings and Zoning in January each year. GIS analysts update the code enforcement database to mark properties in tax foreclosure to provide inspectors the information they need to monitor these properties. How does the tax foreclosure process work?Each year, the City of Rochester holds a Tax Foreclosure Auction. The auction typically takes place in November. Unlike surplus auctions (on properties the City owns), these auctions are for properties where their respective owners have not paid several years of taxes. The starting bid is the balance due to the City. Properties can be residential, vacant lots, parking lots, mixed use, and commercial buildings. There are no pre-qualification requirements (unlike the surplus auctions), but you must show up to the auction with a deposit of $1,000 and pay the remaining balance by the following week. The preliminary list of properties is published in a local newspaper for 4 consecutive weeks leading up to the auction. The list is subject to change until the commencement of the auction, as property owners are given the opportunity to pay their taxes right up until the property is auctioned. For More Information Please Visit:https://www.cityofrochester.gov/TaxForeclosureAuctions.aspx

Following the drastic increase directly after the COVID-19 pandemic, the delinquency rate started to gradually decline, falling below *** percent in the second quarter of 2023. In the second half of 2023, the delinquency rate picked up, but remained stable throughout 2024. In the first quarter of 2025, **** percent of mortgage loans were delinquent. That was significantly lower than the **** percent during the onset of the COVID-19 pandemic in 2020 or the peak of *** percent during the subprime mortgage crisis of 2007-2010. What does the mortgage delinquency rate tell us? The mortgage delinquency rate is the share of the total number of mortgaged home loans in the U.S. where payment is overdue by 30 days or more. Many borrowers eventually manage to service their loan, though, as indicated by the markedly lower foreclosure rates. Total home mortgage debt in the U.S. stood at almost ** trillion U.S. dollars in 2024. Not all mortgage loans are made equal ‘Subprime’ loans, being targeted at high-risk borrowers and generally coupled with higher interest rates to compensate for the risk. These loans have far higher delinquency rates than conventional loans. Defaulting on such loans was one of the triggers for the 2007-2010 financial crisis, with subprime delinquency rates reaching almost ** percent around this time. These higher delinquency rates translate into higher foreclosure rates, which peaked at just under ** percent of all subprime mortgages in 2011.

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.

The purpose of the Making Home Affordable © (MHA) Data File is to provide the general public with a comprehensive view of the Obama Administration's MHA programs to more fully understand their impact in a continued commitment to transparency. Because protecting the identities of MHA participants is of primary importance, the Treasury Department conducts a thorough analysis and takes steps to ensure the anonymity of individual borrowers.

The MHA Data File consists of three sets of loan-level mortgage modification data: The First Lien Modification Program, the Second Lien Modification Program, and the Home Affordable Foreclosure Alternatives Program. The First Lien Modification Program also contains one additional subset - the net present value (NPV) file. Each set is subdivided into ten geographic regions that cover the United States and its territories. The data are presented in comma separated value (CSV) format and total roughly 3 gigabytes in size.

The information contained in these files is data reported by servicers. Please consult the MHA Data File User Guide for a description of certain data quality issues and variances which could affect the use or interpretation of the data. Treasury and the MHA Program Administrator continue to work with servicers to monitor data quality and remediate known issues.

These files are cumulative and will be refreshed monthly, providing users with up-to-date MHA data. The Making Home Affordable Data Files include information on:

•Home Affordable Foreclosure Alternatives (HAFA) Program, •Principal Reduction Alternative (PRA), •Second Lien Modification Program (2MP), •Home Affordable Unemployment Program (UP), •FHA-HAMP and •Rural Development HAMP (RD-HAMP). PRA, UP, Treasury FHA-HAMP, and RD-HAMP are included in the First Lien Modification files, with 2MP and HAFA in separate files. The Making Home Affordable Data File User Guide has been updated to reflect these additions.

Graph and download economic data for Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks (DRSFRMACBS) from Q1 1991 to Q1 2025 about domestic offices, delinquencies, 1-unit structures, mortgage, family, residential, commercial, domestic, banks, depository institutions, rate, and USA.

Update Frequency: Quarterly or as needed

Current owners of these sites have not paid their property taxes for one or more years. Based on at least an initial screening of these properties (including a historical land use check and a site visit), the City has decided not to foreclose because of potential environmental contamination. However, the City (using State Statute 75.106) may begin foreclosure, and then assign the foreclosure judgment to a new party that will remediate and redevelop the site. Testing may demonstrate that the site is clean or needs limited environmental clean-up.

DCD maintains a list of these sites. If you find a property of interest on this list, check Map Milwaukee at city.milwaukee.gov for a map of the area around the property and check http://assessments.milwaukee.gov/default.asp to view more information about the property.

To download XML and JSON files, click the CSV option below and click the down arrow next to the Download button in the upper right on its page.

Graph and download economic data for Delinquency Rate on Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, All Commercial Banks (DRCRELEXFACBS) from Q1 1991 to Q1 2025 about farmland, domestic offices, delinquencies, real estate, commercial, domestic, loans, banks, depository institutions, rate, and USA.

Property currently or historically owned and managed by the City of Chicago. Information provided in the database, or on the City’s website generally, should not be used as a substitute for title research, title evidence, title insurance, real estate tax exemption or payment status, environmental or geotechnical due diligence, or as a substitute for legal, accounting, real estate, business, tax or other professional advice. The City assumes no liability for any damages or loss of any kind that might arise from the reliance upon, use of, misuse of, or the inability to use the database or the City’s web site and the materials contained on the website. The City also assumes no liability for improper or incorrect use of materials or information contained on its website. All materials that appear in the database or on the City’s web site are distributed and transmitted "as is," without warranties of any kind, either express or implied as to the accuracy, reliability or completeness of any information, and subject to the terms and conditions stated in this disclaimer.

The following columns were added 4/14/2023:

• Sales Status
• Sale Offering Status
• Sale Offering Reason
• Square Footage - City Estimate
• Land Value (2022) -- Note: The year will change over time.

The following columns were added 3/19/2024:

• Application Use
• Grouped Parcels
• Application Deadline
• Offer Round
• Application URL