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.

In the second quarter of 2024, the share of mortgage loans in the foreclosure process in the U.S. decreased slightly to 0.43 percent. Following the outbreak of the coronavirus crisis, mortgage delinquency rates spiked to the highest levels since the Subprime mortgage crisis (2007-2010). To prevent further impact on homeowners, Congress passed the CARES Act that provides foreclosure protections for borrowers with federally backed mortgage loans. As a result, the foreclosure rate fell to historically low levels.

Graph and download economic data for Large Bank Consumer Mortgage Balances: 60 or More Days Past Due: Including Foreclosures Rates: Balances Based (RCMFLBBALDPDPCT60P) from Q3 2012 to Q3 2024 about 60 days +, FR Y-14M, large, balance, mortgage, consumer, banks, depository institutions, rate, and USA.

In the second quarter of 2024, the share one-to-four family residential mortgage loans entering the foreclosure process in the U.S. was 0.13 percent. Following the coronavirus pandemic outbreak in 2020, mortgage delinquency rates surged, followed by a gradual decline. Between the second quarter of 2020 and the first quarter of 2022, foreclosures remained at record low levels due to The Coronavirus Aid, Relief, and Economic Security Act (CARES Act).

Financial institutions that have filed an exemption affidavit in 2024 pursuant to HB 2009.

The number of properties with foreclosure filings in the United States rose in 2023, but remained below the pre-pandemic level. Foreclosure filings were reported on approximately 357,000 properties, which was about 33,000 more than in 2022. Despite the increase, 2023 saw one of the lowest foreclosure rates on record.

The numbers of foreclosures refer to the year 2024 and are based on data from Swiss cantons.

United States - Delinquency Rate on Loans Secured by Real Estate, Banks Ranked 1st to 100th Largest in Size by Assets was 1.91% in October of 2024, according to the United States Federal Reserve. Historically, United States - Delinquency Rate on Loans Secured by Real Estate, Banks Ranked 1st to 100th Largest in Size by Assets reached a record high of 11.49 in January of 2010 and a record low of 1.31 in October of 2004. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Delinquency Rate on Loans Secured by Real Estate, Banks Ranked 1st to 100th Largest in Size by Assets - last updated from the United States Federal Reserve on March of 2025.

This document contains links to an official list of current-month foreclosure notices in Bexar County, as well at to Bexar County's Interactive Foreclosure Map.PDF LIST OF FORECLOSURE NOTICESINTERACTIVE FORECLOSURE MAP

The share of non-performing mortgage loans in the United States has declined significantly since the subprime mortgage crisis in 2008. After the burst of the housing bubble, the share of loans which were 90 to 180 days past due date climbed to 4.6 percent. The fourth quarter of 2010 witnessed the highest rate of loans in foreclosure, bankruptcy, or deed-in-lieu, amounting to four percent. In the third quarter of 2024, the foreclosure rate stood at 0.1 percent - the lowest figures on record. Meanwhile, the 30 to 60 days delinquency rate rose to 1.8 percent and the 90 to 180 days delinquency rate rose to 0.7 percent, showing an uptick in the late mortgage payments.

Indonesia PT BTN Persero: Non-Productive Asset: Foreclosed Assets data was reported at 77.591 IDR bn in Jan 2025. This stayed constant from the previous number of 77.591 IDR bn for Dec 2024. Indonesia PT BTN Persero: Non-Productive Asset: Foreclosed Assets data is updated monthly, averaging 77.591 IDR bn from May 2015 (Median) to Jan 2025, with 117 observations. The data reached an all-time high of 77,591.000 IDR bn in Aug 2023 and a record low of 77.591 IDR bn in Jan 2025. Indonesia PT BTN Persero: Non-Productive Asset: Foreclosed Assets data remains active status in CEIC and is reported by Indonesia Financial Services Authority. The data is categorized under Indonesia Premium Database’s Banking Sector – Table ID.KBF004: State-Owned Bank: Assets and Liabilities: PT Bank Tabungan Negara Persero.

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

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 Q4 2024 about domestic offices, delinquencies, 1-unit structures, mortgage, family, residential, commercial, domestic, banks, depository institutions, rate, and USA.

Repossessions occur when a borrower fails to repay their loan on time or a tenant is late on their rent, and the lender takes possession of the property. To avoid a spike in repossessions during the coronavirus (COVID-19) crisis, the Financial Conduct Authority (FCA) introduced measures for renters and mortgage borrowers. As a result, the number of repossessions fell to a record low in 2020. In the second quarter of 2024, there were 854 repossessions of mortgaged homes and 6,927 repossessions of rental properties by landlords.

PT Bank Oke Indonesia, Tbk: Foreclosed Assets data was reported at 46.045 IDR bn in Jan 2025. This records a decrease from the previous number of 48.045 IDR bn for Nov 2024. PT Bank Oke Indonesia, Tbk: Foreclosed Assets data is updated monthly, averaging 87.545 IDR bn from Jul 2019 (Median) to Jan 2025, with 66 observations. The data reached an all-time high of 138.846 IDR bn in Sep 2019 and a record low of 46.045 IDR bn in Jan 2025. PT Bank Oke Indonesia, Tbk: Foreclosed Assets data remains active status in CEIC and is reported by Indonesia Financial Services Authority. The data is categorized under Indonesia Premium Database’s Banking Sector – Table ID.KBH012: Non Foreign Exchange Bank: Assets and Liabilities: PT Bank Oke Indonesia, Tbk.

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 Q4 2024 about farmland, domestic offices, delinquencies, real estate, commercial, domestic, loans, banks, depository institutions, rate, and USA.

The are several factors that can accumulate in the repossession of a home, the most common reason for being mortgage arrears. This occurs when borrowers can no longer make the mortgage repayments. Mortgage lenders will repossess the home to sell to recover the money owed. In 2023, between 176 and 424 homes in England were repossessed monthly. In Wales, this figure ranged between 14 and 32. Which regions saw the most repossessions? The North West recorded the highest number of repossessions in 2023. Conversely, the East of England, South West, East Midlands, and Wales had the lowest number of repossessions. London and South East, the regions with the highest average earnings, ranked in the middle. Mortgage arrears on the rise Mortgage arrears in the UK have increased quarter-on-quarter since the third quarter of 2022, showing that homebuyers are increasingly struggling to meet their monthly obligations. Borrowers who missed a mortgage payment were highly likely to also fall behind on other financial commitments, with credit card debt being the most common one.

Thailand TTB: Assets: Properties Foreclosed: Net data was reported at 13,036,022.000 THB th in Jan 2025. This records a decrease from the previous number of 13,104,160.000 THB th for Dec 2024. Thailand TTB: Assets: Properties Foreclosed: Net data is updated monthly, averaging 10,602,079.000 THB th from May 2021 (Median) to Jan 2025, with 45 observations. The data reached an all-time high of 13,372,163.000 THB th in Nov 2024 and a record low of 3,012,013.000 THB th in Jun 2021. Thailand TTB: Assets: Properties Foreclosed: Net data remains active status in CEIC and is reported by Bank of Thailand. The data is categorized under Global Database’s Thailand – Table TH.KB059: Balance Sheet: Thai Bank: TMBThanachart Bank.

The mortgage delinquency rate for Veterans Administration (VA) loans in the United States has decreased since 2020. Under the effects of the coronavirus pandemic, the mortgage delinquency rate for VA loans spiked from 2.81 percent in the first quarter of 2020 to 8.05 percent in the second quarter of the year. In the second quarter of 2024, the delinquency rate amounted to 4.63 percent. Historically, VA mortgages have significantly lower delinquency rate than conventional mortgages.