Foreclosure filings were reported on 367,460 U.S. properties in 2025, up 14% from 2024 and up 3% from 2023. Foreclosure filings in 2025 were also down 87% from a peak of nearly 2.9 million in 2010.
Это согласно АТТОМ‘s Year-End 2025 U.S. Foreclosure Market Report, released Thursday, which is based on publicly recorded and published foreclosure filings collected in more than 3,000 counties nationwide.
The report includes data for December 2025, when there were 44,990 U.S. properties with foreclosure filings, up 26% from November and up 57% on an annual basis.
ATTOM reported that the 367,460 properties with filings last year represented 0.26% of all U.S. housing units, which is up slightly from 0.23% in 2024. But that number is down from 0.36% in 2019 and down from a peak of 2.23% in 2010.
“Foreclosure activity increased in 2025, reflecting a continued normalization of the housing market following several years of historically low levels,” said Роб Барбер, CEO at ATTOM. “While filings, starts, and repossessions all rose compared to 2024, foreclosure activity remains well below pre-pandemic norms and a fraction of what we saw during the last housing crisis.
“The data suggests that today’s uptick is being driven more by market recalibration than widespread homeowner distress, with strong equity positions and more disciplined lending continuing to limit risk.”
But experts caution that Федеральное жилищное управление (FHA) borrowers could face additional challenges under the agency’s new loss-mitigation rules, especially as foreclosures remain elevated.
“The new FHA waterfall could prove challenging for borrowers and servicers alike,” said Donna Schmidt, president and CEO of DLS Servicing. “Over the past five years, the spread between the delinquency rate on FHA-insured loans and all mortgages has grown significantly. Meanwhile, partial claims have become unsustainable, with the share of borrowers who have had a previous partial claim rising from 5% in 2020 to 50% in 2025.”
Schmidt added that diminished home equity and reliance on помощь в первоначальном взносе from state housing finance agencies leave many FHA borrowers particularly vulnerable.
“Under these conditions, the new FHA waterfall may leave a larger share of distressed borrowers unable to qualify for additional loss mitigation or partial claims. With less equity to work with, foreclosures are likely to increase,” she said.
Данные о конфискации имущества
Lenders started the foreclosure process on 289,441 U.S. properties in 2025, which is up 14% from 2024, but down 86% from a peak of more than 2.1 million in 2009, in the middle of the financial crisis.
States that saw the greatest number of foreclosure starts in 2025 included Texas (37,215 foreclosure starts), Флорида (34,336) and California (29,777).
Metropolitan areas with populations of at least 1 million that saw the greatest number of foreclosure starts in 2025 included New York (14,189), Чикаго (13,312) and Houston (13,009).
Bank repossessions, however, increased year over year as lenders repossessed 46,439 properties through real estate-owned (REO) foreclosures in 2025. That’s up 27% from 2024 but down 96% from a peak of 1.05 million in 2010.
The top three states with the greatest number of REOs in 2025 were Texas (5,147), California (4,030) and Пенсильвания (2,975). And the top three cities for most REOs were Chicago (2,033), New York City (1,462) and Houston (1,381).
Florida, Delaware and South Carolina posted the highest foreclosure rates in 2025, with Florida having one in every 230 housing units receiving a foreclosure filing. Lakeland, Florida, recorded the worst metro-level foreclosure rate in 2025, with one filing for every 145 housing units.
The average time to complete a foreclosure continued to fall. Properties foreclosed in the fourth quarter of 2025 spent an average of 592 days in the process, down 3% from the prior quarter and 22% from a year earlier. Louisiana had the longest average foreclosure timeline at more than 3,400 days.
Foreclosure activity accelerated late in 2025, with a total of 111,692 U.S. properties having foreclosure filings in the fourth quarter, up 10% from the previous quarter and 32% from a year earlier.
In December alone, one in every 3,163 properties had a foreclosure filing. Нью-Джерси recorded the highest state-level rate for the month, with one in every 1,734 housing units having a filing. Foreclosure starts rose 19% from November and 46% from a year earlier, while completed foreclosures more than doubled from December 2024.
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