Market Snapshot
ATTOM reported 227,548 U.S. properties with a foreclosure filing in the first half of 2026, a 21% increase from the first half of 2025. The same report characterized the movement as a continuing normalization in foreclosure activity; volumes remain below historic peaks. [1]
Primary-Source Monthly Tracking
The table below includes only monthly figures verified in the cited source pages. “Filing” means a property with a default notice, scheduled auction, or bank repossession as defined by ATTOM. [1]
| Period | Total filings | New starts | Completed foreclosures (REOs) | Primary source |
|---|---|---|---|---|
| October 2025 | 36,766 | 25,129 | 3,872 | ATTOM October report |
| December 2025 | 44,990 | 28,269 | 5,953 | ATTOM year-end report |
| January 2026 | 40,534 | 26,369 | 4,714 | ATTOM January report |
| February 2026 | 38,840 | 25,928 | 4,077 | ATTOM February report |
| March 2026 | 45,921 | 30,334 | 5,229 | ATTOM Q1/March report |
| April 2026 | 42,430 | 28,414 | 5,098 | HousingWire summary of ATTOM report |
| May 2026 | 40,355 | 27,304 | 4,092 | ATTOM May report |
| June 2026 | 39,327 | 26,217 | 4,773 | ATTOM June state-rate update |
Period-Level Context
| Period | Filings | Starts | REOs | Context |
|---|---|---|---|---|
| Full year 2025 | 367,460 | 289,441 | 46,439 | Filings were up 14% from 2024 and remained 25% below 2019. [2] |
| Q1 2026 | 118,727 | 82,631 | 14,020 | Filings were up 26% year over year; REOs were up 45%. [3] |
| H1 2026 | 227,548 | 164,566 | 27,983 | Filings were up 21% year over year; average completion time was 563 days in Q2. [1] |
Institutional Read-Through
01 · NORMALIZATION, NOT A CLAIM OF CRISIS
Annual activity rose while remaining below historic peaks.
ATTOM explicitly characterizes the 2025–2026 increase as a gradual normalization. This framing should be retained in any institutional communication using these data. [1] [2]
02 · STARTS AND REOS REQUIRE SEPARATE MONITORING
Pipeline entry and completion did not move identically.
In June, starts declined month over month while REOs increased from May; institutions should avoid relying on a single measure of stress. [4]
03 · TIME-TO-COMPLETION SHORTENED
Q2 completion timelines reached a post-2013 low.
ATTOM reported an average 563-day foreclosure timeline in Q2 2026, 13% below the prior year. Portfolio response capacity should be assessed against this operating cadence. [1]
04 · STATE VARIATION REMAINS MATERIAL
National averages should not replace local review.
In H1 2026, Florida, South Carolina, Indiana, Delaware, and Illinois had the highest reported state foreclosure rates. [1]
References
- ATTOM, “Foreclosure Activity Posts Annual Increase in First Half of 2026,” July 16, 2026.
- ATTOM, “U.S. Foreclosure Activity Increases in 2025,” January 15, 2026.
- ATTOM, “Foreclosure Activity Rises in Q1 2026 as Market Continues to Normalize,” April 16, 2026.
- ATTOM, “U.S. Foreclosure Rates by State – June 2026,” July 17, 2026.