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n Q3 2025, U.S. foreclosure filings climbed to 101,513—only a 0.9 % rise from Q2 but 17 % above the same period a year earlier. September alone saw 35,602 filings, a 0.3 % dip from August yet 20 % higher than September 2024. “We’ve observed a steady uptick in both starts and completions for consecutive quarters,” said ATTOM CEO Rob Barber, noting the trend may signal early borrower strain in certain regions.
Foreclosure starts totaled 72,317, up 2 % from Q2 and 16 % from Q3 2024. Texas led with 9,736 starts, followed by Florida (8,909), California (7,862), Illinois (3,515) and New York (3,234). In large metros (pop > 200k), Houston (3,763), New York City (3,452), Chicago (3,144), Miami (2,502) and Los Angeles (2,321) recorded the highest new activity.
Nationally, one in 1,402 homes had a foreclosure filing in Q3. Florida topped the list at one in 814, Nevada at one in 831, South Carolina at one in 867, Illinois at one in 944 and Delaware at one in 974. Among 225 metros, Lakeland, Fla. had the steepest rate—one in 470—followed by Columbia, S.C. (1 in 506), Cape Coral, Fla. (1 in 589), Cleveland, Ohio (1 in 593) and Ocala, Fla. (1 in 665). Other high‑rate metros included Cleveland (4th), Jacksonville, Fla. (6th), Las Vegas (9th), Houston (14th) and Orlando (17th).
Bank repossessions (REO) rose to 11,723 properties—4 % higher than Q2 and 33 % above Q3 2024. Texas led with 1,288 REOs, followed by California (1,132), Florida (762), Pennsylvania (708) and New York (644).
The average foreclosure timeline shortened to 608 days, a 6 % drop from Q2 and 25 % less than a year earlier. Louisiana had the longest average at 3,632 days, while West Virginia was fastest at 135 days, with Texas (154), Virginia (160), Wyoming (165) and Montana (174) close behind.
September 2025 snapshot: one in 3,997 homes had a filing. Florida’s monthly rate was one in 2,182, Delaware one in 2,325, Nevada one in 2,417, Indiana one in 2,697 and South Carolina one in 2,883. Starts totaled 23,761—down 2 % from August but 20 % up from September 2024. Completed foreclosures were 3,780, a 7 % month‑over‑month decline but 44 % higher year‑over‑year.
