The Truth Behind the 2025 Foreclosure Stats

Lately, foreclosure headlines have been catching attention—and not in a helpful way. Many are designed to stir up fear, but the truth behind the numbers paints a far more reassuring picture.

If you're watching the housing market or wondering how it affects you, here’s what you need to know.

The Headlines Say One Thing—The Data Says Another

Yes, foreclosure starts are up 7% in the first half of 2025. But that number alone doesn’t tell the full story.

Let’s add some context:
Only 0.13% of all U.S. homes had a foreclosure filing this year. That’s 1 in every 758 homes nationwide.

Compare that to 2010, during the housing crisis, when it was 1 in every 45 homes.
Big difference.

Filings Are Still Far Below Crash-Era Levels

Even with this recent uptick, today’s foreclosure activity is nowhere near a crisis. In fact, we're still well below even pre-pandemic levels.

Every market is different, but the national trend is clear: this is not a repeat of the past.

Here’s the visual proof — the national map from ATTOM shows how the data breaks down by region, with most areas showing healthy, stable numbers.

Why This Market Is Different

To understand why we’re not in danger, look at the underlying fundamentals:

• ✅ Stronger lending standards

• ✅ Record levels of home equity

• ✅ Homeowners are better positioned to sell, not default

As Rick Sharga, Founder of CJ Patrick Company, explains:

“A significant factor contributing to today’s comparatively low levels of foreclosure activity is that homeowners—including those in foreclosure—possess an unprecedented amount of home equity.”

In short: people have options. That’s a huge difference from the crash-era market.

What To Do If You’re Facing Hardship

No one wants to see a homeowner struggle. But if you’re facing financial difficulty, you may have more choices than you think.

Talk to your mortgage provider early—they can often help you avoid foreclosure. Selling with equity is often a viable path.

Bottom Line

Foreclosure headlines may sound alarming—but the data tells a different story.

If you want to understand what this means for your home’s value, or whether now’s the right time to make a move, let’s connect. I’ll help you cut through the noise and make informed decisions.

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