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A new report out Wednesday finds that 4.3 percent of all Maine homes with a mortgage were in the foreclosure process in April, the second highest rate in New England.

That is up slightly — by 0.1 percent — over the same period a year ago, according to the CoreLogic FCL report that came out Wednesday. The report noted that 212 homes in Maine had been foreclosed on in the 12 months ending in April.

Nationally, 3.4 percent of homes with a mortgage — or 1.4 million homes — were in the foreclosure process in April.

Regionally, the state with the highest percentage was Connecticut at 4.6 percent. Maine came in at 4.3 percent, followed by Rhode Island at 3.2 percent, Vermont at 2.5 percent, Massachusetts at 2 percent, and New Hampshire at 1.5 percent.

It appears Maine had the least amount of homes foreclosed on in New England in the 12 months leading up to April, though data wasn’t available for Vermont. The state with the most foreclosures in the region was Massachusetts, at 8,690.

The report differentiates between judicial vs. nonjudicial foreclosure state categories. In judicial foreclosure states, lenders must provide evidence to the courts of delinquency in order to move a borrower into foreclosure, while in non-judicial foreclosure states lenders can issue notices of default directly to the borrower without court intervention. Maine, Massachusetts, Vermont and Connecticut are judicial foreclosure states, while New Hampshire and Rhode Island are not.

“The inventory of homes in foreclosure in judicial foreclosure states is growing, but this increase is being more than offset by declining inventories in non-judicial states where the processing timelines to clear a foreclosure are shorter,” said Anand Nallathambi, CEO of CoreLogic. “Nationally the inventory of homes in foreclosure decreased 0.1 percent from what it was a year ago at this time, and has leveled off over the first four months of 2012.”

The five states with the highest number of completed foreclosures for the 12 months ending in April 2012 were: California (142,000), Florida (92,000), Michigan (60,000), Texas (58,000) and Georgia (57,000). These five states account for 48.8 percent of all completed foreclosures nationally.

The five states with the lowest number of completed foreclosures for the 12 months ending in April 2012 were: South Dakota (62), District of Columbia (162), North Dakota (541), West Virginia (598) and Hawaii (601).

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