Black Knight Financial Services says December was a good month for foreclosures in its latest report.
Stil, some states are leading the way in delinquent loans, while others are forging ahead as regions where a strong majority of homeowners are still current.
First by state: The states with the highest percentage of delinquent loans include Mississippi, New Jersey, Florida, New York and Louisiana.
The states with the best record for staying current are Montana, Colorado, Alaska, South Dakota and North Dakota.
Overall, the inventory of loans in foreclosure declined nearly 30% by the end of 2013. Granted, delinquencies were up slightly (+0.26%), but the overall trend for 2013 was one of improvement.
Really good news: In December, foreclosure and seriously delinquent (90+ days) inventories reached their lowest levels since 2008. Also, foreclosure starts were down 23% for the entire year. The total U.S. foreclosure pre-sale inventory rate hovered at 2.48%.
By volume, the number of properties 30 days or more past due, but not in foreclosure, came to 3.24 million.
In addition, there were 1.28 million properties 90 or more days delinquent, but not in foreclosure.
The number of properties in the foreclosure pre-sale inventory ran to 1.25 million, while the number of properties that were 30 or more days delinquent or in foreclosure hit 4.48 million.