Foreclosure filings, defined as a default notice, auction sale notice or bank repossessions, were an increase of nearly 4 percent from the previous month and down 29 percent from June 2010. 0.90 percent of all U.S. housing units (one in 111) had at least one foreclosure filing in the first half of the year, according to RealtyTrac's June 2011 Foreclosure Market Report.

Foreclosure filings, defined as a default notice, auction sale notice, or bank repossession show a 4 percent decrease in July from June, and a 35 percent decrease from the same period a year ago, according to RealtyTrac's July 2011 Foreclosure Market Report.



One in every 611 U.S. housing units, had a foreclosure filing during the month of July, RealtyTrac said.



“It appears that the foreclosure processing delays, combined with the smorgasbord of national and state-level foreclosure prevention efforts — including loan modifications, lender-borrower mediations and mortgage payment assistance for the unemployed — may be allowing more distressed homeowners to stave off foreclosure." said James J. Saccacio, chief executive officer of RealtyTrac.



“Unfortunately, the falloff in foreclosures is not based on a robust recovery in the housing market but on short-term interventions and delays that will extend the current housing market woes into 2012 and beyond.”



Here are states with the 10 highest foreclosure rates in July 2011.



Updated August 11, 2011