The delinquencyrnrate increased 0.74 percent from November to 7.17 percent including loans thatrnare more than 30 days past due but not yet in foreclosure.  This is a year-over-year change of -9.11. Therernare currently 3.58 million mortgages that are 30 days or more past due but not in foreclosure;rn1.55 million of these are more than 90 days in arrears.  </p

The pre-salerninventory of homes for which foreclosure has been initiated stands at 1.72rnmillion loans, down 1.99 percent from November and -18.05 percent compared tornDecember 2011.  The pre-foreclosure salerninventory rate is 3.44 percent. The number of properties that were in somernstage of delinquency or foreclosure in December was 5,292,000.</p<pThe states with the highest percentage of delinquentrnloans and loans in foreclosure were Florida, Mississippi, New Jersey, Nevada,rnand New York. <br /<br /<br /

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