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The share of U.S. homes in foreclosure last quarter increased 3% from a year ago, with one in every 404 residences in some state of foreclosure between July and September, according to a new report from housing data company RealtyTrac. A total of 327,258 homes had a foreclosure filing (default notice, scheduled auction or bank repossession) in the third quarter, but only 133,811 of them were from homes entering the foreclosure process, which is down 14% from last year and puts foreclosure starts at the lowest point they’ve been since the third quarter of 2005.

For six of the last seven months, foreclosure activity has increased on a year-over-year basis, which more than anything is driven by an ongoing increase of bank repossessions. In some of the states with the highest foreclosure rates last quarter, bank repossessions soared. For example, bank repossessions in New Jersey jumped 351% between the third quarter of 2014 and this year, and in Nevada, bank repossessions increased 255% in the last year.

For those who are in the midst of foreclosure, increasing bank repossessions may signal an end to the very long process, perhaps allowing those consumers to move on and focus on improving their finances and credit.

Hopeful homeowners could potentially benefit from the availability of homes at discounted prices, though buying a foreclosed property can be a difficult undertaking, and areas with high rates of foreclosure can suffer from depressed home values.

Here are five states with the highest rate of homes with a foreclosure filing in the third quarter of 2015.

10. Indiana

Foreclosure rate in the third quarter: 1 in every 353 homes has a foreclosure filing
Change from Q2 2015: down 5.3%
Change from Q3 2014: down 6.9%

9. Georgia

Foreclosure rate in the third quarter: 1 in every 337
Change from Q2 2015: up 9.3%
Change from Q3 2014: down 11.7%

8. Ohio

Foreclosure rate in the third quarter: 1 in every 334
Change from Q2 2015: down 11.7%
Change from Q3 2014: down 8.5%

7. New Mexico

Foreclosure rate in the third quarter: 1 in every 322
Change from Q2 2015: up 38.8%
Change from Q3 2014: up 137.9%

6. South Carolina

Foreclosure rate in the third quarter: 1 in every 311
Change from Q2 2015: up 8%
Change from Q3 2014: up 7.9%

5. Illinois
Foreclosure rate in the third quarter: 1 in every 281
Change from Q2 2015: down 1%
Change from Q3 2014: down 4.6%

4. Maryland
Foreclosure rate in the third quarter: 1 in every 220
Change from Q2 2015: down 10.2%
Change from Q3 2014: down 6.7%

3. Nevada
Foreclosure rate in the third quarter: 1 in every 194
Change from Q2 2015: up 15.3%
Change from Q3 2014: up 13.2%

2. Florida
Foreclosure rate in the third quarter: 1 in every 186
Change from Q2 2015: down 12.1%
Change from Q3 2014: down 17.3%

1. New Jersey
Foreclosure rate in the third quarter:
Foreclosure rate: 1 in every 171
Change from Q2 2015: up 9.9%
Change from Q3 2014: up 27.4%

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