The latest RealtyTrac report shows 635,159 foreclosure filingson 446,726 properties in the US during the third quarter, a rate ofone foreclosure filing for every 196 US households. The MortgageBankers Association report shows that the state's commercial loandelinquency ratio stood at .04%, marking the 36th consecutivequarter in which the delinquency ratio remained below a half of apercentage point.

"August and September were the two highest monthly foreclosurefiling totals we've seen since we began issuing our report inJanuary 2005," says James J. Saccacio, chief executive officer ofRealtyTrac. With foreclosures increasing in 45 out of 50 states inthe third quarter, and given the number of loans due to resetthrough the middle of 2008, "We would expect foreclosure activityto remain high and even increase over the next year in manymarkets," Saccacio says.

Nevada posted the nation's highest foreclosure rate for thequarter, one filing for every 61 households, with Californiaplacing second at one filing for every 88 households. Other statesin the top 10 for filings per household were Florida, Michigan,Ohio, Colorado, Arizona, Georgia, Indiana and Texas.