Denver Foreclosures Buck a Climbing National Trend
Published by Cash Flow Deals · Last updated 2026-08-04
ATTOM Data reported November 2025 marked the ninth straight month of year-over-year growth in US foreclosure activity, with starts up 17% and completed foreclosures up 26% nationally. Denver County moved the other way: foreclosure starts fell from 173 in November 2024 to 145 in November 2025. Fewer local filings does not mean every local seller behind on payments is in the clear.
| Factor | Traditional Listing | Cash Flow Deals |
|---|---|---|
| Response speed once payments are already behind | Weeks to list, stage, and wait on a buyer's financing to clear | Net price can be locked before repairs are even scoped |
| Who ends up on the title | Seller today, buyer at closing, unchanged | Title moves once, directly from seller to buyer, through novation |
| Certainty of the final number | Can move during inspection negotiations and buyer financing terms | Locked before the home is even inspected |
A Ninth Straight Month of National Foreclosure Growth
ATTOM Data Solutions counted 35,651 US properties with a foreclosure filing in November 2025. Starts were up 17% year over year to 23,720 properties. Completed foreclosures, the point where a lender takes the home back, rose 26% to 3,884 properties. ATTOM CEO Rob Barber called it what it is: 'November marks the ninth straight month of year-over-year increases in foreclosure activity, underscoring a trend that has steadily taken shape throughout 2025.' Nine months is not a blip. It is a pattern that started early in the year and never reversed.
Denver County's Numbers Moved the Other Way
Denver did not follow the national line in November. Foreclosure starts in the county fell from 173 in November 2024 to 145 in November 2025, a real year-over-year decline while the country as a whole kept climbing. That is worth saying plainly instead of folding it into the national story: Denver's local foreclosure count went down, not up, in the same month ATTOM flagged as the ninth straight month of national growth.
Why the National Number Still Matters to a Denver Seller
A falling local count is good news at the county level. It says nothing about any single household. Foreclosure starts are a lagging number. They show up months after a homeowner first missed a payment, after a loan went 90 or 120 days delinquent, after loss-mitigation calls to the servicer went unanswered or unresolved. A Denver homeowner two or three payments behind right now will not show up in a foreclosure count for months. The national trend ATTOM is describing is the wave building behind the local number, not proof it stops at the county line.
What a Seller Behind on Payments Can Do Before a Filing Happens
The earlier a behind-on-payments homeowner acts, the more options stay on the table. A servicer can offer forbearance or a loan modification, but only if contacted before a filing starts the legal clock. A HUD-approved housing counselor can review the full financial picture for free. Selling is also an option, and it does not require a home to be market-ready first. A seller facing this situation can request a locked net-price offer from Cash Flow Deals, a real estate investment company, before repairs are scoped, so the number is settled before the condition of the home becomes part of the conversation.
Common questions
Did foreclosures in Denver County go up or down in 2025?
Down, at least for November. ATTOM Data recorded 145 foreclosure starts in Denver County in November 2025, versus 173 in November 2024, a year-over-year decline even as the national count climbed for a ninth straight month.
What does ATTOM's 'ninth straight month' actually mean?
It means every month from roughly March through November 2025 showed more foreclosure activity nationally than the same month a year earlier. November alone logged 35,651 properties with a filing, with starts up 17% and completed foreclosures up 26% year over year.
If Denver's foreclosure count is falling, does that mean local sellers are safe?
Not automatically. Foreclosure starts are a lagging indicator, counted only after a filing is made, which can happen months after a homeowner first fell behind. A lower county count does not erase individual financial stress that has not yet reached that stage.
What should a Denver homeowner do the moment they fall behind on a mortgage payment?
Call the loan servicer immediately to ask about forbearance or loan modification options, and contact a HUD-approved housing counseling agency for free guidance. Waiting until a filing is close narrows every option that exists today.
Where does ATTOM get its foreclosure numbers?
ATTOM Data Solutions compiles foreclosure filings, auction notices, and bank repossessions from county recorder and court records across the country, then reports them monthly, quarterly, and annually by metro and county.
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What this means for your options
Rising foreclosure filings mean more distressed inventory competing for the same buyers. The homes that sell fastest are the ones priced and positioned before that competition grows.
Wait and see
Keep the property as-is and hope conditions improve. The mortgage, insurance, and upkeep keep costing money while you wait, with no set date for things to turn around.
List with a traditional agent
Standard MLS listing, typically 5-6% in commission, and a financed buyer whose deal depends on appraisal, inspection, and lender approval — any of which can fall through after weeks on market.
Sell to Cash Flow Deals
No repairs, no showings, no financing contingency on your side — our novation structure connects you with a bank-financed buyer at a price locked at signing. A no-obligation offer, usually within one business day.
See your no-obligation cash offer before you decide anything.