In the wake of last week's MDA DataQuick stats showing 4,448 Second Quarter foreclosures and 10,682 mortgage defaults in Amador, El Dorado, Nevada, Placer, Sacramento, Sutter, Yolo and Yuba counties we got statistics for both at the regional ZIP Code level.
What you'll see here is that foreclosures and defaults are reaching into more affluent areas such as Roseville, Auburn and Granite Bay that were once immune to a problem largely confined to risky subprime lending. It's not that the numbers have skyrocketed - it's that they are up pretty significantly from the same time last year. The theory is that rising unemployment and loss of incomes is banging on the door of wealthier neighborhoods now.
On the contrary, some of the hardest-hit ZIP Codes since the market began imploding in early 2007 are showing signs of declining or leveling off of defaults and foreclosures.
There's lots to learn about your neighborhood in the MDA DataQuick stats that follow here.
Here are defaults and foreclosures by ZIP Code. It's an EXCEL chart. You can click between the tabs for defaults and foreclosures, which are called here trustees deeds.