States With Long Foreclosure Timelines

These states have the longest average times to foreclose.

By , Attorney · University of Denver Sturm College of Law

Foreclosure procedures vary from state to state, and so does the duration. In some states, foreclosures can take a very long time, sometimes a few years.

How Long Does It Take to Foreclose on a House?

According to a 2024 foreclosure report from ATTOM Data Solutions, the average number of days for a foreclosure between the first public notice of foreclosure and the end of the foreclosure was an average of 720 days in the fourth quarter of 2023.

But in some states, the process was typically much longer. (And in others, the timeline is shorter.)

Judicial Foreclosures Usually Take Longer Than Nonjudicial Ones

Depending on the state and circumstances, a foreclosure will be judicial or nonjudicial.

How Judicial Foreclosures Work

Judicial foreclosures go through the state court system, meaning the courts are involved in every step of the foreclosure. So, a judicial foreclosure often takes much longer than a nonjudicial one.

Backlogged courts, judges' schedules, hearings, and required paperwork contribute to a prolonged process. Courts are often unable to process large volumes of foreclosures in an expedited manner.

How Nonjudicial Foreclosures Work

In a nonjudicial foreclosure, the lender doesn't have to go through court to foreclose. For this reason, nonjudicial foreclosures are typically faster than judicial ones. But not always.

Homeowner Protection Laws Delay Foreclosures

Another reason some states have long timelines is federal and state foreclosure prevention efforts.

To learn about your options if you are facing foreclosure, get Nolo's The Foreclosure Survival Guide.

Top Five States With the Longest Foreclosure Timelines

As of the fourth quarter of 2023, according to ATTOM Data Solutions, foreclosures in the following states took an exceptionally long time.


Foreclosures in Louisiana took around 2,641 days to complete.


Hawaii also had long foreclosure timelines, averaging 2,031 days.

New York

The foreclosure process in New York took, on average, 2,006 days.


Nevada had extended foreclosure timelines, averaging 1,816 days (over seven years).


Foreclosures in Kentucky took around 1,643 days.

States With the Fastest Foreclosure Timelines

On the flip side, as of the third quarter of 2023, the following states had the shortest timelines: Montana (169 days), Wyoming (169 days), Texas (171 days), Michigan (205 days), and Missouri (214 days).

States With the Highest Foreclosure Rates

According to ATTOM Data Solutions, the ten states with the highest foreclosure rates in 2023 were New Jersey, Illinois, Delaware, Maryland, Ohio, South Carolina, Nevada, Florida, Connecticut, and Indiana.

Options Available to Borrowers During Foreclosure

If you're facing a foreclosure in a state where it takes a lot of time to complete the process, you'll probably have plenty of time before losing your home to:

Talk to an Attorney

If you live in a state where foreclosures usually take a long time, and you're about to go through one, you likely will have plenty of time to apply for (and hopefully get) an alternative to foreclosure.

But keep in mind that the timelines discussed in this article are averages. The actual length of any individual foreclosure depends on many factors, and your foreclosure could be longer or shorter than the state average.

Consider talking to a local foreclosure attorney to find out how long a foreclosure will take and get advice on your situation.

Talk to a Foreclosure attorney.
We've helped 75 clients find attorneys today.
There was a problem with the submission. Please refresh the page and try again
Full Name is required
Email is required
Please enter a valid Email
Phone Number is required
Please enter a valid Phone Number
Zip Code is required
Please add a valid Zip Code
Please enter a valid Case Description
Description is required

How It Works

  1. Briefly tell us about your case
  2. Provide your contact information
  3. Choose attorneys to contact you