AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREStriving toward a more perfect me: Doug McIntyre Detroit was second, with one foreclosure filing for every 33 households. The Riverside-San Bernardino metro area, located about 60 miles east of Los Angeles, was third, with one filing for every 43 households.Riverside-San Bernardino also accounted for the most foreclosure filings in the U.S. during the quarter, RealtyTrac said.The housing market slump has made it harder for financially strapped homebuyers to sell their homes and avoid missing payments or losing their homes in foreclosure.Increasingly, many borrowers who took out adjustable-rate mortgages and other loans that potentially adjust to higher monthly payments after an initial period also are finding they can’t afford their payments.Once-booming areas, such as California’s Central Valley, where Stockton is located, and the neighboring counties that are home to Riverside and San Bernardino, also are mired now with a glut of new and resale homes. “What happens there is you have your basic economic imbalance between supply and demand,” said Rick Sharga, vice president of marketing for RealtyTrac. “It exacerbates the problem for people who are on the verge of default.”Riverside-San Bernardino had 31,661 filings on 20,664 properties, a jump of more than 267 percent from the year-ago quarter.The California metro areas of Sacramento, Bakersfield and Oakland were also among the top 10 metro areas with the highest foreclosure rates, garnering the sixth, ninth and 10th spots, respectively.Los Angeles had the second-highest number of foreclosure filings during the quarter with 29,501 on 18,043 homes. The city’s foreclosure rate was one filing for every 113 households, or 26th overall.Dave Webb, co-owner of Hudson & Marshall, a foreclosure auction firm based in Dallas, said most of the properties being auctioned by his firm in inland areas of California are investment properties that ended up being repossessed by lenders after the market tanked.160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! Homeowners nationwide are increasingly having trouble making their mortgage payments on time, but borrowers in metro areas of California, Florida and other once-booming housing markets are accounting for the biggest spikes in foreclosure filings, according to a mortgage research company.An analysis of foreclosure activity in the nation’s largest 100 metropolitan areas during the three months ended Sept. 30 shows seven cities in California and five each in Florida and Ohio were among the top 25 metro areas with the highest foreclosure rates, according to the study being released today by RealtyTrac Inc.The Irvine-based company calculates its foreclosure rate ranking by comparing the number of households in a metro area with the number of foreclosure filings, which include notices of default, auction sale notices or bank repossessions.Stockton, about 83 miles east of San Francisco, had the highest foreclosure rate in the third quarter among the top 100 metro areas, with one foreclosure filing for every 31 households, RealtyTrac said.