© 2026 ABC News

ABC News' analysis found that homeowners of color have been disproportionately affected. The average number of annual foreclosures in majority non-white ZIP codes has been more than three times the national average, according to the data.

\"We are talking about a crisis that disproportionately impacts communities of color and the elderly because those are the communities that were targeted for bad loans in the first place,\" Inwald said.

Inwald, whose organization serves people facing foreclosure in New York City, said that there are still people impacted by the foreclosure crisis that peaked between 2007 and 2010.

\"In some respects, that same foreclosure crisis is still going on,\" Inwald said. \"Many of the clients that we see have been in foreclosure or at risk of foreclosure for years. Many of the cases that are getting brought in court were brought before and did not succeed.\"

\"PHOTO:
Jared Kofsky/ABC News
PHOTO: An analysis found that Arizona had the 10th highest number of yearly foreclosure filings per ZIP code.
>

Advocates say that homeowners who fear that foreclosure could be on the horizon should seek help from a housing counselor as soon as possible -- but should make sure that the adviser who they consult with is reputable. Inwald said that homeowners in need of assistance should contact their state's attorney general's office to be pointed in the right direction.

Arner, hoping to prevent other families from losing their home, has been vocal on social media about what she, her husband and their children experienced during the foreclosure process.

\"It just was a tough situation to feel like such a failure, and to feel like we had just done everything wrong, and it helped me to be able to share that, and to say it's OK to feel this way,\" Arner said.

This story has been updated to provide additional context regarding the increase in foreclosure filings.

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