Foreclosure filings — the records created when a home reaches a new stage of foreclosure — topped 7,000 in San Diego County again last month, according to numbers released today by RealtyTrac.

There are three stages of foreclosure — notice of default, notice of trustee’s sale and bank repossession.

Last month’s 7,085 filings marked a 9.9 percent drop from March, when 7,858 notices were filed. But last month’s total was 30 percent higher than April 2008.

That fit with the nationwide total filings, which were up 32 percent year-over-year.

James J. Saccacio, RealtyTrac CEO said much of the national activity was in the first two stages of foreclosures, while bank repossessions, or REOs, were down to their lowest levels since March 2008.

More from Saccacio, from the firm’s press release:

“This suggests that many lenders and servicers are beginning foreclosure proceedings on delinquent loans that had been delayed by legislative and industry moratoria. It’s likely that we’ll see a corresponding spike in REOs as these loans move through the foreclosure process over the next few months.”

KELLY BENNETT

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