The states where the housing crisis drags on

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The residential foreclosure rate is now below pre-recession levels in 12 states, and the national foreclosure rate has dropped to its lowest level since the fourth quarter of 2006, RealtyTrac reports in its latest quarterly and monthly analysis of foreclosure data. Meanwhile, many of the states hit hardest by the mortgage meltdown in 2008 saw an increase of foreclosure activity in March.

The data looks at how many residential properties have a foreclosure filing — notice of default, scheduled auction or bank repossession — and how those figures compare to foreclosure filings in previous months and years.

Defaulting on a home loan or going through a foreclosure can have devastating effects on a homeowner's credit standing, and foreclosure can affect the community, as well, by lowering property values, though that can be advantageous for buyers. You can see how your home loan or foreclosure is affecting your credit by reviewing your free credit report summary every 30 days on Credit.com, and if you're having trouble making home loan payments, here are some tips you may want to consider.

In the first quarter of 2016, the U.S. foreclosure rate declined 3.58% from the previous quarter and 7.77% from the first quarter of 2015. Though foreclosure filings increased a bit from February to March (up about 11%), March's foreclosure activity was still lower than it was last year (a 10.72% decrease).

Five of the 10 states with the highest foreclosure rates in March also saw annual decreases in activity, but the foreclosure landscape hasn't changed all that much. Nine of the 10 states with the highest foreclosure rates in March 2016 were also on that top 10 list in March 2015. Here's the most recent breakdown.

10. Indiana

March 2016 Foreclosure Rate: 1 in every 1,061 homes
Change from February: up 7% (was ranked 10th)
Change from March 2015: down 8%

9. Pennsylvania

March 2016 Foreclosure Rate: 1 in every 1,020 homes
Change from February: up 21% (was ranked 12th)
Change from March 2015: up 20%

8. Ohio

March 2016 Foreclosure Rate: 1 in every 886 homes
Change from February: up 17% (was ranked 7th)
Change from March 2015: up 8%

7. South Carolina

March 2016 Foreclosure Rate: 1 in every 835 homes
Change from February: up 32% (was ranked 9th)
Change from March 2015: up 4%

6. Illinois

March 2016 Foreclosure Rate: 1 in every 803 homes
Change from February: down 0.3% (was ranked 5th)
Change from March 2015: down 43%

Related: 18 states Americans are moving out of

19 PHOTOS
18 States Americans are moving out of
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The states where the housing crisis drags on

Total people moving in: 891

Total people moving out: 1121

Net Flow: -230

Percent of Moves Outbound: 55.7%

Total people moving in: 222

Total people moving out: 280

Net Flow: -58

Percent of Moves Outbound: 55.8%

Total people moving in: 418

Total people moving out: 528

Net Flow: -110

Percent of Moves Outbound: 55.8%

Total people moving in: 968

Total people moving out: 1236

Net Flow: -288

Percent of Moves Outbound: 56.1%

Total people moving in: 274

Total people moving out: 355

Net Flow: -81

Percent of Moves Outbound: 56.4%

Total people moving in: 131

Total people moving out: 175

Net Flow: -44

Percent of Moves Outbound: 57.2%

Total people moving in: 579

Total people moving out: 778

Net Flow: -199

Percent of Moves Outbound: 57.3%

Total people moving in: 1548

Total people moving out: 2164

Net Flow: -616

Percent of Moves Outbound: 58.3%

Total people moving in: 1859

Total people moving out: 2713

Net Flow: -854

Percent of Moves Outbound: 58.3%

Total people moving in: 1175

Total people moving out: 1591

Net Flow: -416

Percent of Moves Outbound: 57.5%

Total people moving in: 2256

Total people moving out: 3196

Net Flow: -940

Percent of Moves Outbound: 58.6%

Total people moving in: 1240

Total people moving out: 1810

Net Flow: -570

Percent of Moves Outbound: 59.3%

Total people moving in: 1240

Total people moving out: 1810

Net Flow: -570

Percent of Moves Outbound: 59.3%

Total people moving in: 170

Total people moving out: 250

Net Flow: -80

Percent of Moves Outbound: 60.0%

Total people moving in: 152

Total people moving out: 229

Net Flow: -77

Percent of Moves Outbound: 60.0%

Total people moving in: 2193

Total people moving out: 3535

Net Flow: -1342

Percent of Moves Outbound: 61.7%

Total people moving in: 2543

Total people moving out: 4107

Net Flow: -1564

Percent of Moves Outbound: 61.8%

Total people moving in: 65

Total people moving out: 106

Net Flow: -41

Percent of Moves Outbound: 62.0%

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Want to know which states cracked the top five? Check out the full article on Credit.com.

More from Credit.com
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How to get a credit card with so-so credit

This article originally appeared on Credit.com.

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