The share of U.S. homes in foreclosure fell slightly in January, down 3.55% from December and down 12.94% from January 2016. The figures come from real estate data company ATTOM Data Solutions, which bases foreclosure rates on the portion of residential properties in any of the three stages of foreclosure: default, auction and repossession.

Much of the decrease came from a decline in foreclosure starts (default), which fell 11.55% from December and 20.11% from January 2016. A great deal of foreclosure activity came from banks purchasing foreclosed homes — the end of the process.

The overall decline indicates fewer American homeowners are falling behind on their mortgages and, as a result, avoiding foreclosure and credit damage. (You can see how your mortgage and other accounts affect your credit by reviewing your free credit report summary, updated every 14 days, on Credit.com.) The list of states with the highest foreclosure rates includes most of the same states that were on it in past months, though most of them saw declines, as well. Here are the 10 states that had the largest portions of homes in foreclosure in January.

10. Ohio

January 2017 foreclosure rate: 1 in every 1,289 housing units
Change from December 2016: up 0.55% (No. 11)
Change from January 2016: down 20.83% (No. 6)

9. New Mexico

January 2017 foreclosure rate: 1 in every 1,288 housing units
Change from December 2016: up 21.1% (No. 15)
Change from January 2016: up 31.72% (No. 22)

8. South Carolina

January 2017 foreclosure rate: 1 in every 1,228 housing units
Change from December 2016: up 0.11% (No. 10)
Change from January 2016: down 1.94% (No. 9)

7. Connecticut

January 2017 foreclosure rate: 1 in every 1,216 housing units
Change from December 2016: down 10.76% (No. 7)
Change from January 2016: up 11.65% (No. 14)

6. Florida

January 2017 foreclosure rate: 1 in every 1,161 housing units
Change from December 2016: down 18.54% (No. 5)
Change from January 2016: down 31.72% (No. 4)

You can see the full list of states with the largest portions of homes in foreclosure in January 2017 on Credit.com.

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