Though the national delinquency rate is about percent below the level of a year ago, the inventory of foreclosures yet to be sold is about 10 percent higher.

The national delinquency rate for mortgages that are 30 days or more past due rose slightly in July, 2.4 percent, but are still 10.4 percent below a year ago.

However, the foreclosure presale inventory is still 9.7 percent higher than a year ago after falling .4 percent from June, according to”first look” data for July from Lender Processing Services.

The number of properties that are 30 or more days past due, but not in foreclosure was 4,382,000 in July. The number of properties that are 90 or more days delinquent, but not in foreclosure was 1,899,000. The size of the foreclosure pre-sale inventory was 2,156,000 properties and the number of properties that are 30 or more days delinquent or in foreclosure.