# $UNDERWATER · Foreclosure warnings in Maryland

Notices of Intent to Foreclose sent to Maryland homeowners in a month, all counties and Baltimore City added together, as lenders report them to the state's Office of Financial Regulation. A notice of intent is the letter a homeowner gets at least 45 days before a lender can file to foreclose. Counted from July 2021, the first month of the state's file. The file starts low, 818 in July 2021, and rises after the federal pause on foreclosures of federally backed mortgages ended on July 31 2021 (3,227 in October).

| Field | Value |
| --- | --- |
| Newest complete period | Oct 2026: 8,738 notices, score 21, Normal |
| Source | Maryland Open Data, Maryland Foreclosure Notice Data by County (Office of Financial Regulation), Notices of Intent to Foreclose (https://opendata.maryland.gov/d/w3bc-8mnv) |
| Terms | Maryland's open data portal states no licence for this file. Tickerz prints its own total and links the file. |
| Cadence | Monthly. The state adds each month a few weeks after it ends. |
| Grade | display |
| Rulebook | Rulebook v0.2, 2026-10-04 |

## Settlement

Why this grade: Lenders' own filings with a state regulator, compiled by the state. The file states no licence. Shown, not settled on.
What it costs to move: Not practical. A notice is a lender's legal filing.
When the source is late: A month prints when the state posts it. Until then it stays open. A month the state never posts is void.
Precision: Whole notices: every county column of the month's Notice of Intent row, added.

## As first published, and the proof

Not on-chain yet. The newest complete period goes on-chain with the daily proof at 12:40 UTC.

## Last 30 complete periods

| Period | Level | Change | Band |
| --- | ---: | ---: | --- |
| Oct 2026 | 8,738 notices | +2.4% | Normal |
| Sep 2026 | 8,530 notices | +4.0% | Quiet |
| Aug 2026 | 8,203 notices | -1.0% | Quiet |
| Jul 2026 | 8,289 notices | +1.8% | Quiet |
| Jun 2026 | 8,142 notices | +12.1% | Normal |
| May 2026 | 7,262 notices | -5.4% | Quiet |
| Apr 2026 | 7,675 notices | -4.9% | Quiet |
| Mar 2026 | 8,074 notices | -7.8% | Quiet |
| Feb 2026 | 8,754 notices | -1.3% | Normal |
| Jan 2026 | 8,866 notices | +4.0% | Normal |
| Dec 2025 | 8,523 notices | +11.8% | Normal |
| Nov 2025 | 7,623 notices | -7.5% | Quiet |
| Oct 2025 | 8,241 notices | +8.1% | Normal |
| Sep 2025 | 7,623 notices | -3.4% | Quiet |
| Aug 2025 | 7,890 notices | +3.1% | Normal |
| Jul 2025 | 7,654 notices | +9.0% | Normal |
| Jun 2025 | 7,021 notices | +0.2% | Quiet |
| May 2025 | 7,006 notices | +0.5% | Quiet |
| Apr 2025 | 6,968 notices | +7.4% | Quiet |
| Mar 2025 | 6,486 notices | -11.4% | Quiet |
| Feb 2025 | 7,319 notices | -16.1% | Normal |
| Jan 2025 | 8,722 notices | +12.6% | Elevated |
| Dec 2024 | 7,746 notices | +23.9% | Elevated |
| Nov 2024 | 6,251 notices | -11.5% | Quiet |
| Oct 2024 | 7,060 notices | +4.4% | Normal |
| Sep 2024 | 6,761 notices | -4.3% | Normal |
| Aug 2024 | 7,065 notices | +1.8% | Normal |
| Jul 2024 | 6,941 notices | +15.2% | Normal |
| Jun 2024 | 6,027 notices | -4.2% | Quiet |
| May 2024 | 6,290 notices | +0.7% | Quiet |

JSON: https://tickerz.com/api/indices/underwater

## Asked often

**How many Maryland homeowners get foreclosure notices each month?** Lenders sent 8,738 notices of intent to foreclose to Maryland homeowners in Oct 2026, as the state's Office of Financial Regulation reports them.

**Where does the $UNDERWATER number come from?** Tickerz reads it from Maryland Open Data, Maryland Foreclosure Notice Data by County (Office of Financial Regulation), Notices of Intent to Foreclose. Monthly. The state adds each month a few weeks after it ends. Each number is kept as it was first published, with a timestamped proof, and any later revision is shown beside it.

**Can I download the $UNDERWATER data?** Yes, free and with no key: the full history as JSON at https://tickerz.com/api/indices/underwater and every period as CSV at https://tickerz.com/api/indices/underwater/history.csv.

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