Orange County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Orange County, CA distress report, 2026: 92 ZIPs scored in Orange, CA, Orange, CA average 27/100; the top Orange, CA ZIP is 92530 at 36/100; Orange, CA market phase peak, Orange, CA prices +0.4% year over year.
- Orange, CA ranks #2,768 nationally (opportunity index); Orange, CA #44 in California; Orange, CA index 24.6.
- Orange, CA ninety-day mortgage delinquency 0.3% in December 2025; Orange, CA twelve-month change 0.0%.
- Orange, CA ZIP phases: 92 peak.
- Orange, CA residential listings tracked: 163 across 60 ZIPs; Orange, CA candidate listings 47.
- Orange, CA HUD assisted properties: 49 with 5,325 units.
- Orange, CA lenders on watch: 8; largest Orange, CA footprint Farmers&Merchants Bk Long Be (15 branches).
- Orange, CA most distressed ZIP: 92530 at 36/100.
Orange, CA figures: DLRadar distress index; Orange, CA inputs: CFPB, FHFA, HUD, FDIC; Orange, CA rebuilt as sources refresh.
| Rank | Orange, CA ZIP | Score |
|---|---|---|
| 1 | 92530 | 36/100 |
| 2 | 92672 | 33/100 |
| 3 | 90638 | 32/100 |
| 4 | 90716 | 32/100 |
| 5 | 90630 | 28/100 |
| 6 | 90631 | 28/100 |
| 7 | 90620 | 27/100 |
| 8 | 90621 | 27/100 |
| 9 | 90623 | 27/100 |
| 10 | 90680 | 27/100 |
| 11 | 90720 | 27/100 |
| 12 | 90740 | 27/100 |
Most distressed Orange, CA ZIPs (0-100, 2026)
Mortgage delinquency in Orange, CA
0.3% of Orange, CA mortgages were ninety-plus days late (Orange, CA, December 2025); Orange, CA thirty-to-eighty-nine days late: 0.6%; Orange, CA twelve-month change 0.0%; Orange, CA peak since 2008: 6.1% (February 2010); California overall 0.5%. Orange, CA ninety-day series: Dec 24 0.3, Jan 25 0.2, Feb 25 0.2 (Orange, CA), Mar 25 0.2, Apr 25 0.2, May 25 0.3 (Orange, CA), Jun 25 0.3, Jul 25 0.3, Aug 25 0.3 (Orange, CA), Sep 25 0.3, Oct 25 0.3, Nov 25 0.3 (Orange, CA), Dec 25 0.3.
Opportunity index: Orange, CA
Orange, CA index 24.6, Orange, CA phase weak; Orange, CA primary driver construction, Orange, CA second driver bank institutional. Orange, CA components: property stress 17.1, foreclosure pressure 20.0, listing discounts 11.7, bank stress 58.1, insurance 0.0; Orange, CA pulse 29.9; Orange, CA capital opportunity 16.6.
ZIP market phases inside Orange, CA
92 Orange, CA ZIPs carry a price-cycle phase; Orange, CA ZIPs by phase (Orange, CA), deepest drawdown first: peak, +0.4% YoY, 0.2% off peak (Orange, CA): 90620, 90621, 90631, 90638, Orange, CA 90680, 90716, 90720, 90740, Orange, CA 90742, 90743, 92602, 92603, Orange, CA 92604, 92606, 92610, 92612.
Residential listings by Orange, CA ZIP
Orange, CA ZIPs with the most tracked Orange, CA residential listings: 92618 21 listings, 6 candidates, bank pressure 60; 92620 12 listings, 2 candidates, bank pressure 60; 90631 6 listings, 3 candidates, bank pressure 59; 92612 6 listings, 0 candidates, bank pressure 60 (Orange, CA); 92602 5 listings, 0 candidates, bank pressure 60; 92603 5 listings, 0 candidates, bank pressure 60; 92614 5 listings, 3 candidates, bank pressure 60; 90620 4 listings, 0 candidates, bank pressure 60. Orange, CA totals: 163 listings; Orange, CA candidates 47; active ZIPs 56.
HUD assisted housing in Orange, CA
49 assisted properties with 5,325 units sit in Orange, CA; largest Orange, CA properties: Community Garden Towers (Orange) 333 units, 292 assisted; Saddleback Ranch Apartments (Lake Forest) 305 units; City Gardens Apartments (Santa Ana) 274 units in Orange, CA; 19th Street Affordable, Lp (Costa Mesa) 270 units; Brookside Ii Apartments (La Palma) 264 units; Caribbean Cove Apartments (Anaheim) 240 units.
Lenders with branches in Orange, CA
Orange, CA lenders by branch count: Farmers&Merchants Bk Long Be (Orange, CA): stress 57, 15 branches low in Orange, CA; Banc Of California (Orange, CA): stress 87, 12 branches low in Orange, CA; Citizens Business Bank Na (Orange, CA): stress 50, 11 branches low in Orange, CA; Cathay Bank (Orange, CA): stress 51, 6 branches low in Orange, CA; Bank Of Hope (Orange, CA): stress 67, 5 branches low in Orange, CA; City National Bank (Orange, CA): stress 66, 5 branches low in Orange, CA; East West Bank (Orange, CA): stress 56, 5 branches low in Orange, CA; Poppy Bank (Orange, CA): stress 69, 4 branches low in Orange, CA.
Vacancy and permits, Orange, CA
63,209 of 1,146,169 Orange, CA housing units are vacant; Orange, CA permits, twelve months: 3,017 multifamily units in Orange, CA, 3,079 one-to-four unit units.
Work Orange, CA at the parcel level
Every Orange, CA parcel carries owner and address; every Orange, CA parcel carries APN; Orange, CA distress scores sit on the Orange, CA live board.
Orange, CA figures refresh with each source.
Orange, CA questions
Most distressed ZIP code in Orange County, CA?
ZIP 92530 leads Orange, CA at 36/100; next in Orange, CA: 92672 at 33/100; the Orange, CA average is 27/100.
Where does Orange County, CA rank for investment opportunity?
Orange, CA is #2,768 among all ranked counties, #44 in California; the Orange, CA driver is construction; Orange, CA moved down 412 places.
How many mortgages are delinquent in Orange County, CA?
0.3% of Orange, CA mortgages were ninety-plus days late in December 2025; the Orange, CA peak since 2008 was 6.1%.
Which banks lend in Orange County, CA?
8 watched lenders hold Orange, CA branches; the largest Orange, CA footprints are Farmers&Merchants Bk Long Be (15), Banc Of California (12), Citizens Business Bank Na (11).
More on Orange, CA
Orange County, CA distress report: public-record figures for Orange, CA; not legal advice for Orange, CA; not tax or investment advice; verify every Orange, CA record before acting.