The judicial process takes considerably more time than the non-judicial, hence the fact that activity has been so markedly split.

FORBES: Worst Of Foreclosure Crisis Is Over But Problems Remain

Judicial foreclosure states have experienced prolonged foreclosure activity in response, with foreclosures in states like New York, New Jersey and Florida averaging a staggering 1, 049 days, 1, 002 days and 893 days accordingly.

FORBES: Where The Foreclosure Crisis Is Still Booming