That increase signals banks are moving more aggressively now against borrowers who have fallen behind on their mortgage payments than they have since industrywide foreclosure processing problems emerged last fall. Those problems resulted in a sharp drop in foreclosure activity.

The surge in default notices means homeowners who haven’t kept up their mortgage payments could now end up on the foreclosure path sooner. Initial default notices are first step in the process that can lead to a home being taken back by a lender.

In all, 195,878 properties received a default notice in the third quarter. Despite the sharp increase from the second quarter, the total was still down 27% from the third quarter last year, RealtyTrac said.

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