How do they explain the record foreclosures even for those who were not subprime mortgage loan recipients?

How do they explain the record mortgage foreclosures and still rising for those people? and how do they explain that certain regions or certain major cities of the USA have way more foreclosures than others?

For those for whom my question is not clear enough, I am referring to people who got regular A paper non subprime mortgages who did not lie or pad their assets and played by the rules and got regular fixed rate mortgages etc.. who are still losing their homes in record numbers.