The lawsuit alleged that, in the early days of the pandemic, Wells Fargo put hundreds of thousands of mortgages into forbearance — sometimes without the borrowers even knowing it or asking for it.

But filings are still well below historical norms. And analysts are not expecting anything like the foreclosure crisis during the last recession.

But the recovery has been unequal. Black homeowners are at a higher risk of foreclosure when forbearance rules expire, one nonprofit says.

But homeowners are in a better position to avoid foreclosure than they were in the last crisis.

Homeowners can request up to six months of additional relief, and the deadline for new applicants is now the end of June.

Some who left forbearance plans are delaying payments again.

Will banks that offered forbearance see more customer loyalty down the road?

But not everyone who needs relief may be getting it.