The number of homes in Yakima County going back to the banks continues to fall.  A new report shows 21 homes were in some stage of foreclosure last month.  RealtyTrac reports there were 60 during February of last year. There were 15 locally during January. But, the numbers across the state could begin to rise again following the national mortgage industry settlement. The settlement clears the path for lenders to proceed with foreclosures.