Top 10 Foreclosure Cities

I am a little surprised by the inclusion of Dallas and Ft. Worth, TX. Neither of these is considered to be a real "bubble market" (and they are not too far from here). I am wondering if it has more to do with people buying homes for themselves when they could not afford it, or if it was due to a high number of borrowers that bought a house using "exotic" loans such as ARMs and I/O.