I have filed judicial foreclosure complaints, but those were commercial properties and frequently involve appointment of a receiver to collect rents and manage the property pending the foreclosure. You almost never see judicial foreclosure actions by conventional lenders on owner occupied residential properties in California.
The judicial foreclosure process will take over a year if contested, and after the sale takes place pursuant to judicial order, The lender then has to petition the Court to try to get a deficiency judgment. As a trade off, the borrower then has a “right of redemption” for a year which means that the lender or purchaser at the sale can’t evict the borrower and can’t get clear title to the property during the period in which the borrower has the right to redeem the property back. Conventional lenders can’t really handle this so you just don’t see them pursuing judicial foreclosure
