Charlotte area home foreclosures dipped 1.1 percent in May from a year ago, falling below the national rate, according to CoreLogic. CoreLogic says the foreclosure rate was 2.21 percent among outstanding loans in the Charlotte area, down from 3.31 percent a year earlier. The national foreclosure rate for May was 2.61 percent. CoreLogic’s tracking of Charlotte foreclosure figures show the rate has been on a downward slide for several months. The percentage of Charlotte area mortgage loans 90 days or more delinquent also declined from a year ago. In May, the rate fell to 5.3 percent from 6.8 percent.