Upcoming Foreclosures - Does a lender have the right to change locks on a property where the loan is default but not in foreclosure?

Does a lender have the right to change locks on a property where the loan is default but not in foreclosure?

no
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If you have received a Notice of Default, you are in foreclosure, but no, they shouldn't be changing the locks. The locks shouldn't be changed until the Bank Owns the property which is after the Auction.
I have a feeling that you may be unaware of the status of the home. You can rest assured it's in foreclosure. After so many months of "default" it's in foreclosure baby!