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Montana rank: 41 90+ Day Delinquency Rate Foreclosure Rate december 2012 1.28% Unemployment Rate 1.40% 5.7% year ago 1.43% 1.85% 6.6% percent point change -10.6% -24.3% -13.6% Top County BroadwaTer CounTy 90+ Day Delinquency Rate SUBSCRIBE TO THE LEADER IN DEFAULT SERVICING NEWS Foreclosure Rate december 2012 2.62% 3.57% year ago 3.13% 1.81% percent point change -16.1% 97.1% Top Core-Based Statistical area default servicing in print and online KaliSpell, MT 90+ Day Delinquency Rate Foreclosure Rate december 2012 1.60% 2.23% d e fa u lt se r v ic in p g in onl a nd r in t in e @ d s. sn e w VILLAINS ��� OR 12 0 VICTIMS? PROGRAMMED FOR PERFORMANCE 11.2 Did of���cials in Nevada bend the rules Incentives, better communication, to make c o m robo-signing a criminal offense, and personal service are key to creating or is it a case where the end justi���es the means? low-default solutions and reducing foreclosures. @ dsnews.com 02.2013 SEISMIC SHIFT IN SERVICING IS THE RECOVERY THE REAL DEAL? With mortgage servicing rights trading hands at a furious pace, non-bank servicers stand to gain from banks��� portfolio trimming. Things are looking up for the country with most economic indicators pointing toward recovery, but are they legit or is it a case of wishful thinking? year ago 1.70% 3.16% percent point change -6.0% -29.2% AR RNACUL n As��� VE breakdow n ee n NG HO betw SPEAKI unicatio tion meowner mm nten note: The 90+ Day delinquecy rate is the percentage of outstanding mortgage loans that are 90plus days delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the December 2012 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary December 2012 figures released by the Bureau of Labor Statistics. All other data courtesy of Lender Processing Services. ts Roommunity o h C The t Grow of Co ds co d ho service bree icers an t field e gap. serv ns, bu idge th ciatio n br S asso iders ca AN-LOS prov ER LO still iffy, ss DS OV beef AT OD fiscal fitne rs tos, but de With want len erve that���s res tors n-loss ain ne. regulaeir loa ers maint an do th up th bank r said some easie TS GHOS SPELLIN Typi���ed byDItheirG ���uid business formulas and time-tested tactics, these 25 top-of-the-line leaders have the art of servicing down to a science. s of ance the nu ration ating y regist ting, Navigpropert is a daun able, nt ge es vaca inanc unmana siness. ord not bu but rt of the pa es with s allianc erica���s rative ing Am the seed Collaboare help ods plant ho fits nonpro neighbor future. tful a frui for Nebraska rank: 48 90+ Day Delinquency Rate Foreclosure Rate december 2012 1.75% Unemployment Rate 1.05% 3.7% year ago 1.83% 1.39% 4.2% percent point change -4.2% -25.0% -11.9% Top County BurT CouNTy 90+ Day Delinquency Rate Foreclosure Rate december 2012 2.86% 2.65% year ago 2.93% 3.41% percent point change -2.3% -22.2% Top Core-Based Statistical Area LexiNgToN, Ne 90+ Day Delinquency Rate DS News is the only publication in the country solely dedicated to providing default servicing professionals with news and content focused on their industry. Foreclosure Rate december 2012 1.35% 1.52% year ago 1.81% 2.27% percent point change -25.4% note: -33.1% The 90+ Day delinquecy rate is the percentage of outstanding mortgage loans that are 90plus days delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the December 2012 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary December 2012 figures released by the Bureau of Labor Statistics. All other data courtesy of Lender Processing Services. 96 SUBSCRIBE NOW! Call 214.525.6700 or connect with us online at DSNews.com.