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ยป and multifamily residences, as well as commercial, mixed-use, and vacant, undeveloped land throughout Minnesota, Wisconsin, Illinois, and Georgia. Property photos with details were easily accessible on the company's website. Micoley.com always recommends bidders conduct their own due diligence by obtaining all property information and visiting the property in person if possible. For new bidders, Micoley.com's staff is available to answer questions by calling 1-866-378-2382 or by visiting Micoley.com to chat. Micoley.com specializes in bank-owned properties throughout the United States. STAT INSIGHT 17.5% Negative equity mortgages as a percentage of mortgages outstanding in Minnesota as of Q1 2013. Source: CoreLogic and Wells Fargo Securities rank: 22 Foreclosure Rate April 2013 5.1% Unemployment Rate 2.6% 9.1% year ago 5.2% 4.2% 9.0% year-over-year change -0.4% 1.1% Top County GeorGe CounTy Foreclosure Rate April 2013 4.0% 4.4% year ago 5.6% 5.3% year-over-year change -28.2% -18.3% Top Core-Based Statistical Area Greenville, MS 90+ Day Delinquency Rate Foreclosure Rate April 2013 7.0% 4.1% year ago 7.0% 4.2% year-over-year change 0.3% 90+ Day Delinquency Rate Foreclosure Rate April 2013 2.3% Unemployment Rate 1.2% 6.6% year ago 2.6% 1.9% 7.0% year-over-year change -9.2% -35.7% -5.7% Top County Madison CounTy 90+ Day Delinquency Rate April 2013 1.9% Foreclosure Rate 3.5% year ago 3.3% 3.8% year-over-year change -44.0% -8.2% Top Core-Based statistical area HanniBal, Mo 90+ Day Delinquency Rate Foreclosure Rate April 2013 2.2% 2.2% year ago 2.4% 2.9% year-over-year change -9.3% -23.9% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the April 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary April 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Applied Analytics. Missouri Bucks National Trend with Purchase Applications Outpacing Refinances Montana rank: 42 90+ Day Delinquency Rate Foreclosure Rate April 2013 1.2% Unemployment Rate 1.2% 5.5% year ago 1.2% 1.9% 6.1% year-over-year change -37.9% 90+ Day Delinquency Rate rank: 43 Applications for home purchases made up more than, half of Missouri's mortgage activity by the end of 2012 Other states with a similar trend include Georgia, Wisconsin, Illinois, Ohio, and Alabama. In each area, purchase shares gained at least 10 percentage points, approaching or even surpassing 50 percent by year-end. "Job growth has been encouraging in these states, and people are starting to feel more optimistic about the economy," said Mortgage Marvel COO Rick Allen. "With the improvements in the housing market, it could well be that people want to buy homes while they sense that prices are still within their reach and mortgage rates are low." Allen went on to say, "Housing is a major driver of the economy. Refinancing can create revenue in financial markets, but some home purchases can generate all sorts of economic activity, from construction to remodeling to furniture purchases. Because of this, the shift of mortgage applications in . . . Missouri . . . toward homebuying is a positive sign for the economy." IN THE NEWS Mississippi 90+ Day Delinquency Rate Missouri VISIT US ONLINE @ DSNEWS.COM -2.6% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the April 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary April 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Applied Analytics. While last year's mortgage market was largely dominated by refinance loans, a new report from MortgageMarvel.com says the stage is already set in some areas for purchase loans to take point. The report's findings come from a review of online loan applications submitted to lenders who use D+H Mortgagebot's online mortgage origination platform. D+H Mortgagebot owns and operates MortgageMarvel.com. According to the study, 55 percent of online mortgage applications were used to refinance existing mortgages in 2012, illustrating once again the effects of last year's historically low mortgage rates and the attractiveness of the government's Home Affordable Refinance Program (HARP). However, six states, including Missouri, told a different story as the year unfolded. -1.9% -35.2% -9.8% Top County BroadwaTer CounTy 90+ Day Foreclosure Delinquency Rate Rate April 2013 1.6% 3.9% year ago 3.6% 2.7% year-over-year change -56.1% 45.6% Top Core-Based Statistical area KaliSpell, MT 90+ Day Delinquency Rate Foreclosure Rate April 2013 1.5% 2.0% year ago 1.6% 3.0% year-over-year change -8.1% -34.0% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the April 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary April 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Applied Analytics. 81