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» "We think it's a good thing, and we're seeing good performance," he said. The post-modification program is currently available through 18 servicers, according to Fannie Mae, and servicers are continuing to enroll. Servicers offering Fannie Mae's postmodification counseling include: • Ally/Ocwen • Bank of America • Capital One • Citi • Green Tree Servicing • Homeward Residential • JPMorgan Chase • Loan Care Servicing • Nationstar • OneWest Bank • PHH Mortgage • PNC Bank • RBS • Regions Bank • Seterus • SunTrust • US Bank • Wells Fargo "It is a true partnership we have with our servicers," Kantor said, according to the Housing Industry Forum. "The servicers who are participating see the benefit of counseling because we are educating the borrower for long-term success." Servicers participating in the program must present Fannie Mae with an inclusion file of all participating homeowners. They must also send a letter to all homeowners entering trial modifications to inform them about the program and let them know the next steps for enrollment. As servicers implement the GSEs' single point of contact (SPOC) guidelines, Kantor says he will "want SPOCs to get more involved because they have developed some trust" with homeowners. SPOCs will likely be responsible for introducing the program and connecting homeowners to counselors. Bank Settles with Justice Department over Loan Discrimination Claims The U.S. Department of Justice (DOJ) announced settlement resolving allegations of loan discrimination by a bank in the Washington, D.C., metropolitan area. The settlement was filed in conjunction with the DOJ's complaint in the U.S. District Court for the Eastern District of Virginia. The department's complaint alleges that Chevy Chase Bank, F.S.B. charged elevated prices between 2006 and 2009 on mortgage loans made to black and Hispanic borrowers, a violating of the Fair Housing and Equal Credit and Opportunity acts (FHA and ECOA, respectively). Chevy Chase Bank was purchased by Capital One in 2009, with the latter bank acting as successor in interest. The Justice Department clarified the complaint is related solely to loans originated by Chevy Chase Bank and does not reflect on Capital One's lending practices. As part of the settlement, Capital One will pay $2.85 million to approximately 3,100 black and Hispanic borrowers who are believed to be victims of loan discrimination. The settlement requires borrowers, who are eligible for compensation, to be notified, and the department will monitor the compensation process. "We commend Capital One for working cooperatively with the Justice Department to reach this agreement," said Jocelyn Samuels, acting assistant attorney general for the DOJ's Civil Rights Division. rank: 32 2.2% Foreclosure Rate August 2013 Unemployment Rate 1.4% 6.3% year ago 2.3% 2.1% 7.6% year-over-year change -3.4% -30.9% -17.1% Top County Wyoming CounTy 90+ Day Delinquency Rate August 2013 2.9% Foreclosure Rate 2.6% year ago 3.0% 3.0% year-over-year change -3.3% -14.6% Top Core-Based Statistical Area Wheeling, WV-oh 90+ Day Delinquency Rate August 2013 1.9% Foreclosure Rate 2.7% year ago 2.0% 2.0% year-over-year change -4.2% Wisconsin rank: 27 90+ Day Delinquency Rate Foreclosure Rate August 2013 2.4% Unemployment Rate 2.0% 6.7% year ago 2.6% 3.3% 7.0% year-over-year change -7.6% -40.5% -4.3% Top County Monroe CounTy 90+ Day Delinquency Rate August 2013 2.9% Foreclosure Rate 4.3% year ago 2.5% 4.3% year-over-year change 18.4% -1.1% Top Core-Based Statistical Area JAneSville, Wi 90+ Day Delinquency Rate Foreclosure Rate August 2013 3.7% 2.7% year ago 3.7% 4.4% year-over-year change -1.1% -39.7% 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 August 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary August 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. IN THE NEWS West Virginia 90+ Day Delinquency Rate VISIT US ONLINE @ DSNEWS.COM 37.0% 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 August 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary August 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. CoreLogic Integrates Credit Services with Mortgagebot's EnterpriseLOS CoreLogic Credco's Instant Merge credit reports are now available on Wisconsinbased D+H Mortgagebot's EnterpriseLOS platform. Accessible on more than 50 technology platforms, Instant Merge provides specific demographic information, current and historical tradeline details, and public records and inquiries with additional features such as identity verification, multiple scoring options, and detailed creditor contact information. "CoreLogic Credco has an incredibly strong presence in the industry, with a reputation for efficiency and reliability," said Matt Cotter, SVP of marketing for D+H. "By adding CoreLogic credit data to EnterpriseLOS, we are able to offer lenders streamlined access to the most popular merged credit report around." The integration of Instant Merge with EnterpriseLOS represents the latest step in 95

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