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94 STATE OF AFFAIRS: WEST » Montana RANK: 38 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2013 1.07% 1.09% 5.2% YEAR AGO 1.27% 1.45% 5.7% YEAR-OVER-YEAR CHANGE -15.9% -24.8% -0.5% Top County POWELL COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 2.71% 3.12% YEAR AGO 1.87% 3.11% YEAR-OVER-YEAR CHANGE 44.9% 0.5% Top Core-Based Statistical Area KALISPELL, MT 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 1.11% 1.55% YEAR AGO 1.65% 2.37% YEAR-OVER-YEAR CHANGE -33.0% -34.5% 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 November 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary November 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Nevada RANK: 9 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2013 4.41% 3.35% 9.0% YEAR AGO 6.30% 5.48% 10.0% YEAR-OVER-YEAR CHANGE -30.1% -38.8% -1.0% Top County NYE COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 4.23% 5.62% YEAR AGO 5.55% 7.47% YEAR-OVER-YEAR CHANGE -23.8% -24.7% Top Core-Based Statistical Area PAHRUMP, NV 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 4.23% 5.62% YEAR AGO 5.55% 7.47% YEAR-OVER-YEAR CHANGE -23.8% -24.7% 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 November 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary November 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. IN THE NEWS Prospect Mortgage Expands Local Footprint Prospect Mortgage, LLC is expanding its footprint. e Dallas-based lending company has acquired certain assets of the retail mort- gage branch operations of Excel Mortgage Servicing, Inc. Impac Mortgage in four Western states. e acquisition should add approximately 40 loan officers to Prospect's origination platform across 12 branches in California, Washington, Oregon, and Idaho. "is strategic acquisition will increase our local footprint in several key markets and strengthen our ability to serve homebuyers and real estate agents," said Doug Long, President of National Lending of Prospect Mortgage. "It will allow us to extend our successful purchase-loan strategy and gain local market share." Included in the acquisition are portions of Impac Mortgage's operations team, includ- ing the hiring of approximately 15 operations personnel in Washington, Oregon, Idaho, and California. New Mexico RANK: 14 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2013 1.95% 2.73% 6.4% YEAR AGO 2.18% 3.60% 6.7% YEAR-OVER-YEAR CHANGE -10.4% -24.1% -0.3% Top County TORRANCE COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 2.73% 5.51% YEAR AGO 3.02% 6.89% YEAR-OVER-YEAR CHANGE -9.8% -20.0% Top Core-Based Statistical Area GRANTS, NM 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 1.99% 4.79% YEAR AGO 2.58% 5.15% YEAR-OVER-YEAR CHANGE -22.8% -7.1% 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 November 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary November 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Oregon RANK: 15 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2013 1.64% 2.71% 7.3% YEAR AGO 2.23% 3.09% 8.4% YEAR-OVER-YEAR CHANGE -26.1% -12.1% -1.1% Top County CROOK COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 1.64% 5.55% YEAR AGO 2.86% 6.37% YEAR-OVER-YEAR CHANGE -42.8% -12.9% Top Core-Based Statistical Area PRINEVILLE, OR 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 1.64% 5.55% YEAR AGO 2.86% 6.37% YEAR-OVER-YEAR CHANGE -42.8% -12.9% 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 November 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary November 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Utah RANK: 37 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2013 2.13% 1.11% 4.3% YEAR AGO 2.87% 1.59% 5.3% YEAR-OVER-YEAR CHANGE -25.7% -30.2% -1.0% Top County CARBON COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 2.10% 2.54% YEAR AGO 2.27% 1.75% YEAR-OVER-YEAR CHANGE -7.8% 44.9% Top Core-Based Statistical Area PRICE, UT 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2013 2.10% 2.54% YEAR AGO 2.27% 1.75% YEAR-OVER-YEAR CHANGE -7.8% 44.9% 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 November 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary November 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics.