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» VISIT US ONLINE @ DSNEWS.COM 95 who claimed their mortgage loan application was wrongly denied because the wife was on maternity leave. "Mountain America claimed that its mortgage insurer's guidelines for calculat- ing income for women on maternity leave allowed regular pay to be considered only if the women returned to work before the loan closed," HUD said. "e birth of a child, a joyous event for a family, should not become the basis for deny- ing that family a home mortgage," said Bryan Greene, HUD's general deputy assistant sec- retary for fair housing and equal opportunity. "HUD will continue to enforce fair housing laws to ensure that no family is denied the opportunity to buy a home because of mater- nity, paternity, or pregnancy leave." Under the terms of the Conciliation Agreement, Mountain America will pay $10,000 to an affected borrower found during the HUD investigation. Additionally, the credit union will pay $15,000 to a qualified organization to help educate the public on fair lending requirements—including the rights of borrowers on maternity, paternity, pregnancy, or parental leave at the time of an application for a mortgage loan. HUD noted, "Mountain America will also adopt a parental leave policy consistent with the Fair Housing Act with regard to calculation and treatment of maternity, pater- nity, and pregnancy leave income and identify when employment income may be used based upon the timing of a scheduled return-to- work date. Mountain America will conduct training on the new policy and its application for its employees." Wyoming RANK: 50 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate MAY 2014 1.09% 0.49% 4.0% YEAR AGO 1.15% 0.65% 4.6% YEAR-OVER-YEAR CHANGE -5.4% -23.8% -0.6% Top County WESTON COUNTY 90+ Day Foreclosure Delinquency Rate Rate MAY 2014 1.61% 1.51% YEAR AGO 0.86% 1.21% YEAR-OVER-YEAR CHANGE 86.8% 25.1% Top Core-Based Statistical Area GILLETTE, WY 90+ Day Foreclosure Delinquency Rate Rate MAY 2014 1.97% 1.11% YEAR AGO 1.97% 1.41% YEAR-OVER-YEAR CHANGE -0.3% -21.0% 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 May 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary May 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Washington RANK: 23 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate MAY 2014 2.05% 1.63% 5.8% YEAR AGO 2.84% 2.47% 7.0% YEAR-OVER-YEAR CHANGE -27.9% -34.2% -1.2% Top County WAHKIAKUM COUNTY 90+ Day Foreclosure Delinquency Rate Rate MAY 2014 2.81% 2.95% YEAR AGO 5.02% 2.16% YEAR-OVER-YEAR CHANGE -44.0% 36.5% Top Core-Based Statistical Area ABERDEEN, WA 90+ Day Foreclosure Delinquency Rate Rate MAY 2014 3.15% 2.68% YEAR AGO 3.60% 3.69% YEAR-OVER-YEAR CHANGE -12.6% -27.4% 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 May 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary May 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Start your day with a professional pick-me-up. Start your day with the most current and critical news on the mortgage default servicing industry from DSNews.com. Sign up for our e-mail newsletter and get the top stories delivered direct to your inbox every day. Register to receive your Daily Dose at DSNews.com Median dollars per foot above sea level for properties in Brian Head, Utah. The town has an elevation of 9,800 feet. Source: Movoto STAT INSIGHT $112.24

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