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84 chosen Indiana as a fixture in its long-term business plan." Among the positions for which Carrington will be hiring at the new Westfield facility are underwriters, sales and marketing profession- als, servicing specialists, and customer service representatives. e company currently em- ploys more than 1,000 associates in multiple branches nationwide, including more than 180 in Indiana. "Indiana's cost-competitive business environment and the strength of the Cen- tral Indiana workforce made Westfield an ideal location for Carrington to continue to grow," said John Alkire, EVP of Carrington Mortgage. "We look forward to expanding our footprint in Indiana and contributing to the local economy while extending our ser- vices and exceptional home financing products to our clients." Iowa RANK: 25 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JULY 2014 1.45% 1.46% 4.5 YEAR AGO 1.46% 2.18% 4.7 YEAR-OVER-YEAR CHANGE -0.4% -33.1% -0.2 Top County LOUISA COUNTY 90+ Day Foreclosure Delinquency Rate Rate JULY 2014 2.41% 3.88% YEAR AGO 1.55% 4.03% YEAR-OVER-YEAR CHANGE 55.8% -3.8% Top Core-Based Statistical Area SPENCER, IA 90+ Day Foreclosure Delinquency Rate Rate JULY 2014 1.78% 3.02% YEAR AGO 2.31% 2.89% YEAR-OVER-YEAR CHANGE -22.8% 4.3% 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 July 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary July 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Kansas RANK: 33 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JULY 2014 2.01% 1.03% 4.9 YEAR AGO 2.07% 1.41% 5.5 YEAR-OVER-YEAR CHANGE -2.8% -27.1% -0.6 Top County DICKINSON COUNTY 90+ Day Foreclosure Delinquency Rate Rate JULY 2014 3.95% 2.94% YEAR AGO 2.26% 3.44% YEAR-OVER-YEAR CHANGE 74.6% -14.6% Top Core-Based Statistical Area 90+ Day Foreclosure Delinquency Rate Rate JULY 2014 YEAR AGO YEAR-OVER-YEAR CHANGE 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 July 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary July 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Michigan RANK: 38 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JULY 2014 1.98% 0.84% 7.4 YEAR AGO 2.32% 1.19% 9 YEAR-OVER-YEAR CHANGE -14.7% -29.1% -1.6 Top County GRATIOT COUNTY 90+ Day Foreclosure Delinquency Rate Rate JULY 2014 3.47% 2.08% YEAR AGO 3.71% 1.66% YEAR-OVER-YEAR CHANGE -6.3% 25.7% Top Core-Based Statistical Area ALMA, MI 90+ Day Foreclosure Delinquency Rate Rate JULY 2014 3.47% 2.08% YEAR AGO 3.71% 1.66% YEAR-OVER-YEAR CHANGE -6.3% 25.7% 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 July 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary July 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Minnesota RANK: 47 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JULY 2014 1.20% 0.59% 4.3 YEAR AGO 1.29% 0.99% 5 YEAR-OVER-YEAR CHANGE -7.4% -40.3% -0.7 Top County PIPESTONE COUNTY 90+ Day Foreclosure Delinquency Rate Rate JULY 2014 1.95% 2.85% YEAR AGO 1.39% 1.83% YEAR-OVER-YEAR CHANGE 40.2% 55.2% Top Core-Based Statistical Area NEW ULM, MN 90+ Day Foreclosure Delinquency Rate Rate JULY 2014 2.68% 1.31% YEAR AGO 1.81% 0.80% YEAR-OVER-YEAR CHANGE 47.9% 63.5% 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 July 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary July 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Minnesota www.MinnesotaREO.com 612-669-6324 952-829-2938 763-432-7640 612-821-7500 952-844-1511 763-533-9133 651-209-8444 Bruce McAlpin Jeff Detloff Long H. Doan Maribel Garcia Garth Johnson Craig Murphy Michael Olsen In Indiana, 921 borrowers reported lowering their monthly mortgage payment by 20 percent or more as a result of a mortgage loan modification during Q2, according to the Office of the Comptroller of the Currency. KNOW THIS The number of borrowers in Minnesota in Q2 who actually reported an increase in their monthly mortgage payment after receiving a mortgage loan modification. Source: Office of the Comptroller of the Currency STAT INSIGHT 63

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