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86 Arkansas RANK: 25 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate SEPTEMBER 2014 3.22% 1.51% 6.2 YEAR AGO 3.46% 1.95% 7.7 YEAR-OVER-YEAR CHANGE -6.9% -22.7% -1.5 Top County MISSISSIPPI COUNTY 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 4.98% 3.31% YEAR AGO 4.77% 3.82% YEAR-OVER-YEAR CHANGE 4.5% -13.5% Top Core-Based Statistical Area BLYTHEVILLE, AR 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 4.98% 3.31% YEAR AGO 4.77% 3.82% YEAR-OVER-YEAR CHANGE 4.5% -13.5% 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 September 2014 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary September 2014 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Florida RANK: 3 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate SEPTEMBER 2014 2.87% 4.28% 6.1 YEAR AGO 3.55% 8.07% 6.9 YEAR-OVER-YEAR CHANGE -19.2% -47.0% -0.8 Top County CALHOUN COUNTY 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 2.20% 8.58% YEAR AGO 2.82% 9.94% YEAR-OVER-YEAR CHANGE -21.8% -13.7% Top Core-Based Statistical Area ARCADIA, FL 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 2.98% 8.22% YEAR AGO 5.71% 11.29% YEAR-OVER-YEAR CHANGE -47.8% -27.2% 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 September 2014 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary September 2014 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Florida Adriana M Montes, MBA Florida Dreams Realty Group adriana@FloridaDreamsRealty.com Cell 321 689 6258 www.fl oridadreamsrealty.com MEMBER IN THE NEWS Report: Tampa Area Accounts for 3.3 Percent of Nation's Foreclosure Completions Foreclosure inventory was down in the Tampa, Florida, area in August but the area still led all core-based statistical areas (CB- SAs) nationwide in foreclosure completions over a 12-month period, according to data recently released by CoreLogic. In the Tampa-St. Petersburg-Clearwater CBSA, there were 19,153 completed foreclo- sures from September 2013 to August 2014, most of any CBSA in the nation for that time period, CoreLogic reported. e 19,000+ foreclosure completions in the Tampa area for that period accounted for 3.3 percent of the 575,706 foreclosure completions nationwide for those 12 months, according to CoreLogic. e state of Florida, with 120,842 foreclosure completions in those 12 months, accounted for 21 percent of foreclosure completions nationwide. e Tampa CBSA also had the high- est serious delinquency rate among the 25 CBSAs with the most foreclosure comple- tions over 12 months, according to Core- Logic. Tampa's serious delinquency rate of 9.9 percent was ahead of Nassau County- Suffolk County, New York, and Newark, New Jersey-Pennsylvania, which tied for second place with a rate of 9.2 percent each. Serious delinquency is defined as being 90 days or more late on mortgage payments or in foreclosure. For August, the national aver- age serious delinquency rate was 4.3 percent, CoreLogic reported. Tampa's foreclosure inventory, or the number of residential properties in some state of foreclosure, fell by 3 percentage points in August from the same month a year ago, according to CoreLogic. In August, Tampa reported that 5.6 percent of all residential mortgages nationwide were in some state of foreclosure, tied with Nassau-Suffolk County for second only to Newark (5.8 percent) among the top 25 CBSAs in foreclosure completions over the previous 12 months, CoreLogic reported. e national average foreclosure inventory rate was 1.6 percent for August. ree other CBSAs reported more than 10,000 foreclosure completions from September 2013 to August 2014, according to CoreLogic: Atlanta-Roswell-Sandy Springs, Georgia (16,834); Orlando-Kissimmee-San- ford, Florida (14,375); and Chicago-Naper- ville-Arlington Heights, Illinois (11,341). ACES Risk Management, Kroll Factual Data Announce Partnership ACES Risk Management (ARMCO) has announced an integration with Kroll Factual Data that will streamline the re-verification process and create a single system of record. e loan auditing platform of Florida- based ARMCO, a leading provider of web-based audit technology for the financial services industry, will be integrated with Kroll Factual Data's verification services. Kroll is based in Colorado and is a leading provider of credit, risk mitigation, and third- party verification services for the mortgage industry. Full communication between ACES Web Audit Technology, ARMCO's quality control software, and the Verify platform of Kroll Factual Data will be established with this integration. is will make Kroll Factual Data's re-verification services directly available to ARMCO customers who use the ACES system. Pre-populated loan order forms are sent directly to Kroll from ACES, then after completion they are uploaded back into the ACES loan file where they can be reviewed by an analyst. e result is a streamlined verification process that produces a single system of record, thus cutting down on processing time and expenses. "e cost of compliance and the hours spent on compliance have gone up signifi-