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92 to where it was two years ago in each of those counties. In Denver County, unemploy- ment fell by 3 percentage points from July 2012 to July 2014, while El Paso County and Arapahoe County experienced declines of 2.9 and 2.5 percentage points, respectively, in that same two-year period, RealtyTrac reported. Another possible reason for the better off rating for most of Colorado is the decreasing number of underwater mortgages. According to RealtyTrac, only 6 percent of homeowners with a mortgage in the three most populated housing counties in Colorado are underwater. Foreclosure starts are down in two of those three counties from August 2012 to August 2014: Denver County and El Paso County saw declines of 67 and 54 percent in foreclosure starts for the two-year period, while Arapahoe County saw a slight increase (3 percent) in foreclosure starts for that same period. Home prices are up in all three counties compared with where they were two years ago, according to RealtyTrac. Arapahoe County led the way with a 22 percent increase in home prices from two years ago, while home prices jumped by 14 percent in Denver County and by 5 percent in El Paso County. A rise in prices without a corresponding rise in income is hurting the housing affordability in those three counties, however. Denver and Arapahoe counties reported a 5 percent increase in the percentage of median income needed to purchase a median price home in the last two years, while El Paso County reported a 2 percent jump. Hawaii RANK: 4 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate SEPTEMBER 2014 1.87% 3.89% 4.2 YEAR AGO 2.20% 5.41% 4.7 YEAR-OVER-YEAR CHANGE -14.8% -28.0% -0.5 Top County HAWAII COUNTY 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 2.16% 6.88% YEAR AGO 2.68% 9.72% YEAR-OVER-YEAR CHANGE -19.2% -29.2% Top Core-Based Statistical Area HILO, HI 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 2.16% 6.88% YEAR AGO 2.68% 9.72% YEAR-OVER-YEAR CHANGE -19.2% -29.2% 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. Idaho RANK: 29 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate SEPTEMBER 2014 1.21% 1.20% 4.5 YEAR AGO 1.57% 1.98% 6 YEAR-OVER-YEAR CHANGE -22.9% -39.8% -1.5 Top County WASHINGTON COUNTY 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 0.76% 2.99% YEAR AGO 1.60% 3.79% YEAR-OVER-YEAR CHANGE -52.4% -21.1% Top Core-Based Statistical Area BURLEY, ID 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 2.09% 2.29% YEAR AGO 1.26% 3.75% YEAR-OVER-YEAR CHANGE 65.5% -38.9% 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 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. Montana RANK: 37 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate SEPTEMBER 2014 0.98% 0.86% 4.6 YEAR AGO 1.15% 1.06% 5.6 YEAR-OVER-YEAR CHANGE -14.7% -19.0% -1 Top County LINCOLN COUNTY 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 1.56% 2.14% YEAR AGO 1.32% 1.72% YEAR-OVER-YEAR CHANGE 17.7% 24.3% Top Core-Based Statistical Area BUTTE-SILVER BOW, MT 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 1.31% 1.34% YEAR AGO 1.60% 1.25% YEAR-OVER-YEAR CHANGE -18.6% 7.2% 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. Nevada RANK: 14 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate SEPTEMBER 2014 3.13% 2.13% 7.3 YEAR AGO 4.41% 3.92% 9.6 YEAR-OVER-YEAR CHANGE -29.0% -45.5% -2.3 Top County NYE COUNTY 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 3.49% 3.56% YEAR AGO 4.09% 6.27% YEAR-OVER-YEAR CHANGE -14.7% -43.3% Top Core-Based Statistical Area PAHRUMP, NV 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 3.49% 3.56% YEAR AGO 4.09% 6.27% YEAR-OVER-YEAR CHANGE -14.7% -43.3% 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 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. Colorado's rank among states in foreclosure rate for October 2014, with one foreclosure filing for every 3,387 housing units. The national average was one in 1,069. Source: RealtyTrac STAT INSIGHT 44th