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90 unauthorized changes to the CheckMyNPV website, including disabling the tool that allows homeowners to check the net present value of their homes and determine their HAMP eligibility. Court records show that Rajendran's actions caused $69,638 in dam- ages and losses to the website. "Rajendran, a former federal IT contrac- tor, crashed the functionality of www.Check- MyNPV.com, which temporarily prevented struggling homeowners from using the site's net present value calculator to determine their eligibility for TARP's housing program, HAMP," SIGTARP's Christy Romero said in a press release. "ose who stand in the way of homeowners getting the help they seek and need through HAMP will be held accountable and brought to justice by SIG- TARP and our law enforcement partners." West Virginia RANK: 30 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate SEPTEMBER 2014 2.57% 1.17% 6.6 YEAR AGO 2.25% 1.39% 6.4 YEAR-OVER-YEAR CHANGE 14.3% -16.2% 0.2 Top County WYOMING COUNTY 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 3.77% 3.50% YEAR AGO 5.16% 2.14% YEAR-OVER-YEAR CHANGE -26.9% 63.9% Top Core-Based Statistical Area HUNTINGTON-ASHLAND, WV-KY-OH 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 2.31% 1.93% YEAR AGO 2.15% 1.44% YEAR-OVER-YEAR CHANGE 7.3% 34.6% 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. Alaska RANK: 50 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate SEPTEMBER 2014 1.09% 0.55% 6.8 YEAR AGO 1.21% 0.74% 6.6 YEAR-OVER-YEAR CHANGE -10.4% -25.3% 0.2 Top County NOME CENSUS AREA 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 2.33% 1.33% YEAR AGO 1.18% 1.26% YEAR-OVER-YEAR CHANGE 97.8% 5.6% Top Core-Based Statistical Area FAIRBANKS, AK 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 1.83% 1.31% YEAR AGO 2.19% 1.37% YEAR-OVER-YEAR CHANGE -16.5% -4.8% 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. Arizona RANK: 45 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate SEPTEMBER 2014 1.33% 0.60% 6.9 YEAR AGO 1.65% 0.94% 8 YEAR-OVER-YEAR CHANGE -19.4% -36.0% -1.1 Top County GRAHAM COUNTY 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 1.96% 1.36% YEAR AGO 2.12% 1.15% YEAR-OVER-YEAR CHANGE -7.5% 18.8% Top Core-Based Statistical Area SAFFORD, AZ 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 1.96% 1.36% YEAR AGO 2.02% 1.12% YEAR-OVER-YEAR CHANGE -2.6% 21.4% 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 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. California RANK: 43 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate SEPTEMBER 2014 1.35% 0.63% 7.3 YEAR AGO 2.12% 0.99% 8.8 YEAR-OVER-YEAR CHANGE -36.4% -36.2% -1.5 Top County LASSEN COUNTY 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 1.65% 1.90% YEAR AGO 2.92% 2.00% YEAR-OVER-YEAR CHANGE -43.4% -4.8% Top Core-Based Statistical Area SUSANVILLE, CA 90+ Day Foreclosure Delinquency Rate Rate SEPTEMBER 2014 1.65% 1.90% YEAR AGO 2.92% 2.00% YEAR-OVER-YEAR CHANGE -43.4% -4.8% 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. IN THE NEWS California Judge Dismisses $16M Verdict Against Servicer A California judge dismissed a $16.2 million verdict a jury awarded to a California homeowner in July after the homeowner sued mortgage servicer PHH Mortgage to stop foreclosure proceedings on his home. Yuba County Superior Court Judge Ste- phen Berrier said in his ruling that there was no "substantial evidence" to support home- owner Phillip Linza's claims of negligence, intentional misrepresentation, interference, and infliction of emotional distress on the part of PHH. Linza had been awarded $15.7 million in punitive damages and more than $500,000 in compensatory damages in July after a 17-day jury trial. Berrier ruled that Linza was not entitled to compensatory or punitive damages, but the judge did not dismiss the homeowner's claims of breach of contract and good faith, Virginia ranked 31st in the U.S. in foreclosure rate for October 2014 with one foreclosure filing for every 2,078 housing units, according to RealtyTrac. KNOW THIS