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84 North Dakota RANK: 49 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2014 0.49% 0.55% 2.8 YEAR AGO 0.53% 0.72% 2.7 YEAR-OVER-YEAR CHANGE -6.9% -23.4% 0.1 Top County TRAILL COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 0.47% 1.84% YEAR AGO 0.36% 0.91% YEAR-OVER-YEAR CHANGE 31.9% 100.8% Top Core-Based Statistical Area WAHPETON, ND-MN 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 0.90% 0.77% YEAR AGO 0.50% 0.68% YEAR-OVER-YEAR CHANGE 80.8% 12.6% 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 November 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary November 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Ohio RANK: 17 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2014 2.47% 1.76% 4.8 YEAR AGO 2.90% 2.71% 7.1 YEAR-OVER-YEAR CHANGE -14.6% -35.0% -2.3 Top County MEIGS COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 4.37% 4.11% YEAR AGO 5.05% 3.34% YEAR-OVER-YEAR CHANGE -13.4% 23.1% Top Core-Based Statistical Area ASHTABULA, OH 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 3.32% 3.48% YEAR AGO 4.04% 5.01% YEAR-OVER-YEAR CHANGE -17.8% -30.6% 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 November 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary November 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. IN THE NEWS OCC Releases Performance Evaluations for 30 Financial Institutions; Two Rated 'Outstanding' e Office of the Comptroller of the Cur- rency (OCC) released its list of Community Reinvestment Act (CRA) performance evalu- ations that were made public during December 2014 for 30 financial institutions. e 30 financial institutions that received ratings from the OCC that became pub- lic during December were national banks, federal savings associations, and insured federal branches of foreign banks that have received ratings. e four possible ratings were outstanding, satisfactory, needs to improve, and substantial noncompliance, according to the OCC. Two of the 30 financial institutions received a rating of outstanding: Van Wert Federal Sav- ings Bank, a small bank in Van Wert, Ohio; and Icon Bank of Texas, N.A., an intermediate small bank located in Houston. Twenty-eight of the financial institutions evaluated received a rating of satisfactory. None of the institu- tions received ratings of needs to improve or substantial non-compliance. A searchable list of all public CRA evalua- tions can be found on the OCC's website. e CRA was first enacted by Congress in 1977 and revised in both 1995 and 2005. Its purpose is to "encourage depository institutions to help meet the credit needs of the communi- ties in which they operate, including low- and moderate-income neighborhoods, consistent with safe and sound operations," according to the U.S. Federal Reserve Board website. South Dakota RANK: 39 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2014 0.92% 0.73% 3.3 YEAR AGO 0.95% 0.93% 3.6 YEAR-OVER-YEAR CHANGE -3.0% -21.4% -0.3 Top County MCCOOK COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 2.07% 4.18% YEAR AGO 2.16% 4.09% YEAR-OVER-YEAR CHANGE -4.1% 2.1% Top Core-Based Statistical Area RAPID CITY, SD 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 1.14% 0.94% YEAR AGO 0.99% 1.05% YEAR-OVER-YEAR CHANGE 15.0% -10.3% 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 November 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary November 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Wisconsin RANK: 28 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2014 2.19% 1.26% 5.2 YEAR AGO 2.43% 1.86% 6.3 YEAR-OVER-YEAR CHANGE -9.7% -32.5% -1.1 Top County CRAWFORD COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 3.23% 4.15% YEAR AGO 4.79% 3.59% YEAR-OVER-YEAR CHANGE -32.7% 15.5% Top Core-Based Statistical Area WISCONSIN RAPIDS-MARSHFIELD, WI 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 1.80% 1.86% YEAR AGO 2.01% 2.02% YEAR-OVER-YEAR CHANGE -10.1% -8.0% 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 November 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary November 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. The 27,698 completed foreclosures in Ohio for the 12-month period ending December 31, 2014,were second among judicial states behind only Florida and fifth among all states, according to CoreLogic. KNOW THIS