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82 Illinois RANK: 11 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2014 2.27% 2.08% 6.2 YEAR AGO 2.69% 3.37% 8.9 YEAR-OVER-YEAR CHANGE -15.5% -38.2% -2.7 Top County HANCOCK COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 4.35% 9.10% YEAR AGO 5.60% 5.92% YEAR-OVER-YEAR CHANGE -22.4% 53.6% Top Core-Based Statistical Area LINCOLN, IL 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 2.64% 4.27% YEAR AGO 3.85% 6.15% YEAR-OVER-YEAR CHANGE -31.6% -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. Rhode Island RANK: 16 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2014 3.93% 1.85% 6.8 YEAR AGO 3.99% 2.79% 9.3 YEAR-OVER-YEAR CHANGE -1.5% -33.8% -2.5 Top County PROVIDENCE COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 4.85% 2.31% YEAR AGO 4.96% 3.33% YEAR-OVER-YEAR CHANGE -2.1% -30.6% Top Core-Based Statistical Area PROVIDENCE-WARWICK, RI-MA 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 4.07% 2.04% YEAR AGO 3.99% 2.79% YEAR-OVER-YEAR CHANGE 2.1% -27.0% 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. Vermont RANK: 9 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2014 1.75% 2.10% 4.2 YEAR AGO 1.87% 2.99% 4.2 YEAR-OVER-YEAR CHANGE -6.4% -29.6% 0 Top County GRAND ISLE COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 1.98% 5.02% YEAR AGO 2.88% 4.88% YEAR-OVER-YEAR CHANGE -31.3% 3.0% Top Core-Based Statistical Area RUTLAND, VT 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 2.21% 2.94% YEAR AGO 2.57% 4.33% YEAR-OVER-YEAR CHANGE -13.8% -32.1% 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. Indiana RANK: 18 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate NOVEMBER 2014 2.57% 1.77% 5.8 YEAR AGO 2.92% 2.39% 6.8 YEAR-OVER-YEAR CHANGE -11.9% -25.9% -1 Top County OHIO COUNTY 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 2.12% 4.94% YEAR AGO 2.31% 4.02% YEAR-OVER-YEAR CHANGE -8.0% 22.9% Top Core-Based Statistical Area FRANKFORT, IN 90+ Day Foreclosure Delinquency Rate Rate NOVEMBER 2014 3.51% 3.72% YEAR AGO 3.88% 3.73% YEAR-OVER-YEAR CHANGE -9.5% -0.0% 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. IN THE NEWS Indiana AG Urges Lawmakers Not to Eliminate Foreclosure 'Settlement Conferences' Indiana Attorney General Greg Zoeller is trying to stop legislation that would eliminate a consumer protection known as the "settle- ment conference," which is a homeowner's final recourse before his or her home goes to foreclosure, according to an announcement on Zoeller's website. So far, the proposal has not received sufficient discussion or debate in committee or floor sessions, according to Zoeller. He urged Indiana lawmakers to stop the proposal before it gets any further in order to keep the settlement conference intact as a consumer option to avoid foreclosure and help them stay in their homes. "After the foreclosure crisis exposed the unethical practices of major mortgage servicers, my office worked extremely hard in our multistate investigation against five major banks to create new consumer protections for distressed homeowners," Zoeller said. "e right created by law to a court-supervised settlement conference and face-to-face meet- ing between borrowers and lenders has helped thousands of distressed homeowners work out plans to avoid foreclosures. We will aggres- sively oppose any attempt by the bankers' lobby to roll back the clock and take away this crucial protection." e Indiana AG's office, which has long been involved in protecting the state's consumers when it comes to foreclosures and foreclosure prevention, participated in the multistate investigation of five major financial institutions in 2010 over "robo-signing" prac- tices on foreclosure documents that in part precipitated the foreclosure crisis. ose five servicers reached a settlement worth $25 bil- lion in 2012, and the state of Indiana received $28.8 million from that settlement. e AG's office also helped bring the settlement confer- ence into widespread use in 2010 and 2011 as a result of teaming with the Indiana Supreme Court task force to develop the Mortgage Foreclosure Best Practices. Under the current format of the settlement conference, distressed borrowers meet face-to- face with mortgagees, supervised by the court,

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