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The Bureau Effect: The New Default Process

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80 Minnesota RANK: 50 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate MARCH 2015 0.95% 0.52% 3.7 YEAR AGO 1.28% 0.65% 4.4 YEAR-OVER-YEAR CHANGE -25.8% -20.9% -0.7 Top County PIPESTONE COUNTY 90+ Day Foreclosure Delinquency Rate Rate MARCH 2015 0.67% 2.87% YEAR AGO 2.26% 2.64% YEAR-OVER-YEAR CHANGE -70.4% 8.5% Top Core-Based Statistical Area ALBERT LEA, MN 90+ Day Foreclosure Delinquency Rate Rate MARCH 2015 1.34% 1.38% YEAR AGO 2.25% 1.58% YEAR-OVER-YEAR CHANGE -40.3% -13.0% 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 March 2015 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary March 2015 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Minnesota www.MinnesotaREO.com 612-669-6324 952-829-2938 763-432-7640 612-821-7500 952-844-1511 763-533-9133 651-209-8444 Bruce McAlpin Jeff Detloff Long H. Doan Maribel Garcia Garth Johnson Craig Murphy Michael Olsen Missouri RANK: 37 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate MARCH 2015 1.86% 0.80% 5.6 YEAR AGO 2.31% 0.88% 6.4 YEAR-OVER-YEAR CHANGE -19.5% -9.8% -0.8 Top County MISSISSIPPI COUNTY 90+ Day Foreclosure Delinquency Rate Rate MARCH 2015 4.30% 3.16% YEAR AGO 4.23% 3.42% YEAR-OVER-YEAR CHANGE 1.6% -7.6% Top Core-Based Statistical Area KENNETT, MO 90+ Day Foreclosure Delinquency Rate Rate MARCH 2015 1.91% 2.37% YEAR AGO 3.06% 0.72% YEAR-OVER-YEAR CHANGE -37.7% 231.8% 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 March 2015 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary March 2015 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Nebraska RANK: 48 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate MARCH 2015 1.29% 0.56% 2.6 YEAR AGO 1.58% 0.65% 3.4 YEAR-OVER-YEAR CHANGE -18.2% -13.8% -0.8 Top County BURT COUNTY 90+ Day Foreclosure Delinquency Rate Rate MARCH 2015 3.19% 2.03% YEAR AGO 5.83% 0.93% YEAR-OVER-YEAR CHANGE -45.2% 117.7% Top Core-Based Statistical Area SCOTTSBLUFF, NE 90+ Day Foreclosure Delinquency Rate Rate MARCH 2015 1.46% 1.41% YEAR AGO 0.96% 1.44% YEAR-OVER-YEAR CHANGE 51.7% -1.7% 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 March 2015 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary March 2015 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. North Dakota RANK: 49 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate MARCH 2015 0.41% 0.54% 3.1 YEAR AGO 0.54% 0.66% 2.7 YEAR-OVER-YEAR CHANGE -23.7% -18.8% 0.4 Top County TRAILL COUNTY 90+ Day Foreclosure Delinquency Rate Rate MARCH 2015 0.48% 2.14% YEAR AGO 0.74% 1.10% YEAR-OVER-YEAR CHANGE -34.7% 93.7% Top Core-Based Statistical Area WAHPETON, ND-MN 90+ Day Foreclosure Delinquency Rate Rate MARCH 2015 0.88% 0.86% YEAR AGO 0.96% 0.60% YEAR-OVER-YEAR CHANGE -8.1% 44.2% 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 March 2015 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary March 2015 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Ohio RANK: 18 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate MARCH 2015 2.13% 1.74% 5.1 YEAR AGO 2.68% 2.40% 6 YEAR-OVER-YEAR CHANGE -20.4% -27.6% -0.9 Top County ASHTABULA COUNTY 90+ Day Foreclosure Delinquency Rate Rate MARCH 2015 2.88% 3.68% YEAR AGO 3.36% 4.74% YEAR-OVER-YEAR CHANGE -14.3% -22.5% Top Core-Based Statistical Area ASHTABULA, OH 90+ Day Foreclosure Delinquency Rate Rate MARCH 2015 2.88% 3.68% YEAR AGO 3.36% 4.74% YEAR-OVER-YEAR CHANGE -14.3% -22.5% 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 March 2015 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary March 2015 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. In April 2015, there were 2.17 bankruptcy filings for every 1,000 people in Minnesota, ranking the state 31st in bankruptcy filings per capita, according to AACER bankruptcy data reported by Epiq Systems. KNOW THIS

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