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» VISIT US ONLINE @ DSNEWS.COM 85 ized access), availability (data centers are available for use as agreed), integrity (data is secure and protected from unauthorized changes), privacy (the proper physical and cybersecurity to protect the non-public per- sonal information of clients), policies (policies that govern the processes by which the firm ensures safety of client information, including IT, hiring, HR, and trust account manage- ment policies, have been developed and put into place), and monitoring (a robust real- time system of monitoring all IT activity). "With our successful completion of certi- fication, we are able to provide our customers and industry partners with greater insights into our controls, procedures, and systems for our HED and closing operation as well as our REO and loss mitigation practice," Kosofsky said. Oklahoma RANK: 14 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate MARCH 2015 1.71% 1.95% 3.9 YEAR AGO 2.09% 2.26% 4.8 YEAR-OVER-YEAR CHANGE -18.4% -13.9% -0.9 Top County ADAIR COUNTY 90+ Day Foreclosure Delinquency Rate Rate MARCH 2015 3.54% 7.14% YEAR AGO 2.85% 6.44% YEAR-OVER-YEAR CHANGE 24.3% 10.9% Top Core-Based Statistical Area MCALESTER, OK 90+ Day Foreclosure Delinquency Rate Rate MARCH 2015 1.80% 5.21% YEAR AGO 3.06% 4.15% YEAR-OVER-YEAR CHANGE -41.3% 25.5% 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. South Carolina RANK: 20 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate MARCH 2015 2.00% 1.70% 6.7 YEAR AGO 2.41% 2.16% 6.1 YEAR-OVER-YEAR CHANGE -17.1% -21.2% 0.6 Top County DILLON COUNTY 90+ Day Foreclosure Delinquency Rate Rate MARCH 2015 4.33% 5.23% YEAR AGO 4.80% 5.28% YEAR-OVER-YEAR CHANGE -9.8% -0.9% Top Core-Based Statistical Area ORANGEBURG, SC 90+ Day Foreclosure Delinquency Rate Rate MARCH 2015 4.58% 3.25% YEAR AGO 4.70% 4.08% YEAR-OVER-YEAR CHANGE -2.5% -20.3% 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 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. Tennessee RANK: 36 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate MARCH 2015 2.67% 0.86% 6.3 YEAR AGO 3.30% 0.98% 6.4 YEAR-OVER-YEAR CHANGE -18.8% -12.2% -0.1 Top County GRUNDY COUNTY 90+ Day Foreclosure Delinquency Rate Rate MARCH 2015 3.56% 2.38% YEAR AGO 2.99% 1.84% YEAR-OVER-YEAR CHANGE 19.1% 29.5% Top Core-Based Statistical Area NEWPORT, TN 90+ Day Foreclosure Delinquency Rate Rate MARCH 2015 3.17% 1.78% YEAR AGO 3.37% 1.70% YEAR-OVER-YEAR CHANGE -5.9% 4.4% 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 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. THE LEADER IN DEFAULT SERVICING NEWS Help shape the next issue of DS News. Drop us a line at Editor@DSNews.com. North Carolina's serious delinquency rate (3.3 percent) and foreclosure inventory rate (0.8 percent) for March were both below the national averages of 3.9 percent and 1.4 percent, according to CoreLogic. KNOW THIS

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