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90 Protection Bureau's new servicing rules that went into effect in January 2014. "In regards to default servicing, the CFPB is primarily concerned with ensuring borrow- ers have a transparent, consistent, and non- discriminatory experience and are ultimately provided with a decision on their loan workout request in a timely manner," said Karl Falk, CEO of ShortSave. "By capturing data at the point of entry, ShortSave enables servicers to provide distressed borrowers with a more desirable experience and a decision significantly faster than is possible through traditional loss mitigation process available today." To enhance the ShortSave borrower experience, the company has added auto fill capabilities for the Request for Modification and Affidavit (RMA) and any lender-specific documentation. e enhancements allow borrowers to use their touch-enabled device to provide supporting documentation and sign the RMA. Borrowers can also receive updates and communicate required actions via text and email. "Engagement and success rates with de- faulted borrowers are abysmal because defaulted borrowers don't want traditional customer service," Falk said. "Furthermore, the process and paperwork is complicated and confusing. Borrowers just want an answer, and they don't want to talk with anyone to do it. By removing the human element from the customer service process, pick-up and pull-through rates increase dramatically." Montana RANK: 41 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate APRIL 2015 0.92% 0.69% 4 YEAR AGO 1.03% 0.96% 4.7 YEAR-OVER-YEAR CHANGE -10.7% -28.2% -0.7 Top County LINCOLN COUNTY 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 1.18% 2.32% YEAR AGO 1.15% 2.46% YEAR-OVER-YEAR CHANGE 2.1% -5.5% Top Core-Based Statistical Area BUTTE-SILVER BOW, MT 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 1.40% 0.98% YEAR AGO 1.00% 1.37% YEAR-OVER-YEAR CHANGE 40.1% -27.9% 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. Nevada RANK: 10 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate APRIL 2015 2.57% 2.05% 7.1 YEAR AGO 3.92% 2.35% 8.1 YEAR-OVER-YEAR CHANGE -34.6% -13.0% -1 Top County NYE COUNTY 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 2.84% 3.56% YEAR AGO 3.81% 4.07% YEAR-OVER-YEAR CHANGE -25.4% -12.4% Top Core-Based Statistical Area PAHRUMP, NV 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 2.84% 3.56% YEAR AGO 3.81% 4.07% YEAR-OVER-YEAR CHANGE -25.4% -12.4% 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. Hawaii RANK: 3 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate APRIL 2015 1.87% 3.31% 4.1 YEAR AGO 2.06% 4.53% 4.5 YEAR-OVER-YEAR CHANGE -9.0% -26.8% -0.4 Top County HAWAII COUNTY 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 2.37% 5.95% YEAR AGO 2.41% 8.03% YEAR-OVER-YEAR CHANGE -1.9% -25.8% Top Core-Based Statistical Area HILO, HI 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 2.37% 5.95% YEAR AGO 2.41% 8.03% YEAR-OVER-YEAR CHANGE -1.9% -25.8% 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. Idaho RANK: 31 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate APRIL 2015 0.99% 1.00% 3.8 YEAR AGO 1.38% 1.42% 4.9 YEAR-OVER-YEAR CHANGE -28.5% -29.5% -1.1 Top County JEROME COUNTY 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 2.33% 3.07% YEAR AGO 3.24% 2.05% YEAR-OVER-YEAR CHANGE -28.0% 49.4% Top Core-Based Statistical Area ONTARIO, OR-ID 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 1.40% 2.10% YEAR AGO 2.09% 2.25% YEAR-OVER-YEAR CHANGE -32.9% -6.7% 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. The number of cumulative bankruptcy filings in Colorado for the first five months of 2015, ranking 22nd among states. California was first with 35,965. Source: AACER bankruptcy data reported by Epiq Systems. STAT INSIGHT 6,069