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» VISIT US ONLINE @ DSNEWS.COM 89 Colorado RANK: 52 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate APRIL 2015 0.91% 0.43% 4.2 YEAR AGO 1.24% 0.59% _ YEAR-OVER-YEAR CHANGE -26.7% -27.0% -1.2 Top County HUERFANO COUNTY 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 0.95% 2.80% YEAR AGO 1.69% 1.23% YEAR-OVER-YEAR CHANGE -43.8% 128.4% Top Core-Based Statistical Area CRAIG, CO 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 1.94% 1.98% YEAR AGO 1.56% 0.84% YEAR-OVER-YEAR CHANGE 23.9% 135.5% 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 THE NEWS GuardianDocs Completes Seamless Integration With Calyx Software Document preparation service Guardian- Docs, a division of Denver, Colorado-based domestic-based end-to-end mortgage services provider LenderLive Network, is seamlessly integrated with Calyx Software, a Dallas, Texas-based mortgage solutions provider for banks, credit unions, mortgage bankers, and brokers, according to an announcement from LenderLive Network. e transition allows users of Calyx Point to order and complete initial disclosures and clos- ing packages without leaving Point. Guardian- Docs has created a complete interface for Calyx Point (using Calyx's DirectConnect integration portal) to streamline the ordering process and support the generation and fulfillment of ap- plication disclosures and the closing package. With the new interface, users no longer have to log out of the loan originating system (LOS) to re-key information critical to completing the document order on another website. All data is transferred to GuardianDocs when it lenders order disclosures and closing documents within Calyx Point. If no data is missing, documents come back complete and are instantly placed in Calyx's eLoan file document repository. Lenders who have used the new Guardian Docs-Calyx Point interface say the entire ordering process takes three to four minutes – a reduction of at least 60 min- utes per file when compared with those using a partial interface. "Data integrity is essential to create compli- ant documents and to have a true system of record; the LOS should house the source data, rather than your doc provider's website. is will take on even greater importance in the new TRID environment," said Jonathan Kunkle, president of GuardianDocs. "Our partnership with Calyx has allowed us to build a Direct- Connect interface that streamlines document ordering and management, removes duplicative data entry, and eliminates steps that can create errors. As a result, users will see significant productivity gains and have greater assurance of compliance." Using the new interface, if data required to prepare the documents is missing, the lender is alerted via integrated messaging that data is missing, and they are able to enter it in the mes- saging utility of the Calyx system. "GuardianDocs has developed the tightest integration of any vendor using our Direct- Connect platform," said Dennis Boggs, EVP of business development for Calyx. "We are pleased to work with a cutting-edge document services and technology provider like Guardian- Docs to build an advanced interface that allows our lender clients to order and complete their initial disclosures and closing packages without ever having to leave our system." 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. Colorado's foreclosure inventory rate for May 2015, more than a full percentage point below the national rate for the month of 1.5 percent. Source: Black Knight Financial Services STAT INSIGHT 0.4%

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