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114 Ohio RANK: 20 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JUNE 2015 2.01% 1.67% 5.2 YEAR AGO 2.57% 2.10% 5.6 YEAR-OVER-YEAR CHANGE -22.0% -20.6% -0.4 Top County MEIGS COUNTY 90+ Day Foreclosure Delinquency Rate Rate JUNE 2015 1.51% 4.45% YEAR AGO 4.03% 3.54% YEAR-OVER-YEAR CHANGE -62.6% 25.6% Top Core-Based Statistical Area BUCYRUS, OH 90+ Day Foreclosure Delinquency Rate Rate JUNE 2015 2.49% 3.56% YEAR AGO 3.91% 2.71% YEAR-OVER-YEAR CHANGE -36.4% 31.7% 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 June 2015 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary June 2015 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. South Dakota RANK: 39 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JUNE 2015 0.72% 0.74% 3.8 YEAR AGO 0.99% 0.67% 3.4 YEAR-OVER-YEAR CHANGE -27.9% 10.6% 0.4 Top County MCCOOK COUNTY 90+ Day Foreclosure Delinquency Rate Rate JUNE 2015 0.89% 2.25% YEAR AGO 0.81% 3.79% YEAR-OVER-YEAR CHANGE 9.7% -40.7% Top Core-Based Statistical Area SPEARFISH, SD 90+ Day Foreclosure Delinquency Rate Rate JUNE 2015 0.39% 1.06% YEAR AGO 1.00% 0.19% YEAR-OVER-YEAR CHANGE -60.8% 472.7% 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 June 2015 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary June 2015 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Wisconsin RANK: 29 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate JUNE 2015 1.69% 1.28% 4.6 YEAR AGO 2.19% 1.41% 5.4 YEAR-OVER-YEAR CHANGE -22.8% -8.7% -0.8 Top County CLARK COUNTY 90+ Day Foreclosure Delinquency Rate Rate JUNE 2015 2.09% 3.54% YEAR AGO 2.85% 2.73% YEAR-OVER-YEAR CHANGE -26.7% 29.6% Top Core-Based Statistical Area WISCONSIN RAPIDS-MARSHFIELD, WI 90+ Day Foreclosure Delinquency Rate Rate JUNE 2015 1.64% 2.07% YEAR AGO 1.82% 2.07% YEAR-OVER-YEAR CHANGE -9.9% -0.2% 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 June 2015 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary June 2015 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. IN THE NEWS Freddie Mac's 'Take Root' Programs Have Been Successful in Hardest-Hit Areas Freddie Mac's Take Root program in Milwaukee, one of the areas hit hardest by the foreclosure crisis, has resulted in more than 16,400 low- to moderate-income residents being able to buy or fix a home, strengthen finances, or avoid foreclosure, according to an announcement on Freddie Mac's blog. e Take Root Milwaukee program is one of three such programs Freddie Mac launched in the wake of the housing crisis. e other two are in Chicago and South Florida, which were two areas also hit hard by foreclosures. Freddie Mac launched Take Root Mil- waukee five years ago, at the height of the foreclosure wave, with the idea that govern- ment agencies, financial institutions, and the real estate industry could unite to protect residential neighborhoods by forming a single network that residents can contact with one click or phone number. e program's hotline, which can be reached at (414) 921-4149, and website connect, on average per month, more than 1,400 resi- dents to professionals and resources provided by 32 member organizations, according to Freddie Mac. "Take Root Milwaukee's success gives communities everywhere a road map for giving consumers a one-stop resource for buying, financing, and owning a home," said Danny Gardner, single-family VP of affordable lend- ing and access to credit at Freddie Mac. "Fred- die Mac is proud to be a part of Take Root and to move housing forward in Milwaukee." In five years since Take Root Milwaukee was launched, the program has provided homebuyer and foreclosure prevention resourc- es, information, and assistance to 15,984 indi- viduals; provided more than 12,700 individuals and families with homebuyer education and counseling; and helped more than 2,600 first- time buyers purchase a home, according to Freddie Mac. About 31 percent of those first- time buyers purchased a foreclosed home that helped stabilize Milwaukee neighborhoods. Also in the last five years, lending in minority neighborhoods has increased by 78 percent and increased in low- to moderate- income neighborhoods by 37 percent. "Take Root is a success on many levels. It has united government, the real estate indus- try, and financial institutions in the collabora- tive effort to limit the damage of residential foreclosures on Milwaukee," Milwaukee Mayor Tom Barrett said. "And its ongoing work positively affects individuals, neighbor- hoods, and our entire city." Wisconsin's rank among states for percentage of residential mortgages (7.3 percent) that were underwater as of the end of May 2015. This percentage calculated to about 39,000 mortgages. Source: Black Knight Financial Services STAT INSIGHT 9th