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HOUSING MARKET CONDITIONS | MARCH 2013 Arkansas Seriously Delinquent Mortgages by Zip Code MARCH 2013 In March 2013, 6.23 percent of loans in Arkansas were seriously delinquent (delinquent 90 days or more, or in foreclosure). The national rate stood at 6.46 percent. INSUFFICIENT DATA 0%-2% 2%-4% 4%-6% 6%-8% 8%-10% 10%-12% 12% OR MORE Source: Lender Processing Services Change in Seriously Delinquent Mortgages by Zip Code DECEMBER 2012 TO MARCH 2013 The share of seriously delinquent loans decreased 13 basis points (bps) in Arkansas between December 2012 and March 2013. Loans that were delinquent 90 days or more decreased 46 bps; foreclosures increased 34 bps. INSUFFICIENT DATA DOWN -2% OR MORE -2%-0% 0%-2% 2%-4% 4%-6% 6%-8% UP 8% OR MORE Source: Lender Processing Services HOUSING MARKET CONDITIONS | MARCH 2013 Arkansas Top 10 Zip Codes with Mortgages Under Stress MARCH 2013 Zip Code CBSA or County Seriously Delinquent Mortgages 72209 Little Rock-North Little Rock-Conway, AR 16.6% 72204 Little Rock-North Little Rock-Conway, AR 13.3% 72114 Little Rock-North Little Rock-Conway, AR 12.2% 72301 Memphis, TN-MS-AR 12.2% 72370 Blytheville, AR 11.1% 72117 Little Rock-North Little Rock-Conway, AR 11.1% 72103 Little Rock-North Little Rock-Conway, AR 11.0% 71601 Pine Bluff, AR 10.7% 72734 Fayetteville-Springdale-Rogers, AR-MO 10.6% 72206 Little Rock-North Little Rock-Conway, AR 10.2% Note: Zip codes with less than 0.15% of total loans in the state were not included in this analysis. For the state of Arkansas, the cuttoff is 379. Source: Lender Processing Services House Prices FIRST QUARTER 2013 In the first quarter of 2013, house prices in Arkansas were 1.7 percent higher than in the fourth quarter of 2012 and 5.5 percent higher than in the first quarter of 2012. Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI HOUSING MARKET CONDITIONS | MARCH 2013 Illinois Seriously Delinquent Mortgages by Zip Code MARCH 2013 In March 2013, 8.41 percent of loans in Illinois were seriously delinquent (delinquent 90 days or more, or in foreclosure). The national rate stood at 6.46 percent. INSUFFICIENT DATA 0%-2% 2%-4% 4%-6% 6%-8% 8%-10% 10%-12% 12% OR MORE Source: Lender Processing Services Change in Seriously Delinquent Mortgages by Zip Code DECEMBER 2012 TO MARCH 2013 The share of seriously delinquent loans decreased 42 basis points (bps) in Illinois between December 2012 and March 2013. Loans that were delinquent 90 days or more decreased 16 bps; foreclosures decreased 26 bps. INSUFFICIENT DATA DOWN -2% OR MORE -2%-0% 0%-2% 2%-4% 4%-6% 6%-8% UP 8% OR MORE Source: Lender Processing Services HOUSING MARKET CONDITIONS | MARCH 2013 Illinois Top 10 Zip Codes with Mortgages Under Stress MARCH 2013 Zip Code CBSA or County Seriously Delinquent Mortgages 60636 Chicago-Joliet-Naperville, IL-IN-WI 26.3% 60153 Chicago-Joliet-Naperville, IL-IN-WI 25.1% 60466 Chicago-Joliet-Naperville, IL-IN-WI 23.9% 60419 Chicago-Joliet-Naperville, IL-IN-WI 23.8% 60426 Chicago-Joliet-Naperville, IL-IN-WI 23.7% 60409 Chicago-Joliet-Naperville, IL-IN-WI 23.3% 60827 Chicago-Joliet-Naperville, IL-IN-WI 23.3% 60478 Chicago-Joliet-Naperville, IL-IN-WI 22.2% 60644 Chicago-Joliet-Naperville, IL-IN-WI 22.1% 60104 Chicago-Joliet-Naperville, IL-IN-WI 21.2% Note: Zip codes with less than 0.15% of total loans in the state were not included in this analysis. For the state of Illinois, the cuttoff is 2116. Source: Lender Processing Services House Prices FIRST QUARTER 2013 In the first quarter of 2013, house prices in Illinois were 0.9 percent higher than in the fourth quarter of 2012 and 0.5 percent higher than in the first quarter of 2012. Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI HOUSING MARKET CONDITIONS | MARCH 2013 Indiana Seriously Delinquent Mortgages by Zip Code MARCH 2013 In March 2013, 6.46 percent of loans in Indiana were seriously delinquent (delinquent 90 days or more, or in foreclosure). The national rate also stood at 6.46 percent. INSUFFICIENT DATA 0%-2% 2%-4% 4%-6% 6%-8% 8%-10% 10%-12% 12% OR MORE Source: Lender Processing Services Change in Seriously Delinquent Mortgages by Zip Code DECEMBER 2012 TO MARCH 2013 The share of seriously delinquent loans decreased 26 basis points (bps) in Indiana between December 2012 and March 2013. Loans that were delinquent 90 days or more decreased 16 bps; foreclosures decreased 11 bps. INSUFFICIENT DATA DOWN -2% OR MORE -2%-0% 0%-2% 2%-4% 4%-6% 6%-8% UP 8% OR MORE Source: Lender Processing Services HOUSING MARKET CONDITIONS | MARCH 2013 Indiana Top 10 Zip Codes with Mortgages Under Stress MARCH 2013 Zip Code CBSA or County Seriously Delinquent Mortgages 46404 Chicago-Joliet-Naperville, IL-IN-WI 17.0% 46408 Chicago-Joliet-Naperville, IL-IN-WI 15.4% 46235 Indianapolis-Carmel, IN 14.7% 46403 Chicago-Joliet-Naperville, IL-IN-WI 13.4% 46405 Chicago-Joliet-Naperville, IL-IN-WI 13.0% 46312 Chicago-Joliet-Naperville, IL-IN-WI 12.5% 46218 Indianapolis-Carmel, IN 12.5% 46327 Chicago-Joliet-Naperville, IL-IN-WI 12.3% 46016 Anderson, IN 12.3% 46410 Chicago-Joliet-Naperville, IL-IN-WI 12.2% Note: Zip codes with less than 0.15% of total loans in the state were not included in this analysis. For the state of Indiana, the cuttoff is 998. Source: Lender Processing Services House Prices FIRST QUARTER 2013 In the first quarter of 2013, house prices in Indiana were 0.7 percent higher than in the fourth quarter of 2012 and 3.1 percent higher than in the first quarter of 2012. Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI HOUSING MARKET CONDITIONS | MARCH 2013 Kentucky Seriously Delinquent Mortgages by Zip Code MARCH 2013 In March 2013, 5.12 percent of loans in Kentucky were seriously delinquent (delinquent 90 days or more, or in foreclosure). The national rate stood at 6.46 percent. INSUFFICIENT DATA 0%-2% 2%-4% 4%-6% 6%-8% 8%-10% 10%-12% 12% OR MORE Source: Lender Processing Services Change in Seriously Delinquent Mortgages by Zip Code DECEMBER 2012 TO MARCH 2013 The share of seriously delinquent loans decreased 14 basis points (bps) in Kentucky between December 2012 and March 2013. Loans that were delinquent 90 days or more decreased 13 bps; foreclosures decreased 14 bps. INSUFFICIENT DATA DOWN -2% OR MORE -2%-0% 0%-2% 2%-4% 4%-6% 6%-8% UP 8% OR MORE Source: Lender Processing Services HOUSING MARKET CONDITIONS | MARCH 2013 Kentucky Top 10 Zip Codes with Mortgages Under Stress MARCH 2013 Zip Code CBSA or County Seriously Delinquent Mortgages 42262 Clarksville, TN-KY 13.9% 40211 Louisville/Jefferson County, KY-IN 12.7% 41014 Cincinnati-Middletown, OH-KY-IN 12.1% 40210 Louisville/Jefferson County, KY-IN 11.8% 40212 Louisville/Jefferson County, KY-IN 11.6% 41016 Cincinnati-Middletown, OH-KY-IN 10.5% 40215 Louisville/Jefferson County, KY-IN 9.5% 42501 Somerset, KY 9.0% 41035 Cincinnati-Middletown, OH-KY-IN 8.7% 40216 Louisville/Jefferson County, KY-IN 8.7% Note: Zip codes with less than 0.15% of total loans in the state were not included in this analysis. For the state of Kentucky, the cuttoff is 543. Source: Lender Processing Services House Prices FIRST QUARTER 2013 In the first quarter of 2013, house prices in Kentucky were 1.0 percent higher than in the fourth quarter of 2012 and 2.3 percent higher than in the first quarter of 2012. Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI HOUSING MARKET CONDITIONS | MARCH 2013 Mississippi Seriously Delinquent Mortgages by Zip Code MARCH 2013 In March 2013, 8.11 percent of loans in Mississippi were seriously delinquent (delinquent 90 days or more, or in foreclosure). The national rate stood at 6.46 percent. INSUFFICIENT DATA 0%-2% 2%-4% 4%-6% 6%-8% 8%-10% 10%-12% 12% OR MORE Source: Lender Processing Services Change in Seriously Delinquent Mortgages by Zip Code DECEMBER 2012 TO MARCH 2013 The share of seriously delinquent loans decreased 33 basis points (bps) in Mississippi between December 2012 and March 2013. Loans that were delinquent 90 days or more decreased 23 bps; foreclosures decreased 11 bps. INSUFFICIENT DATA DOWN -2% OR MORE -2%-0% 0%-2% 2%-4% 4%-6% 6%-8% UP 8% OR MORE Source: Lender Processing Services HOUSING MARKET CONDITIONS | MARCH 2013 Mississippi Top 10 Zip Codes with Mortgages Under Stress MARCH 2013 Zip Code CBSA or County Seriously Delinquent Mortgages 39204 Jackson, MS 17.6% 39212 Jackson, MS 16.4% 38676 Memphis, TN-MS-AR 14.9% 38703 Cleveland, MS 14.9% 39059 Jackson, MS 14.6% 39563 Pascagoula, MS 14.6% 39272 Jackson, MS 13.8% 39083 Jackson, MS 13.6% 38751 Indianola, MS 13.4% 38637 Memphis, TN-MS-AR 13.3% Note: Zip codes with less than 0.15% of total loans in the state were not included in this analysis. For the state of Mississippi, the cuttoff is 245. Source: Lender Processing Services House Prices FIRST QUARTER 2013 In the first quarter of 2013, house prices in Mississippi were 0.3 percent lower than in the fourth quarter of 2012 and 0.2 percent lower than in the first quarter of 2012. Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI HOUSING MARKET CONDITIONS | MARCH 2013 Missouri Seriously Delinquent Mortgages by Zip Code MARCH 2013 In March 2013, 4.01 percent of loans in Missouri were seriously delinquent (delinquent 90 days or more, or in foreclosure). The national rate stood at 6.46 percent. INSUFFICIENT DATA 0%-2% 2%-4% 4%-6% 6%-8% 8%-10% 10%-12% 12% OR MORE Source: Lender Processing Services Change in Seriously Delinquent Mortgages by Zip Code DECEMBER 2012 TO MARCH 2013 The share of seriously delinquent loans decreased 8 basis points (bps) in Missouri between December 2012 and March 2013. Loans that were delinquent 90 days or more decreased 16 bp; foreclosures increased 8 bps. INSUFFICIENT DATA DOWN -2% OR MORE -2%-0% 0%-2% 2%-4% 4%-6% 6%-8% UP 8% OR MORE Source: Lender Processing Services HOUSING MARKET CONDITIONS | MARCH 2013 Missouri Top 10 Zip Codes with Mortgages Under Stress MARCH 2013 Zip Code CBSA or County Seriously Delinquent Mortgages 63136 St. Louis, MO-IL 13.2% 63138 St. Louis, MO-IL 13.2% 63115 St. Louis, MO-IL 12.6% 63137 St. Louis, MO-IL 12.6% 64130 Kansas City, MO-KS 12.4% 63147 St. Louis, MO-IL 12.0% 64132 Kansas City, MO-KS 11.0% 63134 St. Louis, MO-IL 10.8% 63121 St. Louis, MO-IL 10.5% 64134 Kansas City, MO-KS 10.3% Note: Zip codes with less than 0.15% of total loans in the state were not included in this analysis. For the state of Missouri, the cuttoff is 989. Source: Lender Processing Services House Prices FIRST QUARTER 2013 In the first quarter of 2013, house prices in Missouri were 0.7 percent lower than in the fourth quarter of 2012 and 0.7 percent higher than in the first quarter of 2012. Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI HOUSING MARKET CONDITIONS | MARCH 2013 Tennessee Seriously Delinquent Mortgages by Zip Code MARCH 2013 In March 2013, 5.32 percent of loans in Tennessee were seriously delinquent (delinquent 90 days or more, or in foreclosure). The national rate stood at 6.46 percent. INSUFFICIENT DATA 0%-2% 2%-4% 4%-6% 6%-8% 8%-10% 10%-12% 12% OR MORE Source: Lender Processing Services Change in Seriously Delinquent Mortgages by Zip Code DECEMBER 2012 TO MARCH 2013 The share of seriously delinquent loans decreased 13 basis points (bps) in Tennessee between December 2012 and March 2013. Loans that were delinquent 90 days or more decreased 19 bps; foreclosures increased 6 bps. INSUFFICIENT DATA DOWN -2% OR MORE -2%-0% 0%-2% 2%-4% 4%-6% 6%-8% UP 8% OR MORE Source: Lender Processing Services HOUSING MARKET CONDITIONS | MARCH 2013 Tennessee Top 10 Zip Codes with Mortgages Under Stress MARCH 2013 Zip Code CBSA or County Seriously Delinquent Mortgages 38118 Memphis, TN-MS-AR 19.4% 38109 Memphis, TN-MS-AR 17.5% 38106 Memphis, TN-MS-AR 16.6% 38127 Memphis, TN-MS-AR 16.5% 38115 Memphis, TN-MS-AR 16.2% 38116 Memphis, TN-MS-AR 15.9% 38141 Memphis, TN-MS-AR 15.6% 38128 Memphis, TN-MS-AR 15.4% 38114 Memphis, TN-MS-AR 14.8% 38125 Memphis, TN-MS-AR 12.9% Note: Zip codes with less than 0.15% of total loans in the state were not included in this analysis. For the state of Tennesse, the cuttoff is 991. Source: Lender Processing Services House Prices FIRST QUARTER 2013 In the first quarter of 2013, house prices in Tennessee were 0.7 percent higher than in the fourth quarter of 2012 and 4.0 percent higher than in the first quarter of 2012. Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI HOUSING MARKET CONDITIONS | MARCH 2013 United States Seriously Delinquent Mortgages by County MARCH 2013 In March 2013, 6.46 percent of loans in the United States were seriously delinquent (delinquent 90 days or more, or in foreclosure). INSUFFICIENT DATA 0%-2% 2%-4% 4%-6% 6%-8% 8%-10% 10%-12% 12% OR MORE Source: Lender Processing Services Change in Seriously Delinquent Mortgages by County DECEMBER 2012 TO MARCH 2013 The share of seriously delinquent loans decreased 14 basis points (bps) in the United States between December 2012 and March 2013. Loans that were delinquent 90 days or more decreased 12 bps; foreclosures decreased 1 bp. INSUFFICIENT DATA DOWN -2% OR MORE -2%-0% 0%-2% 2%-4% 4%-6% 6%-8% UP 8% OR MORE Source: Lender Processing Services HOUSING MARKET CONDITIONS | MARCH 2013 United States House Prices FIRST QUARTER 2013 In the first quarter of 2013, house prices in the United States were 1.9 percent higher than in the fourth quarter of 2012 and 6.4 percent higher than in the first quarter of 2012. Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI