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Housing Market Conditions | DECEMBER 2013 Arkansas Seriously Delinquent Mortgages by Zip Code December 2013 In December 2013, 5.07 percent of loans in Arkansas were seriously delinquent (delinquent 90 days or more or in foreclosure). The national rate stood at 4.99 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 SEPTEMBER 2013 TO december 2013 The share of seriously delinquent loans decreased 14 basis points (bps) in Arkansas between September 2013 and December 2013. Loans that are delinquent 90 days or more decreased 6 bps; foreclosures decreased 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 | DECEMBER 2013 Arkansas Top 10 Zip Codes with Mortgages Under Stress december 2013 Zip Code CBSA or County Seriously Delinquent Mortgages 72209 Little Rock-North Little Rock-Conway, AR 15.2% 72301 Memphis, TN-MS-AR 12.6% 72204 Little Rock-North Little Rock-Conway, AR 12.3% 72114 Little Rock-North Little Rock-Conway, AR 12.0% 72117 Little Rock-North Little Rock-Conway, AR 10.4% 72103 Little Rock-North Little Rock-Conway, AR 10.0% 71601 Pine Bluff, AR 9.9% 72370 Blytheville, AR 9.6% 71753 Magnolia, AR 8.8% 72206 Little Rock-North Little Rock-Conway, AR 8.8% Note: Zip codes with less than 0.15 percent of total loans in the state were not included in this analysis. For the state of Arkansas, the cutoff is 342. Source: Lender Processing Services House Prices FOURTH quarter 2013 Arkansas House Prices Indexed: Q1 2000 = 100 150 In the fourth quarter of 2013, house prices in Arkansas were 0.9 percent lower than in the third quarter and 0.2 percent higher than in the fourth quarter of 2012. 140 130 120 110 Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI 00 20 20 00 -Q 1 20 - Q 01 4 20 - Q 02 3 20 - Q 03 2 20 - Q 03 1 20 - Q 04 4 20 - Q 05 3 20 - Q 06 2 20 - Q 06 1 20 - Q 07 4 20 - Q 08 3 20 - Q 09 2 20 - Q 09 1 20 - Q 10 4 20 - Q 3 11 20 Q2 12 20 - Q 12 1 20 Q4 13 -Q 3 100 Housing Market Conditions | DECEMBER 2013 Little Rock, AR, MSA Seriously Delinquent Mortgages by Zip Code December 2013 In December 2013, 5.45 percent of loans in the Little Rock, Ark., MSA were seriously delinquent (delinquent 90 days or more or in foreclosure). The national rate stood at 4.99 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 SEPTEMBER 2013 TO december 2013 The share of seriously delinquent loans decreased 14 basis points (bps) in the Little Rock, Ark., MSA between September 2013 and December 2013. Loans that are delinquent 90 days or more decreased 13 bps; foreclosures decreased 2 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 | DECEMBER 2013 Little Rock, AR, MSA Top 10 Zip Codes with Mortgages Under Stress december 2013 Zip Code CBSA or County Seriously Delinquent Mortgages 72209 Pulaski, AR 15.7% 72204 Pulaski, AR 12.2% 72114 Pulaski, AR 12.1% 72103 Saline, AR 10.3% 72117 Pulaski, AR 9.9% 72206 Pulaski, AR 9.3% 72118 Pulaski, AR 7.6% 72106 Faulkner, AR 7.5% 72176 Lonoke, AR 7.4% 72202 Pulaski, AR 7.4% Note: Zip codes with less than 0.15 percent of total loans in the MSA were not included in this analysis. For the Little Rock, Ark., MSA, the cutoff is 128. Source: Lender Processing Services House Prices FOURTH quarter 2013 Little Rock, AR, MSA House Prices Indexed: Q1 2000 = 100 150 In the fourth quarter of 2013, house prices in the Little Rock, Ark., MSA, were 1.0 percent lower than in the third quarter and 0.1 percent higher than in the fourth quarter of 2012. 140 130 120 110 Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI 00 20 20 00 -Q 1 20 - Q 01 4 20 - Q 02 3 20 - Q 03 2 20 - Q 03 1 20 - Q 04 4 20 - Q 05 3 20 - Q 06 2 20 - Q 06 1 20 - Q 07 4 20 - Q 08 3 20 - Q 09 2 20 - Q 09 1 20 - Q 10 4 20 - Q 3 11 20 Q2 12 20 - Q 12 1 20 Q4 13 -Q 3 100 Housing Market Conditions | DECEMBER 2013 Illinois Seriously Delinquent Mortgages by Zip Code December 2013 In December 2013, 6.21 percent of loans in Illinois were seriously delinquent (delinquent 90 days or more or in foreclosure). The national rate stood at 4.99 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 SEPTEMBER 2013 TO december 2013 The share of seriously delinquent loans decreased 71 basis points (bps) in Illinois between September 2013 and December 2013. Loans that are delinquent 90 days or more decreased 25 bps; foreclosures decreased 46 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 | DECEMBER 2013 Illinois Top 10 Zip Codes with Mortgages Under Stress december 2013 Zip Code CBSA or County Seriously Delinquent Mortgages 60636 Chicago-Joliet-Naperville, IL-IN-WI 20.3% 60466 Chicago-Joliet-Naperville, IL-IN-WI 19.8% 60409 Chicago-Joliet-Naperville, IL-IN-WI 19.6% 60419 Chicago-Joliet-Naperville, IL-IN-WI 19.2% 60426 Chicago-Joliet-Naperville, IL-IN-WI 18.8% 60827 Chicago-Joliet-Naperville, IL-IN-WI 18.5% 60153 Chicago-Joliet-Naperville, IL-IN-WI 18.4% 60644 Chicago-Joliet-Naperville, IL-IN-WI 17.4% 60411 Chicago-Joliet-Naperville, IL-IN-WI 16.9% 60478 Chicago-Joliet-Naperville, IL-IN-WI 16.9% Note: Zip codes with less than 0.15 percent of total loans in the state were not included in this analysis. For the state of Illinois, the cutoff is 1,957. Source: Lender Processing Services House Prices FOURTH quarter 2013 Illinois House Prices Indexed: Q1 2000 = 100 150 In the fourth quarter of 2013, house prices in Illinois were 1.0 percent higher than in the third quarter and 6.5 percent higher than in the fourth quarter of 2012. 140 130 120 110 Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI 00 20 20 00 -Q 1 20 - Q 01 4 20 - Q 02 3 20 - Q 03 2 20 - Q 03 1 20 - Q 04 4 20 - Q 05 3 20 - Q 06 2 20 - Q 06 1 20 - Q 07 4 20 - Q 08 3 20 - Q 09 2 20 - Q 09 1 20 - Q 10 4 20 - Q 3 11 20 Q2 12 20 - Q 12 1 20 Q4 13 -Q 3 100 Housing Market Conditions | DECEMBER 2013 Indiana Seriously Delinquent Mortgages by Zip Code December 2013 In December 2013, 5.39 percent of loans in Indiana were seriously delinquent (delinquent 90 days or more or in foreclosure). The national rate stood at 4.99 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 SEPTEMBER 2013 TO december 2013 The share of seriously delinquent loans decreased 18 basis points (bps) in Indiana between September 2013 and December 2013. Loans that are delinquent 90 days or more decreased 11 bps; foreclosures decreased 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 | DECEMBER 2013 Indiana Top 10 Zip Codes with Mortgages Under Stress december 2013 Zip Code CBSA or County Seriously Delinquent Mortgages 46404 Chicago-Naperville-Elgin, IL-IN-WI 14.8% 46235 Indianapolis-Carmel, IN 13.8% 46408 Chicago-Naperville-Elgin, IL-IN-WI 13.2% 46218 Indianapolis-Carmel, IN 11.2% 46405 Chicago-Naperville-Elgin, IL-IN-WI 10.9% 46323 Chicago-Joliet-Naperville, IL-IN-WI 10.3% 46410 Chicago-Joliet-Naperville, IL-IN-WI 10.3% 46016 Indianapolis-Carmel-Anderson, IN 10.1% 46226 Indianapolis-Carmel-Anderson, IN 10.0% 46403 Chicago-Naperville-Elgin, IL-IN-WI 9.6% Note: Zip codes with less than 0.15 percent of total loans in the state were not included in this analysis. For the state of Indiana, the cutoff is 913. Source: Lender Processing Services House Prices FOURTH quarter 2013 Indiana House Prices Indexed: Q1 2000 = 100 120 In the fourth quarter of 2013, house prices in Indiana were 0.7 percent higher than in the third quarter and 4.8 percent higher than in the fourth quarter of 2012. 115 110 105 100 Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI 00 20 20 00 -Q 1 20 - Q 01 4 20 - Q 02 3 20 - Q 03 2 20 - Q 03 1 20 - Q 04 4 20 - Q 05 3 20 - Q 06 2 20 - Q 06 1 20 - Q 07 4 20 - Q 08 3 20 - Q 09 2 20 - Q 09 1 20 - Q 10 4 20 - Q 3 11 20 Q2 12 20 - Q 12 1 20 Q4 13 -Q 3 95 Housing Market Conditions | DECEMBER 2013 Kentucky Seriously Delinquent Mortgages by Zip Code December 2013 In December 2013, 4.38 percent of loans in Kentucky were seriously delinquent (delinquent 90 days or more or in foreclosure). The national rate stood at 4.99 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 SEPTEMBER 2013 TO december 2013 The share of seriously delinquent loans decreased 11 basis points (bps) in Kentucky between September 2013 and December 2013. Loans that are delinquent 90 days or more decreased 2 bps; foreclosures decreased 9 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 | DECEMBER 2013 Kentucky Top 10 Zip Codes with Mortgages Under Stress december 2013 Zip Code CBSA or County Seriously Delinquent Mortgages 42262 Clarksville, TN-KY 12.5% 41014 Cincinnati-Middletown, OH-KY-IN 11.3% 40210 Louisville/Jefferson County, KY-IN 10.0% 40211 Louisville/Jefferson County, KY-IN 9.1% 40212 Louisville/Jefferson County, KY-IN 9.1% 41030 Cincinnati-Middletown, OH-KY-IN 8.2% 40484 Lincoln, KY 8.1% 40216 Louisville/Jefferson County, KY-IN 7.7% 40741 London, KY 7.7% 40118 Louisville/Jefferson County, KY-IN 7.6% Note: Zip codes with less than 0.15 percent of total loans in the state were not included in this analysis. For the state of Kentucky, the cutoff is 478. Source: Lender Processing Services House Prices FOURTH quarter 2013 Kentucky House Prices Indexed: Q1 2000 = 100 135 In the fourth quarter of 2013, house prices in Kentucky were 1.4 percent lower than in the third quarter and 0.7 percent lower than in the fourth quarter of 2012. 130 125 120 115 110 105 Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI 00 20 20 00 -Q 1 20 - Q 01 4 20 - Q 02 3 20 - Q 03 2 20 - Q 03 1 20 - Q 04 4 20 - Q 05 3 20 - Q 06 2 20 - Q 06 1 20 - Q 07 4 20 - Q 08 3 20 - Q 09 2 20 - Q 09 1 20 - Q 10 4 20 - Q 3 11 20 Q2 12 20 - Q 12 1 20 Q4 13 -Q 3 100 Housing Market Conditions | DECEMBER 2013 Louisville, KY, MSA Seriously Delinquent Mortgages by Zip Code December 2013 In December 2013, 4.53 percent of loans in the Louisville, Ky., MSA were seriously delinquent (delinquent 90 days or more or in foreclosure). The national rate stood at 4.99 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 SEPTEMBER 2013 TO december 2013 The share of seriously delinquent loans decreased 8 basis points (bps) in the Louisville, Ky., MSA between September 2013 and December 2013. Loans that are delinquent 90 days or more increased 1 bp; 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 | DECEMBER 2013 Louisville, KY, MSA Top 10 Zip Codes with Mortgages Under Stress december 2013 Zip Code CBSA or County Seriously Delinquent Mortgages 40210 Jefferson, KY 10.5% 40212 Jefferson, KY 10.1% 40211 Jefferson, KY 9.5% 40606 Washington, IN 9.3% 40057 Henry, KY 9.0% 47164 Harrison, IN 8.6% 40019 Henry, KY 8.2% 40216 Jefferson, KY 7.7% 47138 Scott, IN 7.7% 40006 Trimble, KY 7.6% Note: Zip codes with less than 0.15 percent of total loans in the MSA were not included in this analysis. For the Louisville, Ky., MSA, the cutoff is 213. Source: Lender Processing Services House Prices FOURTH quarter 2013 Louisville, KY, MSA House Prices Indexed: Q1 2000 = 100 140 In the fourth quarter of 2013, house prices in the Lousiville, Ky., MSA were 0.5 percent higher than in the third quarter and 1.8 percent higher than in the fourth quarter of 2012. 135 130 125 120 115 110 105 Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI 00 20 20 00 -Q 1 20 - Q 01 4 20 - Q 02 3 20 - Q 03 2 20 - Q 03 1 20 - Q 04 4 20 - Q 05 3 20 - Q 06 2 20 - Q 06 1 20 - Q 07 4 20 - Q 08 3 20 - Q 09 2 20 - Q 09 1 20 - Q 10 4 20 - Q 3 11 20 Q2 12 20 - Q 12 1 20 Q4 13 -Q 3 100 Housing Market Conditions | DECEMBER 2013 Missouri Seriously Delinquent Mortgages by Zip Code December 2013 In December 2013, 3.54 percent of loans in Missouri were seriously delinquent (delinquent 90 days or more or in foreclosure). The national rate stood at 4.99 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 SEPTEMBER 2013 TO december 2013 The share of seriously delinquent loans decreased 8 basis points (bps) in Missouri between September 2013 and December 2013. Loans that are delinquent 90 days or more decreased 8 bps; foreclosures did not change. 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 | DECEMBER 2013 Missouri Top 10 Zip Codes with Mortgages Under Stress december 2013 Zip Code CBSA or County Seriously Delinquent Mortgages 63137 St. Louis, MO-IL 13.0% 63138 St. Louis, MO-IL 12.3% 63115 St. Louis, MO-IL 12.1% 63136 St. Louis, MO-IL 12.1% 63147 St. Louis, MO-IL 11.7% 64130 Kansas City, MO-KS 11.1% 63134 St. Louis, MO-IL 10.0% 63121 St. Louis, MO-IL 9.7% 64132 Kansas City, MO-KS 9.7% 64134 Kansas City, MO-KS 9.2% Note: Zip codes with less than 0.15 percent of total loans in the state were not included in this analysis. For the state of Missouri, the cutoff is 910. Source: Lender Processing Services House Prices FOURTH quarter 2013 Missouri House Prices Indexed: Q1 2000 = 100 150 In the fourth quarter of 2013, house prices in Missouri were 0.2 percent higher than in the third quarter and 4.4 percent higher than in the fourth quarter of 2012. 140 130 120 110 Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI 00 20 20 00 -Q 1 20 - Q 01 4 20 - Q 02 3 20 - Q 03 2 20 - Q 03 1 20 - Q 04 4 20 - Q 05 3 20 - Q 06 2 20 - Q 06 1 20 - Q 07 4 20 - Q 08 3 20 - Q 09 2 20 - Q 09 1 20 - Q 10 4 20 - Q 3 11 20 Q2 12 20 - Q 12 1 20 Q4 13 -Q 3 100 Housing Market Conditions | DECEMBER 2013 St. Louis, MO, MSA Seriously Delinquent Mortgages by Zip Code December 2013 In December 2013, 4.01 percent of loans in the St. Louis, Mo., MSA were seriously delinquent (delinquent 90 days or more or in foreclosure). The national rate stood at 4.99 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 SEPTEMBER 2013 TO december 2013 The share of seriously delinquent loans decreased 6 basis points (bps) in the St. Louis, Mo., MSA between September 2013 and December 2013. Loans that are delinquent 90 days or more decreased 8 bps; foreclosures increased 2 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 | DECEMBER 2013 St. Louis, MO, MSA Top 10 Zip Codes with Mortgages Under Stress december 2013 Zip Code CBSA or County Seriously Delinquent Mortgages 62206 Saint Clair, IL 15.9% 63107 Saint Louis City, MO 14.3% 63113 Saint Louis City, MO 13.8% 63115 Saint Louis City, MO 12.5% 63136 Saint Louis, MO 12.2% 63137 Saint Louis, MO 12.2% 63138 Saint Louis, MO 11.8% 63147 Saint Louis City, MO 11.3% 63134 Saint Louis, MO 10.3% 63121 Saint Louis, MO 9.8% Note: Zip codes with less than 0.15 percent of total loans in the MSA were not included in this analysis. For the St. Louis, Mo., MSA, the cutoff is 523. Source: Lender Processing Services House Prices FOURTH quarter 2013 St. Louis, MO, MSA House Prices Indexed: Q1 2000 = 100 150 In the fourth quarter of 2013, house prices in the St. Louis, Mo., MSA were 0.2 percent lower than in the third quarter and 0.3 percent lower than in the fourth quarter of 2012. 140 130 120 110 Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI 00 20 20 00 -Q 1 20 - Q 01 4 20 - Q 02 3 20 - Q 03 2 20 - Q 03 1 20 - Q 04 4 20 - Q 05 3 20 - Q 06 2 20 - Q 06 1 20 - Q 07 4 20 - Q 08 3 20 - Q 09 2 20 - Q 09 1 20 - Q 10 4 20 - Q 3 11 20 Q2 12 20 - Q 12 1 20 Q4 13 -Q 3 100 Housing Market Conditions | DECEMBER 2013 Tennessee Seriously Delinquent Mortgages by Zip Code December 2013 In December 2013, 4.69 percent of loans in Tennessee were seriously delinquent (delinquent 90 days or more or in foreclosure). The national rate stood at 4.99 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 SEPTEMBER 2013 TO december 2013 The share of seriously delinquent loans decreased 15 basis points (bps) in Tennessee between September 2013 and December 2013. Loans that are delinquent 90 days or more decreased 16 bps; foreclosures did not change. 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 | DECEMBER 2013 Tennessee Top 10 Zip Codes with Mortgages Under Stress december 2013 Zip Code CBSA or County Seriously Delinquent Mortgages 38118 Memphis, TN-MS-AR 18.5% 38109 Memphis, TN-MS-AR 16.4% 38127 Memphis, TN-MS-AR 15.7% 38128 Memphis, TN-MS-AR 15.5% 38115 Memphis, TN-MS-AR 15.3% 38116 Memphis, TN-MS-AR 14.4% 38141 Memphis, TN-MS-AR 14.4% 38106 Memphis, TN-MS-AR 13.9% 38114 Memphis, TN-MS-AR 12.5% 38125 Memphis, TN-MS-AR 11.8% Note: Zip codes with less than 0.15 percent of total loans in the state were not included in this analysis. For the state of Tennessee, the cutoff is 879. Source: Lender Processing Services House Prices FOURTH quarter 2013 Tennessee House Prices Indexed: Q1 2000 = 100 140 In the fourth quarter of 2013, house prices in Tennessee were 0.8 percent lower than in the third quarter and 4.3 percent higher than in the fourth quarter of 2012. 130 120 110 Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI 00 20 20 00 -Q 1 20 - Q 01 4 20 - Q 02 3 20 - Q 03 2 20 - Q 03 1 20 - Q 04 4 20 - Q 05 3 20 - Q 06 2 20 - Q 06 1 20 - Q 07 4 20 - Q 08 3 20 - Q 09 2 20 - Q 09 1 20 - Q 10 4 20 - Q 3 11 20 Q2 12 20 - Q 12 1 20 Q4 13 -Q 3 100 Housing Market Conditions | DECEMBER 2013 Memphis, TN, MSA Seriously Delinquent Mortgages by Zip Code December 2013 In December 2013, 7.95 percent of loans in the Memphis, Tenn., MSA were seriously delinquent (delinquent 90 days or more or in foreclosure). The national rate stood at 4.99 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 SEPTEMBER 2013 TO december 2013 The share of seriously delinquent loans decreased 14 basis points (bps) in the Memphis, Tenn., MSA between September 2013 and December 2013. Loans that are delinquent 90 days or more decreased 14 bps; foreclosures did not change. 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 | DECEMBER 2013 Memphis, TN, MSA Top 10 Zip Codes with Mortgages Under Stress december 2013 Zip Code CBSA or County Seriously Delinquent Mortgages 38118 Shelby, TN 18.0% 38109 Shelby, TN 16.1% 38676 Tunica, MS 16.1% 38127 Shelby, TN 15.5% 38141 Shelby, TN 15.0% 38128 Shelby, TN 14.9% 38115 Shelby, TN 14.7% 38106 Shelby, TN 14.3% 38116 Shelby, TN 14.3% 38114 Shelby, TN 13.2% Note: Zip codes with less than 0.15 percent of total loans in the MSA were not included in this analysis. For the Memphis, Tenn., MSA, the cutoff is 216. Source: Lender Processing Services House Prices FOURTH quarter 2013 Memphis, TN, MSA House Prices Indexed: Q1 2000 = 100 130 In the fourth quarter of 2013, house prices in the Memphis, Tenn., MSA were 0.2 percent lower than in the third quarter and 0.5 percent higher than in the fourth quarter of 2012. 125 120 115 110 105 Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI 00 20 20 00 -Q 1 20 - Q 01 4 20 - Q 02 3 20 - Q 03 2 20 - Q 03 1 20 - Q 04 4 20 - Q 05 3 20 - Q 06 2 20 - Q 06 1 20 - Q 07 4 20 - Q 08 3 20 - Q 09 2 20 - Q 09 1 20 - Q 10 4 20 - Q 3 11 20 Q2 12 20 - Q 12 1 20 Q4 13 -Q 3 100 HOUSING MARKET CONDITIONS | DECEMBER 2013 United States Seriously Delinquent Mortgages by County DECEMBER 2013 In December 2013, 4.99 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 SEPTEMBER 2013 TO DECEMBER 2013 The share of seriously delinquent loans decreased 43 basis points (bps) in the United States between September 2013 and December 2013. Loans that are delinquent 90 days or more decreased 24 bps; foreclosures decreased 19 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 | DECEMBER 2013 United States House Prices FOURTH QUARTER 2013 United States House Prices Indexed: Q1 2000 = 100 170 In the fourth quarter of 2013, house prices in the United States were 1.2 percent higher than in the third quarter and 7.8 percent higher than in the fourth quarter of 2012. 160 150 140 130 120 110 Source: Federal Housing Finance Agency Seasonally Adjusted Expanded HPI 00 20 20 00 -Q 1 20 - Q 01 4 20 - Q 02 3 20 - Q 03 2 20 - Q 03 1 20 - Q 04 4 20 - Q 05 3 20 - Q 06 2 20 - Q 06 1 20 - Q 07 4 20 - Q 08 3 20 - Q 09 2 20 - Q 09 1 20 - Q 10 4 20 - Q 3 11 20 Q2 12 20 - Q 12 1 20 Q4 13 -Q 3 100
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