Foreclosure Counseling: Areas of Greatest and Extraordinary Need Methodology and Analysis
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1 Foreclosure Counseling: Areas of Greatest and Extraordinary Need Methodology and Analysis Now eight years into the foreclosure crisis, households nationwide are still struggling to make their mortgage payments. Although the national inventory of loans in foreclosure has declined to its lowest level since , there continues to be many distressed localities where high delinquency and foreclosure rates exist. These distressed localities represent homeowners and properties at risk of foreclosure in the future. Since the inception of the National Foreclosure Mitigation Counseling (NFMC) Program in 2008 through 2015 more than 1.9 million homeowners have been assisted with foreclosure counseling, and provided mortgage-related legal assistance to more than 45,000 homeowners. 2 As part of the NFMC Program, it is mandated that awarded funds be prioritized for use in Areas of Greatest Need. Below we provide a methodology and analysis for determining the Areas of Greatest Need. The goal of this analysis is to identify which metropolitan and rural areas have been hardest hit by the foreclosure crisis and remain Areas of Greatest Need for additional foreclosure counseling resources. Determination of Areas of Greatest Need and Areas of Extraordinary Need The following 13 indicators were used to determine Areas of Greatest Need: Non-Prime, Owner Occupied Loans Prime, Owner Occupied Loans Number of non-prime loans that are days Number of prime loans that are days delinquent delinquent Percent of non-prime loans that are days Percent of prime loans that are days delinquent delinquent Number of non-prime loans that are 90+ days Number of prime loans that are 90+ days delinquent but not in foreclosure delinquent but not in foreclosure Percent of non-prime loans that are 90+ days Percent of prime loans that are 90+ days delinquent but not in foreclosure delinquent but not in foreclosure Percent of non-prime loans that are in the Percent of prime loans that are in the foreclosure process or REO foreclosure process or REO Percent of non-prime negative equity loans Percent of prime negative equity loans Percent of loans originated between that were higher-priced (subprime) 1 Mortgage Bankers Association. Delinquency and Foreclosure Rates Decline to Lowest Level in Six Years, February 20, 2015, 2 National Foreclosure Mitigation Counseling (NFMC) Program data as of 07/31/2015.
2 Areas of Greatest Need In the first step of the analysis, a total of 381 metropolitan and 536micropolitan 3 areas were separately ranked in each category. In the second step of the analysis, every metropolitan area that was in the worst quintile for at least two of the 13 indicators above were considered an Area of Greatest Need. For micropolitan (rural) areas, states where half or more of the micropolitan areas were in the worst quintile for at least two of the 13 indicators above were considered an Area of Greatest Need. Areas of Extraordinary Need Third, all identified Areas of Greatest Need were further reviewed for extraordinary levels of distress among the 13 indicators. A metropolitan area is deemed an Area of Extraordinary Need if either of the following are true: (i) the area fell in the worst quintile for at least five or more of the 13 indicators or (ii) the area was ranked among the worst decile in two or more of the 13 indicators. A micropolitan (rural) area is deemed an Area of Extraordinary Need if either of the following are true: (i) the area fell in the worst quintile for at least five or more of the 13 indicators and represented more than half of the micropolitan areas in the state or (ii) the area was ranked among the worst decile in two or more of the 13 indicators and represented more than half of the micropolitan areas in the state. Metropolitan Areas of Greatest and Extraordinary Need: Metropolitan Area of Greatest and Extraordinary Need Akron, Albany, Albany-Schenectady-Troy, Albuquerque, NM Alexandria, Allentown-Bethlehem-Easton, - Anniston-Oxford-Jacksonville, Atlanta-Sandy Springs-Roswell, Atlantic City-Hammonton, Auburn-Opelika, Augusta-Richmond County, - Austin-Round Rock, Bakersfield, Baltimore-Columbia-Towson, Bangor, ME Barnstable Town, State NM ME 3 Metropolitan and Micropolitan statistical areas were defined using the February 2013 file from the US Census except for 7metropolitan areas and 4 micropolitan areas in Puerto Rico, available online at
3 Baton Rouge, Battle Creek, Bay City, Beaumont-Port Arthur, Beckley, WV Binghamton, Birmingham-Hoover, Bloomington, IN Bloomsburg-Berwick, Boston-Cambridge-Newton, -NH Bremerton-Silverdale, WA Bridgeport-Stamford-Norwalk, Brownsville-Harlingen, Buffalo-Cheektowaga-Niagara Falls, California-Lexington Park, Cape Coral-Fort Myers, Carbondale-Marion, Carson City, NV Charleston-North Charleston, Charlotte-Concord-Gastonia, - Chattanooga, - Chicago-Naperville-Elgin, -IN-WI Cincinnati, -KY-IN Cleveland, Cleveland-Elyria, Columbia, Columbus, - Columbus, Crestview-Fort Walton Beach-Destin, Cumberland, -WV Dallas-Fort Worth-Arlington, Danville, Dayton, Decatur, Decatur, Deltona-Daytona Beach-Ormond Beach, Denver-Aurora-Lakewood, CO Detroit-Warren-Dearborn, Dothan, Dover, DE Durham-Chapel Hill, WV IN WA NV CO DE
4 East Stroudsburg, El Centro, El Paso, Elmira, Erie, Fayetteville, Flint, Florence, Fort Smith, AR-OK Fresno, Gadsden, Gainesville, Glens Falls, Goldsboro, Greensboro-High Point, Greenville-Anderson-Mauldin, Gulfport-Biloxi-Pascagoula, MS Hagerstown-Martinsburg, -WV Hammond, Hanford-Corcoran, Hartford-West Hartford-East Hartford, Hattiesburg, MS Hinesville, Homosassa Springs, Houston-The Woodlands-Sugar Land, Huntsville, Indianapolis-Carmel-Anderson, IN Jackson, Jackson, MS Jackson, Jacksonville, Jacksonville, Janesville-Beloit, WI Johnstown, Kahului-Wailuku-Lahaina, HI Kankakee, Kansas City, MO-KS Kingston, Knoxville, Lafayette, Lake Charles, AR MS MS IN MS WI HI MO
5 Lake Havasu City-Kingman, Lakeland-Winter Haven, Lansing-East Lansing, Laredo, Las Vegas-Henderson-Paradise, NV Lawton, OK Lewiston-Auburn, ME Lima, Little Rock-North Little Rock-Conway, AR Longview, Los Angeles-Long Beach-Anaheim, Louisville/Jefferson County, KY-IN Macon, Madera, Mansfield, McAllen-Edinburg-Mission, Memphis, -MS-AR Merced, Miami-Fort Lauderdale-West Palm Beach, Milwaukee-Waukesha-West Allis, WI Minneapolis-St. Paul-Bloomington, MN-WI Mobile, Monroe, Montgomery, Muncie, IN Nashville-Davidson--Murfreesboro--Franklin, New Bern, New Haven-Milford, New Orleans-Metairie, New York-Newark-Jersey City, -- North Port-Sarasota-Bradenton, Norwich-New London, Ocala, Ocean City, Odessa, Oklahoma City, OK Olympia-Tumwater, WA Omaha-Council Bluffs, NE-IA Orlando-Kissimmee-Sanford, Palm Bay-Melbourne-Titusville, Panama City, NV OK ME AR KY WI MN IN OK WA NE
6 Parkersburg-Vienna, WV Pensacola-Ferry Pass-Brent, Philadelphia-Camden-Wilmington, --DE- Phoenix-Mesa-Scottsdale, Pine Bluff, AR Pittsburgh, Pittsfield, Port St. Lucie, Portland-Vancouver-Hillsboro, OR-WA Providence-Warwick, RI- Punta Gorda, Raleigh, Reno, NV Richmond, VA Riverside-San Bernardino-Ontario, Rochester, Rockford, Rocky Mount, Sacramento--Roseville--Arden-Arcade, Saginaw, Salisbury, -DE Salt Lake City, UT San Antonio-New Braunfels, San Diego-Carlsbad, San Francisco-Oakland-Hayward, San Jose-Sunnyvale-Santa Clara, Savannah, Scranton--Wilkes-Barre--Hazleton, Seattle-Tacoma-Bellevue, WA Sebastian-Vero Beach, Sebring, Shreveport-Bossier City, South Bend-Mishawaka, IN- Spartanburg, Springfield, Springfield, St. Louis, MO- Staunton-Waynesboro, VA Stockton-Lodi, Sumter, Syracuse, WV AR OR RI NV VA UT WA IN MO VA
7 Tallahassee, Tampa-St. Petersburg-Clearwater, Texarkana, -AR The Villages, Toledo, Trenton, Tucson, Tulsa, OK Tuscaloosa, Urban Honolulu, HI Utica-Rome, Valdosta, Vallejo-Fairfield, Vineland-Bridgeton, Virginia Beach-Norfolk-Newport News, VA- Visalia-Porterville, Washington-Arlington-Alexandria, DC-VA--WV Watertown-Fort Drum, Weirton-Steubenville, WV- Wheeling, WV- Wichita Falls, Williamsport, Winston-Salem, Worcester, - York-Hanover, Youngstown-Warren-Boardman, - Yuba City, Yuma, OK HI VA DC WV WV Rural Areas of Greatest and Extraordinary Need: State Alabama Alaska Arizona Arkansas California Connecticut Florida Georgia
8 Hawaii Illinois Indiana Kentucky Louisiana Maine Maryland Massachusetts Michigan Mississippi Montana Nevada New Hampshire New Mexico New York North Carolina Ohio Pennsylvania South Carolina Tennessee Vermont Virginia Washington West Virginia Wisconsin Metropolitan Areas of Extraordinary Need (Repeated): Metropolitan Area of Greatest and Extraordinary Need Albany-Schenectady-Troy, Albuquerque, NM Allentown-Bethlehem-Easton, - Anniston-Oxford-Jacksonville, Atlanta-Sandy Springs-Roswell, Atlantic City-Hammonton, Baltimore-Columbia-Towson, State NM
9 Baton Rouge, Birmingham-Hoover, Boston-Cambridge-Newton, -NH Bridgeport-Stamford-Norwalk, Brownsville-Harlingen, Buffalo-Cheektowaga-Niagara Falls, California-Lexington Park, Cape Coral-Fort Myers, Charleston-North Charleston, Chattanooga, - Chicago-Naperville-Elgin, -IN-WI Cleveland-Elyria, Columbia, Cumberland, -WV Dallas-Fort Worth-Arlington, Dayton, Deltona-Daytona Beach-Ormond Beach, Detroit-Warren-Dearborn, Dover, DE East Stroudsburg, El Paso, Fayetteville, Flint, Gadsden, Glens Falls, Gulfport-Biloxi-Pascagoula, MS Hagerstown-Martinsburg, -WV Hammond, Hartford-West Hartford-East Hartford, Hinesville, Homosassa Springs, Houston-The Woodlands-Sugar Land, Jackson, MS Jacksonville, Jacksonville, Johnstown, Kankakee, Kingston, Knoxville, Lakeland-Winter Haven, Laredo, DE MS MS
10 Las Vegas-Henderson-Paradise, NV Little Rock-North Little Rock-Conway, AR Macon, Memphis, -MS-AR Miami-Fort Lauderdale-West Palm Beach, Milwaukee-Waukesha-West Allis, WI Mobile, Montgomery, New Haven-Milford, New Orleans-Metairie, New York-Newark-Jersey City, -- Norwich-New London, Orlando-Kissimmee-Sanford, Philadelphia-Camden-Wilmington, --DE- Phoenix-Mesa-Scottsdale, Pine Bluff, AR Providence-Warwick, RI- Raleigh, Richmond, VA Riverside-San Bernardino-Ontario, Rochester, Rocky Mount, Saginaw, Salisbury, -DE Salt Lake City, UT Scranton--Wilkes-Barre--Hazleton, Sebring, Shreveport-Bossier City, Springfield, St. Louis, MO- Tampa-St. Petersburg-Clearwater, Tucson, Utica-Rome, Vineland-Bridgeton, Virginia Beach-Norfolk-Newport News, VA- Watertown-Fort Drum, Winston-Salem, Worcester, - Youngstown-Warren-Boardman, - NV AR WI AR RI VA UT MO VA
11 Rural Areas of Extraordinary Need (Repeated): State Alabama Connecticut Florida Hawaii Louisiana Maine Maryland Massachusetts Mississippi New Hampshire New York Data Source: All data sources for this analysis were provided by Black Knight Financial. Data for prime and nonprime loans reflect owner occupied loans active as of June Prime loans and Non-Prime loans are covered by McDash Loan Dataset (subsidiary of Black Knight Financial) which sources approximately 70 percent of both the Prime and Non-Prime market but has been extrapolated to the size of the full market. Prime versus Non Prime loans are determined based on comparing the rate spread from the McDash dataset and the Federal Financial Institutions Examination Council tables 4. Any loan with a rate spread higher than one and a half percent was considered Sub Prime. Percent of loans originated between that were higher-priced are loans originated between that were categorized as Sub Prime. 4 Federal Financial Institutions Examination Countil Average Prime Offer Rate Tables can be found at
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