Based on the CoreLogic’s data analysis findings, the national residential equity report showed in comparison how much the states have improved since the third quarter of 2010. The percentage of borrowers with LTVs greater than 125% dropped from 11.5% down to 5%, the number of negative equity properties decreased from 11.6 million to 6.4 million, and the nation’s average LTV declined by 9.2% (70.6 down to 61.4 percent).

1. #1) Nevada - Negative Equity

2. #1) Nevada - Negative Equity
CoreLogic’s Negative Equity report for quarter three (November 2013) was 32.2% out of 537,000 mortgaged
properties. Nevada’s average LTV was 80.5% with a near negative equity percentage of 3.3%. Nevada had a
statistically significant amount of change in employment numbers from November 2012 to November 2013.
Additional data for Nevada:
- Population: 2,633,331
- Unemployment Rate: 9.90%
- Employment Numbers November 2012: 1,154,500
- Employment Numbers November 2013: 1,175,800 (21,300 difference over one year period)
- Percentage of Vacant Homes: 14.11%
- Delinquency Rate: 7.74%

3. #2) Florida - Negative Equity

4. #2) Florida - Negative Equity
CoreLogic’s Negative Equity report for quarter three (November 2013) was 28.8% out of 4,072,000 mortgaged
properties. Florida’s average LTV was 72.3% with a near negative equity percentage of 3.6%. Florida had a
statistically significant amount of change in employment numbers from November 2012 to November 2013.
Additional data for Florida:
- Population: 18,511,620
- Unemployment Rate: 7.40%
- Employment Numbers November 2012: 7,444,300
- Employment Numbers November 2013: 7,627,400 (181,100 difference over one year period)
- Percentage of Vacant Homes: 19.30%
- Delinquency Rate: 9.87%

5. #3) Arizona - Negative Equity

6. #3) Arizona - Negative Equity
CoreLogic’s Negative Equity report for quarter three (November 2013) was 22.5% out of 1,309,000 mortgaged
properties. Arizona’s average LTV was 71.8% with a near negative equity percentage of 3.8%. Arizona had a
statistically significant amount of change in employment numbers from November 2012 to November 2013.
Additional numbers for Arizona:
- Population: 6,246,816
- Unemployment Rate: 8.50%
- Employment Numbers November 2012: 2,487,200
- Employment Numbers November 2013: 2,534,600 (47,400 difference over one year period)
- Percentage of Vacant Homes: 16.19%
- Delinquency Rate: 3.58%

7. #4) Ohio - Negative Equity

8. #4) Ohio - Negative Equity
CoreLogic’s Negative Equity report for quarter three (November 2013) was 18.0% out of 2,145,000 mortgaged
properties. Ohio’s average LTV was 72.0% with a near negative equity percentage of 4.7%. Ohio had a
decrease in employment numbers from November 2012 to November 2013, resulting in an additional growth of
31,416 in unemployment.
Additional data for Ohio:
- Population: 11,512,431
- Unemployment Rate: 7.4%
- Employment Numbers November 2012: 5,338,891
- Employment Numbers November 2013: 5,307,475 (31,416 difference over one year period)
- Percentage of Vacant Homes: 10.87%
- Delinquency Rate: 3.42%

9. #5) Georgia - Negative Equity

10. #5) Georgia - Negative Equity
CoreLogic’s Negative Equity report for quarter three (November 2013) was 17.1% out of 1,631,000 mortgaged
properties. Georgia’s average LTV was 71.1% with a near negative equity percentage of 4.6%. Georgia had a
statistically significant amount of change in employment numbers from November 2012 to November 2013.
Additional data for Georgia:
- Population: 9,468,815
- Unemployment Rate: 9.30%
- Employment Numbers November 2012: 3,980,800
- Employment Numbers November 2013: 4,072,200 (91,400 difference over one year period)
- Percentage of Vacant Homes: 13.73%
- Delinquency Rate: 4.55%

11. #6) Michigan - Negative Equity

12. #6) Michigan - Negative Equity
CoreLogic’s Negative Equity report for quarter three (November 2013) was 17.7% out of 1,381,000 mortgaged
properties. Michigan’s average LTV was 68.8% with a near negative equity percentage of 3.7%. Michigan had
a statistically significant amount of change in employment numbers from November 2012 to November 2013.
Additional data for Michigan:
- Population: 9,952,687
- Unemployment Rate: 9.40%
- Employment Numbers November 2012: 4,034,500
- Employment Numbers November 2013: 4,094,300 (59,800 difference over one year period)
- Percentage of Vacant Homes: 15.14%
- Delinquency Rate: 2.73%

13. #7) Rhode Island - Negative Equity

14. #7) Rhode Island - Negative Equity
CoreLogic’s Negative Equity report for quarter three (November 2013) was 17.7% out of 1,381,000 mortgaged
properties. Rhode Island’s average LTV was 68.8% with a near negative equity percentage of 3.7%. Rhode
Island had a drop in employment numbers from November 2012 to November 2013, now adding 5,382 to
unemployment numbers.
Additional data for Rhode Island:
- Population: 9,952,687
- Unemployment Rate: 9.0%
- Employment Numbers November 2012: 506,699
- Employment Numbers November 2013: 501,317 (5,382 difference over one year period)
- Percentage of Vacant Homes: 15.14%
- Delinquency Rate: 2.73%

15. #8) Maryland - Negative Equity

16. #8) Maryland - Negative Equity
CoreLogic’s Negative Equity report for quarter three (November 2013) was 15.6% out of 1,371,000 mortgaged
properties. Maryland’s average LTV was 64.1% with a near negative equity percentage of 3.8%. Maryland had
a statistically significant increase in employment numbers from November 2012 to November 2013, adding an
additional 33,500 to employment numbers.
Additional data for Maryland:
- Population: 5,696,423
- Unemployment Rate: 7.50%
- Employment Numbers November 2012: 2,583,900
- Employment Numbers November 2013: 2,617,400 (33,500 difference over one year period)
- Percentage of Vacant Homes: 9.93%
- Delinquency Rate: 5.52%

17. #9) Mississippi - Negative Equity

18. #9) Mississippi - Negative Equity
CoreLogic’s Negative Equity report for quarter three (November 2013) was 14.3% out of 53,000 mortgaged
properties. Mississippi’s average LTV was 72.3% with a near negative equity percentage of 4.9%. Mississippi
had a statistically significant increase in employment numbers from November 2012 to November 2013, adding
an additional 18,500 to employment numbers.
Additional data for Mississippi:
- Population: 2,941,991
- Unemployment Rate: 9.70%
- Employment Numbers November 2012: 1,109,700
- Employment Numbers November 2013: 1,128,200 (18,500 difference over one year period)
- Percentage of Vacant Homes: 13.87%
- Delinquency Rate: 4.08%

19. #10) New Hampshire - Negative Equity

20. #10) New Hampshire - Negative Equity
CoreLogic’s Negative Equity report for quarter three (November 2013) was 13.9% out of 232,000 mortgaged
properties. New Hampshire’s average LTV was 67% with a near negative equity percentage of 4.0%. New
Hampshire had a statistically significant increase in employment numbers from November 2012 to November
2013, adding an additional 1,197 to employment numbers.
Additional data for New Hampshire:
- Population: 1,313,939
- Unemployment Rate: 5.1%
- Employment Numbers November 2012: 701,960
- Employment Numbers November 2013: 703,157 (1,197 difference over one year period)
- Percentage of Vacant Homes: 15.46%
- Delinquency Rate: 2.47%