2011 Foreclosures in Minnesota: A Report Based on County Sheriff s Sale Data
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1 2011 Foreclosures in Minnesota: A Report Based on County Sheriff s Sale Data revised February 24, 2012 Published by: Prepared by: 275 Market Street Suite 509 Minneapolis, MN Telephone: Facsinile:
2 About the Minnesota Homeownership Center Recognized nationally as a model of home ownership and foreclosure prevention programming, the Minnesota Homeownership Center convenes a network of 50 community-based nonprofit, government and tribal organizations to deliver homeownership education and foreclosure prevention services to low- and moderate-income households throughout Minnesota. Learn more at About Greater Minnesota Housing Fund The Greater Minnesota Housing Fund is a private, nonprofit organization whose mission is to strengthen families and communities in greater Minnesota through the creation and preservation of affordable housing. Learn more at About Minnesota Housing Minnesota Housing finances and advances affordable housing opportunities for low- and moderateincome Minnesotans to enhance quality of life and foster strong communities. Learn more at About Family Housing Fund The Family Housing Fund is a nonprofit organization whose mission is to provide safe, affordable, sustainable homes to families and children in the Twin Cities metropolitan area through ongoing partnerships with the public and private sector. Learn more at About HousingLink HousingLink is a primary distributor of affordable housing information to service agencies, housing providers, and policy workers in the Twin Cities metropolitan area and selected regions in Greater Minnesota. Learn more at All rights reserved. Copyright 2012.
3 Table of Contents Minnesota Foreclosure Figures Figure 1: Seven-Year History of Minnesota Foreclosures... 1 Figure 2: Map of MN Foreclosures by County, Figure 3: Map of MN Foreclosure s by County, Figure 4: MN County Foreclosure Counts, (sorted by county).. 4 Figure 5: MN County Foreclosure Counts, (sorted by 2011 total). 6 Figure 6: MN County Foreclosure s, (sorted by county). 8 Figure 7: MN County Foreclosure s, (sorted by 2011 rate). 10 Study Purpose and Objectives Methodology. 12 Overview of the foreclosure process Sheriff s Sale Records 14 Data Collection 14 Foreclosure Metric 14
4 Seven-Year History of Minnesota Foreclosures There were 21,298 foreclosures in Minnesota in 2011, which is down 17% from 2010 and the lowest statewide total in four years. However, the total number of foreclosures stubbornly remains above the 20,000 mark, a figure which is over three times the number of annual foreclosures in 2005, the first year these numbers were compiled. Figure Minnesota 7 County Metro Greater MN The following pages include additional figures and appendices detailing foreclosures in Minnesota. They include: 2011 Foreclosure Counts Map 2011 Foreclosure s Map Foreclosure Counts Data Foreclosure s Data A map of Minnesota representing total foreclosures by county in A map of Minnesota representing foreclosure rate (in percent) by county in Tables detailing foreclosure counts from 2010 and four quarters of 2011, sorted by county and 2011 total. Tables detailing foreclosure rates from 2010 and four quarters of 2011, sorted by county and 2011 rate. p.2 p.3 p.4-7 p.8-11 More Minnesota foreclosure information and historical data can be found online at or Foreclosures in Minnesota: A Report Based on County Sheriff s Sales Data (revised February 24, 2012) Page 1
5 Figure 2 Kittson 1 Roseau 32 Lake of the Woods 9 Polk 34 Marshall 13 Norman 7 Pennington 13 Red Lake 2 Mahnomen 8 Clearwater 12 Beltrami 63 Koochiching 22 Itasca 121 St. Louis 516 Lake 27 Cook 4 Clay 85 Becker 75 Hubbard 74 Cass 123 Wilkin 6 Traverse 6 Big Stone 10 Lincoln 9 Grant 15 Otter Tail 146 Lyon 40 Swift 17 Pope 29 Todd 77 Renville 22 Stearns 340 Pipestone Murray Cottonwood Watonwan Rock 13 Stevens 3 Lac qui Parle 12 Yellow Medicine 16 Nobles 29 Douglas 126 Chippewa 28 Redwood 17 Jackson 11 Wadena 45 Kandiyohi 98 Brown 67 Meeker 94 Martin 43 Crow Wing 358 Morrison 109 McLeod 178 Benton 128 Sherburne 613 Wright 747 Sibley 57 Aitkin 71 Scott 744 Isanti 317 Anoka 2015 Hennepin Ramsey Dakota 1985 Carlton 116 Pine 174 Nicollet Le Sueur Rice Goodhue Wabasha 58 Blue Earth 174 Faribault 32 Mille LacsKanabec Carver 331 Waseca 50 Steele 141 Freeborn 129 Chisago 366 Dodge 77 Mower 155 Washington 1075 Olmsted 356 Fillmore 42 Winona 83 Houston (n = 40) (n = 25) (n = 6) (n = 7) 501-1,000 (n = 4) 1,001-2,500 (n = 4) > 2,501 (n = 1) «Page Foreclosures in Minnesota: A Report Based on County Sheriff's Sales Data (revised February 24, 2012)
6 Figure 3 Kittson 1 Roseau 32 Lake of the Woods 9 Polk 34 Marshall 13 Norman 7 Pennington 13 Red Lake 2 Mahnomen 8 Clearwater 12 Beltrami 63 Koochiching 22 Itasca 121 St. Louis 516 Lake 27 Cook 4 Clay 85 Becker 75 Hubbard 74 Cass 123 Wilkin 6 Traverse 6 Big Stone 10 Lincoln 9 Grant 15 Stevens 3 Lac qui Parle 12 Otter Tail 146 Lyon 40 Swift 17 Yellow Medicine 16 Douglas 126 Pope 29 Chippewa 28 Redwood 17 Wadena 45 Todd 77 Kandiyohi 98 Renville 22 Stearns 340 Brown 67 Meeker 94 Pipestone Murray Cottonwood Watonwan Crow Wing 358 Morrison 109 McLeod 178 Benton 128 Wright 747 Sibley 57 Mille LacsKanabec Sherburne 613 Carver 331 Aitkin 71 Scott 744 Isanti 317 Anoka 2015 Hennepin Ramsey Dakota 1985 Pine 174 Nicollet Le Sueur Rice Goodhue Wabasha 58 Blue Earth 174 Waseca 50 Steele 141 Carlton 116 Chisago 366 «Rock Nobles Jackson Martin Faribault Freeborn Mower Fillmore Houston Dodge 77 Washington 1075 Olmsted 356 Winona 83 Foreclosure s 0% % (n=7) 0.26% - 0.5% (n=26) % (n=19) 0.76% - 1.0% (n=9) 1.01% - 1.5% (n=16) 1.51% - 2.0% (n=6) >2.0% (n=4) Page Foreclosures in Minnesota: A Report Based on County Sheriff's Sales Data (revised February 24, 2012)
7 Figure 4: MN County Foreclosure Counts, (sorted by county) 2010 TOTAL 2011 Q Q Q Q TOTAL Change Twin Cities Metro* 15,779 3,318 3,753 2,969 3,141 13,181-16% Greater Minnesota* 9,894 2,053 2,148 1,971 1,945 8,117-18% Minnesota* 25,673 5,371 5,901 4,940 5,086 21,298-17% Aitkin % Anoka 2, ,015-10% Becker % Beltrami % Benton % Big Stone % Blue Earth % Brown % Carlton % Carver % Cass % Chippewa % Chisago % Clay % Clearwater % Cook % Cottonwood % Crow Wing % Dakota 2, ,985-8% Dodge % Douglas % Faribault % Fillmore % Freeborn % Goodhue % Grant % Hennepin* 6,161 1,252 1,383 1,149 1,169 4,953-20% Houston % Hubbard % Isanti % Itasca % Jackson % Kanabec % Kandiyohi % Kittson % Koochiching % Lac qui Parle % Lake % Lake of the Woods % Le Sueur % Lincoln % Lyon % Mahnomen % Marshall % Martin % Page Foreclosures in Minnesota: A Report Based on County Sheriff s Sales Data (revised February 24, 2012)
8 2010 TOTAL 2011 Q Q Q Q TOTAL Change McLeod % Meeker % Mille Lacs % Morrison % Mower % Murray % Nicollet % Nobles % Norman % Olmsted* % Otter Tail % Pennington % Pine % Pipestone % Polk % Pope % Ramsey 2, ,078-20% Red Lake % Redwood % Renville % Rice % Rock % Roseau % Saint Louis % Scott % Sherburne % Sibley % Stearns % Steele % Stevens % Swift % Todd % Traverse % Wabasha % Wadena % Waseca % Washington* 1, ,075-14% Watonwan % Wilkin % Winona % Wright % Yellow Medicine % * Reflects different 2011 Q1 and 2011 Q2 totals from the August 9, 2011 release of Foreclosures in Minnesota due to amended reporting from Hennepin, Washington, and Olmsted Counties Foreclosures in Minnesota: A Report Based on County Sheriff s Sales Data (revised February 24, 2012) Page 5
9 Figure 5: MN County Foreclosure Counts, (sorted by 2011 total) 2010 TOTAL 2011 Q Q Q Q TOTAL Change Twin Cities Metro* 15,779 3,318 3,753 2,969 3,141 13,181-16% Greater Minnesota* 9,894 2,053 2,148 1,971 1,945 8,117-18% Minnesota* 25,673 5,371 5,901 4,940 5,086 21,298-17% Hennepin* 6,161 1,252 1,383 1,149 1,169 4,953-20% Ramsey 2, ,078-20% Anoka 2, ,015-10% Dakota 2, ,985-8% Washington* 1, ,075-14% Wright % Scott % Sherburne % Saint Louis % Chisago % Crow Wing % Olmsted* % Stearns % Carver % Isanti % Rice % Mille Lacs % McLeod % Blue Earth % Pine % Goodhue % Mower % Otter Tail % Steele % Freeborn % Le Sueur % Benton % Douglas % Cass % Itasca % Carlton % Kanabec % Morrison % Kandiyohi % Meeker % Clay % Winona % Dodge % Todd % Becker % Hubbard % Aitkin % Brown % Beltrami % Nicollet % Wabasha % Sibley % Page Foreclosures in Minnesota: A Report Based on County Sheriff s Sales Data (revised February 24, 2012)
10 2010 TOTAL 2011 Q Q Q Q TOTAL Change Waseca % Wadena % Martin % Fillmore % Lyon % Polk % Faribault % Roseau % Nobles % Pope % Chippewa % Lake % Watonwan % Houston % Koochiching % Renville % Cottonwood % Redwood % Swift % Yellow Medicine % Grant % Pipestone % Marshall % Murray % Pennington % Rock % Clearwater % Lac qui Parle % Jackson % Big Stone % Lake of the Woods % Lincoln % Mahnomen % Norman % Traverse % Wilkin % Cook % Stevens % Red Lake % Kittson % * Reflects different 2011 Q1 and 2011 Q2 totals from the August 9, 2011 release of Foreclosures in Minnesota due to amended reporting from Hennepin, Washington, and Olmsted Counties Foreclosures in Minnesota: A Report Based on County Sheriff s Sales Data (revised February 24, 2012) Page 7
11 Figure 6: MN County Foreclosure s, (sorted by county) 2010 Q Q Q Q Twin Cities Metro* Greater Minnesota* Minnesota* Aitkin Anoka Becker Beltrami Benton Big Stone Blue Earth Brown Carlton Carver Cass Chippewa Chisago Clay Clearwater Cook Cottonwood Crow Wing Dakota Dodge Douglas Faribault Fillmore Freeborn Goodhue Grant Hennepin* Houston Hubbard Isanti Itasca Jackson Kanabec Kandiyohi Kittson Koochiching Lac qui Parle Lake Lake of the Woods Le Sueur Lincoln Lyon Mahnomen Marshall Martin McLeod Meeker Page Foreclosures in Minnesota: A Report Based on County Sheriff s Sales Data (revised February 24, 2012)
12 2010 Q Q Q Q Mille Lacs Morrison Mower Murray Nicollet Nobles Norman Olmsted* Otter Tail Pennington Pine Pipestone Polk Pope Ramsey Red Lake Redwood Renville Rice Rock Roseau Saint Louis Scott Sherburne Sibley Stearns Steele Stevens Swift Todd Traverse Wabasha Wadena Waseca Washington* Watonwan Wilkin Winona Wright Yellow Medicine * Reflects different 2011 Q1 and 2011 Q2 totals from the August 9, 2011 release of Foreclosures in Minnesota due to amended reporting from Hennepin, Washington, and Olmsted Counties Foreclosures in Minnesota: A Report Based on County Sheriff s Sales Data (revised February 24, 2012) Page 9
13 Figure 7: MN County Foreclosure s, (sorted by 2011 rate) 2010 Q Q Q Q Twin Cities Metro* Greater Minnesota* Minnesota* Isanti Sherburne Mille Lacs Chisago Anoka Kanabec Wright Scott Pine Dakota Crow Wing Ramsey McLeod Rice Washington* Hennepin* Le Sueur Steele Benton Carver Dodge Cass Mower Meeker Freeborn Goodhue Sibley Aitkin Carlton Blue Earth Hubbard Douglas Morrison Wadena Todd Stearns Waseca Olmsted* Saint Louis Itasca Wabasha Brown Kandiyohi Otter Tail Becker Page Foreclosures in Minnesota: A Report Based on County Sheriff s Sales Data (revised February 24, 2012)
14 2010 Q Q Q Q Nicollet Pope Chippewa Watonwan Lake Grant Winona Roseau Beltrami Martin Faribault Lake of the Woods Fillmore Clay Lyon Mahnomen Koochiching Nobles Cottonwood Swift Big Stone Yellow Medicine Lac qui Parle Clearwater Pipestone Rock Renville Traverse Murray Houston Lincoln Polk Pennington Marshall Redwood Jackson Wilkin Norman Cook Red Lake Stevens Kittson * Reflects different 2011 Q1 and 2011 Q2 totals from the August 9, 2011 release of Foreclosures in Minnesota due to amended reporting from Hennepin, Washington, and Olmsted Counties Foreclosures in Minnesota: A Report Based on County Sheriff s Sales Data (revised February 24, 2012) Page 11
15 Study Purpose and Objectives This report was commissioned by the Minnesota Homeownership Center. It provides policymakers and other community leaders with updated Minnesota foreclosure data as they design solutions to address foreclosures and their impact on Minnesota communities. This report is part of the Foreclosures in Minnesota: A Report Based on County Sheriff s Sale Data series, in which comparable reports have been released annually since 2007 and semi-annually since HousingLink was contracted to conduct the research and prepare the analysis in all reports. Key updated foreclosure data included in this report are as follows: Updated foreclosure counts for all Minnesota counties including the Twin Cites sevencounty metro and Greater Minnesota to reflect actual foreclosures through all of Updated foreclosure rates for all Minnesota counties in The calculation of foreclosure rates makes it possible to compare the relative impact of foreclosure on areas with different population sizes. This report does not include a foreclosure projection. Reports issued prior to 2009 included a foreclosure projection. These projections were based solely on recent foreclosure trends with the assumption that the same patterns would continue into the upcoming year. Due to continuing uncertainty about future economic conditions, this report does not include a projection. Some factors that may contribute to foreclosures include but are not limited to: unstable economic conditions; unemployment rates; falling housing prices; rising numbers of mortgage delinquencies; and resetting or recasting adjustable rate mortgages. Conversely, more active intervention and loss mitigation activities on the part of counselors and lenders help to reduce the number of foreclosures. Methodology To help understand the methods used in this report, it is important to outline Minnesota s foreclosure timeline. Data is collected throughout the process, much of which is useful for analyzing the characteristics of those mortgages and properties that have defaulted. 1 Releases of Foreclosures in Minnesota: A Report Based on County Sheriff s Sale Data prior to August 2009 release used household estimates to calculate the foreclosure rate. As of the August 2009 report, residential parcels have been used to calculate foreclosure rate. See Foreclosure Metric for more information. Page Foreclosures in Minnesota: A Report Based on County Sheriff s Sales Data (revised February 24, 2012)
16 Overview of the Foreclosure Process There are two types of foreclosure processes in Minnesota: 1) Judicial Foreclosure, which is conducted like any other form of civil lawsuit. 2) Foreclosure by Advertisement, which is a type of non-judicial foreclosure. Since the large majority of Minnesota foreclosures occur by advertisement, that process is described in detail below. Foreclosure by Advertisement: Foreclosures in Minnesota take place at the county level and are regulated, for the most part, by state legislation. The foreclosure process can start as early as 30 days after a borrower first misses a mortgage payment. Once the mortgage is in delinquency, the lender empowers an attorney who files notice of pendency against the borrower, starting the foreclosure process. Shortly thereafter, the attorney publishes a foreclosure sale notice in a local newspaper (at least six weeks before the date of the sheriff s sale) and the county serves the filing to the homeowner. At any point before the sheriff s sale, the property owner can reinstate the mortgage by paying all dues, fees and expenses. 1 1 As of June 15, 2009, MN State Law allows homeowners to delay their foreclosure sale by five months. The homeowner must file for postponement between the first publication of the sheriff s sale and 15 days prior to the sale. This reduces the redemption period to five weeks Foreclosures in Minnesota: A Report Based on County Sheriff s Sales Data (revised February 24, 2012) Page 13
17 After the notice has been published and served, the sheriff s sale occurs and the sheriff auctions the property off to the highest bidder, resulting in foreclosure of the mortgage. Following the sale is a redemption period of up to six months, during which the borrower can redeem the property by paying the amount of sale plus interest, taxes, fees, or liens on the property. Borrowers who do not redeem the property by the expiration of the redemption period lose title and right of occupancy in the property. Sheriff s Sale Records Sheriff s sale records are the primary data that identify foreclosed properties and are identified as foreclosures within this report. However, it is helpful to understand the following: Sheriff s sale records do not reflect the total number of properties that enter the foreclosure process. Some portion of properties identified in sheriff s sale records do not result in actual loss of title and occupancy for borrowers because they are redeemed within the allowed timeframe. A small percentage of sheriff s sale records do not relate to residential mortgages. 1 According to a previous study conducted by the Federal Reserve and Macalester College, less than 2 percent of Minneapolis-St. Paul properties sold at sheriff s sales are commercial. Also, HousingLink estimates approximately 2 percent of properties in its foreclosure database are the result of association liens. Taking into account these two figures, it is estimated that at least 95 percent of the foreclosures in this study represent residential properties. Data Collection To obtain the number of sheriff s sales in each county, HousingLink contacted all Minnesota counties. For the updates in this report, counties were asked to provide HousingLink with the total number of sheriff s sales that occurred in their jurisdiction through December Foreclosure Metric The calculation of a foreclosure rate makes it possible to compare the relative impact of foreclosures on areas with different population sizes. The foreclosure rate used in this report identifies the number of sheriff s sales as a percent of total residential parcels. foreclosure rate (in percentage) = sheriff s sales in county / residential parcels in county 2 1 Residential mortgages include single-family and multi-family homes. 2 Residential parcel data is typically provided by the MN Department of Revenue on an annual basis. However, 2011 parcel data was not available at the time this report was prepared, and thus 2011 foreclosure rate calculations are based on 2010 parcel data. Page Foreclosures in Minnesota: A Report Based on County Sheriff s Sales Data (revised February 24, 2012)
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