people are actually buying and selling homes! · 2018. 11. 10. · 0: 0. 1: 123,300. 1: 207,000. 0:...

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© 2015 John Bethell Title Company, Inc. Bloomington, IN 47401 July 27, 2015 We interrupt our regularly scheduled programing of compliance induced folderol for this important message: People are actually buying and selling homes! In fact, they are buying and selling homes in Monroe County at the fastest rate in seven years; a rate that is almost twenty percent better than the second quarter of last year. The chart on page 13 shows Monroe County sale transactions by quarter for the last eleven years. This past quarter is the highest quarter since the third quarter of 2007. That’s thirtyone quarters! What was going on in 2007? Well, the first iPhone was released; Bob Barker still hosted “The Price Is Right”; Miley Cyrus was better known as Hanna Montana; and we were debating the long term merits of HD DVDs or BluRays! We were also still underwriting mortgages using a mirror and the fog test; and verifying incomes with dream sequences. Also interesting to me are the charts on pages 14 and 15. Second quarter sales of properties not intended to be the buyer’s primary residence (i.e. investment, commercial, vacant) peaked two years ago in 2013. However they are still up almost 24% from quarter two of last year. Almost all of the increase seems to be in the $200,000 and up range. Sales of properties intended to be the buyer’s primary residence are up 17% from the same quarter last year. These sales are at the highest level since the sales disclosure data became publicly available. The increase is over a broader section of the pricing market than nonprimary sales. Total mortgage lending (chart page 7) while not near the refinancing induced peaks of 2009, 2012 and 2013, is still quite strong. And it’s up about 33% from quarter two of last year. Finally, it looks like the level of foreclosures is stable. See the trend line on page 16. This is the lowest level of new foreclosures since I began tracking them ten years ago. We now return to our regularly scheduled program: TRID Compliance Truth or Consequences. Watch for the October 3 rd inaugural season premier! ~John Bethell

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  • © 2015 John Bethell Title Company, Inc. 

    Bloomington, IN 47401 

     

     

    July 27, 2015  We interrupt our regularly scheduled programing of compliance induced folderol for this important message: People are actually buying and selling homes! In fact, they are buying and selling homes in Monroe County at the fastest rate in seven years; a rate that is almost twenty percent better than the second quarter of last year.  The chart on page 13 shows Monroe County sale transactions by quarter for the last eleven years. This past quarter is the highest quarter since the third quarter of 2007. That’s thirty‐one quarters!  What was going on in 2007? Well, the first iPhone was released; Bob Barker still hosted “The Price Is Right”; Miley Cyrus was better known as Hanna Montana; and we were debating the long term merits of HD DVDs or Blu‐Rays! We were also still underwriting mortgages using a mirror and the fog test; and verifying incomes with dream sequences.   Also interesting to me are the charts on pages 14 and 15. Second quarter sales of properties not intended to be the buyer’s primary residence (i.e. investment, commercial, vacant) peaked two years ago in 2013. However they are still up almost 24% from quarter two of last year. Almost all of the increase seems to be in the $200,000 and up range.  Sales of properties intended to be the buyer’s primary residence are up 17% from the same quarter last year. These sales are at the highest level since the sales disclosure data became publicly available. The increase is over a broader section of the pricing market than non‐primary sales.  Total mortgage lending (chart page 7) while not near the refinancing induced peaks of 2009, 2012 and 2013, is still quite strong. And it’s up about 33% from quarter two of last year.   Finally, it looks like the level of foreclosures is stable. See the trend line on page 16. This is the lowest level of new foreclosures since I began tracking them ten years ago.  We now return to our regularly scheduled program: TRID Compliance Truth or Consequences. Watch for the October 3rd inaugural season premier!  ~John Bethell 

  • Residential and commercial propertymortgages filed in Monroe Countyduring June 2015.

    IUCU 11,934,460First Financial 11,469,348Ruoff 6,933,827Ger Amer 5,831,177Peoples SB 5,711,555ONB 3,794,868MainSource Bk 3,103,200Hallmark 2,930,942Bloomfield SB 2,840,375JPMorgan 2,756,1541st Repub Mtg 2,026,545Fifth Third 1,766,202Regions 52,920

    Note- Charts & report do not include re-recordings, modifications, or those recorded without a property description.Fifth Third includes Fifth Third Bank & Fifth Third Mtg, Regions includes Regions Bank & Regions Mtg.

    IUCU 90Peoples SB 35Ruoff 33ONB 30Ger Amer 24Bloomfield SB 19Hallmark 17MainSource Bk 17JPMorgan 17Fifth Third 101st Repub Mtg 10First Financial 7Regions 2

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    Transactions - June 2015

    Copyright 2014John Bethell Title Company, Inc.

    Bloomington, IN 47401

    1

  • Mortgage Report covering all mortgages on Monre County property, both residential and commercial,filed with the Monroe County Recorder during the month of June 2015.

    0 to $49,999 $50,000 to $199,999 $200,000-$499,999 $500,000 & up Total Total

    Lender Docs Amount Docs Amount Docs Amount Docs Amount Docs % Amount %

    BAXTER CREDIT UNION 0 0 1 123,300 1 207,000 0 0 2 0.4 330,300 0.3BANK OF AMERICA 0 0 2 161,000 5 1,477,000 0 0 7 1.4 1,638,000 1.7BLOOMFIELD STATE BANK 2 54,000 12 1,224,775 5 1,561,600 0 0 19 3.8 2,840,375 2.9CRANE FEDERAL CU 1 40,000 3 422,000 2 456,000 0 0 6 1.2 918,000 0.9FARM CREDIT MID AMERICA 0 0 1 148,665 0 0 0 0 1 0.2 148,665 0.2FIRST FINANCIAL BANK 2 50,275 2 164,273 2 454,800 1 10,800,000 7 1.4 11,469,348 11.9FREEDOM HOME MORTGAGE 0 0 4 437,317 1 208,583 0 0 5 1 645,900 0.7FARMERS AND MECHANICS 0 0 1 198,450 0 0 0 0 1 0.2 198,450 0.2FIRST REPUBLIC MORTGAGE 0 0 5 664,131 5 1,362,414 0 0 10 2 2,026,545 2.1FIFTH THIRD BANK 1 25,000 0 0 0 0 0 0 1 0.2 25,000 0FIFTH THIRD MORTGAGE 0 0 6 556,602 2 473,600 1 711,000 9 1.8 1,741,202 1.8GERMAN AMERICAN BANCORP 2 63,000 10 1,131,331 11 3,777,846 1 859,000 24 4.8 5,831,177 6HOOSIER HILLS CU 1 10,000 1 75,600 0 0 0 0 2 0.4 85,600 0.1HALLMARK HOME MTG 0 0 12 1,585,762 5 1,345,180 0 0 17 3.4 2,930,942 3INDIANA UNIVERSITY CU 27 714,639 48 5,059,196 12 3,775,625 3 2,385,000 90 17.9 11,934,460 12.3JPMORGAN CHASE BANK 1 24,500 11 1,160,600 4 952,679 1 618,375 17 3.4 2,756,154 2.9MAINSOURCE BANK 1 25,000 12 1,388,200 3 765,000 1 925,000 17 3.4 3,103,200 3.2MORTGAGE MASTERS 0 0 7 801,591 3 697,550 0 0 10 2 1,499,141 1.6OWEN COUNTY STATE BANK 2 38,600 7 858,900 2 619,500 1 2,000,000 12 2.4 3,517,000 3.6OLD NATIONAL BANK 6 180,036 16 1,533,582 8 2,081,250 0 0 30 6 3,794,868 3.9PEOPLES STATE BANK 2 59,000 24 2,783,437 8 2,069,118 1 800,000 35 7 5,711,555 5.9REGIONS BANK 2 52,920 0 0 0 0 0 0 2 0.4 52,920 0.1REGIONS MORTGAGE 0 0 0 0 0 0 0 0 0 0 0 0RUOFF MORTGAGE 0 0 21 2,961,126 11 3,338,201 1 634,500 33 6.6 6,933,827 7.2SAGAMORE HOME MORTGAGE 0 0 5 590,525 4 1,258,864 0 0 9 1.8 1,849,389 1.9UNITED STATES OF AMERICA 0 0 0 0 0 0 0 0 0 0 0 0UNION SAVINGS BANK 1 27,400 6 749,821 1 320,000 0 0 8 1.6 1,097,221 1.1WATERSTONE MORTGAGE 0 0 0 0 0 0 0 0 0 0 0 0WELLS FARGO BANK 2 60,000 3 405,957 0 0 0 0 5 1 465,957 0.5All Others 17 305,641 75 9,069,035 30 9,053,386 1 4,675,000 123 24.5 23,103,062 23.9

    ====================== =================== =================== =================== =================== ===== ==================== ======TOTALS 70 1,730,011 295 34,255,176 125 36,255,196 12 24,407,875 502 100 96,648,258 100

    Copyright 2014John Bethell Title Company, Inc.

    Bloomington, IN 47401

    2

  • Residential and commercial propertymortgages filed in Monroe Countyduring 2015.

    IUCU 53,513,483Ger Amer 31,494,924Peoples SB 26,429,595Ruoff 19,351,803ONB 17,623,250Hallmark 16,978,021JPMorgan 13,893,271First Financial 13,310,322MainSource Bk 11,675,3861st Repub Mtg 8,978,177Bloomfield SB 8,161,781Fifth Third 5,969,904Regions 3,639,626

    Note- Charts & report do not include re-recordings, modifications, or those recorded without a property description.Fifth Third includes Fifth Third Bank & Fifth Third Mtg, Regions includes Regions Bank & Regions Mtg.

    IUCU 398Peoples SB 145ONB 125Ger Amer 114Ruoff 95MainSource Bk 78Hallmark 74JPMorgan 73Bloomfield SB 541st Repub Mtg 47Fifth Third 45Regions 33First Financial 25

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    Transactions - Year-to-Date through June 2015

    Copyright 2014John Bethell Title Company, Inc.

    Bloomington, IN 47401

    3

  • Mortgage Report covering all mortgages on Monre County property, both residential and commercial,filed with the Monroe County Recorder during 2015.

    0 to $49,999 $50,000 to $199,999 $200,000-$499,999 $500,000 & up Total Total

    Lender Docs Amount Docs Amount Docs Amount Docs Amount Docs % Amount %

    BAXTER CREDIT UNION 1 25,000 3 409,300 4 1,095,550 0 0 8 0.4 1,529,850 0.3BANK OF AMERICA 0 0 19 2,116,296 9 2,557,300 0 0 28 1.3 4,673,596 1BLOOMFIELD STATE BANK 7 192,250 31 3,258,877 16 4,710,654 0 0 54 2.5 8,161,781 1.7CRANE FEDERAL CREDIT U 5 130,000 11 1,313,000 3 683,000 0 0 19 0.9 2,126,000 0.4FARM CREDIT MID AMERIC 4 161,550 4 396,065 1 340,000 0 0 9 0.4 897,615 0.2FIRST FINANCIAL BANK 9 229,800 10 908,872 5 1,371,650 1 10,800,000 25 1.2 13,310,322 2.7FREEDOM HOME MORTGAGE 0 0 25 3,076,862 4 908,512 0 0 29 1.4 3,985,374 0.8FARMERS AND MECHANICS 1 28,964 2 358,450 1 230,000 0 0 4 0.2 617,414 0.1FIRST REPUBLIC MORTGAG 0 0 27 3,468,782 19 4,994,395 1 515,000 47 2.2 8,978,177 1.8FIFTH THIRD BANK 8 214,349 6 485,000 1 200,000 0 0 15 0.7 899,349 0.2FIFTH THIRD MORTGAGE 0 0 22 2,562,755 7 1,796,800 1 711,000 30 1.4 5,070,555 1GERMAN AMERICAN BANCOR 12 373,798 47 5,204,240 47 14,655,886 8 11,261,000 114 5.3 31,494,924 6.4HOOSIER HILLS CREDIT U 3 77,000 3 269,400 0 0 0 0 6 0.3 346,400 0.1HALLMARK HOME MTG 0 0 37 4,743,182 35 10,252,839 2 1,982,000 74 3.5 16,978,021 3.5INDIANA UNIVERSITY CRE 103 2,776,265 217 23,341,837 68 19,366,350 10 8,029,031 398 18.7 53,513,483 10.9JPMORGAN CHASE BANK 10 56,500 45 4,970,147 14 3,868,249 4 4,998,375 73 3.4 13,893,271 2.8MAINSOURCE BANK 13 394,515 44 5,105,020 20 5,250,851 1 925,000 78 3.7 11,675,386 2.4MORTGAGE MASTERS 0 0 31 3,942,230 11 3,028,224 1 667,490 43 2 7,637,944 1.6OWEN COUNTY STATE BANK 6 99,600 15 1,655,270 10 2,952,011 5 4,335,000 36 1.7 9,041,881 1.9OLD NATIONAL BANK 32 927,743 68 7,422,122 21 5,935,550 4 3,337,835 125 5.9 17,623,250 3.6PEOPLES STATE BANK 21 544,025 89 9,843,941 28 8,193,168 7 7,848,461 145 6.8 26,429,595 5.4REGIONS BANK 14 352,820 5 375,695 1 212,000 0 0 20 0.9 940,515 0.2REGIONS MORTGAGE 1 38,000 8 1,256,480 4 1,404,631 0 0 13 0.6 2,699,111 0.6RUOFF MORTGAGE 0 0 60 7,974,300 33 9,788,003 2 1,589,500 95 4.5 19,351,803 4SAGAMORE HOME MORTGAGE 0 0 26 3,348,498 7 1,939,382 0 0 33 1.5 5,287,880 1.1UNITED STATES OF AMERI 0 0 1 132,000 0 0 0 0 1 0 132,000 0UNION SAVINGS BANK 1 27,400 28 3,473,521 10 2,615,300 0 0 39 1.8 6,116,221 1.3WATERSTONE MORTGAGE 0 0 13 1,947,504 10 2,573,646 2 1,243,200 25 1.2 5,764,350 1.2WELLS FARGO BANK 3 60,000 20 2,166,323 0 0 0 0 23 1.1 2,226,323 0.5All Others 56 1,133,379 323 39,937,681 123 35,213,480 20 131,062,467 522 24.5 207,347,007 42.4====================== ===== =================== =================== =================== =================== ====== ====================TOTALS 310 7,842,958 1240 145,463,650 512 146,137,431 69 189,305,359 2131 100 488,749,398 100

    Copyright 2014John Bethell Title Company, Inc.

    Bloomington, IN 47401

    4

  • Mortgage Report covering all mortgages on Monre County property, both residential and commercial,filed with the Monroe County Recorder during the month of May 2015.

    0 to $75,000 $75,001 to $199,999 $200,000-$417,000 $417,001 & up Total Total

    Lender Docs Amount Docs Amount Docs Amount Docs Amount Docs % Amount %

    BAXTER CREDIT UNION 0 0 1 123,300 1 207,000 0 0 2 0.4 330,300 0.3BANK OF AMERICA 1 50,000 1 111,000 5 1,477,000 0 0 7 1.4 1,638,000 1.7BLOOMFIELD STATE BANK 5 244,000 9 1,034,775 5 1,561,600 0 0 19 3.8 2,840,375 2.9CRANE FEDERAL CREDIT U 1 40,000 3 422,000 2 456,000 0 0 6 1.2 918,000 0.9FARM CREDIT MID AMERIC 0 0 1 148,665 0 0 0 0 1 0.2 148,665 0.2FIRST FINANCIAL BANK 3 115,548 1 99,000 2 454,800 1 10,800,000 7 1.4 11,469,348 11.9FREEDOM HOME MORTGAGE 0 0 4 437,317 1 208,583 0 0 5 1 645,900 0.7FARMERS AND MECHANICS 0 0 1 198,450 0 0 0 0 1 0.2 198,450 0.2FIRST REPUBLIC MORTGAG 0 0 5 664,131 5 1,362,414 0 0 10 2 2,026,545 2.1FIFTH THIRD BANK 1 25,000 0 0 0 0 0 0 1 0.2 25,000 0FIFTH THIRD MORTGAGE 2 130,500 4 426,102 2 473,600 1 711,000 9 1.8 1,741,202 1.8GERMAN AMERICAN BANCOR 2 63,000 10 1,131,331 9 2,827,846 3 1,809,000 24 4.8 5,831,177 6HOOSIER HILLS CREDIT U 1 10,000 1 75,600 0 0 0 0 2 0.4 85,600 0.1HALLMARK HOME MTG 1 59,200 11 1,526,562 5 1,345,180 0 0 17 3.4 2,930,942 3INDIANA UNIVERSITY CRE 42 1,699,093 33 4,074,742 12 3,775,625 3 2,385,000 90 17.9 11,934,460 12.3JPMORGAN CHASE BANK 4 220,000 8 965,100 4 952,679 1 618,375 17 3.4 2,756,154 2.9MAINSOURCE BANK 3 147,015 10 1,266,185 3 765,000 1 925,000 17 3.4 3,103,200 3.2MORTGAGE MASTERS 0 0 7 801,591 3 697,550 0 0 10 2 1,499,141 1.6OWEN COUNTY STATE BANK 4 164,200 5 733,300 2 619,500 1 2,000,000 12 2.4 3,517,000 3.6OLD NATIONAL BANK 11 437,971 11 1,275,647 8 2,081,250 0 0 30 6 3,794,868 3.9PEOPLES STATE BANK 4 181,500 22 2,660,937 8 2,069,118 1 800,000 35 7 5,711,555 5.9REGIONS BANK 2 52,920 0 0 0 0 0 0 2 0.4 52,920 0.1REGIONS MORTGAGE 0 0 0 0 0 0 0 0 0 0 0 0RUOFF MORTGAGE 0 0 21 2,961,126 11 3,338,201 1 634,500 33 6.6 6,933,827 7.2SAGAMORE HOME MORTGAGE 1 61,290 4 529,235 3 776,464 1 482,400 9 1.8 1,849,389 1.9UNITED STATES OF AMERI 0 0 0 0 0 0 0 0 0 0 0 0UNION SAVINGS BANK 2 77,400 5 699,821 1 320,000 0 0 8 1.6 1,097,221 1.1WATERSTONE MORTGAGE 0 0 0 0 0 0 0 0 0 0 0 0WELLS FARGO BANK 2 60,000 3 405,957 0 0 0 0 5 1 465,957 0.5All Others 32 1,199,215 60 8,175,461 25 6,674,601 6 7,053,785 123 24.5 23,103,062 23.9====================== ===== =================== =================== =================== =================== ====== ============== ======TOTALS 124 5,037,852 241 30,947,335 117 32,444,011 20 28,219,060 502 100 96,648,258 100

    Copyright 2014John Bethell Title Company, Inc.

    Bloomington, IN 47401

    5

  • Mortgage Report covering all mortgages on Monre County property, both residential and commercial,filed with the Monroe County Recorder during 2015.

    0 to $75,000 $75,001 to $199,999 $200,000-$417,000 $417,001 & up Total Total

    Lender Docs Amount Docs Amount Docs Amount Docs Amount Docs % Amount %

    BAXTER CREDIT UNION 1 25,000 3 409,300 4 1,095,550 0 0 8 0.4 1,529,850 0.3BANK OF AMERICA 5 307,830 14 1,808,466 9 2,557,300 0 0 28 1.3 4,673,596 1BLOOMFIELD STATE BANK 15 700,527 23 2,750,600 15 4,291,836 1 418,818 54 2.5 8,161,781 1.7CRANE FEDERAL CREDIT U 6 205,000 10 1,238,000 3 683,000 0 0 19 0.9 2,126,000 0.4FARM CREDIT MID AMERIC 5 235,500 3 322,115 1 340,000 0 0 9 0.4 897,615 0.2FIRST FINANCIAL BANK 12 413,073 7 725,599 4 910,800 2 11,260,850 25 1.2 13,310,322 2.7FREEDOM HOME MORTGAGE 0 0 25 3,076,862 4 908,512 0 0 29 1.4 3,985,374 0.8FARMERS AND MECHANICS 1 28,964 2 358,450 1 230,000 0 0 4 0.2 617,414 0.1FIRST REPUBLIC MORTGAG 1 70,000 26 3,398,782 19 4,994,395 1 515,000 47 2.2 8,978,177 1.8FIFTH THIRD BANK 12 444,349 2 255,000 1 200,000 0 0 15 0.7 899,349 0.2FIFTH THIRD MORTGAGE 3 183,200 19 2,379,555 7 1,796,800 1 711,000 30 1.4 5,070,555 1GERMAN AMERICAN BANCOR 22 968,745 37 4,609,293 40 11,517,386 15 14,399,500 114 5.3 31,494,924 6.4HOOSIER HILLS CREDIT U 3 77,000 3 269,400 0 0 0 0 6 0.3 346,400 0.1HALLMARK HOME MTG 5 318,323 32 4,424,859 34 9,770,874 3 2,463,965 74 3.5 16,978,021 3.5INDIANA UNIVERSITY CRE 160 6,252,505 160 19,865,597 68 19,366,350 10 8,029,031 398 18.7 53,513,483 10.9JPMORGAN CHASE BANK 20 668,347 35 4,358,300 13 3,371,249 5 5,495,375 73 3.4 13,893,271 2.8MAINSOURCE BANK 22 894,905 35 4,604,630 20 5,250,851 1 925,000 78 3.7 11,675,386 2.4MORTGAGE MASTERS 0 0 31 3,942,230 11 3,028,224 1 667,490 43 2 7,637,944 1.6OWEN COUNTY STATE BANK 11 429,570 10 1,325,300 8 2,111,406 7 5,175,605 36 1.7 9,041,881 1.9OLD NATIONAL BANK 47 1,786,799 53 6,563,066 20 5,439,550 5 3,833,835 125 5.9 17,623,250 3.6PEOPLES STATE BANK 39 1,628,229 71 8,759,737 28 8,193,168 7 7,848,461 145 6.8 26,429,595 5.4REGIONS BANK 17 552,515 2 176,000 1 212,000 0 0 20 0.9 940,515 0.2REGIONS MORTGAGE 1 38,000 8 1,256,480 3 979,150 1 425,481 13 0.6 2,699,111 0.6RUOFF MORTGAGE 3 214,125 57 7,760,175 33 9,788,003 2 1,589,500 95 4.5 19,351,803 4SAGAMORE HOME MORTGAGE 2 129,579 24 3,218,919 6 1,456,982 1 482,400 33 1.5 5,287,880 1.1UNITED STATES OF AMERI 0 0 1 132,000 0 0 0 0 1 0 132,000 0UNION SAVINGS BANK 5 246,600 24 3,254,321 10 2,615,300 0 0 39 1.8 6,116,221 1.3WATERSTONE MORTGAGE 0 0 13 1,947,504 10 2,573,646 2 1,243,200 25 1.2 5,764,350 1.2WELLS FARGO BANK 9 447,608 14 1,778,715 0 0 0 0 23 1.1 2,226,323 0.5All Others 99 3,828,724 280 37,242,336 114 30,993,445 29 135,282,502 522 24.5 207,347,007 42.4====================== ===== =================== =================== =================== =================== ====== ============== ======TOTALS 526 21,095,017 1024 132,211,591 487 134,675,777 94 200,767,013 2131 100 488,749,398 100

    Copyright 2014John Bethell Title Company, Inc.

    Bloomington, IN 47401

    6

  • Copyright 2015John Bethell Title Company, Inc.

    329 South Walnut St.Bloomington, IN 47401

    812-339-8434www.johnbtitle.com

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    Recorded Mortgages 2006- 2015 by QuarterBetween $50K and $500K

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    7

  • Copyright 2015John Bethell Title Company, Inc.

    329 South Walnut St.Bloomington, IN 47401

    812-339-8434www.johnbtitle.com

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    8

  • 694

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    414

    724

    1046

    839

    904

    487

    672

    832

    882

    558

    504

    683

    824

    637

    780

    878

    823

    733

    884

    747

    424

    330

    481 496

    447

    393

    631

    0

    200

    400

    600

    800

    1000

    1200

    First Second Third Fourth

    Num

    ber o

    f Recorde

    d Mortgages

    Quarter

    Mortgages $75K‐$200K ‐Monroe County by Quarter ‐ 2008 to 2014

    2008

    2009

    2010

    2011

    2012

    2013

    2014

    2015

    www.JohnBTitle.com

    Copyright 2015John Bethell Title Company, Inc.

    329 South Walnut StreetBloomington, IN 47401

    9

  • 235225

    192

    137

    328

    385

    240

    301

    156

    230

    296

    326

    188171

    222

    327

    258274

    305

    341

    258

    314

    225

    154

    106

    189 188 186201

    286

    0

    50

    100

    150

    200

    250

    300

    350

    400

    450

    First Second Third Fourth

    Recorded

     Mortgages

    Quarter

    Mortgages $200K to $417K by Quarter 2008 ‐ 2014

    2008

    2009

    2010

    2011

    2012

    2013

    2014

    2015

    www.JohnBTitle.com

    Copyright 2015John Bethell Title Company, Inc.

    329 South Walnut StreetBloomington, IN 47401

    10

  • Copyright 2015John Bethell Title Company, Inc.

    329 South Walnut St.Bloomington, IN 47401

    812-339-8434www.johnbtitle.com

    100

    150

    200

    250

    300

    350

    400

    450

    500

    550

    600

    First Second Third Fourth

    Rec

    orde

    d M

    ortg

    ages

    Quarter

    Recorded Mortgages 2006 - 2014 by QuarterUnder $50K

    2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

    11

  • Copyright 2015John Bethell Title Company, Inc.

    329 South Walnut St.Bloomington, IN 47401

    812-339-8434www.johnbtitle.com

    $-

    $2,000,000

    $4,000,000

    $6,000,000

    $8,000,000

    $10,000,000

    $12,000,000

    $14,000,000

    $16,000,000

    First Second Third Fourth

    Stat

    ed O

    rigin

    al L

    oan

    Amou

    nt

    Quarter

    Mortgage Loan Dollar Volume 2006 - 2014 by QuarterUnder $50K

    2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

    12

  • ** Does not include Quit-Claim Deeds, Sheriff's Deeds, or deeds judged not to represent a sale.

    Copyright 2015John Bethell Title Company, Inc.

    329 South Walnut St.Bloomington, IN 47401

    812-339-8434www.johnbtitle.com

    0

    100

    200

    300

    400

    500

    600

    700

    800

    900

    1000

    1100

    First Second Third Fourth

    Rec

    orde

    d Tr

    ansa

    ctio

    ns

    Quarter

    Recorded Sale Transactions - Monroe CountySince 20052005

    200620072008200920102011

    2012

    2013

    2014

    2015

    13

  • 7280

    70 68

    52

    93

    7165 70

    83 81

    6760

    7569 69 69 74

    32

    3546

    27

    30

    43

    31 3821

    60

    35

    34

    30

    2732

    40

    26

    30

    10

    189

    12

    10

    11

    1019

    15

    11

    10

    13

    8

    7 10

    16

    17

    2510

    18

    9

    12

    10

    11

    10

    19

    15

    11

    10

    13

    8

    710

    16

    17

    25

    0

    20

    40

    60

    80

    100

    120

    140

    160

    180

    1st 2nd 3rd 4th 1st 2nd 3rd 4th 1st 2nd 3rd 4th 1st 2nd 3rd 4th 1st 2nd 3rd 4th

    2011 2012 2013 2014 2015

    Total

    Sales

    Quarter

    Monroe County Non‐Primary Residence Sales 2011 ‐ Present 

    Over $500K

    $200K‐$500K

    $125K‐$200K

    $50K‐$125K

    Disclosures indicating propertywill not be buyer's primary residence.

    From sales disclosure datasubmitted to State of Indiana DLGF.

    Copyright 2015John Bethell Title Company, Inc.

    Bloomington, IN 47401www.JohnBTitle.com

    14

  • 63107 114 87 65

    130 12979 81

    133 11479 71

    143117 111

    74

    136

    86

    134 125

    7277

    173135

    108 97

    177170

    86 89

    180

    164

    102

    86

    223

    43

    98 86

    5847

    133

    120

    72 77

    143

    125

    69 62

    175

    145

    83

    95

    216

    3

    75

    26

    13

    6

    4 4

    12

    10

    4 8

    10

    9

    8

    5

    20

    0

    100

    200

    300

    400

    500

    600

    700

    1st 2nd 3rd 4th 1st 2nd 3rd 4th 1st 2nd 3rd 4th 1st 2nd 3rd 4th 1st 2nd 3rd 4th

    2011 2012 2013 2014 2015

    Total

    Sales

    Quarter

    Monroe County Primary Residence Sales 2011 to Present 

    Over $500K

    $200K‐$500K

    $125K‐$200K

    $50K‐$125K

    Disclosures indicating propertyto be buyer's primary residence.

    From sales disclosure datasubmitted to State of Indiana DLGF.

    Copyright 2015John Bethell Title Company, Inc.

    Bloomington, IN 47401www.JohnBTitle.com

    15

  • Copyright 2015John Bethell Title Company, Inc.

    0

    5

    10

    15

    20

    25

    30

    35

    40

    45

    50

    Month Beginning January 2010

    Trends: New Foreclosures & Sheriff's Deeds By Month 2010 - 2015New Foreclosures Deeds Trend Line: New Trend Line: Deeds

  • Copyright 2015John Bethell Title Company, Inc.

    Recorded Sheriff's Deeds

    New Foreclosures

    0

    50

    100

    150

    200

    250

    300

    350

    2010 2011 2012 2013 2014 2015

    133

    114

    179166

    131

    54

    319

    264

    306

    228

    201

    96

    Foreclosure Started and Finished 2010 to Present

    Recorded Sheriff's Deeds

    New Foreclosures

    17

    1506MtgReportMtg Bar ChartsNon Primary Res Analysis CorrectedPrimary Res Analysis CorrectedFcl trendsfcl Bar