The Obama administration's Housing Scorecard for January trained the spotlight on the Midwest foreclosure epidemic, which emerged earlier and differently than in other U.S. regions. Specifically, it focused on Detroit and Michigan, noting that nearly 100,000 households in the city have remained in their homes because of the administration's foreclosure-prevention efforts. Just 0.3 percent of residential units were foreclosed in the last quarter of 2012, down from almost 7 percent since 2009. Additionally, 10,000-plus homeowners statewide are benefiting from refinancing, short sales, or mortgage modifications. Nationwide, meanwhile, more than 1.1 million homeowners had received a permanent loan workout via the Home Affordable Modification Program (HAMP) as of December, with the greatest concentrations in California, Florida, and Illinois.