Research and Trends
We develop original proprietary research, and track current and historical trends in a number of categories, including consumer credit, capital markets, real estate, mortgages, housing, fraud, regulatory compliance, default, natural hazards and disaster projections.
Although some of our research may be subject to restrictions on distribution and not available publicly, we publish regular publicly accessible reports on securities data coverage, housing prices, real estate sales and foreclosures, core mortgage risk, negative equity, delinquency and prepayment trends, and FEMA disaster declarations. We also publish occasional, publicly available special reports on important industry trends, regulatory impacts and other industry concerns.
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2011 Mortgage Fraud Trends Report
Lenders have taken an aggressive stance in fighting fraud over the past several years, resulting in mortgage fraud being on the decline. This research report analyzes US mortgage fraud rates and trends so that lenders can utilize that information to further optimize their fraud and risk prevention programs.
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CoreLogic Economic Market Update - Webinar
The CoreLogic® Economic Market Update, held on September 28th, 2011 at 10:00 a.m. PDT, explored the housing remainder of 2011 and 2012. The overall economy seems to be below "stall speed" and there is an increased concern of a double dip. Market and regulatory uncertainty abounds. Housing continues to struggle with a lack of demand and deflationary expectations. Mortgage finance is struggling with regulatory uncertainty going into an election year. What are the headwinds that will influence the housing market in 2012 and how does it get back on track in a weak and uncertain economy.
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CoreLogic HPI Forecasts - Webinar
The CoreLogic® House Price Index is a vital tool for understanding key trends and volatility in Real Estate markets. The CoreLogic HPI Forecast provides an independent, objective view, of future real estate market changes.
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Home Price Index
Home prices in the U.S. decreased 1.4 percent on a month-over-month basis, the fifth consecutive monthly decline. National home prices, including distressed sales, also declined by 4.7 percent in December 2011 compared to December 2010.
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How Loan-Level Insight Can Lead the Way to Resolving the RMBS Crisis
Brendan Keane, CoreLogic senior vice president of the Advisory Data Valuation Group, discusses the challenges surrounding the residential mortgage-backed securities (RMBS) market and demonstrates the effectiveness of a granular versus portfolio analysis.
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Real Estate Analytic Suite: ListingTrends Market Update Webinar
This presentation from CoreLogic® explored the key supply trends in the current real estate markets. It previewed the ListingTrends™ product and insights into the complexities of trending MLS data. Among the information presented, well-known economists Mark Fleming and Molly Boesel addressed the key indicators to watch in determining market change.
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Short Sale Study
The objective of this study was to take a scientific, data-driven approach to analyzing mortgage short sales. A short sale is a real estate transaction in which the borrower, being unable to pay the mortgage on the property, is permitted by the lender to sell the property for less than the total amount due, at a loss to the lender. During this study, CoreLogic® examined over 450,000 single family residence (SFR) short sales transactions occurring in the past three years. The analysis was intended not only to establish the current trends in the short sale arena, but also to uncover the inherent risk and opportunities associated with these transactions. CoreLogic is pleased to share the benefits of its data and the results of this study with the lending community, contributing to the industry-side effort to understand and minimize mortgage losses.
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The 2011 Storm Surge Report
The 2011 Storm Surge Report provides an analysis of the potential exposure to storm surge property damage in 10 major U.S. coastal areas and current values of the total residential properties exposed to each potential storm surge event. Using the appended flood zone information, compare properties at risk for storm-surge damage to those properties that may also be located within a FEMA flood zone.
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The State of the Nation's Housing 2011
The State of the Nation’s Housing, released annually by Harvard University’s Joint Center for Housing Studies, provides a periodic assessment of the nation’s housing outlook and summarizes important economic and demographic housing trends.
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Uncovering Fraud In Non-performing Loans
Estimates indicate that one out of every 200 loans contains some fraud that will cause the loan to default. Learn more by downloading the Servicing Management article by Frank McKenna.
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Key Trends
We identify key emerging trends based on our latest research efforts and observations. These occasional public reports detail findings on new or upcoming patterns in real estate, housing, capital markets, fraud, government programs, consumer credit, employment and demographics.
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2011 Natural Hazard Risk Summary and Analysis Report
This report recaps the major natural hazard events that occurred 2011 and identifies implications and projections moving forward.
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Automated Valuation Model Testing
Given the new Interagency Guidelines on the use of Automated Valuation Models (AVMs) in lending decisions, many AVM users and prospective users have questions about the best way to perform independent validation of AVM results. CoreLogic had developed a new whitepaper to share our thoughts on AVM testing best practices, which may be used to help lenders guide their research and discussions with regulators on the right approach for their institution.
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AVM Cascade White Papers
Our AVM white papers cover topics such as retrospective AVMs, conditional logic, using baseline AVM statistics to mitigate risk, AVM testing innovations and the creating and the testing of GeoAVM™ cascade models.
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Commercial Market Monitor
CoreLogic brings you "The Commercial Market Monitor" as a way for you to keep up with the commercial real estate market trends across the U.S. Whether you are interested in commercial mortgage maturities, sales transactions, or distressed commercial properties, "The Commercial Market Monitor" is your source for trends.
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CoreLogic Mortgage Fraud Prevention and Detection Resource Guide
Now available as a complimentary tool for financial and government institutions to drive consistent understanding of common mortgage fraud types, trends and best practice mitigation techniques.
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Multifamily Applicant Risk Index
The Multifamily Applicant Risk Index (MAR Index) is published quarterly by CoreLogic and provides property owners and managers with a benchmark against which to compare their portfolio’s performance.
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Navigating the New Secondary Residential Mortgage Market
Our Navigating the New Secondary Residential Mortgage Market White Paper covers topics on how the reemergence of securitization will, in turn, appreciably benefit U.S. consumers.
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Negative Equity Report
A quarterly report that highlights state-by-state estimates for U.S. single-family residential properties. Negative equity, often referred to as “underwater” or “upside down,” means that borrowers owe more on their mortgage than their homes are worth. Negative equity can occur because of a decline in value, an increase in mortgage debt or a combination of both.
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OnSite From CoreLogic - Webinar
This 60-minute webinar from CoreLogic® will guide you through the many features and benefits that OnSite offers with a focus on the implications of the new Interagency Guidelines when using AVMs in your lending decisions.
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Shadow Inventory
Current residential shadow inventory as of October 2011 remained at 1.6 million units, representing a five months’ supply. This is down from October 2010, when shadow inventory stood at 1.9 million units, a seven months’ supply, but approximately the same level as reported in July 2011.
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The AVM Industry
Given the high costs and possibilities for fraud in the residential real estate appraisal market, the Automated Valuation Model (AVM) industry continues to play an essential role in the housing and housing finance markets. There are by now a large number of distinct AVMs available, and it can be very hard to identify and to choose the most suitable AVMs for a particular valuation challenge. While the very largest AVM users dedicate significant resources to this selection process, the vast majority rely on providers of commercial AVM “cascades” to aid in their choice among AVMs. The current discussion paper focuses on the technical underpinnings of available cascades, and provides a guide for users as to which technique is best-suited to particular valuation tasks. It also proposes simple next steps for cascade producers, regulators, and users looking to seed further improvements in valuation technology.
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The MarketPulse
Formerly the U.S. Housing and Mortgage Trends Report, the new MarketPulse provides monthly insight into the current and future health of the U.S. economic climate with particular focus on housing and mortgage metrics.
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The Triage Approach To Estimating Value
Susan Allen, CoreLogic vice president of collateral solutions, discusses how a “triage” approach is increasingly being adopted by lenders both for risk-based pre-sale valuations and for post-sale and real estate owned (REO) management.
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Wharton Report - Potential for Private Flood Insurance Market in Texas
In the U.S., residential flood insurance is provided mainly by the National Flood Insurance Program (NFIP), established in 1968. However, with the program now facing many challenges, the government has recently proposed the privatization of flood insurance. Using probabilistic catastrophe flood modeling provided by CoreLogic®, the Wharton Risk Management and Decision Processes Center has released a study analyzing the role private insurance companies could play in offering residential flood insurance.
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