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Blog Entries by Archana Pradhan

Millennial Homebuyers Are Not All the Same

Older Millennials Closer to Generation Xers than to Younger Millennials

Archana Pradhan    |    Housing Trends

Average Credit Score by Generation

Millennials, born from 1981 to 1997, accounted for 40 percent of homebuyer loan applications during January to September of this year.[1] However, there are notable differences between the younger millennial homebuyers (born 1990 to 1997) and older millennial homebuyers (born 1981 to 1989).  Often, younger millennials have less credit history (and...

Comparing Performance of Adjustable-Rate Mortgages and Fixed-Rate Mortgages

Today’s ARMs Have Lowest Delinquency Rate

Archana Pradhan    |    Mortgage Performance

In a previous blog, Is the Adjustable-Rate Mortgage Making a Come Back, we learned that adjustable-rate mortgages (ARMs) originated currently have lower credit risk characteristics than ARMs of a decade earlier, and have lower...

Where are Dallas County Residents Buying Homes?

Most Buy in Dallas County, but 22 Percent Buy Elsewhere

Archana Pradhan    |    Housing Trends

Dallas Country

In the last blog on state household mobility, we found that there was more migration from high-cost states, such as California and New York, to more affordable states, such as Florida and Texas, than the other way around. As an example, for every...

Housing Credit Index: Second Quarter 2017

Loans Originated in the Second Quarter Exhibit Higher Credit Risk Than a Year Earlier

Archana Pradhan    |    Mortgage Performance

CoreLogic Housing Credit Index
  • The CoreLogic Housing Credit Index (HCI) shows higher credit risk in Q2 2017 compared with Q2 2016, but it remained within the range exhibited during the early 2000s.
  • The average credit score for all borrowers – purchase and refinance combined – increased year over year from 738 in Q2 2016 to 741 in Q2 2017.
  • The average loan-to-value ratio (LTV) and...

Is the Adjustable-Rate Mortgage Making a Come Back?

ARMs Today are Different than the Pre-Crash ARMs

Archana Pradhan    |    Housing Trends, Mortgage Performance

Comparing the ARM Share with Mortgage Rates

During the past decade, homebuyers have mostly preferred fixed-rate mortgages (FRMs) over adjustable-rate mortgages (ARMs). Proof of this is the precipitous drop in the ARM share of the dollar volume of originations from almost 45 percent during mid-2005 to a low of 2 percent in mid-2009 (Figure 1). Since then, the ARM share has fluctuated between about 5 and 13 percent, generally rising when...

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