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Mortgage Performance

Loan Performance Insights Report Highlights: August 2017

Foreclosure Inventory Rate Fell Back to Pre-Crisis Level in August 2017

Molly Boesel    |    Mortgage Performance

  • The current- to 30-day transition rate held steady in August 2017 from a year earlier
  • North Dakota had the lowest delinquency rate of any state
  • San Francisco had the lowest delinquency rate of the largest metro areas

In August 2017, 4.6 percent of home mortgages were in some stage of delinquency, down from 5.2 percent a year earlier and the lowest for...

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...

Don’t Underestimate Your Credit Risk

The Advantages of Using CoreLogic CBSA Level HPI Stress-Testing Scenarios

Michelle Wu    |    Mortgage Performance

Forward Looking Conditional Default Rate

The Federal Reserve’s Comprehensive Capital Analysis and Review program provides Home Price Index (HPI) stress-testing scenarios at the national level but does not include testing at the local metropolitan level. This approach lacks consideration of the substantial heterogeneity of home price cycles at more disaggregate geographic levels. To address this concern, CoreLogic has created...

Loan Performance Insights Report Highlights: July 2017

Delinquencies and Foreclosures Decline in July 2017

Molly Boesel    |    Mortgage Performance

Current to 30 Day Transition
  • The U.S. foreclosure rate remained at a 10-year low in July 2017
  • The current-to 30-day transition rate edged down in July 2017 from a year earlier
  • Denver had the lowest foreclosure rate of the largest metro areas

In July 2017, 4.6 percent of home mortgages were in some stage of delinquency, down from 5.5 percent a year earlier and the lowest for any...

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...
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