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Mortgage Performance

Housing Credit Index: Fourth Quarter 2016

Fourth Quarter Originations Exhibit Low Credit Risk, Consistent with the Previous Quarter

Archana Pradhan    |    Mortgage Performance

CoreLogic Overall Housing Credit Index
  • CoreLogic’s Housing Credit Index (HCI) found mortgage loans originated during Q4 2016 continued to exhibit low credit risk compared with the previous quarter and one year earlier. In terms of credit risk, loans originated during Q4 2016 are among the highest-quality home loans originated since the Millennium.
  • The average credit score for...

Foreclosure Report Highlights: 10-Year Retrospect of the US Residential Foreclosure Crisis

National Foreclosure Rate Down to Less Than 1 Percent From a High of 3.6 Percent

Molly Boesel    |    Mortgage Performance

FCL and Serious Delinq Rate

This year marks a decade since the start of the housing crisis[1]. Since mid-2007 more than 7.5 million homes have been foreclosed on according to a 10-year retrospect of the U.S. residential foreclosure crisis, “United...

Purchase Mortgages, High LTVs May Up Fraud Risk in 2017

2016 Ends With Increase in National Fraud Index

Bridget Berg    |    Mortgage Performance

National Mortgage Origination Fraud Index

Mortgage fraud has been relatively low since strong lending controls were spurred in the aftermath of the financial crisis. But there are trends we expect to emerge in 2017 that may change that outlook, and the level of risk, significantly.

At the end of the fourth quarter, the CoreLogic Fraud Index rose to 122, matching its highest level from three years ago (the baseline of 100...

Foreclosure Report Highlights: December 2016

Distressed Homes Inventory Drops 19 Percent Year Over Year

Molly Boesel    |    Mortgage Performance

Distressed Inventory Cont to Shrink
  • The December 2016 foreclosure inventory was 78.9 percent below the January 2011 peak.
  • The inventory of mortgages in serious delinquency fell 19.4 percent year over year in December 2016.
  • Judicial foreclosure states are keeping the foreclosure rate above the pre-crisis rate.

The national foreclosure inventory – the number of loans in the...

Foreclosure Report Highlights: November 2016

The Foreclosure Rate in Non-Judicial States Is Now Back to Pre-Crisis Levels

Molly Boesel    |    Mortgage Performance

  • The November 2016 foreclosure inventory was 79.2 percent below the January 2011 peak.
  • The inventory of mortgages in serious delinquency fell 22.1 percent year over year in November 2016.
  • Wyoming was the only state to experience a year-over-year increase in its serious delinquency rate.

The national foreclosure inventory – the number of...

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