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CoreLogic Econ


Mortgage Performance

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...

Conforming Loan Limit to Rise for First Time in Many Years

But ‘Jumbo inversion’ means conforming still more expensive for borrowers

Sam Khater    |    Mortgage Performance

Jumbo Conforming Spread in Basis Points

The Federal Housing Finance Administration has confirmed there will be a new conforming loan limit next year. For the first time in a decade, the loan limit will increase, from $417,000 to $424,100. What will the effect of this one percent plus rise be? Maybe not as much as it has in the past.

That’s because the inversion of the conforming and jumbo lending interest rates...

Housing Credit Index: Third Quarter 2016

Loans Originated in The Third Quarter Were Higher in Credit Quality Than One Year Ago

Archana Pradhan    |    Mortgage Performance

Overall Housing Credit Index
  • CoreLogic’s Housing Credit Index (HCI) found mortgage loans originated during the third quarter of 2016 continued to exhibit low credit risk versus the previous quarter and one year earlier.
  • The average credit score for homebuyers increased 5 points between the third quarter of 2015 and the third quarter of 2016, rising from 734 to 739.
  • The average DTI...
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