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Mortgage Performance

PLRMBS Issuance: Resurgence?

A Closer Look at the Private Label Lending Product

Patrick Kiser    |    Mortgage Performance

Figure 1: PLRMBS Vintage - Deal Count

While issuance volumes are nowhere near pre-crisis levels, the Private Label Residential Mortgage Backed Securities (PLRMBS) market has continued to provide access to funding for mortgage loans that don’t conform to the current tight credit markets. We observe a cycle starting in 2009 where a limited number of PLRMBS issues have made it to market through 144A rule offerings with deal...

Loan Performance Insights Report Highlights: November 2017

Delinquencies Remain Elevated in Hurricane-Affected Areas

Molly Boesel    |    Mortgage Performance

Figure 1: Current-to-30-Day Transition Rate
  • The National delinquency rate fell slightly year over year in November
  • Florida had the highest delinquency rate in November
  • Miami’s delinquency rate the highest among 10 largest metros in November  

In November 2017, 5.1 percent of home mortgages were in some stage of delinquency, down from 5.2 percent a year earlier and the lowest for...

It’s Time To Focus On the Underwriter

Improving income verification and calculation by leveraging digitized data and technology

Eric Connors    |    Mortgage Performance


One of the big stories in 2017 has revolved around the innovations at the front-end of the digital mortgage experience. New point of sale (POS) solutions have made significant headway in taking the pain and hassle out of applying for a mortgage. Lost in all the industry headlines, however, is the ongoing disconnect between the digital consumer experience and the cobbled together, often manual...

Loan Performance Insights Report Highlights: October 2017

Early-Stage Mortgage Delinquencies Elevated Post Hurricanes

Molly Boesel    |    Mortgage Performance

Loan Performance Insights
  • Early-stage delinquencies increased from a year ago
  • Florida and Texas among states with the highest delinquency rates in October
  • Miami’s delinquency rate the highest among metros in October

In October 2017, 5.1 percent of home mortgages were in some stage of delinquency, down from 5.2 percent a year earlier and the lowest for any October since...

Housing Credit Index: Third Quarter 2017

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

Archana Pradhan    |    Mortgage Performance

  • The CoreLogic Housing Credit Index (HCI) shows higher credit risk in Q3 2017 compared with Q3 2016, but it remained within the range exhibited during the early 2000s.
  • The average credit score for all borrowers – purchase and refinance combined – slightly dropped year over year from 743 in Q3 2016 to 742 in Q3 2017.
  • The average loan-to-value ratio (LTV)...
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