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Mortgage Performance

National Property Tax Delinquency Declining

Matt Cannon    |    Mortgage Performance

Tax Payment Delinquency Rate on Mortgages over 2006-2014

Real estate taxes in the United States are assessed by various taxing authorities and are generally based on the value of the property, including the land. The taxes may include county, city, town, borough, school or a special assessment, such as a Municipal Utility District (MUD) tax. Different locations can have different types of property taxes. Homeowners with a mortgage typically pay...

Home Equity Part 2: Underwriting Standards

Stay High As Volumes Rise

Sam Khater    |    Mortgage Performance

Average LTV of Originations

Home equity lending, as discussed in Part One of this blog, is making a comeback. But the last time home equity—or more specifically, subprime home equity—boomed it was enabled, in part, by very loose underwriting standards, and we all know how that turned out. So how’s the underwriting this time around? In a word: tight!

A new analysis of lines and loans...

As Equity Rises, So Do Prospects for New Home Equity Lending

Part 1

Sam Khater    |    Mortgage Performance

Negative Equity Distribution

Home equity lending, for years the red-headed step child of our industry, is coming back into favor thanks to the growth in equity that millions of American homeowners are experiencing, and the improving economy.

2015 data from CoreLogic show that home equity lending has been increasing steadily in the past couple of years, with HELOC originations doubling from about a $50 billion...

Dollar Volume of Negative Equity Decreased by $8 Billion from Q2 2015 to Q3 2015

National Negative Equity Share Remains Under 10 Percent in Q3 2015

Molly Boesel    |    Mortgage Performance

The nationwide negative equity share decreased from 8.7 percent in Q2 2015 to 8.1 percent in Q3 2015, while the number of underwater loans (or those in negative equity) fell from 4.3 million to 4.1 million over the same period, according to the latest CoreLogic Equity Report . The total dollar amount of negative...

Mortgage Debt Outstanding Rose by 1 Percent in Q3 2015

The Latest Report Marks a Year of Growth in Mortgage Debt

Molly Boesel    |    Mortgage Performance

Mortgage Debt Outstanding Makes a Turn

The Federal Reserve released the third-quarter Flow of Funds1 data last week, and the results might reveal a turning point of sorts for the U.S. housing market.

Included in the Flow of Funds is the amount of mortgage debt held by households, which is a key residential housing market indicator. The accompanying chart shows the amount of mortgage debt outstanding (MDO)...

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