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Mortgage Performance

National Foreclosure Inventory Down 35.5 Percent Year Over Year in November 2014

Utah Sees Largest Improvement in Foreclosure Rate From a Year Ago

Shu Chen    |    Mortgage Performance

Today, CoreLogic reported that the national foreclosure inventory fell by 35.5 percent year over year in November 2014 to approximately 567,000 homes, or 1.5 percent of all homes with a mortgage, down from 880,000, or 2.2 percent, in November 2013. This marks 37 months of continuous year-over-year declines in the inventory of foreclosed...

What’s an Acceptable Level of Mortgage Default?

Vintage Year Analysis Reveals Room to Loosen Underwriting

Molly Boesel    |    Mortgage Performance

There will always be some amount of delinquency in the mortgage market, but what is an acceptable level? At its worst during the housing crisis, the serious delinquency (SDQ)1 rate was 8.6 percent in February 2010. Recently, CoreLogic reported that there were 1.6 million SDQ mortgages in the U.S.—a rate of 4.2 percent of all active mortgages. Overall, the SDQ rate is on the...

A Ripple, Not a Wave

Predicting the Impact from Future HELOC Loan Resets

Sam Khater    |    Mortgage Performance

The surge in mortgage debt during the mid-2000s was partly fueled by an increase in home equity lines of credit (HELOC) loans as borrowers took advantage of the rapid run-up in home prices to extract equity. Borrowers tapped home equity to supplement their incomes to provide an additional source of liquidity. Part of the reason for the soaring popularity of HELOCs was that unlike the...

Location, Location, Location - Florida Mortgage Fraud Risk Heats Up

CoreLogic 2014 Mortgage Fraud Report

Liang Tian    |    Mortgage Performance

It seems as though the old adage that real estate price is all about “location, location, location” applies to mortgage fraud as well. The CoreLogic 2014 Mortgage Fraud Report (newly released at this month’s Mortgage Fraud and Valuation Consortium Meetings) shows a...

Goldilocks and The Three Credit Bears

Is Credit Too Tight, Too Loose or Just Right?

Mark Fleming    |    Housing Trends, Mortgage Performance

One of the most pressing issues in housing finance today is the availability of credit. The lack of access to credit has been cited as a reason for the slower-than-hoped-for growth in home sales. The often cited Federal Reserve Loan Officer Survey tells us whether lenders are tightening or loosening credit, but tells us much less about the overall level of availability of credit....

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