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LATEST CORELOGIC ECON TWEETS

Ability-to-Leverage Drives Foreclosure Risk

Despite A Static Homeownership Rate Last Five Decades, Default Risk Exponentially Higher

Sam Khater    |    Mortgage Performance

Leverage is known to play an important role in loan default, but while theoretical research on leverage exists; to our knowledge there has been virtually no long-term data driven empirical analysis on the impact of leverage on residential foreclosure. We assembled data from various sources to fill that void and examine the role leverage plays in mortgage foreclosures over the last five...

FHA Premium Pricing

How Consumers Are Winning

Stuart Quinn    |    Housing Policy

The Administration’s housing policy announcements continue to modify parts of the engine of the mortgage housing finance system. On January 8, 2015, the President delivered a speech in Arizona alongside Julian Castro, secretary of the Department of Housing and Urban Development (HUD), announcing a half percentage point reduction in the Federal Housing Administration’s (FHA)...

Despite Stable Mortgage Application Fraud Levels, HELOC Fraud Risk Appears To Be Rising

Equity Unlocks Latest Trend in Mortgage Application Fraud

Xiaolin Tan    |    Mortgage Performance

By and large, across the twelve loan segments the CoreLogic Mortgage Application Fraud Index monitors, the sources and frequency of mortgage fraud have transitioned post-crisis to their current state of continued recovery. An exception is HELOC (Home Equity Line of Credit) fraud risk which has been on the rise in parallel with the growth in home equity lending levels over the past eighteen...

How Have Homeowners’ Incomes Changed Over Time?

A Homeowner Income Index Shows Some Surprising Results

Kathryn Dobbyn    |    Mortgage Performance

Income inequality and wage stagnation have garnered greater attention in the backdrop of the continuing recovery from The Great Recession. These issues been addressed by the national news media, Notably economists and politicians, and at some length here at CoreLogic. It was during the course of one of these internal discussions that questions arose regarding the nature of incomes and...

At Current Rate of Decline, Cash Sales Share Should Reach Pre-Crisis Levels in 2017

Cash Sales Made Up 35 Percent of Total Home Sales in October 2014

Molly Boesel    |    Housing Trends

Cash sales made up 35.5 percent of total home sales in October 2014, down from 38.7 percent in October 2013. The year-over-year share has fallen each month since January 2013, making October the 22nd consecutive month of declines. Month over month, the cash sales share ticked up by half of a percentage point, as is typical for the fall and winter months. Due to seasonality in the...

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