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Blog Entries by Archana Pradhan

Where Did Homebuyers Want to Buy in the Washington, D.C. Area in 2017?

Data Shows a Net Outward Migration from Core to More Affordable Adjacent Counties

Archana Pradhan    |    Housing Trends

Figure 1 Intercounty Application Flows in Washington D.C. Area

The CoreLogic Loan Application Database offers a unique opportunity to analyze the most recent homebuyer mobility and migration trends. Based on the data, among the Washington, D.C. Area residents who applied for home-purchase mortgage loans during 2017, about 53 percent applied to buy within the same city or county they currently lived in, while 31 percent applied to buy elsewhere in the...

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)...

Millennial Homebuyers Are Not All the Same

Older Millennials Closer to Generation Xers than to Younger Millennials

Archana Pradhan    |    Housing Trends

Average Credit Score by Generation

Millennials, born from 1981 to 1997, accounted for 40 percent of homebuyer loan applications during January to September of this year.[1] However, there are notable differences between the younger millennial homebuyers (born 1990 to 1997) and older millennial homebuyers (born 1981 to 1989).  Often, younger millennials have less credit history (and...

Comparing Performance of Adjustable-Rate Mortgages and Fixed-Rate Mortgages

Today’s ARMs Have Lowest Delinquency Rate

Archana Pradhan    |    Mortgage Performance

In a previous blog, Is the Adjustable-Rate Mortgage Making a Come Back, we learned that adjustable-rate mortgages (ARMs) originated currently have lower credit risk characteristics than ARMs of a decade earlier, and have lower...

Where are Dallas County Residents Buying Homes?

Most Buy in Dallas County, but 22 Percent Buy Elsewhere

Archana Pradhan    |    Housing Trends

Dallas Country

In the last blog on state household mobility, we found that there was more migration from high-cost states, such as California and New York, to more affordable states, such as Florida and Texas, than the other way around. As an example, for every...

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