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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)...

Loan Performance Insights Report Highlights: September 2017

Impact of Hurricanes Evident in September Delinquency Numbers

Molly Boesel    |    Mortgage Performance

  • Early-stage delinquencies increased from a year ago
  • The current- to 30-day transition rate rose sharply from year ago
  • Houston and Miami posted large increases in delinquencies in September following hurricanes Harvey, Irma and Maria 

In September 2017, 5 percent of home mortgages were in some stage of delinquency, down from 5.2 percent a...

Loan Performance Insights Report Highlights: August 2017

Foreclosure Inventory Rate Fell Back to Pre-Crisis Level in August 2017

Molly Boesel    |    Mortgage Performance

  • The current- to 30-day transition rate held steady in August 2017 from a year earlier
  • North Dakota had the lowest delinquency rate of any state
  • San Francisco had the lowest delinquency rate of the largest metro areas

In August 2017, 4.6 percent of home mortgages were in some stage of delinquency, down from 5.2 percent a year earlier and the lowest for...

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...

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