Mortgage Trends eNewsletters
Core Mortgage Risk Monitor
The Core Mortgage Risk Monitor (CMRM) is a quarterly publication tracking an economic index that forecasts the relative risk of residential mortgage loan delinquencies due to fraud propensity and collateral risk, house price dynamics, and the health of the local market economy. An elevated Core Mortgage Risk Index signals the increased potential for financially disruptive and costly economic consequences for consumers, their local community, and mortgage financiers.
The Core Mortgage Risk Monitor provides important, insightful trend analysis and forecasting, including in-depth examination of the top high-risk and low-risk U.S. markets, and the new National Core Mortgage Risk Index Trend, which offers a detailed analysis of the all-important "whens, wheres and whys" of mortgage risk trends over the past three years.
| Issue | Detail | Date |
|---|---|---|
| Q1 | 2008 | Relative to the base period of Q1 2002, the Q1 2008 Core Mortgage Risk Index (CMRI) (Exhibit 2) increased by 23% and by 9% from Q4 2007. For the third quarter in a row the index continued to rise from the level on which the index is based – a period near the end of the last U.S. economic recession... | 01/2008 |
| Q4 | 2007 | Relative to the base period of Q1 2002, the Q4 2007 Core Mortgage Risk Index (exhibit 2) increased by 1.1% and by 1.6% from Q3 2007... | 10/2007 |
| Q3 | 2007 | Relative to the base period of Q1 2002, the Q3 2007Core Mortgage Risk Index (exhibit 2) increased by 5% and from the previous quarter (Q2 2007) by 4.4%... | 07/2007 |
| Q2 | 2007 | Relative to the base period of Q1 2002, the Q2 2007 Core Mortgage Risk Index (exhibit 2) is holding relatively steady, posting a small, 6% increase, bringing the index back to the base period level... | 04/2007 |
| Q1 | 2007 | CMRM data from Q4 2006 indicates a number of emerging trends for the fi rst six months of 2007... | 01/2007 |
MarketPulse
MarketPulse, the quarterly voice of LoanPerformance, offers an unparalleled nationwide reality check of current and historical delinquency and prepayment trends, early warning on metro areas, states, and regions beginning to show signs of payment distress and powerful insights from leading thinkers on the mortgage finance and securities marketplace.
| Issue | Detail | Date |
|---|---|---|
| June 2007 Data | As hybrid arms reset, voluntary prepays should get more attention. The data suggest that subprime borrowers were refinancing at rates that match long-run experience. The new FHA secure plan should offer some support, but an economy that may be slowing means more challenges. | 12/10/2007 |
| March 2007 data | The information source you need to stay current in the mortgage marketplace | 08/13/2007 |
| December 2006 data | While the structured finance community has been fixated on the dramatic credit deterioration in the past 6 months, the spotlight has mostly focused on subprime sectors. | 04/09/2007 |
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