{"id":779,"date":"2019-06-11T22:07:00","date_gmt":"2019-06-11T22:07:00","guid":{"rendered":"https:\/\/www.realtrends.com\/blog\/2019\/06\/11\/delinquent-mortgages-down-from-year-ago\/"},"modified":"2025-03-13T02:07:52","modified_gmt":"2025-03-13T02:07:52","slug":"delinquent-mortgages-down-from-year-ago","status":"publish","type":"post","link":"https:\/\/www.realtrends.com\/blog\/2019\/06\/11\/delinquent-mortgages-down-from-year-ago\/","title":{"rendered":"Delinquent Mortgages Down from Year Ago"},"content":{"rendered":"<h2>Delinquent Mortgages Down from Year Ago<\/h2>\n<p>According to a new<a href=\"http:\/\/www.corelogic.com\/insights\" target=\"_blank\" rel=\"noopener\"> report from CoreLogic<\/a>, 4% of mortgages were in some stage of delinquency (30 days or more past due, including those in foreclosure) in March 2019, a 0.3-percentage-point decline in the overall delinquency rate compared with March 2018, when it was 4.3%. This was the lowest for the month of March in 13 years.<\/p>\n<p><!--more--><\/p>\n<p>As of March 2019, the <a href=\"delinquency-rates-october-dropped-lowest-level-18-years\/\">foreclosure inventory rate<\/a> \u2013 which measures the share of mortgages in some stage of the foreclosure process \u2013 was 0.4%, down 0.2 percentage points from March 2018. March 2019 marked the fifth consecutive month that the foreclosure inventory rate remained at 0.4% and was the lowest for any month since&nbsp;at least January 1999.<br \/> <img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-58317 size-large\" src=\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2021\/01\/image011.jpg\" alt=\"\" width=\"1024\" height=\"722\"><\/p>\n<p>Measuring early-stage delinquency rates is important for analyzing the health of the mortgage market. To monitor mortgage performance comprehensively, CoreLogic examines all stages of delinquency, as well as transition rates, which indicate the percentage of mortgages moving from one stage of delinquency to the next.<\/p>\n<p>The rate for early-stage delinquencies \u2013 defined as 30 to 59 days past due \u2013 was 2% in March 2019, up from 1.8% in March 2018. The share of mortgages 60 to 89 days past due in March 2019 was 0.6%, unchanged from March 2018. The serious delinquency rate \u2013 defined as 90 days or more past due, including loans in foreclosure \u2013 was 1.4% in March 2019, down from 1.9% in March 2018. The serious delinquency rate of 1.4% this March was the lowest for that month since 2006 when it was also 1.4%.<img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-58318 size-large\" src=\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2021\/01\/image010-2-1024x566-1.jpg\" alt=\"\" width=\"1024\" height=\"566\"><\/p>\n<p>Since early-stage delinquencies can be volatile, CoreLogic also analyzes transition rates. The share of mortgages that transitioned from current to 30 days past due was 0.9% in March 2019, up from 0.7% in March 2018. By comparison, in January 2007, just before the start of the financial crisis, the current-to-30-day transition rate was 1.2%, while it peaked in November 2008 at 2%.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-58319 size-full\" src=\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2021\/01\/image013.jpg\" alt=\"\" width=\"1200\" height=\"1814\">The nation&#8217;s overall delinquency rate has fallen on a year-over-year basis for the past 15 consecutive months. However, 21 states did experience a slight increase in the overall delinquency rate in March 2019. Mississippi had the nation\u2019s highest overall delinquency rate at 8.2%, a 0.5-percentage-point gain from March 2018, while Alabama\u2019s gain was 0.3 percentage points. The other 19 states experienced annual gains of 0.1 or 0.2 percentage points.<\/p>\n<blockquote>\n<p>\u201cThe increase in the overall delinquency rate in 42% of states most likely indicates many Americans were caught off guard by their expenses in early 2019,\u201d said Frank Nothaft, chief economist at CoreLogic. \u201cA strong economy, labor market and record levels of home equity should limit delinquencies from progressing to later stages.\u201d<\/p>\n<\/blockquote>\n<p>In March 2019, 166 U.S. metropolitan areas posted at least a small annual increase in the overall delinquency rate. Some of the highest gains were in several hurricane-ravaged parts of the Southeast (in Florida, Georgia and North Carolina), and in Northern California\u2019s Chico metropolitan area, home of last year\u2019s devastating \u201cCamp Fire.\u201d<\/p>\n<blockquote>\n<p>\u201cDelinquency rates and foreclosures continue to drop through March and should decline further in the months ahead barring any serious dislocations from recent flooding in the Midwest or a severe Atlantic hurricane and\/or wildfire season on the coasts,\u201d said Frank Martell, president and CEO of CoreLogic.<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Delinquent Mortgages Down from Year Ago According to a new report from CoreLogic, 4% of mortgages were in some stage of delinquency (30 days or more past due, including those in foreclosure) in March 2019, a 0.3-percentage-point decline in the overall delinquency rate compared with March 2018, when it was 4.3%. This was the lowest [&hellip;]<\/p>\n","protected":false},"author":15802,"featured_media":4822,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3255],"tags":[],"coauthors":[],"class_list":["post-779","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-archive"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.4 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Delinquent Mortgages Down from Year Ago<\/title>\n<meta name=\"description\" content=\"Measuring early-stage delinquency rate is important for analyzing the health of the mortgage market. 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