Delinquencies

Late payments on VA loans were up markedly within the first quarter, in contrast to other products, according to new Mortgage Bankers Association data.

What recent patterns in FHA delinquencies, distressed loan outcomes, foreclosures and the rates at which loans are prepaying or underwater can reveal about where the market is headed.

Lower commodity prices and decreases in government assistance are expected to push farm income lower this year and raise credit risk for banks.

The Mortgage Bankers Association's preliminary first half 2023 analysis shows the highest jump since the 2000s housing boom. Here's what might happen next.

The quarterly rise in late payments on Federal Housing Administration loans was more than five times the increase for home loans overall.

Consumer delinquencies Vantagescore tracked during November generally were above pre-pandemic levels as shopping season began. Mortgages remained the exception.

The delinquency rate that Kroll Bond Rating Agency tracks improved last month but JER's recent Chapter 11 filing and 2024 forecasts suggest it's still under pressure.

Income-producing loans secured by real estate are under pressure at banks, the government-sponsored enterprises, insurers, and in CMBS to varying degrees.

Stress tests suggest systemically important depositories could weather current risks. Meanwhile, single-family arrears remain low, but that business could be impacted.

The market could find out next year how well foreclosure prevention innovations and home equity protect borrowers from growing strains on affordability.