ICE Mortgage Technology

Record-breaking FTHB activity in 2023 sparks performance risk worries for mortgage-backed securities, urges industry adaptation to evolving market dynamics.

National delinquency rate drops 5.48% while foreclosure starts increase.

Intercontinental Exchange, Inc. data reveals a 5% drop in income share for median home purchases, alongside rising home equity and increased refinance incentives, signaling a more favorable real estate environment.

Unusual Sunday month-end contributes to delinquency increase; serious delinquencies dip, foreclosures reach 18-month low, and prepayments rise in housing market.

Annual home price surge balanced by recent moderation; improved affordability boosts purchase demand amidst holiday dip.

National delinquency rates show slight increase but remain low, as FHA and VA loans face rising delinquencies; GSE mortgages stay resilient amid overall positive mortgage performance trends.