Tagged: mortgage delinquency

MBA points to refinancing challenges and higher borrowing costs as commercial mortgage performance remains mixed

ICE data shows overall mortgage performance remained stable in April, but late-stage delinquencies and foreclosure inventory continued rising above year-ago levels

Diverging borrower profiles reshape risk, underwriting, and pipeline outlook as new credit scoring models loom

Rates rise across key property types, with CMBS and office exposure driving risk into 2026

A new report from ATTOM shows vacancy and zombie foreclosure rates remain low nationwide, highlighting strong homeowner equity, limited property abandonment, and continued housing supply constraints despite ongoing foreclosure activity

TransUnion forecasts mortgage originations will continue rising through 2026, as easing rates, improving affordability, and strong consumer demand support purchase activity and a gradual refinance recovery

Foreclosure filings rose 32% year-over-year in January, marking the 11th consecutive monthly annual increase, as higher rates and affordability pressures drive localized mortgage stress, though overall volumes remain well below historic crisis levels

Mortgage delinquencies nationwide rose to 4.26% in Q4 2025, with FHA loans driving the increase amid expiring relief measures and uneven labor market conditions

Household debt climbed in Q4 2025 as mortgage balances and delinquencies edged higher, highlighting emerging credit stress and renewed second-lien opportunity for originators heading into 2026

Fannie Mae’s December 2025 report shows modest growth in its guaranty book and largely stable credit conditions, with delinquency rates near historic lows despite elevated mortgage rates and slower home sales