From Black Knight: Black Knight’s First Look: January’s Prepayment Rate Lowest in More Than 18 Years as Seasonal Home Sale Reductions Outweigh Rise in Refinance Incentive
The percent of loans in the foreclosure process decreased 2.2% in January and were down 22.4% over the last year.
Black Knight reported the U.S. mortgage delinquency rate (loans 30 or more days past due, but not in foreclosure) was 3.75% in January, down from 3.88% in December.
The percent of loans in the foreclosure process decreased slightly in January to 0.51% from 0.52% in December.
The number of delinquent properties, but not in foreclosure, is down 257,000 properties year-over-year, and the number of properties in the foreclosure process is down 72,000 properties year-over-year.
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• The national delinquency rate fell by 3.5 percent and is now nearly 13 percent below last year’s levelAccording to Black Knight's First Look report for January, the percent of loans delinquent decreased 3.45% in January compared to December, and decreased 12.9% year-over-year.
• Foreclosure starts rose seasonally month-over-month but were down more than 19 percent year-over-year
• The number of loans in active foreclosure continued its downward trend; there are now 265,000 active foreclosures, down 72,000 from one year ago
...
• Despite recent declines in interest rates, January’s prepayment rate was the lowest since November 2000
• Seasonal reductions in home sales outweighed any early, rate-driven rise in refinance incentive
The percent of loans in the foreclosure process decreased 2.2% in January and were down 22.4% over the last year.
Black Knight reported the U.S. mortgage delinquency rate (loans 30 or more days past due, but not in foreclosure) was 3.75% in January, down from 3.88% in December.
The percent of loans in the foreclosure process decreased slightly in January to 0.51% from 0.52% in December.
The number of delinquent properties, but not in foreclosure, is down 257,000 properties year-over-year, and the number of properties in the foreclosure process is down 72,000 properties year-over-year.
| Black Knight: Percent Loans Delinquent and in Foreclosure Process | ||||
|---|---|---|---|---|
| Jan 2019 |
Dec 2018 |
Jan 2018 |
Jan 2017 |
|
| Delinquent | 3.75% | 3.88% | 4.31% | 4.25% |
| In Foreclosure | 0.51% | 0.52% | 0.66% | 0.94% |
| Number of properties: | ||||
| Number of properties that are delinquent, but not in foreclosure: | 1,945,000 | 2,013,000 | 2,202,000 | 2,162,000 |
| Number of properties in foreclosure pre-sale inventory: | 265,000 | 271,000 | 337,000 | 481,000 |
| Total Properties | 2,210,000 | 2,283,000 | 2,539,000 | 2,643,000 |
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