Mortgage Delinquency Rates

Delinquency Status of FHA and VA Loans in Ginnie Mae MBS

Breakdown of loans in Ginnie Mae MBS by delinquency status. Shows total dollar volume and percent in each of four categories, current, 30-60 days late, 60-90 days late, and 90+ days late, for FHA loans with separate chart for VA loans.

1Q14-4Q16 Data

Poll

With rates higher this year, there has been talk of lenders liberalizing their underwriting standards in an effort to increase volume and make up for lower refis.

Do you think your shop will loosen standards over the coming three months?

Yes, but not by much.

47%

Yes, by a lot.

5%

Yes and, heck, we may even do non-QM lending.

14%

No, not at all.

26%

No and we may even tighten credit.

7%