National Foreclosure Report

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1 National Foreclosure Report SEPTEMBER 20

2 3.1% In September, the foreclosure inventory was down 3.1 percent from August 20, representing 59 months of consecutive year-overyear declines. September s serious delinquency rate dropped by 25 percent compared to a year earlier, the third consecutive monthly acceleration in the rate of decline. This improvement is continued evidence of the recovery in the housing market, especially given that the decreases were fairly uniform in most cities across the country. Frank Nothaft, chief economist at CoreLogic 20 CoreLogic Proprietary. This material may not be reproduced in any form without express written permission. 2

3 National Overview through September 20 There Were 36,000 Completed Foreclosures Nationally, Down From 39,000 in September 2015 Seriously Delinquent Rate Is at 2.6 Percent Lowest Level Since August 2007 Approximately 340,000 homes in the United States were in some stage of foreclosure Compared to 493,000 in September 2015 Completed Foreclosures 36K 7.0% 3.1% in September 20 Decline Year Over Year Compared to September 20 A CoreLogic analysis shows 36,000 foreclosures were completed in September 20, a 7.0 percent year-overyear decline from 39,000* in September By comparison, before the decline in the housing market in 2007, completed foreclosures averaged 21,000 per month nationwide between 2000 and On a month-over-month* basis, completed foreclosures were down by 3.1 percent. Completed foreclosures are an indication of the total number of homes actually lost to foreclosure. * September 2015 data was revised. Revisions with public records are standard and to ensure accuracy, CoreLogic incorporates newly released data to provide updated results. 20 CoreLogic Proprietary. This material may not be reproduced in any form without express written permission. SEPTEMBER 20 3

4 National Foreclosure Inventory THE FORECLOSURE RATE, CURRENTLY AT 0.9 PERCENT, IS BACK TO AUGUST 2007 LEVELS. 31.1% 0.9% Compared to September 2015 Of All Homes with a Mortgage Approximately 340,000 homes in the United States were in some stage of foreclosure as of September 20, compared to 493,000 in September* 2015, a decrease of 31.1 percent. This was the 59th consecutive month with a year-over-year decline. As of September 20, the foreclosure inventory represented 0.9 percent of all homes with a mortgage, compared to 1.3 percent in September * September 2015 data was revised. Revisions with public records are standard and to ensure accuracy, CoreLogic incorporates newly released data to provide updated results. Completed foreclosures have fallen by a total of more than 100,000 homes during the 12 months prior to September 20. The decline in foreclosures is one of the drivers in the drop in vacancies, which is positive for homeowners and communities. Heading into 2017 we see that prices, performance and production the three most important drivers of the real estate market are all improving. Anand Nallathambi, president and CEO of CoreLogic 20 CoreLogic Proprietary. This material may not be reproduced in any form without express written permission. 4

5 Time Series National Overview *in Thousands OCT- 15 NOV- 15 DEC- 15 JAN- FEB- MAR- APR- MAY- JUN- JUL- AUG- SEP- Serious Delinquency* 1,327 1,288 1,275 1,275 1,228 1,177 1,152 1,123 1,158 1,103 1,041 1,014 -MOM % Chg in # -1.7% -2.9% -1.0% 0.0% -3.8% -4.2% -2.1% -2.5% 3.1% -4.7% -5.6% -2.6% -YOY % Chg in # Foreclosure Inventory* -MOM % Chg in # -YOY % Chg in # -19.7% -22.0% -21.7% -20.7% -21.5% -20.8% -20.5% -20.9% -.3% -20.7% -23.8% -24.8% % -2.9% 0.4% -3.9% -1.9% -3.9% -4.8% -3.0% -5.1% -2.1% -3.5% -3.1% -21.5% -21.7% -20.8% -23.1% -22.9% -24.0% -24.1% -24.4% -27.0% -27.6% -29.8% -31.1% 2.6% THE PERCENTAGE OF MORTGAGES IN SERIOUS DELINQUENCY IS AT 2.6 PERCENT IN SEPTEMBER 20 Completed Foreclosures* MOM % Chg in # 2.9% -12.9% 1.9% 10.7% -11.9% 6.9% -2.8% -8.9% 8.2% -26.7% 32.3% 5.2% -YOY % Chg in # -23.4% -17.3% -15.9% -15.4% -9.4% -13.5% -18.4% -20.6% -13.1% -36.9% -46.5% -7.0% -12-Month Sum* THE FORECLOSURE INVENTORY RECORDED 59 STRAIGHT MONTHS OF DECLINES. 20 CoreLogic Proprietary. This material may not be reproduced in any form without express written permission. SEPTEMBER 20 5

6 Foreclosure Inventory by State % 0.8% 1.1% 0.5% 0.4% 0.5% 0.5% 0.5% 0.7% 0.7% 0.4% 0.6% 1.1% 1.0% 1.1% 0.9% 1.1% 0.6% 0.4% 1.8% 0.5% 2.8% 1.0% 1.2% 1.4% 1.1% 3.0% 1.1% 1.4% 1.7% states have an inventory of foreclosed homes lower than the national rate 1.5% 1.2% 0.5% 0.7% 1.0% 0.6% 0.4% 1.0% 0.7% 0.5% 0.5% 1.6% 1.8% Twenty-one states Showed declines of more than 30 percent in year-over-year foreclosure inventory, with Washington ( 41.6%) and Florida ( 40.4%) experiencing the greatest year-over-year declines As of September 20 Source: CoreLogic Market Trends 3.0% Four states and the District of Columbia with the highest foreclosure inventory as a percentage of mortgaged homes New Jersey New York Maine Hawaii D.C. 1.6% 1.8% 1.8% 2.7% 3.0% Five states with the lowest foreclosure inventory as a percentage of mortgaged homes Colorado Minnesota Arizona Michigan Utah 20 CoreLogic Proprietary. This material may not be reproduced in any form without express written permission. 6

7 State Highlights 53,000 These five states account for almost half of completed foreclosures during the past 12 months. 27,000 24,000 23,000 21, FL TX MI OH GA Five states with the highest number of completed foreclosures during past 12 months DC ND WV AK MT Four states and the District of Columbia, with the lowest number of completed foreclosures during past 12 months Percent of Homes in Foreclosure CO MN AZ CA UT MI AK VA NE MT MO TN WY ID ND NH GA SD TX AL NC WI WV WA AR KS IA MS OR KY SC MA LA IN VT MD IL NV OH PA OK NM DE CT RI DC FL ME HI NY NJ * VT and SD were removed from the list for incomplete data 0% 1% 2% 3% 4% 5% Judicial Non-Judicial Forty-eight states posted a year-over-year, double-digit decline in foreclosures. Source: CoreLogic September CoreLogic Proprietary. This material may not be reproduced in any form without express written permission. SEPTEMBER 20 7

8 State Foreclosure Data Judicial States JUDICIAL STATES FORECLOSURE INVENTORY FORECLOSURE INVENTORY PCT. CHANGE FROM A YEAR AGO COMPLETED FORECLOSURES (12 MONTHS ENDING SEPTEMBER 20) SERIOUS DELINQUENCY RATE National Foreclosure Inventory Rate: 0.90% Foreclosure Inventory Pct. Change from a Year Ago: 31.1% Completed Foreclosures (12 months ending September 20): 418,015 Serious Delinquency: 2.6% Serious Delinquency Pct.Change from a Year Ago: 24.8% YOY Florida 1.6% 40.4% 53, % Ohio 1.1% 22.2% 23, % Pennsylvania 1.1% 30.6% 19, % New York 2.7% 27.2% 14, % New Jersey 3.0% 36.0% 14, % Illinois 1.1% 29.7% 13, % Indiana 1.0% 27.1% 13, % Maryland 1.1% 34.6% 7, % Oregon 0.8% 39.5% 7, % South Carolina 0.9% 26.1% 7, % Oklahoma 1.2% 22.2% 7, % Louisiana 1.0% 20.5% 5, % Wisconsin 0.5% 24.4% 4, % Kentucky 0.9% 27.3% 3, % Kansas 0.7% 26.4% 3, % Connecticut 1.4% 25.8% 2, % New Mexico 1.5% 29.0% 2, % Delaware 1.4% 27.9% 1, % Maine 1.8% 11.9% % Hawaii 1.8% 30.7% % North Dakota 0.5%.7% % Vermont 1.1% 13.9%. 2.3% Source: CoreLogic September CoreLogic Proprietary. This material may not be reproduced in any form without express written permission. 8

9 State Foreclosure Data Non-Judicial States NON JUDICIAL STATES FORECLOSURE INVENTORY FORECLOSURE INVENTORY PCT. CHANGE FROM A YEAR AGO COMPLETED FORECLOSURES (12 MONTHS ENDING SEPTEMBER 20) SERIOUS DELINQUENCY RATE Texas 0.5% 23.8% 27, % Michigan 37.3% 24, % Georgia 0.5% 26.2% 20, % California 32.4% 20, % North Carolina 0.6% 28.1% 14, % Virginia 0.4% 27.7% 11, % Tennessee 0.4% 27.8% 11, % Missouri 0.4% 32.0% 10, % Washington 0.6% 41.6% 10, % Arizona 27.7% 9, % Alabama 0.5% 25.9% 8, % Nevada 1.1% 36.1% 6, % Massachusetts 1.0% 31.5% 5, % Minnesota 34.9% 4, % National Foreclosure Inventory Rate: 0.90% Foreclosure Inventory Pct. Change from a Year Ago: 31.1% Completed Foreclosures (12 months ending September 20): 418,015 Serious Delinquency: 2.6% Serious Delinquency Pct.Change from a Year Ago: 24.8% YOY Arkansas 0.7% 32.4% 4, % Colorado 37.6% 3, % Iowa 0.7% 30.9% 2, % Idaho 0.5% 37.1% 2, % Utah 28.1% 1, % Rhode Island 1.2% 34.2% 1, % New Hampshire 0.5% 29.7% 1, % Nebraska 31.7% 1, % Mississippi 0.7% 31.4% % Wyoming 0.5% 15.3% % Montana 0.4% 26.6% % Alaska 8.3% % West Virginia 0.6% 19.0% % District of Columbia 1.6% 30.0% % South Dakota 0.5% 15.9%. 1.3% Source: CoreLogic September CoreLogic Proprietary. This material may not be reproduced in any form without express written permission. SEPTEMBER 20 9

10 Metropolitan Area Highlights Foreclosure Data for the Largest Core Based Statistical Areas (CBSAs) METROPOLITAN AREA FORECLOSURE INVENTORY FORECLOSURE INVENTORY PCT. CHANGE FROM A YEAR AGO COMPLETED FORECLOSURES (12 MONTHS ENDING SEPTEMBER 20) SERIOUS DELINQUENCY RATE New York-Jersey City-White Plains, NY-NJ 2.6% 31.1% 7, % Chicago-Naperville-Arlington Heights, IL 1.2% 32.0% 6, % Miami-Miami Beach-Kendall, FL 2.2% 36.6% 5, % Houston-The Woodlands-Sugar Land, TX 0.4% 29.7% 5, % Las Vegas-Henderson-Paradise, NV 1.2% 35.2% 5, % Washington-Arlington-Alexandria, DC-VA- MD-WV 0.8% 30.1% 4, % Los Angeles-Long Beach-Glendale, CA 0.4% 33.4% 3, % Boston, MA 0.9% 33.0% 1, % Denver-Aurora-Lakewood, CO 0.2% 39.4% 1, % San Francisco-Redwood City-South San Francisco, CA 0.1% 33.4% 5 0.5% Source: CoreLogic September CoreLogic Proprietary. This material may not be reproduced in any form without express written permission. 10

11 National Foreclosure Report Methodology The data in this report represents foreclosure activity reported through September 20. This report separates state data into judicial versus non-judicial foreclosure state categories. In judicial foreclosure states, lenders must provide evidence to the courts of delinquency in order to move a borrower into foreclosure. In non-judicial foreclosure states, lenders can issue notices of default directly to the borrower without court intervention. This is an important distinction since judicial states, as a rule, have longer foreclosure timelines, thus affecting foreclosure statistics. A completed foreclosure occurs when a property is auctioned and results in the purchase of the home at auction by either a third party, such as an investor, or by the lender. If the home is purchased by the lender, it is moved into the lender s real estate-owned (REO) inventory. In foreclosure by advertisement states, a redemption period begins after the auction and runs for a statutory period, e.g., six months. During that period, the borrower may regain the foreclosed home by paying all amounts due as calculated under the statute. For purposes of this Foreclosure Report, because so few homes are actually redeemed following an auction, it is assumed that the foreclosure process ends in foreclosure by advertisement states at the completion of the auction. The foreclosure inventory represents the number and share of mortgaged homes that have been placed into the process of foreclosure by the mortgage servicer. Mortgage servicers start the foreclosure process when the mortgage reaches a specific level of serious delinquency as dictated by the investor for the mortgage loan. Once a foreclosure is started, and absent the borrower paying all amounts necessary to halt the foreclosure, the home remains in foreclosure until the completed foreclosure results in the sale to a third party at auction or the home enters the lender s REO inventory. The data in this report accounts for only first liens against a property and does not include secondary liens. The foreclosure inventory is measured only against homes that have an outstanding mortgage. Generally, homes with no mortgage liens are not subject to foreclosure and are, therefore, excluded from the analysis. Approximately one-third of homes nationally are owned outright and do not have a mortgage. CoreLogic has approximately 85 percent coverage of U.S. foreclosure data. SOURCE: CORELOGIC The data provided is for use only by the primary recipient or the primary recipient s publication or broadcast. This data may not be re-sold, republished or licensed to any other source, including publications and sources owned by the primary recipient s parent company without prior written permission from CoreLogic. Any CoreLogic data used for publication or broadcast, in whole or in part, must be sourced as coming from CoreLogic, a data and analytics company. For use with broadcast or web content, the citation must directly accompany first reference of the data. If the data is illustrated with maps, charts, graphs or other visual elements, the CoreLogic logo must be included on screen or website. Data provided may not be modified without the prior written permission of CoreLogic. Do not use the data in any unlawful manner. This data is compiled from public records, contributory databases and proprietary analytics, and its accuracy is dependent upon these sources. ABOUT CORELOGIC CoreLogic (NYSE: CLGX) is a leading global property information, analytics and data-enabled solutions provider. The company s combined data from public, contributory and proprietary sources includes over 4.5 billion records spanning more than 50 years, providing detailed coverage of property, mortgages and other encumbrances, consumer credit, tenancy, location, hazard risk and related performance information. The markets CoreLogic serves include real estate and mortgage finance, insurance, capital markets, and the public sector. CoreLogic delivers value to clients through unique data, analytics, workflow technology, advisory and managed services. Clients rely on CoreLogic to help identify and manage growth opportunities, improve performance and mitigate risk. Headquartered in Irvine, Calif., CoreLogic operates in North America, Western Europe and Asia Pacific. For more information, please visit CORELOGIC, the CoreLogic logo are trademarks of CoreLogic, Inc. and/or its subsidiaries. CONTACT For more information, please pyee@corelogic.com. 20 CoreLogic Proprietary. This material may not be reproduced in any form without express written permission. SEPTEMBER 20 11

12 For an expanded perspective on housing economies and property markets, visit the CoreLogic Insights Blog and follow us on: CoreLogic Insights On The Go. Download our free App now: CoreLogic CoreLogic Econ corelogic.com 20 CoreLogic, Inc. All rights reserved. CORELOGIC and the CoreLogic logo are trademarks of CoreLogic, Inc. and/or its subsidiaries. All other trademarks are the property of their respective holders. 17-NFR-SEP-11-01

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