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E Bank of San Francisco September 2011 Working Paper 2011-25 http://www.frbsf.org/publications/economics/papers/2011/wp11-25bk.pdf The views in this paper are solely the responsibility of the authors and should not be interpreted as reflecting the views of the Federal Reserve Banks of San Francisco and Atlanta or the Board of Governors of the Federal Reserve System. Prepayment and Delinquency in the Mortgage Crisis Period September 2011 John Krainer and Elizabeth Laderman Abstract We s.
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Krainer FAQ
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Serious delinquency rates for both types of subprime mortgages were around 5 percent in mid-2005, but by July 2008 rose to over 28 percent for purchase mortgages and over 18 percent for refinancings.
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CharacteristicDelinquency rate on all loansDelinquency rate on single-family residential mortgages2009-01-015.72%8.01%2008-10-014.9%6.58%2008-07-013.69%5.28%2008-04-013.19%4.36%9 more rows • Nov 28, 2023
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Serious delinquency rates for both types of subprime mortgages were around 5 percent in mid-2005, but by July 2008 rose to over 28 percent for purchase mortgages and over 18 percent for refinancings.
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2008. By August 2008, 9.2% of all U.S. mortgages outstanding were either delinquent or in foreclosure. By September 2009, this had risen to 14.4%. Between August 2007 and October 2008, 936,439 US residences completed foreclosure.
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CharacteristicDelinquency rate on all loansDelinquency rate on single-family residential mortgages2009-01-015.72%8.01%2008-10-014.9%6.58%2008-07-013.69%5.28%2008-04-013.19%4.36%9 more rows • Nov 28, 2023
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On a year-over-year basis, total mortgage delinquencies increased for all loans outstanding. The delinquency rate decreased by 2 basis points for conventional loans, increased 98 basis points for FHA loans, and increased 5 basis points for VA loans from the previous year.
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'Subprime mortgages' Defaulting on such loans was one of the triggers for the 2007-2010 financial crisis, with subprime delinquency rates reaching almost 26 percent around this time.
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The foreclosure crisis was a period of drastically elevated property seizures in the U.S. housing market between 2007 and 2010. Prior to and during the crisis, mortgage servicing companies processed large numbers of loans without adequate review of the information accompanying them.
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