Introduction to Mortgage Servicing Examinations Training - March 2023

Delinquency, % of 61-90 days delinquent

All Loans Modified < a year Modified > a year Filing Quarter All Loans Modified < a year Modified > a year Filing Quarter All Loans Modified < a year Modified > a year Filing Quarter All Loans Modified < a year Modified > a year Filing Quarter

0.90% 0.00% 5.40% 2020Q4 0.58% 2.35% 3.87% 2021Q4

1.20% 2.17% 5.70% 2020Q3 0.54% 0.00% 1.12% 2021Q3

2.30% 3.28% 13.36% 2020Q2 0.78% 9.51% 6.14% 2021Q2

0.75% 0.00% 1.52% 2021Q1

0.88% 3.94% 15.40% 2020Q1

2021Q4

2021Q3

2021Q2

2021Q1

$8,578,207 $899,688 $370,699

$7,250,872

$9,440,989 $818,423 $659,434

$8,983,385

$0

$0

$157,878

$159,357

2020Q4

2020Q3

2020Q2

2020Q1

$10,537,927

$12,472,535

$23,424,281

$9,293,625 $174,942 $836,313

$0

$129,108 $367,116

$171,356 $716,463

$493,611

Delinquency Ratio 61-90 Days

35%

30%

25%

20%

15%

10%

5%

0%

2018Q1

2018Q2

2018Q3

2018Q4

2019Q1

2019Q2

2019Q3

2019Q4

2020Q1

2020Q2

2020Q3

2020Q4

2021Q1

2021Q2

2021Q3

2021Q4

Filing Quarter

All Loan (61-90 Days)

Modified with in a year (61-90 Days)

Modified over a year (61-90 Days)