Introduction to Mortgage Servicing Examinations Training - March 2023

Delinquency, % of 90+ days delinquent

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

3.89% 1.61% 28.92% 2021Q4 7.53% 14.83% 22.03% 2020Q4

5.35% 1.09% 25.70% 2021Q3 6.14% 10.04% 17.70% 2020Q3

7.39% 3.66% 24.96% 2021Q2 3.72% 8.76% 12.87% 2020Q2

7.41% 5.45% 29.61% 2021Q1 2.18% 0.00% 7.55% 2020Q1

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

2021Q4

2021Q3

2021Q2

2021Q1

$57,489,722 $617,212 $2,771,356

$71,503,889 $296,389 $3,613,029

$89,829,756 $314,853 $2,682,595

$88,607,749 $314,853 $3,102,672

2020Q4

2020Q3

2020Q2

2020Q1

$88,176,638 $959,408 $2,014,261

$63,584,157 $596,953 $1,140,221

$37,879,413

$23,082,651

$458,082 $690,124

$0

$409,920

Delinquency Ratio 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 (90+ Days)

Modified with in a year (90+ Days)

Modified over a year (90+ Days)