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

0.63% 2.52% 4.35% 2021Q4 2020Q4 0.93% 0.00% 2021Q4 6.00%

0.62% 0.00% 1.37% 2021Q3 2020Q3 1.26% 3.33% 2021Q3 5.56%

0.85% 8.11% 6.78% 2021Q2 2020Q2 2.16% 3.70% 2021Q2 13.33%

0.72% 0.00% 1.72% 2021Q1 2020Q1 1.01% 4.35% 2021Q1 16.67%

42

37

46

39

4 2

0 1

3 4

0 1

2020Q4

2020Q3

2020Q2

2020Q1

50

60

103

50

0 3

1 2

1 4

1 5

Delinquency Ratio 61-90 Days

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)