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

2021Q4 20.00% 7.46% 16.67% 2020Q4 26.09% 3.95% 1.89% 2021Q4

2021Q3 16.67% 5.73% 6.67% 2020Q3 24.66% 5.41% 0.91% 2021Q3

2021Q2 13.33% 3.49% 7.41% 2020Q2 23.73% 7.31% 2.70% 2021Q2

2021Q1 6.67% 2.15% 0.00% 2020Q1 27.59% 7.32% 4.00% 2021Q1

263

322

398

396

3

1

1

1

12

18

14

16

2020Q4

2020Q3

2020Q2

2020Q1

400

274

166

106

5

2 6

2 4

0 2

10

Delinquency Ratio 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 (90+ Days)

Modified with in a year (90+ Days)

Modified over a year (90+ Days)