Introduction to Mortgage Servicing Examinations Training - March 2023

Sum of States Delinquency Ratio of 30+ Days

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

141,658 2021Q4 48.49% 12.35% 33.91% 2020Q4 42.12% 7.93% 11.99% 2021Q4

152,053 2021Q3 10.74% 28.15% 43.02% 2020Q3 45.64% 9.77% 9.57% 2021Q3

9.62% 30.33% 37.48% 2020Q2 47.48% 10.98% 12.23% 2021Q2

6.85% 30.37% 34.64% 2020Q1 46.40% 11.21% 19.45% 2021Q1

151,830 2021Q2

151,223 2021Q1

4,874 4,886

2,532 7,950

1,130 8,212

1,335 7,341

162,244 2020Q4

124,954 2020Q3

106,705 2020Q2

76,658 1,559 2,939 2020Q1

2,251 7,068

1,534 4,785

1,573 3,646

Delinquency Ratio of 30+ Days

90%

80%

70%

60%

50%

40%

30%

20%

10%

0%

2018Q1

2018Q2

2018Q3

2018Q4

2019Q1

2019Q2

2019Q3

2019Q4

2020Q1

2020Q2

2020Q3

2020Q4

2021Q1

2021Q2

2021Q3

2021Q4

Filing Quarter

All Loan

Modified with in a year

Modified over a year