Introduction to Mortgage Servicing Examinations Training

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

0.38% 9.46% 3.41% 2024Q4 2023Q4 0.27% 0.00% 0.00%

0.36% 3.33% 5.65% 2024Q3 2023Q3 0.20% 0.00% 0.00%

0.23% 5.56% 3.92% 2024Q2 2023Q2 0.19% 0.00% 1.46%

0.12% 0.00% 0.00% 2024Q1 2023Q1 0.26% 1.43% 1.74%

2024Q4

2024Q3

2024Q2

2024Q1

73

62

40

20

7

2

3

0 0

12

20

14

2023Q4

2023Q3

2023Q2

2023Q1

43

31

25

36

0 0

0 0

0 5

1 6

Delinquency Ratio 61-90 Days

11%

10%

9%

8%

7%

6%

5%

4%

3%

2%

1%

0%

Filing Quarter

All Loan (61-90 Days)

Modified with in a year (61-90 Days)

Modified over a year (61-90 Days)