Introduction to Mortgage Servicing Examinations Training

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

2024Q4 3.99% 1.04% 2.22% 2023Q4 7.39% 0.95% 21.62% 2024Q4

2024Q3 3.48% 0.86% 0.00% 2023Q3 6.21% 0.84% 21.67% 2024Q3

2024Q2 5.25% 1.13% 1.72% 2023Q2 3.08% 0.74% 11.11% 2024Q2

2024Q1 4.36% 1.43% 7.14% 2023Q1 5.13% 0.78% 12.24% 2024Q1

183

145

127

129

16 26

13 22

6

6

11

18

2023Q4

2023Q3

2023Q2

2023Q1

168

131

150

194

1

0

1

5

14

12

18

15

Delinquency Ratio 90+ Days

25%

20%

15%

10%

5%

0%

Filing Quarter

All Loan (90+ Days)

Modified with in a year (90+ Days)

Modified over a year (90+ Days)