{"id":418482,"date":"2023-12-06T09:30:00","date_gmt":"2023-12-06T14:30:00","guid":{"rendered":"https:\/\/www.housingwire.com\/?p=418482"},"modified":"2023-12-06T09:11:22","modified_gmt":"2023-12-06T14:11:22","slug":"datadigest-mortgage-rates-arent-causing-delinquencies-disasters-are","status":"publish","type":"post","link":"https:\/\/www.housingwire.com\/articles\/datadigest-mortgage-rates-arent-causing-delinquencies-disasters-are\/","title":{"rendered":"DataDigest: Mortgage rates aren&#8217;t causing delinquencies. Disasters are"},"content":{"rendered":"\n<p>In September 2022, the 30-year fixed mortgage rate averaged 6.1%, according to Freddie Mac data. Fast-forward one year, and the rate averaged 7.2%, an expensive difference for many homebuyers (rates have since <a href=\"https:\/\/www.housingwire.com\/articles\/mortgage-rates-should-drop-below-7-as-housing-demand-picks-up\/\" target=\"_blank\" rel=\"noreferrer noopener\">started to drop<\/a>).<\/p>\n\n\n\n<p>But compare mortgage delinquencies over the same period: 2.8% in September 2022, 2.8% in September 2023, according to <strong>CoreLogic<\/strong> data.<\/p>\n\n\n\n<div class=\"flourish-embed flourish-chart\" data-src=\"visualisation\/15971714?1643471\"><script src=\"https:\/\/public.flourish.studio\/resources\/embed.js\"><\/script><\/div>\n\n\n\n<p>CoreLogic&#8217;s <a href=\"https:\/\/www.corelogic.com\/intelligence\/loan-performance-insights-november-2023\/\" target=\"_blank\" rel=\"noreferrer noopener\">Loan Performance Insights<\/a> data, shared with HousingWire, represents foreclosure and delinquency activity reported for first liens against a property. It encompasses approximately 75% of the nation&#8217;s foreclosure data.<\/p>\n\n\n\n<p>CoreLogic principal economist Molly Boesel attributes much of the stability in the low delinquency rate to low unemployment over the period.<\/p>\n\n\n\n<p>\u201cThe overall U.S. delinquency rate was unchanged from one year ago in September and remains near an all-time low,\u201d Boesel said. \u201cWhile there was a decrease in the share of mortgages six months or more past due, there was a compensating increase in early-stage delinquencies. If the labor market weakens in the coming months, expect further increases in mortgage delinquencies.\u201d<\/p>\n\n\n\n<p>There are exceptions, however, to the stable and low delinquency rates seen at the national level. CoreLogic&#8217;s LPI report highlights one common factor: natural disasters.<\/p>\n\n\n\n<p>Kahului-Wailuku-Lahaina, which suffered <a href=\"https:\/\/www.housingwire.com\/articles\/datadigest-tallying-the-damage-of-hawaiis-lahaina-wildfire\/\" target=\"_blank\" rel=\"noreferrer noopener\">significant damage<\/a> from wildfires in August, had the largest year-to-year increase in delinquency rates in the country &#8211; more than 140 other U.S. metros that netted year-to-year increases in September. The metro&#8217;s delinquency rate rose 3.5 percentage points to 5.7%.<\/p>\n\n\n\n<p>The report also notes that delinquency rates remain higher in Punta Gorda and Cape Coral-Fort Myers, metros in Florida that were <a href=\"https:\/\/www.housingwire.com\/podcast\/bonus-a-look-inside-the-florida-insurance-market-amid-hurricane-ian-with-ryan-letzeiser-of-obie\/\" target=\"_blank\" rel=\"noreferrer noopener\">hit by Hurricane Ian<\/a> in September 2022. <\/p>\n\n\n\n<div class=\"flourish-embed flourish-table\" data-src=\"visualisation\/16021830?1643471\"><script src=\"https:\/\/public.flourish.studio\/resources\/embed.js\"><\/script><\/div>\n\n\n\n<p>That is noteworthy, considering that a recent Redfin analysis concluded Americans are <a href=\"https:\/\/www.housingwire.com\/articles\/housing-markets-with-flood-and-wildfire-risk-are-booming\/\" target=\"_blank\" rel=\"noreferrer noopener\">increasingly moving<\/a> to counties prone to flooding, wildfires and excessive heat, areas sometimes <a href=\"https:\/\/www.housingwire.com\/articles\/datadigest-what-happens-when-insurance-carriers-abandon-americas-biggest-housing-markets\/\" target=\"_blank\" rel=\"noreferrer noopener\">abandoned by insurers<\/a>.<\/p>\n\n\n\n<p>The majority of cities in the U.S. saw their delinquency rates hold or fall on a year-to-year basis in September.<\/p>\n\n\n\n<div class=\"flourish-embed flourish-map\" data-src=\"visualisation\/16008809?1643471\"><script src=\"https:\/\/public.flourish.studio\/resources\/embed.js\"><\/script><\/div>\n\n\n\n<p>Serious delinquency rates &#8211; defined as delinquencies of 90 days or more &#8211; were even rosier for most U.S. cities. The rate fell for 367 metro areas, stayed the same for 14 and rose in only three: Punta Gorda, Cape Coral-Fort Myers and Elkhart-Goshen, Indiana.<\/p>\n\n\n\n<p>The state-level view is similar. Rates of delinquencies of 30 days or more rose year-to-year in only 15 states, and the largest increase &#8211; South Dakota &#8211; was only half a percentage point.<\/p>\n\n\n\n<div class=\"flourish-embed flourish-map\" data-src=\"visualisation\/16007858?1643471\"><script src=\"https:\/\/public.flourish.studio\/resources\/embed.js\"><\/script><\/div>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>Mortgage rates at decades&#8217; highs have not sparked a rise in delinquencies, new data shows. However, natural disasters like wildfires and hurricanes have.<\/p>\n","protected":false},"author":39579,"featured_media":418918,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1692,1681,1687,268078],"tags":[28081,2303,268049,2257,6165],"coauthors":[268099],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.5 (Yoast SEO v21.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>DataDigest: Mortgage rates aren&#039;t causing delinquencies. Disasters are - HousingWire<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.housingwire.com\/articles\/datadigest-mortgage-rates-arent-causing-delinquencies-disasters-are\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DataDigest: Mortgage rates aren&#039;t causing delinquencies. Disasters are - HousingWire\" \/>\n<meta property=\"og:description\" content=\"Mortgage rates at decades&#039; highs have not sparked a rise in delinquencies, new data shows. However, natural disasters like wildfires and hurricanes have.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.housingwire.com\/articles\/datadigest-mortgage-rates-arent-causing-delinquencies-disasters-are\/\" \/>\n<meta property=\"og:site_name\" content=\"HousingWire\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2023\/12\/Copy-of-Mortgage-Rates-Delinquencies@2x.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2400\" \/>\n\t<meta property=\"og:image:height\" content=\"1350\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Will Robinson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Will Robinson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.housingwire.com\/articles\/datadigest-mortgage-rates-arent-causing-delinquencies-disasters-are\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.housingwire.com\/articles\/datadigest-mortgage-rates-arent-causing-delinquencies-disasters-are\/\"},\"author\":{\"name\":\"Will Robinson\",\"@id\":\"https:\/\/www.housingwire.com\/#\/schema\/person\/9670cbf4300e7bbffa1d9a47f9425ca6\"},\"headline\":\"DataDigest: Mortgage rates aren&#8217;t causing delinquencies. 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He was previously a senior editor of natural gas liquids at OPIS, a Dow Jones Company, and prior to that, Robinson reported for the Jacksonville Business Journal. He has also been published in the Atlanta Journal-Constitution, Engineering Georgia, the Atlanta Business Chronicle and other publications. Robinson has degrees in journalism and international affairs from the University of Georgia and professional certifications in data science, business analytics and full stack development.\",\"url\":\"https:\/\/www.housingwire.com\/author\/will-robinson\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"DataDigest: Mortgage rates aren't causing delinquencies. 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&quot;Mortgage&quot;","block_context":{"text":"Mortgage","link":"https:\/\/www.housingwire.com\/category\/mortgage\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2020\/09\/mortgage-rate-neutral-2-e1693985404457.jpeg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2020\/09\/mortgage-rate-neutral-2-e1693985404457.jpeg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2020\/09\/mortgage-rate-neutral-2-e1693985404457.jpeg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.housingwire.com\/wp-content\/uploads\/2020\/09\/mortgage-rate-neutral-2-e1693985404457.jpeg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":440411,"url":"https:\/\/www.housingwire.com\/articles\/mortgage-rates-dip-to-6-6-to-mark-the-lowest-level-since-may-2023\/","url_meta":{"origin":418482,"position":4},"title":"Mortgage rates dip to 6.6% to mark the lowest 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