Expert & Data-Driven Research / Financial Institution NPA Prop Tracking and Reporting
1) ‘The Mortgage Pages’ provides a high-level, yet detailed, expert opinion of present and projected conditions of the mortgage and housing markets. TMP always captures the story within the story and zeroes in on the market-moving aspects of the relentless news flow. Delivered via email a minimum of twice per week or more as conditions warrant.
2) ‘Proprietary Data’ - Real-time bank-originator & servicer-specific residential and commercial NPA (mortgage default & foreclosure) data and reporting. Track NPA’sthrough the entire foreclosure process including counts, dollar amounts, rates of change, loss severities and much more. This provides a window into the loan asset holdings of any financial institution and is not available anywhere else.
Real-time tracking of bank-originator legacy and new vintage loan performance individually and relative to peers provides balance-sheet insights not gained elsewhere. This is guaranteed to keep you far ahead of the mortgage and housing markets, ratings agencies, and pivotal company-specific events.
Data/Report examples:
- National Bank-Originator Resi & CRE NPA (Default & Foreclosure) Tracker
- Regional & Community Bank Resi & CRE NPA (Default & Foreclosure) Tracker
- Macro Default & Foreclosure Tracker
- Detailed REO & 3rd Party Sale Data & Analytics
- Servicer Tracker
- MSA Default, Foreclosure & Housing Market Drill-Down
*Custom reporting is available
3) ‘Tier-1‘ coverage is for fast movers that want up close and personal access to everything we have – and more if you need it. This coverage combines TMP, prop data and analytics, constant field checks from mortgage desks, loan officers, Realtors, appraisers, servicers, politico, and everything else we constantly dig up that gives our clients an edge. You will know everything we do — as we learn it.
** TMP, Tier-1 and Prop data coverage is strictly limited to a small number of clients in order to achieve maximum benefit.
Recent Published Research
7-26 – (UPDATE) JUNE NEW HOME SALES LOWEST ON RECORD FOR ANY JUNE
7-26 – JUNE NEW HOME SALES LOWEST ON RECORD FOR ANY JUNE
7-22 – July 2010 Home Price Expectations Survey Results
7-22 – (Important) June Existing Home Sales Surge
7-21 – WFC/WB Resi Credit – The NPA’s are There if You Know Where to Look
7-15 – June Foreclosure Breakdown
7-14 – Q2 Wachovia Pay Option Default & Foreclosure Performance Notably Worse
7-14 (Update 1) WaMu (JPM) Pay Option Default & Foreclosure Performance
7-13 – MI Bank Q2 NPA Activity
7-13 – A V SHAPED BOTTOM! …In Housing Inventory Levels
7-12 – Q2 Bank-Specific Resi/Non-Resi NPA_Guide
7-8 – Q2 Big-Bank Default & Foreclosure Activity Summary
ALERT – New H&R Block SEC Filing
7-8 – Q2 Big-Bank Default & Foreclosure Activity Summary
7-7 (#2) – Interesting Q2 Early-Stage Delinquency Data
7-6 – Capital One’s Forgotton Subprime Alt-A Mega-Exposure
7-5 (UPDATE-1) Chase Cries “Uncle”
Pending Home Sales – Great Stat
7-1 – M&I Bank — Interesting Default
6-30 (UPDATE 1) JPM & WFC Pay Option ARMs
(PRN) Fannie Mae Increases Penalties for Borrowers Who Walk
6-25 – Very Interesting May HAMP Data
6-21 pm – Existing & New Home Sales Update
6-20 – Shadow Inventory House Price Roll-Over Timeline
6-18 – June Housing Review & Preview
6-14 – American Banker Mortgage & Housing Piece
6-14 – Alarming Home Sales Data
6-9 (Update-1) Added Update & Wells Fargo Pay Option Data
6-2 – May Forclosure Preview & Review
5-25 – EverBank Notice – 95% Financing on Foreclosures
5-24 – April Existing Home Sales Notables
5-21 – CA House Sales Disappoint…Again
5-19 – April Housing Preview – Prices – The Builders
5-18 – HAMP Principal Reduction Misdirection Campaign to Begin Soon
5-13 – (UPDATE_1) April Foreclosures
5-12 – April National Foreclosure Release Preview
5-11 – April Bank-Servicer Foreclosure Stats – All Prop Types
5-10 – April Foreclosure Stats Across Various Loan & Prop Types
5-8 – April Foreclosure Results
5-3 – April Defaults, Foreclosures & Workouts – All Loan Types
4-28 – Part 2 This Ain’t Credit You’re Lookin At.pdf
4-27 – New Vintage Subprime Lending Gone Awry (Again).
4-26 -March Modification Bubble Breakdown
4-26 – New Vintage Subprime Lending Gone Awry (Again)
4-25 – BofA’s HELOC Indicator
4-23 – New Home Sales – Gimme a Break
4-23 – New Loan Modifications Decline Sharply While Distressed Liquidations Rise Sharply
4-22 – This Ain’t Credit You’re Lookin At
4-21 – March House Sales Review & Preview
4-19 – STI…Q1 NPA Activity Most Interesting
4-18 – Q1 Bank NPA Data (CMA, CYN, WB, WFC, UMPQ, ZION, FHN)
4-16 – WB CDOs
4-15 – Record High Foreclosures – Beneath the Headlines
4-15 – Preview – National Foreclosure News Tomorrow
4-14 – WFC’s Pay Option ARM NPA Activity in Q1
4-14 – UMPQ, CYN, STI Q1 NPA’s
4-14 – CMA and FHN – Two Interesting Q1 Cases
4-13 – Q1 C&I Tracking
4-13 – First Horizon
4-11 – LPS Delinquency Report – Say What?!?
4-11 – Banks in Asset Liquidation Mode Suddenly
4-11 – Bank Originator March NPA Data 2
4-10 – Small-Cap TARP Banks – Time to Pay the Piper
4-9 – Defaults & Foreclosures…Let the (Liquidation) Games Begin!
4-8 – Consumer Spending & Savings From Missed Mortgage Payments
4-8 – City National Bank
4-6 – March Foreclosures – Whoa – Record Highs
4-1 – The Banks – Notable March and Q1 Foreclosure Activity
3-31 – Bottom Line – Principal HAMP Mod (Update 1 )
3-30 – DHI – Builder Put-Back Pain – First Signs
3-29 – Bank NPA’s Continue Unusual Move into Q-end
3-29 – HAMP Principal Mod – A Step Backward
3-26 – BofA’s New Principal Mod – SORRY, NO CIGAR
3-25 – Big News Coming Tomorrow From Treasury on Mortgage Space
3-24 – New & Existing Home Sales Quick Recaps
3-23 – MGIC vs BofA — And Soon to Be…’vs. Everybody Else’
3-22 – BAC, WFC, JPM & 2nd Lien Mods/Liquidations
3-22 – 2010 Mortgage Lending Double-Dip
3-20 – More on Put-Backs and Lawsuits
3-19 – CA HOUSE SALES DOUBLE-DIPPING
3-18 – 2010 YTD and FY Mortgage Volume Plunge
3-17 – Banks/Lack of Guidance/Downgrades/Cap Raising/Earnings/NPA’s
3-16 – CA House Sales – Lots of Foreclosures Needed Right Now
3-15 – HAMP is Getting Very Interesting
3-14 – No Bid for High End Houses
3-13 – Feb National Foreclosure Breakdown
3-12 – Writing Down/Off Second Mortgages
3-9 – Feb BAC & WFC Originator & Servicer NPA Reports
3-7 – Feb Wachovia Pay Option Portfolio Defaults & Foreclosures
3-5 – GSE – Big Bank Put Backs
3-5 – Builder Loan Put-Backs on Deck
3-4 – BAC, WFC Making Their Foreclosure Move!
3-3 – Small-Cap Bank Loan Performance
3-2 – Fannie Mega-Delinquency and Buyback Data
2-28 – MI Companies Join the Put-Back Frenzy
2-26 – New Obama 60-Day Late/HAMP/Foreclosure Proposal – Not What Most Think it is
2-25 – New Home Sales Tragedy
2-25 – Big Banks Preparing the Sector
2-24 – Subprime & Alt-A Implosion 2.0
2-23 – Put-Backs – the 2010 Wildcard Threat
2-19 – Jan New and Existing House Sales Preview & Forecast (CA and National)
2-18 – HAMP Stats – What to Focus on
2-17 – “Half of All Mortgages Sill Above 6%” (They Can’t Refi)
2-13 – Shadow Inventory Update
2-12 – GSE buyout policy change 2010
2-10 – Projected 50% 2010 Mortgage Origination Haircut
2-8 – GSE Put-backs and SunTrust
2-4 – Checkmate! Treasury Confirms (significant HAMP changes)
2-4 – Banks, Insurers, Investors Going to War (with each other)
2-3 – Asset Liquidation Phase Begins
2-1 – Big HAMP Changes Coming – What Does This Mean? Not What You Think
2-1 – Financial’s to Eat Their Own Cooking
1-30 – Wiped-out 2nd Mortgages
1-29 – In-Depth Look into Bank of America’s Resi Pipes
1-28 – In-Depth Look into Chase’s Resi Pipes
1-27 – In-Depth Look into Wells Fargo’s Resi Pipes
1-26 – In-Depth Top Resi Mortgage Servicer Review
1-21 – Existing Home Sales Preview and Estimate
1-21 – Banks – The Rest of Them
1-20 – 2010– Foreclosure & Short Sale Flush
1-18 – HAMP Update – What to Focus On
1-15 – WFC – Pay Option ARM/Earnings
1-12 – FHA – The Gov’t Gets it Right…for a change
1-11 – Dec Default & Foreclosure Review/Jan Foreclosure Update/BAC Drill Down
1-7 – Q4 Agency Loan Margins
1-5 – Pending Home Sales
1-4 – WFC (WB), COFI and Pay Option ARMs
12-23 – Garbage Man Indicator
12-23 – IT’S PRIME TIME
12-22 – (HIGH-END RE UPDATE 1) 12-22 Mark Hanson – Existing Home Sales Reality
12-20 – Existing Home Sales Reality
12-15 – Nov Existing Home Sales Preview & Review
12-10 -HAMP – Bottom Line…Goose Egg
12-8 – Very Early Look – Nov CA House Sales
12-3 – MILLIONS More at Risk of Default Than Most Think
11-30 – Deep Thoughts on the Big Banks
11-30 – “Flip-Adjusted” House Sales Revelation
11-27 – RATES! But…
11-23 – Inside, Existing Home Sales
11-20 – Buying Distressed Props in the Primary & Secondary Markets
11-19 – Oct CA House Sales — YoY Troubles
11-19 – RATES ARE GREAT! Perhaps for a Long Time Contrary to Popular Opinion
11-18 – Mid-to-High End Foreclosure Case-Study
11-16 – Uh-Oh – CA House Sales – Back to Back Lower YoY Comps
11-13 – YEARS of Mid-to-High End Supply
11 -12 – Mid-to-High End Housing & Borrower Reality
11-6 – Mid-to-High End Short Sale fraud (and bank loss) Case Study
11-4 – Wells / Wachovia Drill-Down
10-28 – Inside New Home Sales
10-23 – WTF? NAR’s Voodoo – Actually Home Sales Down MoM
10-22 – Existing Home Sales Update – “Flip-Adjusted” Sales
10-19 – CA Sept Home Sales Down YoY
10-13 – Preview of CA & National Home Sales
10-11 – Q3 Delinquency, Default & Foreclosure Action – Surprise Worsening
10-8 – Housing Update, It’s Refi-Time, Negative Equity, More on Shadow Inventory, The Real Housing Market
10-2 – High End Housing Languishing
9-30 – Sept Housing Preview — Here We Go Again
9-29 – More Housing Unintended Consequences
9-25 – Inside Aug New Home Sales
9-24 – Inside August Existing Home Sales
9-22 – Existing Home Sales, Tax Credit, HAMP Consequences, Affordability Charade
9-18 – CA House Sales DID Plunge
9-16 – End of Season Mid-to-High End Price Dump
9-13 – New Definition of “Shadow Inventory”, Foreclosures, The Wave Update, HAMP Moratorium, Option ARM Recasts
9-12 – August CA House Sales Look to Have Tumbled
9-4 – Ominous Mid-to-High End Housing Data Point
9-3 – Mortgage Insurance Volume Plunges
9-2 – National Pending Sales Plunge
9-1 – Pay Option ARM Implosion Still on Track
8-30 – CA July Housing Starts Fall Off Cliff — Leading Indicator?
8-29 – July SF Bay House Prices up 146.4% Annualized – Now, That’s is a Bottom!
8-26 – New Home Sales Reality
8-25 – DataQuick Confirms Ultimate in False Bottoms
8-21 – July House Sales Uncovered
8-19 – Part 2 – Housing Market Hell Week
8-18 – Part 1 – Housing Market Hell Week
8-13 – Foreclosure Wave — Now a Tsunami of Sorts
8-11 – ‘Affordability’…Housing’s Red Herring
8-10 – ACORNs Vision of the Future of Loan Mods – Look Out
8-7 – Mortgage Rates, Real Bank-Portfolio Jumbos, Mortgage Apps
8-6 – House Sales Math Problem/Appraisal Red-Lining/Neg-Equity/CA Tax Base Factoid
8-5 – Taylor Bean & Colonial – Another Significant Mortgage & Housing Market Blow
8-4 – Pending Sales in Context
8-1 – Refi-Boomlet & Mortgage Mod Fizzle
7-28 – HOUSE PRICES – The Next Leg Down
7-27 – New Home Sales Reality
7-23 – Existing Home Sales…Something to see here
7-22 – NO CREDIT FOR YOU!
7-21 “57% Credit Card Default Rate”
7-20 – “Leveling-Out” at the Peak
7-19 – CA June Home Sales Rpt – Headlines Say ‘Sales & Prices Up’
7-15 – Mortgage & Housing Hype, in Context
7-13 – The CA Default & Foreclosure Wave
7-11 – Meredith Whitney on Financials/Mods/Losses (I disagree)
7-7 – High-End Housing (Psychology of it all/default surging/end of season price slashing)
7-2 – We Can’t Modify our Way out of This…Nor do we want to
7-1 – Freddie Mac…We Own These Guys for Good
6-30 – Credit Scores “Past Performance Does Guaranty Future Results”
6-27 – HVCC Hell
6-26 – Mid-to-High End Housing, Jumbo Prime RMBS, Condos
6-24 – Mortgage Insurance Becoming Scarce
6-22 – Obama 105% and New 125% Loans — Becoming Messy
6-19 – Careful…Bay Area House Prices Surge (volume precedes price – lower)
6-18 – “BUY THE BANKS – Defaults Have Peaked & Housing Has Bottomed” – Not!
6-17 – Mortgage Apps & Rates Plunge
6-15 – New CA Foreclosure Law…More Can-Kicking and Re-Levering
6-12 – The Next Foreclosure Wave is Here – What to Look out For in the Near-Term
6-10 – CA May Foreclosure Drill-down – The Numbers Beneath the Numbers
6-8 – Real-time Mortgage Rate Update – Chaos
6-7 – It’s You Move Ben – the Next ‘Shock and Awe’
6-5 – Current Negative-Equity Figures at the Foreclosure Stage — Average CA Foreclosure is more than 50% Underwater
6-4 – The Age of Real Estate False Bottoms
6-3 – Pending, Shmending — Pending Home Sales a Bad Gauge of Future Total Sales
6-2 – Foreclosure Surge at Some Servicers in May
