In its Annual Report to Congress for fiscal year 2023, the FHA detailed the work of its single-family mortgage insurance programs in fiscal year 2023, including updates on credit access, capital in the MMI Fund, and delinquency rates of mortgages in its portfolio.
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As borrowers continue to make payments on time, the first quarter saw serious delinquencies shrinking for the 19th consecutive quarter. Here’s what impacted this otherwise declining trend.
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Credit availability in the mortgage industry declined in March due to administrative changes causing declines in the availability of conventional and super conforming loan programs.
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A survey shows the demand is there, but the approvals have not been.
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The Mortgage Bankers Association's (MBA)Mortgage Credit Availability Index (MCAI), a monthly gauge of credit access based on metrics and underwriting criteria from more than 85 lenders, increased 1.14 percent from April to May, reading 115.1 in the latest measure.
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