Mortgage Defaults Increase In November

A report released this week by Standard & Poor’s and Experian showed an increase in monthly default rates on first mortgages to 3.05 percent and an increase in default rates on second mortgages to 1.80 percent.  The increase in default rates for first mortgages is the first increase since December 2009.  The good news is that even though the rate in November increased, it is still down 34.84 percent from a year ago at the same time.

David M. Blitzer, Managing Director and Chairman of the Index Committee, said “the deterioration in the mortgage sector may be temporary: rates of new defaults have been declining for over a year with occasional brief interruptions.”

The table gives summary results for November 2010 for the S&P/Experian Credit Default Indices. These data are not seasonally adjusted and are not subject to revision.

S&P/Experian Consumer Credit Default Indices

National Indices

Index

November

Index Level

Change from October, 2010

Change from November

2009

Composite

3.13

3.50%

-33.75%

First Mortgage

3.05

4.95%

-34.84%

Second Mortgage

1.80

0.65%

-49.84%

Bank Card

6.84

-0.97%

-17.90%

Auto Loans

1.76

-8.07%

-32.49%

Source: S&P/Experian Consumer Credit Default Indices

Data Through: November 2010

The second table provides the S&P/Experian Consumer Default Composite Indices for five selected metropolitan statistical areas:

Metropolitan Statistical Area

November

Index Level

Change from October, 2010

Change from November

2009

New York

3.03

8.70%

-32.12%

Chicago

3.34

1.76%

-34.67%

Dallas

2.20

-2.90%

-38.08%

Los Angeles

3.25

2.31%

-49.94%

Miami

10.26

45.88%

-23.06%

Source: S&P/Experian Consumer Credit Default Indices

Data Through: November 2010

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