Housing Market and Mortgage Performance in West Virginia
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1 QUARTERLY UPDATE Housing Market and Mortgage Performance in 4 th Quarter, 2015 Joseph Mengedoth Michael Stanley
2 Index, 1995:Q1=100 Figure 1 FHFA House Price Index: United States Charleston Hagerstown-Martinsburg Morgantown Washington-Arlington-Alexandia Wheeling Index, 1995:Q1=100 Cumberland Huntington-Ashland Parkersburg-Marietta-Vienna Weirton-Steubenville Winchester Source: Federal Housing Finance Agency (2015:Q4)/Haver Analytics Figure 2 Mortgage Distribution: 2a: Mortgages Outstanding 2b: Inventory Subprime 6.2% Subprime 23.2% FHA & VA 23.0% FHA & VA 36.4% Prime 70.8% Prime 40.6% Source: Mortgage Bankers Association (2015:Q4)/Haver Analytics. ages may not sum to 100 due to rounding. 1
3 Figure 3 age of Owner-Occupied Loans in or REO 1 : Notes: FHA and VA loans are included in the count of prime loans. Uncategorized zip codes have fewer than 100 total loans or no data available. Figure 4 age of Owner-Occupied Loans with 90+ Day Delinquency Notes: FHA and VA loans are included in the count of prime loans. Uncategorized zip codes have fewer than 100 total loans or no data available. 1 Real Estate Owned (REO) properties are in the possession of the lender due to foreclosure or forfeiture. 2
4 Figure 5 age of Owner-Occupied Prime Loans in or REO 1 : Notes: FHA and VA loans are included in the count of prime loans. Uncategorized zip codes have fewer than 100 total loans or no data available. Figure 6 age of Owner-Occupied Prime Loans with 90+ Day Delinquency Notes: FHA and VA loans are included in the count of prime loans. Uncategorized zip codes have fewer than 100 total loans or no data available. 3
5 Figure 7 age of Owner-Occupied Subprime Loans in or REO 1 : Notes: FHA and VA loans are included in the count of prime loans. Uncategorized zip codes have fewer than 100 total loans or no data available. Figure 8 age of Owner-Occupied Subprime Loans with 90+ Day Delinquency: Notes: FHA and VA loans are included in the count of prime loans. Uncategorized zip codes have fewer than 100 total loans or no data available. 4
6 Figure 9 age of Owner-Occupied Mortgages with Subprime Loans: Notes: FHA and VA loans are included in the count of prime loans. Uncategorized zip codes have fewer than 100 total loans or no data available. Figure 10 Unemployment Rate: Notes: Unemployment Rate in December 2015 Source: Bureau of Labor Statistics/Haver Analytics 5
7 Table 1 Rates by Mortgage Type: United States in National in Loan Type Rank Total Prime Total Prime Fixed-Rate Prime Adjustable-Rate Subprime Total Subprime Fixed-Rate Subprime Adjustable-Rate Source: Mortgage Bankers Association (2015:Q4)/Haver Analytics Table 2 Mortgage Delinquency Rates: Fifth District 90 + National in National Days Past Due Rank Forclosure Rank District of Columbia Maryland North Carolina South Carolina Virginia Fifth District United States Source: Mortgage Bankers Association (2015:Q4)/Haver Analytics Table 3 Prime Mortgage Delinquency Rates: Fifth District 90 + National in National Days Past Due Rank Forclosure Rank District of Columbia Maryland North Carolina South Carolina Virginia Fifth District United States Source: Mortgage Bankers Association (2015:Q4)/Haver Analytics 6
8 Table 4 Subprime Share of All Loans: Fifth District National Subprime Rank District of Columbia Maryland North Carolina South Carolina Virginia Fifth District United States Source: Mortgage Bankers Association (2015:Q4)/Haver Analytics Table 5 Subprime Mortgage Delinquency Rates: Fifth District 90 + National in National Days Past Due Rank Forclosure Rank District of Columbia Maryland North Carolina South Carolina Virginia Fifth District United States Source: Mortgage Bankers Association (2015:Q4)/Haver Analytics Table 6 General Housing Statistics: Housing Units of Owner-Occupied Owner-Occupied Mortgages With: With a Prime Subprime Adjustable Total Vacant Occupied Total Mortgage Loan Loan Rate 7 Interest Only Beckley 35,931 4,100 31,831 23,678 12, Bluefield 56,757 6,477 50,280 37,409 18, Charleston 141,585 12, ,621 93,571 49, Clarksburg 42,918 4,508 38,410 28,902 15, Cumberland 46,350 5,623 40,727 29,072 16, Hagerstown-Martinsburg 115,329 12, ,845 72,262 51, Huntington-Ashland 103,529 10,501 93,028 64,548 35, Morgantown 58,335 5,663 52,672 32,679 18, Parkersburg 75,203 7,793 67,410 49,382 27, Wheeling 69,542 8,080 61,462 44,290 23, Winchester 56,906 7,840 49,066 35,256 24, , , , , , Fifth District 13,387,600 1,598,257 11,789,343 7,930,734 5,632, United States 131,704,730 14,988, ,716,292 75,986,074 51,208,208* Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. Source: Housing units are reported in the 2010 Census. Mortgage estimates are from McDash Analytics (December 2015). Definitions of the metropolitan areas are provided later in the document. *The figure for owner-occupied units with a mortgage at the national level is calculated by summing the totals for the states.
9 Table 7 Owner-Occupied Loan Statistics: 90+ Days Past Due in 90+ Days Past Due in Beckley Bluefield Charleston Clarksburg Cumberland Hagerstown-Martinsburg Huntington-Ashland Morgantown Parkersburg Wheeling Winchester Fifth District United States Figure 11 Owner-Occupied Loan Statistics: Days Past Due /14 02/15 04/15 06/15 08/15 10/15 12/15 Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. 0 8
10 Table 8 Owner-Occupied Prime Loan Statistics: 90+ Days Past Due in 90+ Days Past Due in Beckley Bluefield Charleston Clarksburg Cumberland Hagerstown-Martinsburg Huntington-Ashland Morgantown Parkersburg Wheeling Winchester Fifth District United States Figure 12 Owner-Occupied Prime Loan Statistics: 90+ Days Past Due /14 02/15 04/15 06/15 08/15 10/15 12/15 Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans
11 Table 9 Owner-Occupied Subprime Loan Statistics: 90+ Days Past Due in 90+ Days Past Due in Beckley Bluefield Charleston Clarksburg Cumberland Hagerstown-Martinsburg Huntington-Ashland Morgantown Parkersburg Wheeling Winchester Fifth District United States Figure 13 Owner-Occupied Subprime Loan Statistics: Days Past Due /14 02/15 04/15 06/15 08/15 10/15 12/15 Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. 0 10
12 Figure 14 Owner-Occupied Interest Only Loan Statistics: 90+ Days Past Due /14 02/15 04/15 06/15 08/15 10/15 12/15 Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans Table 10 Unemployment Rates: age Point Change from December 2014 Unemployment Rate Beckley Bluefield Charleston Clarksburg Cumberland Hagerstown-Martinsburg Huntington-Ashland Morgantown Parkersburg Wheeling Winchester Fifth District Notes: Data are not seasonally adjusted. Source: Bureau of Labor Statistics/Haver Analytics (December 2015) 11
13 Table 11 Owner-Occupied Loan Statistics Charleston MSA 90+ in 90+ in Days Past Due Days Past Due Boone County Clay County Kanawha County Lincoln County Putnam County Table 12 Owner-Occupied Loan Statistics Hagerstown-Martinsburg MSA 90+ in 90+ in Days Past Due Days Past Due Berkeley County Morgan County Table 13 Owner-Occupied Prime Loan Statistics Charleston MSA 90+ in 90+ in Days Past Due Days Past Due Boone County Clay County Kanawha County Lincoln County Putnam County
14 Table 14 Owner-Occupied Prime Loan Statistics Hagerstown-Martinsburg MSA 90+ in 90+ in Days Past Due Days Past Due Berkeley County Morgan County Table 15 Owner-Occupied Subprime Loan Statistics Charleston MSA 90+ in 90+ in Days Past Due Days Past Due Boone County Clay County Kanawha County Lincoln County Putnam County Table 16 Owner-Occupied Subprime Loan Statistics Hagerstown-Martinsburg MSA 90+ in 90+ in Days Past Due Days Past Due Berkeley County Morgan County
15 MSA Definitions 1. Beckley*, WV Raleigh County, WV 2. Bluefield*, WV-VA Mercer County, WV; Tazewell, VA 3. Charleston, WV MSA Boone County, WV; Clay County, WV; Kanawha County, WV; Lincoln County, WV; Putnam County, WV 4. Clarksburg*, WV Doddridge County, WV; Harrison County, WV; Taylor County, WV 5. Cumberland, MD-WV MSA Allegany County, MD; Mineral County, WV 6. Hagerstown-Martinsburg, MD-WV MSA Berkeley County, WV; Morgan County, WV; Washington County, MD 7. Huntington-Ashland, WV-KY-OH MSA Boyd County, KY; Greenup County, KY; Lawrence County, OH; Cabell County, WV; Wayne County, WV 8. Morgantown, WV MSA Monongalia County, WV; Preston County, WV 9. Parkersburg, WV-OH MSA Pleasants County, WV; Washington County, OH; Wirt County, WV; Wood County, WV 10. Wheeling, WV-OH MSA Belmont County, OH; Marshall County, WV; Ohio County, WV 11. Winchester, VA-WV MSA Frederick County, VA; Winchester city, VA; Hampshire County, WV *Indicates a micropolitan statistical area Source: Office of Management and Budget, 2008 Counties 14
16 Sources and Notes House Price Index Federal Housing Finance Agency/Haver Analytics Weighted repeat sales index, measuring the average price changes in repeat sales or refinancing on the same single family properties. Based on transactions involving conforming, conventional mortgages purchased or securitized by Fannie Mae or Freddie Mac. Unemployment Rate Bureau of Labor Statistics/Haver Analytics General Housing Statistics Census Bureau Metropolitan Statistical Area Definitions Office of Management and Budget, 2008 Loan Distribution and Loan Performance (1) Mortgage Bankers Association/Haver Analytics (2) McDash Analytics Mortgage Data McDash Analytics recently made a large enhancement to their mortgage performance data with the addition of several, primarily non-bank, mortgage servicers covering an additional 3.5 million loans. Performance numbers for the added servicers date back to January Historical rates may have changed in this version of the Mortgage Performance Summaries from previous versions. 15
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