Housing Market and Mortgage Performance in Virginia
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1 QUARTERLY UPDATE Housing Market and Mortgage Performance in Virginia 1 st Quarter, 2014 Jamie Feik Lisa Hearl Joseph Mengedoth
2 An Update on Housing Market and Mortgage Performance in Virginia 1 st Quarter, 2014 Summary of Findings This report analyzes the size, composition, and performance of prime and subprime home mortgages in Virginia. It also provides information on trends in the state s housing market and charts with metropolitan area and county level data. State Delinquency and Foreclosure Rates The total foreclosure rate in Virginia edged down from 1.0 percent in March 2013 to 0.6 percent in March Over the same period, the 90+ day delinquency rate fell from 2.4 percent to 1.9 percent. (Table 7) The prime foreclosure rate in Virginia declined from 0.9 percent to 0.6 percent over the twelve months ending March Over the same period, the prime 90+ day delinquency rate fell from 2.2 percent to 1.8 percent. (Table 8) The state s subprime foreclosure rate fell from 2.8 percent in March 2013 to 1.4 percent in March 2014 while the delinquency rate fell from 9.0 percent to 5.8 percent. (Table 9) Subprime mortgages make up 28.2 percent of Virginia s foreclosure inventory but only 6.4 percent of all mortgages. Virginia is ranked 45 th in the nation in its share of subprime loans. (Figure 2 and Table 4) Metro Area Highlights In March, the Bristol MSA had the highest subprime foreclosure rate in the state (2.9 percent); however, every metro area reported a rate lower than the U.S. of 5.4 percent. Meanwhile, the Virginia Beach MSA had the highest subprime delinquency rate of 6.8 percent while Harrisonburg reported the lowest rate of 0.4 percent. (Table 9) Prime foreclosure rates in the state s metro areas ranged from 0.4 to 0.9 percent in March 2014, which were all lower than the U.S. rate of 1.8 percent. (Table 8) The Virginia portion of the Washington, D.C. MSA continued to post the highest share of adjustable rate and interest-only mortgages in the state at 15.3 and 6.2 percent, respectively. (Table 6) State Economic Conditions and Looking Forward Rising house prices can help to reduce the possibility of mortgage delinquency or foreclosure. According to the Federal Housing Finance Agency, house prices in Virginia decreased 0.1 percent in the first quarter of 2014 but increased 1.6 percent over the year. Lower rates of unemployment can also reduce the likelihood of mortgage default since job loss can affect a household s ability to repay. The Virginia unemployment rate (NSA) was 5.3 percent in March 2014 well below the national unemployment rate, which currently stands at 6.8 percent. (Table 11) For more information on foreclosures, please visit the Richmond Fed s Foreclosure Center at For recent data on the Virginia economy, please visit the Richmond Fed s Snapshot publication at The views expressed in this article are those of the authors and do not necessarily reflect the views of the Federal Reserve Bank of Richmond or the Federal Reserve System. 1
3 Graphs and Charts Index, 1995:Q1=100 United States Virginia Blacksburg-Christianburg-Radford Charlottesville Danville Harrisonburg Kingsport-Bristol Lynchburg Richmond Roanoke Virginia Beach-Norfolk Washington, D.C. Winchester Figure 1 FHFA House Price Index: Virginia Index, 1995:Q1= Source: Federal Housing Finance Agency (2014:Q1)/Haver Analytics Figure 2 Mortgage Distribution: Virginia 2a: Mortgages Outstanding 2b: Foreclosure Inventory Subprime 6.4% FHA & VA 24.5% Subprime 28.2% FHA & VA 33.4% Prime 69.1% Prime 38.6% Source: Mortgage Bankers Association (2014:Q1)/Haver Analytics. ages may not sum to 100 due to rounding. 2
4 Figure 3 age of Owner-Occupied Loans in Foreclosure or REO 1 : Virginia 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: Virginia 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. 3
5 Figure 5 age of Owner-Occupied Prime Loans in Foreclosure or REO 2 : Virginia 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: Virginia 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. 2 Real Estate Owned (REO) properties are in the possession of the lender due to foreclosure or forfeiture. 4
6 Figure 7 age of Owner-Occupied Subprime Loans in Foreclosure or REO: Virginia 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: Virginia 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. 5
7 Figure 9 age of Owner-Occupied Mortgages with Subprime Loans: Virginia Notes: FHA and VA loans are included in the count of prime loans. Uncategorized zip codes have fewer than 100 total loans or have no data available. Figure 10 Unemployment Rate: Virginia Notes: Unemployment Rate in March 2014 Source: Bureau of Labor Statistics/Haver Analytics 6
8 Table 1 Foreclosure Rates by Mortgage Type: Virginia Virginia United States in National in Loan Type Foreclosure Rank Foreclosure Total Prime Total Prime Fixed-Rate Prime Adjustable-Rate Subprime Total Subprime Fixed-Rate Subprime Adjustable-Rate Source: Mortgage Bankers Association (2014:Q1)/Haver Analytics Table 2 Mortgage Delinquency Rates: Fifth District 90 + National in National Geographic Area Days Past Due Rank Forclosure Rank District of Columbia Maryland North Carolina South Carolina Virginia West Virginia Fifth District United States Source: Mortgage Bankers Association (2014:Q1)/Haver Analytics Table 3 Prime Mortgage Delinquency Rates: Fifth District 90 + National in National Geographic Area Days Past Due Rank Forclosure Rank District of Columbia Maryland North Carolina South Carolina Virginia West Virginia Fifth District United States Source: Mortgage Bankers Association (2014:Q1)/Haver Analytics 7
9 Table 4 Subprime Share of All Loans: Fifth District National Geographic Area Subprime Rank District of Columbia Maryland North Carolina South Carolina Virginia West Virginia Fifth District United States Source: Mortgage Bankers Association (2014:Q1)/Haver Analytics Table 5 Subprime Mortgage Delinquency Rates: Fifth District 90 + National in National Geographic Area Days Past Due Rank Forclosure Rank District of Columbia Maryland North Carolina South Carolina Virginia West Virginia Fifth District United States Source: Mortgage Bankers Association (2014:Q1)/Haver Analytics 8
10 Table 6 General Housing Statistics: Virginia Housing Units of Owner-Occupied Owner-Occupied Mortgages With: With a Prime Subprime Adjustable Interest Geographic Area Total Vacant Occupied Total Mortgage Loan Loan Rate Only Blacksburg 70,550 6,757 63,793 37,735 23, Charlottesville 89,134 10,574 78,560 50,889 35, Danville 53,745 8,731 45,014 30,292 17, Harrisonburg 51,104 5,939 45,165 27,756 17, Kingsport-Bristol Lynchburg 112,515 12,913 99,602 70,942 46, Richmond 531,648 43, , , , Roanoke 144,987 16, ,454 89,832 60, Virginia Beach-Norfolk 671,844 52, , , , Washington, D.C. Entire MSA 2,213, ,022 2,074,730 1,333,662 1,126, Virginia Portion 1,012,030 51, , , , Winchester 56,906 7,840 49,066 35,256 24, Virginia 3,364, ,881 3,056,058 2,055,186 1,534, 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 Federal Reserve Bank of Richmond calculations using data from Lender Processing Services (LPS) Applied Analytics (March 2014). 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
11 Table 7 Owner-Occupied Loan Statistics: Virginia Geographic Area 90+ Days Past Due in Foreclosure 90+ Days Past Due in Foreclosure Blacksburg Charlottesville Danville Harrisonburg Bristol Lynchburg Richmond Roanoke Virginia Beach-Norfolk Washington, D.C.* Winchester Virginia Fifth District United States *Only the Virginia portion of these MSAs is included here Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. Areas with fewer than 100 total loans receive an N/A 10 Figure 11 Owner-Occupied Loan Statistics: Virginia Days Past Due Foreclosure /13 05/13 07/13 09/13 11/13 01/14 03/14 Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. 0 10
12 Table 8 Owner-Occupied Prime Loan Statistics: Virginia Geographic Area 90+ Days Past Due in Foreclosure 90+ Days Past Due in Foreclosure Blacksburg Charlottesville Danville Harrisonburg Bristol Lynchburg Richmond Roanoke Virginia Beach-Norfolk Washington, D.C.* Winchester Virginia Fifth District United States *Only the Virginia portion of these MSAs is included here Figure 12 Owner-Occupied Prime Loan Statistics: Virginia 90+ Days Past Due Foreclosure /13 05/13 07/13 09/13 11/13 01/14 03/14 Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans
13 Table 9 Owner-Occupied Subprime Loan Statistics: Virginia Geographic Area 90+ Days Past Due in Foreclosure 90+ Days Past Due in Foreclosure Blacksburg Charlottesville Danville Harrisonburg Bristol Lynchburg Richmond Roanoke Virginia Beach-Norfolk Washington, D.C.* Winchester Virginia Fifth District United States *Only the Virginia portion of these MSAs is included here Figure 13 Owner-Occupied Subprime Loan Statistics: Virginia Days Past Due Foreclosure /13 05/13 07/13 09/13 11/13 01/14 03/14 Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans. 0 12
14 Table 10 Owner-Occupied Interest Only Loan Statistics: Virginia Geographic Area 90+ Days Past Due in Foreclosure 90+ Days Past Due in Foreclosure Blacksburg Charlottesville Danville Harrisonburg Bristol Lynchburg Richmond Roanoke Virginia Beach-Norfolk Washington, D.C.* Winchester Virginia Fifth District United States *Only the Virginia portion of these MSAs is included here Figure 14 Owner-Occupied Interest Only Loan Statistics: Virginia 90+ Days Past Due Foreclosure /13 05/13 07/13 09/13 11/13 01/14 03/14 Notes: FHA and VA loans as well as interest only loans are included in the count of prime loans
15 Table 11 Unemployment Rates: Virginia age Point Geographic Area Unemployment Rate Change from March 2013 Blacksburg Charlottesville Danville Harrisonburg Kingsport-Bristol Lynchburg Richmond Roanoke Virginia Beach-Norfolk Washington, D.C Winchester Virginia Fifth District Note: Data are not seasonally adjusted. Source: Bureau of Labor Statistics/Haver Analytics (March 2014) 14
16 Table 12 Owner-Occupied Loan Statistics Richmond MSA 90+ in 90+ in Days Past Due Foreclosure Days Past Due Foreclosure Geographic Area Amelia County Caroline County Charles City County Chesterfield County Colonial Heights City Cumberland County Dinwiddie County Goochland County Hanover County Henrico County Hopewell City King and Queen County King William County Louisa County New Kent County Petersburg City Powhatan County Prince George County Richmond City Sussex County
17 Table 13 Owner-Occupied Loan Statistics Virginia Beach-Norfolk MSA 90+ in 90+ in Days Past Due Foreclosure Days Past Due Foreclosure Geographic Area Chesapeake City Gloucester County Hampton City Isle of Wight County James City County Mathews County Newport News City Norfolk City Poquoson City Portsmouth City Surry County Virginia Beach City York County Table 14 Owner-Occupied Loan Statistics Washington, D.C. MSA 90+ in 90+ in Days Past Due Foreclosure Days Past Due Foreclosure Geographic Area Alexandria City Arlington County Clarke County Fairfax City Fairfax County Falls Church City Fauquier County Fredericksburg City Loudoun County Manassas City Prince William County Spotsylvania County Stafford County Warren County
18 Table 15 Owner-Occupied Prime Loan Statistics Richmond MSA 90+ in 90+ in Geographic Area Days Past Due Foreclosure Days Past Due Foreclosure Amelia County Caroline County Charles City County Chesterfield County Colonial Heights City Cumberland County Dinwiddie County Goochland County Hanover County Henrico County Hopewell City King and Queen County King William County Louisa County New Kent County Petersburg City Powhatan County Prince George County Richmond City Sussex County
19 Table 16 Owner-Occupied Prime Loan Statistics Virginia Beach-Norfolk MSA 90+ in 90+ in Geographic Area Days Past Due Foreclosure Days Past Due Foreclosure Chesapeake City Gloucester County Hampton City Isle of Wight County James City County Mathews County Newport News City Norfolk City Poquoson City Portsmouth City Surry County Virginia Beach City York County Table 17 Owner-Occupied Prime Loan Statistics Washington, D.C. MSA 90+ in 90+ in Geographic Area Days Past Due Foreclosure Days Past Due Foreclosure Alexandria City Arlington County Clarke County Fairfax City Fairfax County Falls Church City Fauquier County Fredericksburg City Loudoun County Manassas City Prince William County Spotsylvania County Stafford County Warren County
20 Table 18 Owner-Occupied Subprime Loan Statistics Richmond MSA 90+ in 90+ in Geographic Area Days Past Due Foreclosure Days Past Due Foreclosure Amelia County Caroline County Charles City County Chesterfield County Colonial Heights City Cumberland County Dinwiddie County Goochland County Hanover County Henrico County Hopewell City King and Queen County King William County Louisa County New Kent County Petersburg City Powhatan County Prince George County Richmond City Sussex County
21 Table 19 Owner-Occupied Subprime Loan Statistics Virginia Beach-Norfolk MSA 90+ in 90+ in Geographic Area Days Past Due Foreclosure Days Past Due Foreclosure Chesapeake City Gloucester County Hampton City Isle of Wight County James City County Mathews County Newport News City Norfolk City Poquoson City Portsmouth City Surry County Virginia Beach City York County Table 20 Owner-Occupied Subprime Loan Statistics Washington, D.C. MSA 90+ in 90+ in Geographic Area Days Past Due Foreclosure Days Past Due Foreclosure Alexandria City Arlington County Clarke County Fairfax City Fairfax County Falls Church City Fauquier County Fredericksburg City Loudoun County Manassas City Prince William County Spotsylvania County Stafford County Warren County
22 Table 21 Owner-Occupied Interest Only Loan Statistics Richmond MSA 90+ in 90+ in Days Past Due Foreclosure Days Past Due Foreclosure Geographic Area Amelia County Caroline County Charles City County Chesterfield County Colonial Heights City Cumberland County Dinwiddie County Goochland County Hanover County Henrico County Hopewell City King and Queen County King William County Louisa County New Kent County Petersburg City Powhatan County Prince George County Richmond City Sussex County
23 Table 22 Owner-Occupied Interest Only Loan Statistics Virginia Beach-Norfolk MSA 90+ in 90+ in Days Past Due Foreclosure Days Past Due Foreclosure Geographic Area Chesapeake City Gloucester County Hampton City Isle of Wight County James City County Mathews County Newport News City Norfolk City Poquoson City Portsmouth City Surry County Virginia Beach City York County Notes: FHA and VA loans are included in the count of prime loans. Areas with fewer than 100 total loans receive an N/A. Table 23 Owner-Occupied Interest Only Loan Statistics Washington, D.C. MSA 90+ in 90+ in Days Past Due Foreclosure Days Past Due Foreclosure Geographic Area Alexandria City Arlington County Clarke County Fairfax City Fairfax County Falls Church City Fauquier County Fredericksburg City Loudoun County Manassas City Prince William County Spotsylvania County Stafford County Warren County Notes: FHA and VA loans are included in the count of prime loans. Areas with fewer than 100 total loans receive an N/A. 22
24 MSA Definitions 1. Blacksburg MSA Giles County, Montgomery County, Pulaski County, Radford city 2. Charlottesville MSA Albemarle County, Fluvanna County, Greene County, Nelson County, Charlottesville city 3. Danville MSA - Pittsylvania County, Danville city 4. Harrisonburg MSA - Rockingham County, Harrisonburg city 5. Kingsport-Bristol MSA - Hawkins County, TN; Sullivan County, TN; Scott County, VA; Washington County, VA; Bristol city, VA (Virginia Portion includes only VA counties). 6. Lynchburg MSA - Amherst County, Appomattox County, Bedford County, Campbell County, Bedford city, Lynchburg city 7. Richmond MSA - Amelia County, Caroline County, Charles City County, Chesterfield County, Cumberland County, Dinwiddie County, Goochland County, Hanover County, Henrico County, King and Queen County, King William County, Louisa County, New Kent County, Powhatan County, Prince George County, Sussex County, Colonial Heights city, Hopewell city, Petersburg city, Richmond city 8. Roanoke MSA - Botetourt County, Craig County, Franklin County, Roanoke County, Roanoke city, Salem city 9. Virginia Beach-Norfolk MSA - Currituck County, NC; Gloucester County, VA; Isle of Wight County, VA; James City County, VA; Mathews County, VA; Surry County, VA; York County, VA; Chesapeake city, VA; Hampton city, VA; Newport News city, VA; Norfolk city, VA; Poquoson city, VA; Portsmouth city, VA; Suffolk city, VA; Virginia Beach city, VA; Williamsburg city, VA 10. Washington, D.C. MSA - District of Columbia, DC; Calvert County, MD; Charles County, MD; Prince George's County, MD; Arlington County, VA; Clarke County, VA; Fairfax County, VA; Fauquier County, VA; Loudoun County, VA; Prince William County, VA; Spotsylvania County, VA; Stafford County, VA; Warren County, VA; Alexandria city, VA; Fairfax city, VA; Falls Church city, VA; Fredericksburg city, VA; Manassas city, VA; Manassas Park city, VA; Jefferson County, WV (Northern Virginia includes all Virginia counties listed here) 11. Winchester MSA - Frederick County, VA; Winchester city, VA; Hampshire County, WV Virginia Counties 23
25 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) Loan Processing Services Inc. Applied Analytics Mortgage Data Loan Processing Services, Inc. periodically enhances the LPS mortgage data by adding servicers. Additional servicers can change past performance numbers. Therefore, rates in this edition of the Mortgage Performance Summaries may differ from those in previous editions. 24
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