OREGON. HFA Performance Data Reporting - Borrower Characteristics
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1 Unique Borrower Count OREGON HFA Performance Data Reporting Borrower Characteristics Number of Unique Borrowers Receiving Assistance ,856 Number of Unique Borrowers Denied Assistance ,013 Number of Unique Borrowers Withdrawn from Program ,045 Number of Unique Borrowers in Process 1,536 N/A Total Number of Unique Borrower Applicants 2,324 26,450 Program Expenditures ($) Total Assistance Provided to Date $ 10,420,594 $ 139,063,271 Total Spent on Administrative Support, Outreach, and Counseling $ 1,439,492 $ 30,189,391 Borrower Income ($) Above $90, % 0.28% $70,000 $89, % 0.83% $50,000 $69, % 5.08% Below $50, % 93.81% Borrower Income as Percent of Area Median Income (AMI) Above 120% 1.41% 1.07% 110% 119% 2.83% 0.96% 100% 109% 4.25% 1.54% 90% 99% 5.19% 2.32% 80% 89% 4.72% 2.83% Below 80% 81.60% 91.28% 2014 Quarter 1 Page 1 of 20
2 HFA Performance Data Reporting Borrower Characteristics Geographic Breakdown (by county) Baker 0 23 Benton Clackamas Clatsop Columbia Coos Crook Curry 0 71 Deschutes Douglas Gilliam 0 4 Grant 0 16 Harney 0 29 Hood River 1 55 Jackson Jefferson 0 93 Josephine Klamath Lake 1 14 Lane Lincoln Linn Malheur 0 55 Marion Morrow 0 16 Multnomah Polk Sherman 0 2 Tillamook 2 70 Umatilla 5 99 Union 3 72 Wallowa 0 20 Wasco 1 54 Washington Wheeler 0 3 Yamhill Quarter 1 Page 2 of 20
3 HFA Performance Data Reporting Borrower Characteristics Home Mortgage Disclosure Act (HMDA) Borrower Race American Indian or Alaskan Native Asian Black or African American Native Hawaiian or other Pacific Islander 1 66 White 379 8,322 Information Not Provided by Borrower Ethnicity Hispanic or Latino Not Hispanic or Latino 392 9,028 Information Not Provided by Borrower 1 7 Sex Male 203 5,441 Female 221 4,412 Information Not Provided by Borrower 0 3 CoBorrower Race American Indian or Alaskan Native 6 56 Asian 6 77 Black or African American 3 30 Native Hawaiian or other Pacific Islander 1 17 White 126 2,360 Information Not Provided by Borrower 22 2,280 Ethnicity Hispanic or Latino Not Hispanic or Latino 145 2,543 Information Not Provided by Borrower 5 2,005 Sex Male Female 82 1,852 Information Not Provided by Borrower 5 2, Quarter 1 Page 3 of 20
4 HFA Performance Data Reporting Borrower Characteristics Hardship Unemployment 190 7,285 Underemployment 224 2,433 Divorce 1 25 Medical Condition 3 79 Death 0 5 Other 6 29 Current Loan to Value Ratio (LTV) <100% 72.49% 61.79% 100% 109% 8.61% 11.00% 110% 120% 9.09% 8.85% >120% 9.81% 18.36% Current Combined Loan to Value Ratio (CLTV) <100% 70.10% 54.74% 100% 119% 17.94% 21.55% 120% 139% 8.85% 13.55% 140% 159% 2.39% 5.35% >=160% 0.72% 4.81% Delinquency Status (%) Current 58.49% 63.55% % 7.39% % 5.20% % 23.86% Household Size , , , , , The report submitted for Q42013 understated the Number of Unique Borrowers Receiving Assistance by 44, leading to a quarteroverquarter discrepency for Q These cumulative totals do not align with previously reported figures as borrowers move to other evaluation categories 2014 Quarter 1 Page 4 of 20
5 MORTGAGE PAYMENT ASSISTANCE PROGRAM Program Intake/Evaluation Approved Number of Applications Approved 385 9,410 % of Total Number of Applications 17.42% 36.92% Denied Number of Borrowers Denied ,662 % of Total Number of Applications 12.85% 22.22% Withdrawn Number of Borrowers Withdrawn ,941 % of Total Number of Applications 3.08% 35.08% In Process Number of Applications In Process 1,473 N/A % of Total Number of Applications 66.65% N/A Total Total Number of Applications Received 2,210 25,486 Number of Borrowers Participating in Other HFA HHF Programs or Program Components Quarter 1 Page 5 of 20
6 MORTGAGE PAYMENT ASSISTANCE PROGRAM Program Characteristics General Characteristics Median 1st Lien Housing Payment Before Assistance $ 1,082 $ 1,144 Median 1st Lien Housing Payment After Assistance $ $ Median 2nd Lien Housing Payment Before Assistance $ $ Median 2nd Lien Housing Payment After Assistance N/A N/A Median 1st Lien UPB Before Program Entry $ 147,000 $ 155,745 Median 1st Lien UPB After Program Entry N/A N/A Median 2nd Lien UPB Before Program Entry $ $ Median 2nd Lien UPB After Program Entry N/A N/A Median Principal Forgiveness 2 N/A N/A Median Length of Time Borrower Receives Assistance N/A 12 Median Assistance Amount $ 2,610 $ 11,565 Assistance Characteristics Assistance Provided to Date $ 5,508,838 $ 108,234,420 Total Lender/Servicer Assistance Amount $ $ Borrowers Receiving Lender/Servicer Match (%) 0.00% 0.00% Median Lender/Servicer Assistance per Borrower $ $ Other Characteristics Median Length of Time from Initial Request to Assistance Granted Current Number 230 6,164 % 59.74% 65.51% Delinquent (30+) Number % 5.97% 7.35% Delinquent (60+) Number % 3.90% 5.05% Delinquent (90+) Number 117 2,079 % 30.39% 22.09% 2014 Quarter 1 Page 6 of 20
7 MORTGAGE PAYMENT ASSISTANCE PROGRAM Program Outcomes Borrowers No Longer in the HHF Program (Program Completion/Transition or Alternative Outcomes) 549 7,937 Alternative Outcomes Foreclosure Sale Cancelled Number % 6.92% 10.80% Deed in Lieu Short Sale Number 0 1 % 0.00% 0.01% Program Completion/Transition Loan Modification Program Number 0 1 % 0.00% 0.01% Reemployed/Regain Appropriate Employment Level Number % 15.66% 8.94% Reinstatement/Current/Payoff Number 0 9 % 0.00% 0.11% Short Sale Number N/A N/A % N/A N/A Deed in Lieu Number N/A N/A % N/A N/A Other Borrower Still Owns Home Number % 77.41% 80.13% 2014 Quarter 1 Page 7 of 20
8 MORTGAGE PAYMENT ASSISTANCE PROGRAM Homeownership Retention 3 Six Months Number N/A 8,347 Six Months % N/A 95.50% Twelve Months Number N/A 7122 Twelve Months % N/A 94.86% Twentyfour Months Number N/A 4259 Twentyfour Months % N/A 93.11% Unreachable Number N/A 0 Unreachable % N/A 0.00% 1. These cumulative totals do not align with previously reported figures as borrowers move to other evaluation categories 2. Includes second mortgage settlement 3. Borrower still owns home 2014 Quarter 1 Page 8 of 20
9 Program Intake/Evaluation Approved OREGON LOAN PRESERVATION ASSISTANCE PROGRAM Number of Borrowers Receiving Assistance ,174 % of Total Number of Applications 11.55% 26.26% Denied Number of Borrowers Denied ,211 % of Total Number of Applications 19.00% 51.38% Withdrawn Number of Borrowers Withdrawn ,244 % of Total Number of Applications 3.09% 10.29% In Process Number of Applications In Process 1,460 N/A % of Total Number of Applications 66.36% N/A Total Total Number of Applications Received 2,200 12,089 Number of Borrowers Participating in Other HFA HHF Programs or Program Components Quarter 1 Page 9 of 20
10 LOAN PRESERVATION ASSISTANCE PROGRAM Program Characteristics General Characteristics Median 1st Lien Housing Payment Before Assistance $ 1,086 $ 1,088 Median 1st Lien Housing Payment After Assistance N/A N/A Median 2nd Lien Housing Payment Before Assistance $ $ Median 2nd Lien Housing Payment After Assistance N/A N/A Median 1st Lien UPB Before Program Entry $ 148,025 $ 150,458 Median 1st Lien UPB After Program Entry N/A N/A Median 2nd Lien UPB Before Program Entry $ $ Median 2nd Lien UPB After Program Entry N/A N/A Median Principal Forgiveness 3 N/A N/A Median Length of Time Borrower Receives Assistance N/A N/A Median Assistance Amount $ 2,457 $ 1,969 Assistance Characteristics Assistance Provided to Date $ 786,192 $ 10,175,226 Total Lender/Servicer Assistance Amount $ $ Lender/Servicer Match (%) 0.00% 0.00% Median Lender/Servicer Assistance per Borrower $ $ Other Characteristics Median Length of Time from Initial Request to Assistance Granted Current Number 153 2,024 % 60.23% 63.77% Delinquent (30+) Number % 10.63% 11.78% Delinquent (60+) Number % 7.09% 7.78% Delinquent (90+) Number % 22.05% 16.67% 2014 Quarter 1 Page 10 of 20
11 LOAN PRESERVATION ASSISTANCE PROGRAM Program Outcomes Borrowers No Longer in the HHF Program (Program Completion/Transition or Alternative Outcomes) Alternative Outcomes Foreclosure Sale Cancelled Deed in Lieu Short Sale Program Completion/Transition Loan Modification Program Reemployed/Regain Appropriate Employment Level Reinstatement/Current/Payoff Number % % % Short Sale Number N/A N/A % N/A N/A Deed in Lieu Number N/A N/A % N/A N/A Other Borrower Still Owns Home 2014 Quarter 1 Page 11 of 20
12 LOAN PRESERVATION ASSISTANCE PROGRAM Homeownership Retention 4 Six Months Number N/A 2,781 Six Months % N/A 98.23% Twelve Months Number N/A 1986 Twelve Months % N/A 97.74% Twentyfour Months Number N/A 0 Twentyfour Months % N/A 0.00% Unreachable Number N/A 0 Unreachable % N/A 0.00% 1. The report submitted for Q42013 understated the Number of Borrowers Participating in Loan Preservation Assistance programs by 30 which lead to a quarteroverquarter discrepency for Q These cumulative totals do not align with previously reported figures as borrowers move to other evaluation categories 3. Includes second mortgage settlement 4. Borrower still owns home 2014 Quarter 1 Page 12 of 20
13 LOAN REFINANCING ASSISTANCE PILOT PROJECT Program Intake/Evaluation Approved Number of Borrowers Receiving Assistance % of Total Number of Applications 5.78% 20.10% Denied Number of Borrowers Denied % of Total Number of Applications 5.20% 24.36% Withdrawn Number of Borrowers Withdrawn % of Total Number of Applications 2.89% 30.15% In Process Number of Borrowers In Process 149 N/A % of Total Number of Applications 86.13% N/A Total Total Number of Borrowers Applied Number of Borrowers Participating in Other HFA HHF Programs or Program Components Quarter 1 Page 13 of 20
14 LOAN REFINANCING ASSISTANCE PILOT PROJECT Program Characteristics General Characteristics Median 1st Lien Housing Payment Before Assistance $ 1,362 $ 1,398 Median 1st Lien Housing Payment After Assistance $ 1,121 $ 1,031 Median 2nd Lien Housing Payment Before Assistance $ $ Median 2nd Lien Housing Payment After Assistance N/A N/A Median 1st Lien UPB Before Program Entry $ 198,191 $ 212,247 Median 1st Lien UPB After Program Entry $ 156,650 $ 138,400 Median 2nd Lien UPB Before Program Entry $ $ Median 2nd Lien UPB After Program Entry N/A N/A Median Principal Forgiveness2 $ 43,338 $ 82,829 Median Length of Time Borrower Receives Assistance N/A N/A Median Assistance Amount $ 149,245 $ 128,337 Assistance Characteristics Assistance Provided to Date $ 1,612,156 $ 16,011,795 Total Lender/Servicer Assistance Amount $ 673,098 $ 13,361,215 Borrowers Receiving Lender/Servicer Match (%) % % Median Lender/Servicer Assistance per Borrower $ 68,049 $ 91,804 Other Characteristics Median Length of Time from Initial Request to Assistance Granted Current Number 3 24 % 30.00% 20.34% Delinquent (30+) Number 1 4 % 10.00% 3.39% Delinquent (60+) Number 0 3 % 0.00% 2.54% Delinquent (90+) Number 6 87 % 60.00% 73.73% 2014 Quarter 1 Page 14 of 20
15 LOAN REFINANCING ASSISTANCE PILOT PROJECT Program Outcomes Borrowers No Longer in the HHF Program (Program Completion/Transition or Alternative Outcomes) 0 49 Alternative Outcomes Foreclosure Sale Cancelled Deed in Lieu Short Sale Program Completion/Transition Loan Modification Program Reemployed/Regain Appropriate Employment Level Number N/A N/A % N/A N/A Reinstatement/Current/Payoff Short Sale Number N/A N/A % N/A N/A Deed in Lieu Number N/A N/A % N/A N/A Other Borrower Still Owns Home 2014 Quarter 1 Page 15 of 20
16 LOAN REFINANCING ASSISTANCE PILOT PROJECT Homeownership Retention 3 Six Months Number N/A 85 Six Months % N/A 95.51% Twelve Months Number N/A 70 Twelve Months % N/A 94.59% Twentyfour Months Number N/A 5 Twentyfour Months % N/A 83.33% Unreachable Number N/A 0 Unreachable % N/A 0.00% 1. These cumulative totals do not align with previously reported figures as borrowers move to other evaluation categori 2. Includes second mortgage settlement 3. Borrower still owns home 2014 Quarter 1 Page 16 of 20
17 REBUILDING AMERICAN HOMEOWNERSHIP ASSISTANCE PILOT PROJECT Program Intake/Evaluation Approved Number of Borrowers Receiving Assistance 6 17 % of Total Number of Applications 18.18% 11.19% Denied Number of Borrowers Denied % of Total Number of Applications 21.21% 62.50% Withdrawn Number of Borrowers Withdrawn % of Total Number of Applications 6.06% 14.47% In Process Number of Borrowers In Process 18 N/A % of Total Number of Applications 54.55% N/A Total Total Number of Borrowers Applied Number of Borrowers Participating in Other HFA HHF Programs or Program Components Quarter 1 Page 17 of 20
18 REBUILDING AMERICAN HOMEOWNERSHIP ASSISTANCE PILOT PROJECT Program Characteristics General Characteristics Median 1st Lien Housing Payment Before Assistance $ 1,399 $ 1,412 Median 1st Lien Housing Payment After Assistance $ 1,216 $ 1,215 Median 2nd Lien Housing Payment Before Assistance $ $ Median 2nd Lien Housing Payment After Assistance $ $ Median 1st Lien UPB Before Program Entry $ 189,755 $ 202,263 Median 1st Lien UPB After Program Entry $ 202,775 $ 207,500 Median 2nd Lien UPB Before Program Entry $ $ Median 2nd Lien UPB After Program Entry $ $ Median Principal Forgiveness 2 N/A N/A Median Length of Time Borrower Receives Assistance N/A N/A Median Assistance Amount $ 233,253 $ 215,777 Assistance Characteristics Assistance Provided to Date $ 2,513,408 $ 4,641,830 Total Lender/Servicer Assistance Amount N/A N/A Borrowers Receiving Lender/Servicer Match (%) N/A N/A Median Lender/Servicer Assistance per Borrower N/A N/A Other Characteristics Median Length of Time from Initial Request to Assistance Granted NA NA Current Number 6 17 % % % Delinquent (30+) Delinquent (60+) Delinquent (90+) 2014 Quarter 1 Page 18 of 20
19 REBUILDING AMERICAN HOMEOWNERSHIP ASSISTANCE PILOT PROJECT Program Outcomes Borrowers No Longer in the HHF Program (Program Completion/Transition or Alternative Outcomes) 0 0 Alternative Outcomes Foreclosure Sale Cancelled Deed in Lieu Short Sale Program Completion/Transition Loan Modification Program Reemployed/Regain Appropriate Employment Level Number N/A N/A % N/A N/A Reinstatement/Current/Payoff Short Sale Number N/A N/A % N/A N/A Deed in Lieu Number N/A N/A % N/A N/A Other Borrower Still Owns Home 2014 Quarter 1 Page 19 of 20
20 REBUILDING AMERICAN HOMEOWNERSHIP ASSISTANCE PILOT PROJECT Homeownership Retention 3 Six Months Number N/A 7 Six Months % N/A % Twelve Months Number N/A 0 Twelve Months % N/A 0.00% Twentyfour Months Number N/A 0 Twentyfour Months % N/A 0.00% Unreachable Number N/A 0 Unreachable % N/A 0.00% 1. These cumulative totals do not align with previously reported figures as borrowers move to other evaluation categories 2. Includes second mortgage settlement 3. Borrower still owns home 2014 Quarter 1 Page 20 of 20
OREGON. HFA Performance Data Reporting - Borrower Characteristics
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