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News & Press: Industry News

CoreLogic Housing Credit Index Increases Slightly; Matches Average for 2001-03

Tuesday, July 18, 2017  
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The CoreLogic Housing Credit Index (HCI), covering mortgage credit risk, increased slightly in the first quarter of 2017 compared to the same time last year.  The increase brings the index in line with the average for the 2001-03 period, considered to be a normal baseline for credit risk.

The six attributes of the index are: borrower credit score, debt-to-income ratio (DTI), loan-to-value ratio (LTV), investor-owned status, condo/co-op share and documentation level.  This year the HCI was revised to include more comprehensive data to more accurately capture the loans that exhibited higher risk features during the mid-2000s.

California Land Title Association

1215 K Street #1816 Sacramento, CA 95814-3905
Email:  |  Phone: 916-444-2647  |   Fax: 916-444-2851