To enter a coupon code in your post please enter the following info:
Coupon Code:
Coupon Offer:
Merchant:
Expires (optional):
Restrictions (optional):
saving...
Quick Summary is created and edited by users like you... Add FAQ's, Links and other Relevant Information by clicking the edit button in the lower right hand corner of this message.
ranchopedro said:. said:Source: Credit reporting agency, TransUnion, LLC and its Trend Data database.
Is this the reason for so much missing data?
Data for the smallest 10 percent of the counties by population have been removed and the counties are shaded grey because small population statistics are prone to extreme values and erratic fluctuations.
Strange. I kind of expected it to look worse. The year-over-year increase in mortgage delinquencies in my home county, which has been high on the list of the foreclosure meltdown for a while, was 2.92%. For bank cards, the year-over-year increase in delinquencies was only 0.37%. Almost no change in auto loan delinquencies.
Outside of Florida and Cali/Nev/part of AZ, I don't see much of a pattern... Except for that giant stripe of responsibleness in the middle of the country.
My county looks like it's in good shape. The reality is the county is so poor that nobody can afford a house or car. Nobody wants to go to college and they couldn't get a credit card if they wanted to.
It's interesting that the current statistics and the YOY statistics look so different. The current statistics show very pronounced regional trends. The YOY statistics vary dramatically, showing very little regional consistency.
ThePessimist said:It's interesting that the current statistics and the YOY statistics look so different. The current statistics show very pronounced regional trends. The YOY statistics vary dramatically, showing very little regional consistency. I think there are serious errors here.
Current 90+ deliquency on all mortgages in GA: Johnson 9.52% Twiggs 4.23% Wilkes 5.34% Wheeler 0.00%
YoY In GA: Johnson 9.52% Twiggs 4.23% Wilkes 5.34% Wheeler -7.27%
I guess the YoY numbers are straight change in % (ie, the counties went from ~0.00% deliquency to the current deliquency and the reverse for Wheeler) rather than % change in % deliquency. Still seems very hard to believe.
JTFH said:Outside of Florida and Cali/Nev/part of AZ, I don't see much of a pattern... Except for that giant stripe of responsibleness in the middle of the country.
WTG corn belt!
byex0039 said:Data for the smallest 10 percent of the counties by population have been removed and the counties are shaded grey because small population statistics are prone to extreme values and erratic fluctuations. What he said...
That region could be solid black for all we know...
TheMeliorist said:I think there are serious errors here. Yes, those statistics in all four counties you mentioned seem unbelievable. For the first three, I can't believe the delinquency rate was 0 a year ago. For Wheeler, I can't believe that the delinquency rate is 0 now.
Clearly, there are a number of counties which have zeros rather than proper data. I would have expected better presentation from the New York Fed: a different neutral color for "data unavailable," for example. I guess I'm not surprised, just disappointed.
Senturon said:JTFH said:Outside of Florida and Cali/Nev/part of AZ, I don't see much of a pattern... Except for that giant stripe of responsibleness in the middle of the country.
WTG corn belt!
byex0039 said:Data for the smallest 10 percent of the counties by population have been removed and the counties are shaded grey because small population statistics are prone to extreme values and erratic fluctuations. What he said...
That region could be solid black for all we know... Could be, but the borders of that strip of no data show responsibility in general. Rates are likely low but with insufficient data to report.
Anyone else finds it weird that they use the same color for 6% delinquency and 13% delinquency on the mortgage map? There is one shade of color for 5% and more and 4 shades of color for everything under 5%. Very strange way for breaking down information.
Disclaimer: By providing links to other sites, FatWallet.com does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to FatWallet.com.
