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Subprime Transitions: Lingering Or Malingering In Default?

Subprime Transitions: Lingering Or Malingering In Default? 2025

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The document titled 'Subprime Transitions: Lingering or Malingering in Default?' by Dennis R. Capozza and Thomas A. Thomson examines the transition process of seriously delinquent subprime mortgage loans. It analyzes a unique dataset of subprime mortgages that were at least 90 days delinquent as of September 30, 2001, tracking their status eight months later. The study finds that subprime loans are more likely to transition to real estate owned (REO) status compared to prime loans but take significantly longer to do so. Key factors influencing these transitions include the number of payments made by borrowers and the loan-to-value ratio. The research highlights the complexities of the recovery process for subprime loans and suggests that lenders often exhibit forbearance, delaying foreclosure proceedings.

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