Sentences with phrase «as higher delinquencies»

Higher risk has not shown up as higher delinquencies and defaults... yet.

«While the focus in recent years has been on the mortgage market, lenders will need to keep an eye on student loan portfolios — and on customers who have student loan debt — as the high delinquency rates among these borrowers can spell trouble across multiple products.»

Not exact matches

This implies that among loans in the repayment cycle delinquency rates are roughly twice as high.

As I look at that, the 3.68 % reserve rate, but with the charge - offs below 2.8 % and delinquencies down 30 basis points this quarter, which points to lower charge - offs the next quarter or 2, it would seem to me like that rate is too high.

The growth in delinquencies on prime variable loans is also noteworthy in Graph 7 but this predominantly reflects higher arrears on Alt - A loans, which are categorised as prime loans in the Mortgage Bankers Association data used here.

Not surprisingly, data released this month from the the Financial Industry Regulatory Authority's Investor Education Foundation, which seeks to promote financial literacy, reveal high school students who are required to take personal finance courses have better average credit scores and lower debt delinquency rates as young adults.

Analysts have been warning for years that subprime car loans pose a threat to lenders as delinquency rates have edged higher since reaching a post-recession low in 2012.

«This implies that among loans in the repayment cycle, delinquency rates are roughly twice as high,» the report says.

The study also found that children and adolescents who experience higher levels of overt victimization report higher levels of overt aggression and lower levels of prosocial support, and exhibit more externalizing behavior such as delinquency, impulsivity, and conduct problems.

Alexander Schauss, author of the book Diet, Crime and Delinquency (1980), described as «the first clear guide to correcting behavior through diet,» used case studies to show that high intake of sugar, processed foods, junk foods, food additives along with insufficient nutrients, food allergies and lack of exercise, can all contribute to criminal behavior.97

New research shows that higher suspension rates are closely correlated with higher dropout and delinquency rates, and that they have tremendous economic costs for the suspended students (Marchbanks, 2015), as well as for society as a whole (Losen, 2015).

This implies that among loans in the repayment cycle delinquency rates are roughly twice as high.»

FHA mortgages, as critics note, now have high delinquency rates, meaning that someone has missed one or more payments.

To include borrowers delinquent on their non-FHA ARMs due to a rate reset or the occurrence of an extenuating circumstance but experienced no more than two 30 - day or one 60 - day late payment in the 12 months prior to the rate reset or extenuating circumstance that caused the delinquency; (In a telephone news conference with reporters when the FHASecure program was first introduced, a high - ranking HUD official explained that the program was open to delinquent borrowers regardless of how many payments had been missed — he actually mentioned six or more as an example.)

States that have a high percentage of loans that are not current, such as Florida, New York, Maine, New Jersey, and Mississippi, are likely to feel the greatest impact while states like Wyoming, Alaska, Montana, North Dakota, and South Dakota with the fewest number of loans that are not current will be less affected by home loan delinquencies.

If your APR was raised as a result of payment delinquency, it doesn't have to stay high.

Delinquency rates for other forms of debt (student loans, home equity lines of credit, and auto loans) were at relative highs as well.

But statistically, borrowers with high debt ratios are more likely to miss payments and cease payments (also known as delinquencies and defaults).

A NTMCR is designed to assess the credit history of the borrower without the benefit of institutional trade references and should format as traditional references — including creditor's name, date of opening, high credit, current status of the account, required payment, unpaid balance, and a payment history in the delinquency categories of 0 × 30, 0 × 60 etc..

Credit history is usually updated monthly and includes information such as payment history, credit limits, high and low balances, and severity of delinquency with debt.

Still, Maryland has been cushioned somewhat from problems in states such as California, Nevada, Arizona and Florida, which had the biggest run - up in housing prices and now have the highest delinquency numbers, the bankers group said.

Like the Fed's study, the FICO analysis doesn't include loans that are in a deferred status — which means the number of people who can't afford to pay back that money may be almost twice as high as what the official delinquency rates reflect.

Special Delinquency Rates When you do not pay your credit card bill on time, you will receive a higher interest rate called «delinquency rates» otherwise known as «default raDelinquency Rates When you do not pay your credit card bill on time, you will receive a higher interest rate called «delinquency rates» otherwise known as «default radelinquency rates» otherwise known as «default rates».

This implies that among loans in the repayment cycle delinquency rates are roughly twice as high).

From the point of view of the children of separating families, the costs of conflict can include: impaired brain development; higher incidences of truancy and delinquency, alcohol and drug use and other maladaptive behaviours; higher levels of stress and psychological disorder; and, in their lives as adults, problems forming stable, trusting relationships and dispute resolution strategies modelled on their parents» approaches.

Other personal factors — a strong and sustained relationship with at least one adult, an even temperament, and an ability to evoke positive responses in others — have been identified as «protective factors» that can help insulate even high - risk youth from the danger of falling into delinquency.

As expected, these findings indicate that if the quality of studies is higher, stronger links will be found between parenting dimensions and delinquency.

Parents of youth with internalizing and externalizing behaviors, substance use and abuse, delinquency, police arrests, out - of - home placements, and deviant peer association; parents who are depressed, highly stressed, living in poverty or high - crime neighborhoods, Spanish - speaking immigrants, parents returning from wars (e.g., Iraq / Afghanistan) who may be experiencing posttraumatic stress disorder (PTSD), mothers living in shelters or supportive housing because of homelessness or domestic violence, birth parents whose children are in care because of abuse / neglect, and family with transitions such as divorce, single parenting, and step - families

This multisite randomized controlled trial examines the impact of a 12 - year long professional youth mentoring program, Friends of the Children (FOTC), on boys and girls who were identified during kindergarten as at the highest risk and lowest protection for future problems, including antisocial behavior and delinquency.

High - quality father involvement and support are associated with positive child outcomes, such as decreased delinquency and behavioral problems, improved cognitive development, increased educational attainment, and better psychological well - being.8

For example... data that finds that delinquency is twice as high in cases where the father is absent than when he is present... no such problem has been found in studies of lesbian two - parent families.

Fact: «Although early research suggests that youth living in two - parent biological families fare better on a range of developmental outcomes than those in single - parent or alternative structures (Amato and Keith, 1991), this research typically finds that effects of family structure on developmental outcomes such as delinquency are not strong (Hetherington and Kelly, 2002)... More tangible differences in family dynamics or circumstances — such as supervision practices — are largely responsible when study groups have different outcomes... The highest rates of delinquency were for youth in father - only households, followed by father - stepmother...»

These youth are at high risk for chronic delinquency, drug abuse, and HIV / AIDS and are particularly vulnerable to detrimental social, health, and mental health outcomes including chronic offending, drug dependence, and contracting HIV, as well as for a host of additional problems as they age (e.g., AIDS, physical and mental health problems, incarceration, early death).

Adolescent emotional and behavioural problems result in great personal, social and monetary cost.1, 2 The most serious, costly and widespread adolescent problems — suicide, delinquency, violent behaviours and unintended pregnancy — are potentially preventable.3 In addition to high - risk behaviours, such as the use of alcohol, tobacco and other drugs; parents of adolescents also express concerns in everyday parenting issues, such as fighting with siblings, talking back to adults and not doing school work.4 These parental concerns are often perceived as normative during adolescence and the impact on family dynamics, such as parental stress and negative parent — adolescent relationships, is often undermined.

As different combinations of elevated scores on psychopathic traits may lead to different types of juvenile delinquency [9], with for example a higher score on all three YPI scales predicting the probability for having committed violent offenses and a higher score on only one scale of the YPI predicting the probability for having committed non-violent offenses, we categorized the self - reported delinquency in two types of offenses (i.e., violent offenses and non-violent offenses).1 Furthermore, given the controversial discussion about the role of gender in the relationship between psychopathic traits and specific forms of self - reported delinquency; the second objective was to examine the influence of gender on this relationship.

The purpose of the current study was to examine the relationship between psychopathic traits and self - reported non-violent and violent offenses in a high - risk sample for juvenile delinquency as well as in a general population sample and how gender influences this relationship.

It is also expected that higher psychopathic traits are related to more externalizing problems, delinquency and drugs use in boys as well as in girls.

Gaining greater understanding of associations between psychopathic traits and delinquent behavior in a high - risk sample for juvenile delinquency as well as in a general population sample is essential for developing effective intervention strategies.

However, we expect delinquencies to rise only into the mid to upper 2 % range, a far cry from levels roughly twice as high during the early 1990s,» says Philipp.

«One must always ensure higher deposits, as in the above mentioned scenario, despite the tenant being exemplary over a two - year period, the demise of their personal relationship, resulted in severe delinquency.

Delinquencies on retail loans have risen to 6.5 percent, a percentage point higher than CMBS as a whole, according to Wells Fargo.

CMBS loan delinquencies have ticked higher in recent months and experts are predicting a more volatile stretch for the second half of the year as more large loans mature...

Morningstar Credit Ratings believes the delinquency rate will hold below 3.0 percent after reaching an 18 - month high of 2.19 percent in June, as there are fewer securitized commercial mortgages left that we expect will default at maturity, resolutions remain high and issuance has picked up.

This implies that among loans in the repayment cycle delinquency rates are roughly twice as high.»

During the 2008 financial crisis, Paul's research indicates that the delinquency on residential mortgages was as high as 4 - 5 % nationwide while multifamily loan delinquencies were 1 % and almost nil if you excluded over exuberant markets (think Las Vegas, Phoenix and Miami) and had experienced operators.

The US CMBS delinquency rate hit its highest level ever in the summer of that year as the close - to - $ 50 billion in 2007 loans came due in a still - recovering market.

Florida had the third highest mortgage delinquency rate, the worst foreclosure inventory, and the most foreclosure starts in the nation as of the date of the Order.