US DATA: Q4 MBA mtg delinquency rate 7.58% (SA) vs 7.99% in Q3 and
8.25% a yr ago as the economy improves. Q4 foreclosure starts 0.99% vs
1.08% in Q3. FHA delinqs are elevated vs others, FHA rate 12.36% in Q4
vs 12.09% Q3.