Among mortgage types, the new-foreclosure rate worsened the most for prime fixed-rate loans in the second quarter, indicating that unemployment has replaced product category as the biggest driver of defaults, the Mortgage Bankers Association said Thursday.

The foreclosure start rate rose 33 basis points from a year earlier and 6 basis points from the first quarter to 0.67%, the trade group said. By contrast, for subprime adjustable-rate mortgages, the figure fell 52 basis points from the second quarter and 13 basis points from a year earlier, to 4.13%.

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