Company: FMCCN
Filing Date: 2025-02-13
Form Type: 10-K
Source: 0001026214-25-000040
Chunk: 66

Company: FEDERAL HOME LOAN MORTGAGE CORP
Filing Date: 2025-02-13
Form: 10-K
Item: Item 15
Chunk 66
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 securitization products for which data was not available.

(2)Original credit score is generally based on three credit bureaus (Equifax, Experian, and TransUnion). Current credit score is based on Experian only. 

(3)Credit scores for certain recently acquired loans may not have been updated by the credit bureau since the loan acquisition and therefore the original credit scores also represent the current credit scores.

FREDDIE MAC  |  2024 Form 10-K59

Management's Discussion and AnalysisRisk Management

Table 24 - Characteristics of the Loans in Our Single-Family Mortgage Portfolio December 31, 2024December 31, 2023(Dollars in millions)Amount% of TotalAmount% of Total20- and 30-year or more, amortizing fixed-rate$2,775,489 90 %$2,671,735 88 %15-year or less, amortizing fixed-rate292,763 9 329,489 11 Adjustable-rate and other35,922 1 37,686 1 Total$3,104,174 100 %$3,038,910 100 %Percentage of portfolio based on UPBOriginal LTV ratio range:60% and below22 %23 %Above 60% to 80%49 49 Above 80% to 90%12 12 Above 90% to 100%16 15 Above 100%1 1 Portfolio weighted average original LTV ratio74 73 Current LTV ratio range:60% and below68 68 Above 60% to 80%23 24 Above 80% to 90%6 6 Above 90% to 100%3 2 Above 100%— — Portfolio weighted average current LTV ratio52 52 Original credit score(1):740 and above64 64 700 to 73921 21 680 to 6997 7 660 to 6794 4 620 to 6593 3 Less than 6201 1 Portfolio weighted average original credit score751 750 Current credit score(1)(2):740 and above72 71 700 to 73913 14 680 to 6994 4 660 to 6793 3 620 to 6594 4 Less than 6204 4 Portfolio