Company: FMCCN
Filing Date: 2025-02-13
Form Type: 10-K
Source: 0001026214-25-000040
Chunk: 67

Company: FEDERAL HOME LOAN MORTGAGE CORP
Filing Date: 2025-02-13
Form: 10-K
Item: Item 15
Chunk 67
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 weighted average current credit score755 755 DTI ratio:Above 45%18 16 Portfolio weighted average DTI ratio36 35 Property type:Detached single-family houses and townhouse92 92 Condominium or co-op8 8 Occupancy type at origination:Primary residence92 92 Second home3 3 Investment property5 5 Loan purpose:Purchase50 46 Cash-out refinance19 21 Other refinance31 33 

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

(2)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-K60

Management's Discussion and AnalysisRisk Management

The following table presents the combination of credit score and CLTV ratio attributes of loans in our Single-Family mortgage portfolio.

Table 25 - Single-Family Mortgage Portfolio Attribute Combinations(1)(2) December 31, 2024CLTV ≤ 60CLTV > 60 to 80CLTV > 80 to 90CLTV > 90 to 100CLTV > 100All LoansCurrent credit score% of PortfolioSDQ Rate% of PortfolioSDQ Rate% of PortfolioSDQ Rate% of PortfolioSDQ Rate% of PortfolioSDQ Rate% of PortfolioSDQ Rate740 and above50 %0.04 %16 %0.05 %4 %0.09 %2 %0.10 %— %NM72 %0.05 %700 to 7399 0.22 2 0.22 2 0.25 1 0.18 — NM14 0.22 680 to 6992 0.45 2 0.40 — NM— NM— NM4 0.44 660 to 6792 0.73 1 0.66 — NM— NM— NM3 0.71 620 to 6592 1.60 1 1.62 — NM— NM— NM3 1.60 Less than 6203