Company: FMCCN
Filing Date: 2025-05-01
Form Type: 10-Q
Source: 0001026214-25-000060
Chunk: 19

Company: FEDERAL HOME LOAN MORTGAGE CORP
Filing Date: 2025-05-01
Form: 10-Q
Item: Item 15
Chunk 19
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 credit quality characteristics and serious delinquency rate information on loans underlying certain 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 1Q 2025 Form 10-Q23

Management's Discussion and AnalysisRisk Management

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

Table 20 - Single-Family Mortgage Portfolio Attribute Combinations(1)March 31, 2025CLTV ≤ 60CLTV > 60 to 80CLTV > 80 to 90CLTV > 90 to 100CLTV > 100All LoansCurrent credit score(2)(3)% of PortfolioSDQ Rate% of PortfolioSDQ Rate% of PortfolioSDQ Rate% of PortfolioSDQ Rate% of PortfolioSDQ Rate% of PortfolioSDQ Rate740 and above50 %0.04 %16 %0.06 %4 %0.09 %2 %0.10 %— %NM72 %0.05 %700 to 7398 0.22 3 0.23 1 0.25 1 0.21 — NM13 0.22 680 to 6992 0.43 1 0.40 1 0.51 — NM— NM4 0.43 660 to 6792 0.68 1 0.65 — NM— NM— NM3 0.68 620 to 6592 1.49 1 1.59 — NM— NM— NM3 1.51 Less than 6203 7.63 1 10.33 1 12.19 — NM— NM5 8.54 Total67 %0.50 23 %0.83 7 %1.03 3 %0.84 — %NM100 %0.59 

December 31, 2024