Mortgage Securitization

Treasury Credit Rating Agency Exercise

Pool characteristics from Department of Treasury exercise in which six rating services rated pools of mortgages acquired by Freddie Mac and a hypothetical non-agency MBS to show probable credit enhancement required for non-agency MBS. Includes average underwriting characteristics for each pool and AAA-level expected losses for each pool from each rater.

4Q14 Data

Poll

In 2016, what have you been paying your retail residential loan officers, on average, as a commission?

25 to 50 basis points per loan
51 to 75 bps
76 to 100 bps
101 to 150 bps
More than 150 bps
We’re a call center lender and don’t disclose that data point.

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Housing Pulse