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Home » GSE MBS Characteristics » Files

GSE MBS Characteristics

GSE Credit Score Comparison: 2023-2025 (PDF)

October 1, 2026

Comparison of average scores for five models: Classic FICO, VantageScore 4.0, FICO 10T and the proprietary models of Fannie Mae and Freddie Mac. Breakouts by GSE by purpose.

GSE Credit Score Comparison: 2023-2025 (Spreadsheet)

October 1, 2026

Comparison of average scores for five models: Classic FICO, VantageScore 4.0, FICO 10T and the proprietary models of Fannie Mae and Freddie Mac. Breakouts by GSE by purpose.

GSE New Business Trends by Loan Purpose: 2014-July 2026 (PDF)

August 21, 2026

Marketwide numbers. Dollar volume for purchase and refinance mortgages. Includes unpaid principal balance and average FICO score, debt-to-income and loan-to-value ratios for each loan purpose. Monthly numbers beginning 2023.

GSE New Business Trends by Loan Purpose: 2014-July 2026 (Spreadsheet)

August 21, 2026

Marketwide numbers. Dollar volume for purchase and refinance mortgages. Includes unpaid principal balance and average FICO score, debt-to-income and loan-to-value ratios for each loan purpose. Monthly and annual numbers.

GSE Single-Family Mortgage Pool Characteristics: 2005-4Q25 (PDF)

April 14, 2026

Breakdown of single-family mortgage pool characteristics for each of the GSEs, including volume by product type (fixed-rate, adjustable-rate and refi) and data on characteristics (loan size, loan-to-value, FICO). Includes MBS share for ARMs and refis. Quarterly data beginning 2016.

GSE Single-Family Mortgage Pool Characteristics: 2005-4Q25 (Spreadsheet)

April 14, 2026

Breakdown of single-family mortgage pool characteristics for each of the GSEs, including volume by product type (fixed-rate, adjustable-rate and refi) and data on characteristics (loan size, loan-to-value, FICO). Includes MBS share for ARMs and refis. Quarterly data beginning 2011.

GSE Social History Scores: 2010-2022 (PDF)

December 22, 2022

Comparison of average social density index scores and average social criteria index scores reported by each GSE per year. Includes scores for active pools and all pools as well as remaining principal balance for active pools.

GSE Social History Scores: 2010-2022 (Spreadsheet)

December 22, 2022

Comparison of average social density index scores and average social criteria index scores reported by each GSE per year. Includes scores for active pools and all pools as well as remaining principal balance for active pools.

Credit Trends in GSE Business: 5M15 PDF Format

August 22, 2018
Average underwriting characteristics for Fannie Mae and Freddie Mac MBS issuance. Includes average FICO score, debt-to-income ratio, and loan-to-value ratio by month for purchase loans, first-time buyers, and refinances. Also includes distribution by FICO bucket (620-699, 700-739, and 740 and up) by loan-to-value bucket (80 percent or less, 81 to 95, 95 to 97) by month for purchase loans, first-time buyers and refinances.

Credit Trends in GSE Business: 5M15 Spreadsheet Format

August 22, 2018
Average underwriting characteristics for Fannie Mae and Freddie Mac MBS issuance. Includes average FICO score, debt-to-income ratio, and loan-to-value ratio by month for purchase loans, first-time buyers, and refinances. Also includes distribution by FICO bucket (620-699, 700-739, and 740 and up) by loan-to-value bucket (80 percent or less, 81 to 95, 95 to 97) by month for purchase loans, first-time buyers and refinances.
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