Just over a third of the mortgage pools delivered by Countrywide Financial to Fannie Mae and Freddie Mac last year had average loan-to-value ratios that were ripe for private mortgage insurance, according to an exclusive new analysis by Inside Mortgage Finance. For the year, a total of $196.22 billion of conventional conforming loans were run through the government-sponsored enterprises’ MBS guaranty programs in pools that had average LTV ratios greater than 75 percent... [One data table included]