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Management's Discussion and Analysis Our Business Segments | Single-Family Guarantee

Freddie Mac 2015 Form 10-K 46

Single-family Credit Guarantee Portfolio

Single-Family Credit Guarantee Portfolio as

of December 31,

Total Single-Family Loans as of December

31,

Commentary

• The Core single-family book grew to 66% of the single-family credit guarantee portfolio at December

31, 2015. We exclude HARP and other relief refinance loans from the Core single-family book

because such loans generally reflect credit risk attributes of the original loans (many of which were

originated between 2005 and 2008).