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Table 35 presents statistics for combinations of certain attributes of single-family mortgage loans held on our consolidated balance sheets.
Table 35 — Single-Family Mortgage Loans by Attribute Combination at December 31, 2009
Percentage
of Loans
(2)
Percentage
Modified
(3)
Delinquency
Rate
(4)
Percentage
of Loans
(2)
Percentage
Modified
(3)
Delinquency
Rate
(4)
Percentage
of Loans
(2)
Percentage
Modified
(3)
Delinquency
Rate
(4)
Percentage
of Loans
(2)
Percentage
Modified
(3)
Delinquency
Rate
(4)
Current LTV
(1)
80 Current LTV
(1)
Between 80-95 Current LTV
(1)
95 Current LTV
(1)
All LoansBy Product Type
FICO 620:
30-year amortizing fixed-rate . . ........ 3.6% 38.4% 27.7% 2.4% 63.8% 37.0% 6.4% 83.7% 49.7% 12.4% 61.6% 38.4%
15-year amortizing fixed-rate . . ........ 0.3 15.5 21.7 0.0 22.0 35.6 0.1 32.6 61.1 0.4 16.2 23.3
ARMs/adjustable-rate . . ............. 0.1 0.0 23.3 0.0 0.0 37.4 0.0 1.4 56.1 0.1 0.3 32.5
Interest only . . . .................. 0.0 7.1 31.0 0.0 1.7 60.0 0.2 3.8 80.2 0.2 3.8 71.2
Balloon/resets . . .................. 0.0 0.0 44.7 0.0 5.3 31.6 0.0 0.0 46.7 0.0 0.7 43.4
FHA/VA ....................... 0.2 13.4 16.7 0.1 8.4 8.4 0.3 3.4 15.0 0.6 10.2 15.6
USDA Rural Development ............ 0.1 6.4 14.8 0.1 3.1 13.6 0.2 1.9 10.8 0.4 3.0 12.1
Total FICO 620................. 4.3 31.2 25.4 2.6 57.2 35.1 7.2 71.8 45.6 14.1 51.1 34.7
FICO of 620 to 659:
30-year amortizing fixed-rate . . ........ 4.5 33.7 20.3 3.0 56.0 28.1 7.8 79.7 40.7 15.3 55.9 29.8
15-year amortizing fixed-rate . . ........ 0.6 12.5 12.8 0.1 9.6 11.2 0.0 40.2 35.3 0.7 12.8 13.1
ARMs/adjustable-rate . . ............. 0.1 0.0 21.1 0.0 1.8 38.9 0.1 0.0 56.6 0.2 0.3 33.7
Interest only . . . .................. 0.0 1.4 37.5 0.0 4.1 63.9 0.3 3.2 82.2 0.3 3.1 74.4
Balloon/resets . . .................. 0.1 0.4 31.8 0.0 2.5 38.0 0.0 0.0 45.5 0.1 0.7 35.7
FHA/VA ....................... 0.0 6.0 6.3 0.1 0.0 3.1 0.2 0.6 2.4 0.3 1.7 3.4
USDA Rural Development ............ 0.0 2.1 7.3 0.1 1.4 8.0 0.5 0.7 4.4 0.6 1.0 5.5
Total FICO of 620 to 659 ............ 5.3 28.1 18.7 3.3 49.0 26.4 8.9 66.0 36.2 17.5 46.3 26.8
FICO = 660:
30-year amortizing fixed-rate . . ........ 22.2 10.2 5.9 10.4 20.0 9.8 14.9 58.2 27.1 47.5 22.9 11.4
15-year amortizing fixed-rate . . ........ 10.7 1.3 1.5 1.3 0.6 1.0 0.1 5.5 7.4 12.1 1.3 1.5
ARMs/adjustable-rate . . ............. 0.3 0.3 14.0 0.1 0.7 24.9 0.2 1.0 47.7 0.6 0.6 23.8
Interest only . . . .................. 0.3 0.7 9.7 0.4 1.7 23.2 0.9 2.9 57.2 1.6 2.2 39.7
Balloon/resets . . .................. 0.5 0.1 13.2 0.2 0.0 22.3 0.1 0.2 29.2 0.8 0.1 17.6
FHA/VA ....................... 0.1 0.5 2.2 0.1 0.0 0.7 0.8 0.1 0.2 1.0 0.1 0.6
USDA Rural Development ............ 0.1 1.1 3.8 0.3 0.4 2.8 1.4 0.2 1.3 1.8 0.4 1.8
Total FICO =660................ 34.2 6.3 4.3 12.8 16.0 8.8 18.4 43.3 22.9 65.4 15.1 8.6
Total of FICO not available............ 1.7 10.6 10.1 0.4 10.0 7.8 0.9 21.9 17.7 3.0 12.3 11.1
All FICO
(5)
:
30-year amortizing fixed-rate . . ........ 31.6 17.0 10.9 15.9 33.3 17.3 29.3 70.0 36.2 76.8 34.6 19.1
15-year amortizing fixed-rate . . ........ 11.6 2.8 3.2 1.4 1.7 2.5 0.2 13.4 17.5 13.2 2.8 3.3
ARMs/adjustable-rate . . ............. 0.6 0.1 11.9 0.2 0.8 29.9 0.3 0.9 51.3 1.1 0.3 19.8
Interest only . . . .................. 0.4 1.2 13.4 0.4 1.9 30.2 1.3 3.0 64.3 2.1 2.5 47.8
Balloon/resets . . .................. 0.5 0.1 17.1 0.2 0.5 24.6 0.2 0.2 32.5 0.9 0.2 21.2
FHA/VA ....................... 0.5 9.3 12.4 0.6 1.0 2.0 1.9 0.7 3.4 3.0 3.4 6.0
USDA Rural Development ............ 0.3 2.5 7.1 0.4 1.1 5.7 2.2 0.6 3.3 2.9 0.9 4.2
Total Single-family mortgage loans
(2)
. . . . . . 45.5% 11.7% 8.5% 19.1% 27.0% 15.3% 35.4% 54.0% 30.6% 100.0% 24.6% 15.1%
See endnotes on next page.
113 Freddie Mac