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Agency Sales - Government Credit Quality

Agency Sales - Government Credit Quality

As we head into the fall season, and with volume recently picking up, we wanted to get a good sense of how the credit quality vs LTV looked month-to-date.  With government lending, credit quality shifts are generally smaller during this time period, and this is seen as the deltas of each LTV range are sub 1%.  The biggest shifts we are seeing MTD are within the 90.01% or more bucket, where there has been a shift to the 720-799 FICOs.  With volume recently rising, it’s comforting to see the credit profiles lean towards the higher side.

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