Attachment D - 30-year Prepayment Line and Bar Charts Fastest Quartile Based on 3-month CPR.xlsx
XLSX spreadsheet 559 KB Posted
- Attached to
- Mortgage Prepayment Reports
- Solicitation number
- FHF-26-Q-0046
- Issued by
-
Federal Housing Finance Agency
About this file
This is a spreadsheet attachment containing 30-year prepayment line and bar charts representing mortgage prepayment data for the fastest quartile based on three-month Conditional Prepayment Rate (CPR) methodology. The file serves as a reference template or example deliverable for the Federal Housing Finance Agency (FHFA) mortgage prepayment reporting solicitation FHF-26-Q-0046.
The attachment illustrates the expected format and analytical presentation that contractors should use when delivering quarterly reports comparing loan origination and prepayment performance for mortgages guaranteed by Fannie Mae and Freddie Mac. The charts display 30-year mortgage prepayment trends segmented by performance quartiles, with emphasis on fastest-performing loans. This visual representation demonstrates how contractors should present commercially available prepayment data to FHFA for internal use and potential sharing with other government agencies or the public. The spreadsheet format indicates that deliverables should include both graphical visualizations and underlying data suitable for analysis of mortgage performance metrics over extended time periods.
View the file
Other files
| File | Type | Posted |
|---|---|---|
| Questions and Answers.pdf | ||
| Attachment B - Terms and Conditions.pdf | ||
| Attachment D - Vintage Comparison Q4 2025.xlsx | XLSX spreadsheet | |
| Attachment D - Quartiles Q4 2025.xlsx | XLSX spreadsheet | |
| Attachment C - Pricing Worksheet.xlsx | XLSX spreadsheet | |
| Request for Quotation.pdf | ||
| Attachment D - WAC_to_Coupon_Comparison.xlsx | XLSX spreadsheet | |
| Attachment B - Terms and Conditions.pdf | ||
| Attachment D - 30-year Prepayment Line and Bar Charts 1-month CPR.xlsx | XLSX spreadsheet | |
| Attachment A - Statement of Work.pdf | ||
| Attachment D - Issuance Q4 2025.xlsx | XLSX spreadsheet |
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1.5% Coupon
| Dec-25 | Nov-25 | Oct-25 | Sep-25 | Aug-25 | Jul-25 | Jun-25 | May-25 | Apr-25 | Mar-25 | Feb-25 | Jan-25 | Dec-24 | Nov-24 | Oct-24 | Sep-24 | Aug-24 | Jul-24 | Jun-24 | May-24 | Apr-24 | Mar-24 | Feb-24 | Jan-24 | Dec-23 | Nov-23 | Oct-23 | Sep-23 | Aug-23 | Jul-23 | Jun-23 | May-23 | Apr-23 | Mar-23 | Feb-23 | Jan-23 | Dec-22 | Nov-22 | Oct-22 | Sep-22 | Aug-22 | Jul-22 | Jun-22 | May-22 | Apr-22 | Mar-22 | Feb-22 | Jan-22 | Dec-21 | |
| Fannie Mae 2022 | 6.1 | 2.9 | 3.1 | 2.9 | 5.3 | 5.4 | 5.3 | 3.9 | 4.0 | 2.6 | 5.1 | 3.9 | 7.0 | 6.4 | 7.3 | 5.9 | 7.8 | 7.0 | 6.4 | 4.3 | 3.9 | 2.5 | 3.2 | 2.6 | 2.6 | 2.2 | 2.7 | 3.0 | 4.0 | 2.4 | 4.2 | 3.0 | 2.5 | 0.2 | 2.2 | 3.7 | 5.3 | 4.4 | 4.0 | 3.1 | 3.2 | 2.4 | 1.4 | 2.3 | 1.5 | - 0 | |||
| Freddie Mac 2022 | 3.9 | 3.1 | 2.3 | 5.1 | 5.5 | 8.7 | 8.3 | 9.0 | 8.5 | 7.6 | 8.3 | 5.4 | 5.3 | 2.9 | 3.8 | 4.6 | 7.4 | 4.9 | 3.3 | 3.1 | 2.6 | 2.7 | 3.1 | 3.1 | 4.1 | 2.8 | 3.4 | 2.8 | 2.8 | 2.5 | 2.5 | 3.3 | 2.9 | 2.8 | 1.3 | 1.6 | 2.7 | 2.7 | 3.9 | 4.1 | 3.7 | 3.7 | 1.2 | 2.8 | 3.2 | - 0 | |||
| Fannie Mae 2021 | 4.4 | 4.3 | 5.0 | 5.1 | 5.6 | 5.5 | 5.1 | 4.4 | 4.0 | 3.6 | 3.8 | 3.9 | 4.1 | 3.9 | 4.2 | 4.5 | 4.9 | 5.4 | 5.0 | 4.6 | 3.6 | 3.0 | 2.9 | 3.0 | 3.1 | 3.5 | 3.9 | 4.3 | 4.8 | 4.8 | 4.7 | 4.4 | 3.6 | 3.0 | 2.8 | 3.2 | 3.7 | 4.4 | 4.8 | 4.8 | 5.5 | 5.9 | 6.4 | 6.4 | 6.1 | 6.2 | 6.0 | 6.8 | 7.6 |
| Freddie Mac 2021 | 4.1 | 4.3 | 4.7 | 5.1 | 5.4 | 5.5 | 5.3 | 4.6 | 4.0 | 3.4 | 3.5 | 3.4 | 3.8 | 3.8 | 4.2 | 4.6 | 5.0 | 5.1 | 4.8 | 4.5 | 4.1 | 3.5 | 3.0 | 2.9 | 3.0 | 3.2 | 3.9 | 4.3 | 4.8 | 4.9 | 4.7 | 4.3 | 3.5 | 3.1 | 2.7 | 2.8 | 3.3 | 3.8 | 4.6 | 5.0 | 5.6 | 5.8 | 6.3 | 6.4 | 6.1 | 6.1 | 6.3 | 6.6 | 7.2 |
| Fannie Mae 2020 | 3.8 | 4.1 | 4.6 | 4.9 | 5.2 | 5.1 | 4.8 | 4.3 | 3.9 | 3.5 | 3.4 | 3.6 | 4.1 | 4.0 | 4.4 | 4.4 | 4.6 | 4.5 | 4.4 | 4.0 | 3.6 | 3.2 | 3.2 | 3.0 | 3.1 | 3.4 | 3.7 | 4.1 | 4.6 | 4.7 | 4.6 | 4.3 | 3.7 | 3.1 | 2.8 | 3.0 | 3.4 | 4.3 | 4.9 | 5.1 | 5.6 | 6.2 | 6.5 | 6.7 | 6.6 | 6.5 | 6.8 | 7.8 | 8.8 |
| Freddie Mac 2020 | 4.0 | 4.1 | 4.3 | 4.5 | 4.9 | 5.2 | 5.0 | 4.4 | 3.7 | 3.3 | 3.1 | 3.2 | 3.6 | 3.5 | 4.0 | 4.3 | 4.4 | 4.4 | 4.2 | 3.9 | 3.3 | 2.9 | 2.8 | 2.8 | 3.1 | 3.3 | 3.8 | 4.1 | 4.5 | 4.4 | 4.3 | 4.1 | 3.6 | 3.2 | 3.0 | 3.2 | 3.6 | 4.2 | 4.7 | 5.1 | 5.6 | 5.9 | 6.6 | 6.7 | 6.6 | 6.6 | 7.0 | 8.1 | 9.0 |
| Fannie Mae All | 4.2 | 4.2 | 4.9 | 5.0 | 5.5 | 5.3 | 5.0 | 4.4 | 4.0 | 3.6 | 3.7 | 3.7 | 4.2 | 4.1 | 4.5 | 4.6 | 4.9 | 5.0 | 4.7 | 4.3 | 3.6 | 3.1 | 3.0 | 3.0 | 3.1 | 3.5 | 3.9 | 4.3 | 4.8 | 4.8 | 4.7 | 4.3 | 3.6 | 3.1 | 2.8 | 3.1 | 3.6 | 4.5 | 4.9 | 5.1 | 5.7 | 6.2 | 6.5 | 6.7 | 6.5 | 6.4 | 6.7 | 7.5 | 8.3 |
| Freddie Mac All | 4.1 | 4.3 | 4.6 | 4.8 | 5.2 | 5.4 | 5.2 | 4.5 | 3.9 | 3.4 | 3.3 | 3.4 | 3.8 | 3.7 | 4.1 | 4.5 | 4.8 | 4.9 | 4.6 | 4.3 | 3.8 | 3.3 | 2.9 | 2.9 | 3.1 | 3.3 | 3.8 | 4.3 | 4.7 | 4.7 | 4.5 | 4.2 | 3.6 | 3.1 | 2.9 | 3.1 | 3.5 | 4.1 | 4.7 | 5.1 | 5.6 | 5.9 | 6.5 | 6.6 | 6.4 | 6.4 | 6.8 | 7.8 | 8.6 |
| 2020 | 2021 | 2022 | All | ||||||||||||||||||||||||||||||||||||||||||||||
| Fannie Mae | 3.8 | 4.4 | 6.1 | 4.2 | |||||||||||||||||||||||||||||||||||||||||||||
| Freddie Mac | 4.0 | 4.1 | 3.9 | 4.1 |
Comparison of 30-year 1.5% Fastest Quartile based on 3-month CPR
Fannie Mae 2020 2021 2022 All 3.8 4.4000000000000004 6.1 4.2 Freddie Mac 2020 2021 2022 All 4 4.0999999999999996 3.9 4.0999999999999996 3-month CPR
30-year 1.5% Coupon, Last Six Years Fastest Quartile based on 3-month CPR
Fannie Mae All 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 44593 44562 44531 44501 44470 44440 44409 44378 44348 44317 44287 44256 44228 44197 44166 44136 44105 44075 44044 44013 43983 43952 43922 43891 43862 43831 43800 43770 43739 43709 43678 43647 43617 43586 43556 43525 43497 43466 43800 4.2 4.2 4.9000000000000004 5 5.5 5.3 5 4.4000000000000004 4 3.6 3.7 3.7 4.2 4.0999999999999996 4.5 4.5999999999999996 4.9000000000000004 5 4.7 4.3 3.6 3.1 3 3 3.1 3.5 3.9 4.3 4.8 4.8 4.7 4.3 3.6 3.1 2.8 3.1 3.6 4.5 4.9000000000000004 5.0999999999999996 5.7 6.2 6.5 6.7 6.5 6.4 6.7 7.5 8.3000000000000007 9.1999999999999993 9.6999999999999993 9.1999999999999993 7.9 6.6 6.1 5.8 5.4 4.8 4.5 4.4000000000000004 4.4000000000000004 3.7 2.9 2.6 Freddie Mac All 4.0999999999999996 4.3 4.5999999999999996 4.8 5.2 5.4 5.2 4.5 3.9 3.4 3.3 3.4 3.8 3.7 4.0999999999999996 4.5 4.8 4.9000000000000004 4.5999999999999996 4.3 3.8 3.3 2.9 2.9 3.1 3.3 3.8 4.3 4.7 4.7 4.5 4.2 3.6 3.1 2.9 3.1 3.5 4.0999999999999996 4.7 5.0999999999999996 5.6 5.9 6.5 6.6 6.4 6.4 6.8 7.8 8.6 9.5 9.8000000000000007 9.3000000000000007 8.1999999999999993 6.8 6.1 5.9 5.4 5.3 4.3 4.3 4.4000000000000004 3.3 1.8 1.3 0.9
30-year 1.5% Coupon, 2022
Fannie Mae 2022 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 6.1 2.9 3.1 2.9 5.3 5.4 5.3 3.9 4 2.6 5.0999999999999996 3.9 7 6.4 7.3 5.9 7.8 7 6.4 4.3 3.9 2.5 3.2 2.6 2.6 2.2000000000000002 2.7 3 4 2.4 4.2 3 2.5 0.2 2.2000000000000002 3.7 5.3 4.4000000000000004 4 3.1 3.2 2.4 1.4 2.2999999999999998 1.5 0 Freddie Mac 2022 3.9 3.1 2.2999999999999998 5.0999999999999996 5.5 8.6999999999999993 8.3000000000000007 9 8.5 7.6 8.3000000000000007 5.4 5.3 2.9 3.8 4.5999999999999996 7.4 4.9000000000000004 3.3 3.1 2.6 2.7 3.1 3.1 4.0999999999999996 2.8 3.4 2.8 2.8 2.5 2.5 3.3 2.9 2.8 1.3 1.6 2.7 2.7 3.9 4.0999999999999996 3.7 3.7 1.2 2.8 3.2 0
30-year 1.5% Coupon, 2021
Fannie Mae 2021 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 44593 44562 44531 44501 44470 44440 44409 44378 44348 44317 44287 44256 4.4000000000000004 4.3 5 5.0999999999999996 5.6 5.5 5.0999999999999996 4.4000000000000004 4 3.6 3.8 3.9 4.0999999999999996 3.9 4.2 4.5 4.9000000000000004 5.4 5 4.5999999999999996 3.6 3 2.9 3 3.1 3.5 3.9 4.3 4.8 4.8 4.7 4.4000000000000004 3.6 3 2.8 3.2 3.7 4.4000000000000004 4.8 4.8 5.5 5.9 6.4 6.4 6.1 6.2 6 6.8 7.6 7.9 7.7 6.8 5.9 4.7 4.3 3.9 3.2 2.2999999999999998 Freddie Mac 2021 4.0999999999999996 4.3 4.7 5.0999999999999996 5.4 5.5 5.3 4.5999999999999996 4 3.4 3.5 3.4 3.8 3.8 4.2 4.5999999999999996 5 5.0999999999999996 4.8 4.5 4.0999999999999996 3.5 3 2.9 3 3.2 3.9 4.3 4.8 4.9000000000000004 4.7 4.3 3.5 3.1 2.7 2.8 3.3 3.8 4.5999999999999996 5 5.6 5.8 6.3 6.4 6.1 6.1 6.3 6.6 7.2 7.5 7.9 7.4 6.6 5.4 4.4000000000000004 3.8 3.1 1.1000000000000001
30-year 1.5% Coupon, 2020
Fannie Mae 2020 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 44593 44562 44531 44501 44470 44440 44409 44378 44348 44317 44287 44256 44228 44197 44166 44136 44105 44075 44044 44013 43983 43952 43922 43891 3.8 4.0999999999999996 4.5999999999999996 4.9000000000000004 5.2 5.0999999999999996 4.8 4.3 3.9 3.5 3.4 3.6 4.0999999999999996 4 4.4000000000000004 4.4000000000000004 4.5999999999999996 4.5 4.4000000000000004 4 3.6 3.2 3.2 3 3.1 3.4 3.7 4.0999999999999996 4.5999999999999996 4.7 4.5999999999999996 4.3 3.7 3.1 2.8 3 3.4 4.3 4.9000000000000004 5.0999999999999996 5.6 6.2 6.5 6.7 6.6 6.5 6.8 7.8 8.8000000000000007 9.6999999999999993 10.4 9.8000000000000007 8.6 7.3 6.7 6.2 5.6 5.0999999999999996 4.5 4.4000000000000004 4.4000000000000004 3.7 2.9 2.6 Freddie Mac 2020 4 4.0999999999999996 4.3 4.5 4.9000000000000004 5.2 5 4.4000000000000004 3.7 3.3 3.1 3.2 3.6 3.5 4 4.3 4.4000000000000004 4.4000000000000004 4.2 3.9 3.3 2.9 2.8 2.8 3.1 3.3 3.8 4.0999999999999996 4.5 4.4000000000000004 4.3 4.0999999999999996 3.6 3.2 3 3.2 3.6 4.2 4.7 5.0999999999999996 5.6 5.9 6.6 6.7 6.6 6.6 7 8.1 9 10 10.3 9.9 8.6999999999999993 7.3 6.8 6.5 6 5.5 4.5 4.3 4.4000000000000004 3.3 1.8 1.3 0.9
2% Coupon
| Dec-25 | Nov-25 | Oct-25 | Sep-25 | Aug-25 | Jul-25 | Jun-25 | May-25 | Apr-25 | Mar-25 | Feb-25 | Jan-25 | Dec-24 | Nov-24 | Oct-24 | Sep-24 | Aug-24 | Jul-24 | Jun-24 | May-24 | Apr-24 | Mar-24 | Feb-24 | Jan-24 | Dec-23 | Nov-23 | Oct-23 | Sep-23 | Aug-23 | Jul-23 | Jun-23 | May-23 | Apr-23 | Mar-23 | Feb-23 | Jan-23 | Dec-22 | Nov-22 | Oct-22 | Sep-22 | Aug-22 | Jul-22 | Jun-22 | May-22 | Apr-22 | Mar-22 | Feb-22 | Jan-22 | Dec-21 | |
| Fannie Mae 2022 | 5.5 | 5.7 | 5.7 | 5.7 | 6.2 | 6.4 | 6.2 | 5.5 | 5.1 | 4.6 | 4.3 | 4.8 | 5.3 | 5.4 | 5.3 | 5.2 | 5.6 | 5.8 | 5.6 | 5.3 | 4.5 | 3.9 | 3.7 | 3.4 | 3.4 | 3.8 | 4.3 | 4.6 | 4.7 | 4.7 | 4.6 | 4.5 | 4.0 | 3.7 | 3.3 | 3.5 | 3.6 | 3.9 | 4.2 | 4.3 | 4.6 | 4.5 | 4.3 | 4.1 | 3.8 | 3.1 | - 0 | ||
| Freddie Mac 2022 | 5.3 | 5.3 | 5.8 | 5.7 | 5.8 | 6.0 | 6.2 | 6.1 | 5.1 | 4.3 | 4.4 | 4.3 | 4.6 | 4.5 | 4.9 | 5.2 | 5.4 | 5.5 | 5.3 | 5.0 | 4.6 | 4.0 | 3.5 | 3.2 | 3.3 | 3.4 | 4.1 | 4.3 | 4.6 | 4.5 | 4.4 | 4.1 | 3.5 | 3.2 | 2.7 | 2.6 | 3.1 | 3.4 | 3.8 | 4.1 | 4.3 | 4.5 | 4.5 | 4.4 | 3.8 | 3.0 | - 0 | ||
| Fannie Mae 2021 | 5.3 | 5.4 | 5.7 | 5.9 | 6.2 | 6.3 | 6.1 | 5.7 | 5.0 | 4.3 | 4.3 | 4.4 | 4.9 | 5.0 | 5.3 | 5.5 | 5.7 | 5.8 | 5.7 | 5.3 | 4.7 | 4.1 | 3.8 | 3.7 | 4.0 | 4.3 | 4.9 | 5.3 | 5.8 | 5.8 | 5.6 | 5.2 | 4.5 | 4.0 | 3.6 | 3.7 | 4.2 | 4.9 | 5.8 | 6.4 | 7.1 | 7.6 | 8.2 | 8.8 | 9.0 | 9.4 | 10.0 | 11.0 | 12.1 |
| Freddie Mac 2021 | 5.1 | 5.2 | 5.7 | 5.9 | 6.2 | 6.3 | 6.1 | 5.5 | 4.8 | 4.3 | 4.2 | 4.3 | 4.7 | 4.8 | 5.2 | 5.4 | 5.7 | 5.8 | 5.5 | 5.2 | 4.5 | 3.9 | 3.6 | 3.6 | 3.9 | 4.2 | 4.7 | 5.1 | 5.7 | 5.8 | 5.6 | 5.2 | 4.5 | 3.9 | 3.5 | 3.6 | 4.1 | 4.7 | 5.5 | 6.0 | 6.9 | 7.6 | 8.4 | 8.8 | 9.0 | 9.2 | 9.8 | 10.9 | 12.2 |
| Fannie Mae 2020 | 5.4 | 5.6 | 6.0 | 6.1 | 6.4 | 6.5 | 6.3 | 5.8 | 5.1 | 4.6 | 4.4 | 4.6 | 5.0 | 5.1 | 5.5 | 5.9 | 6.2 | 6.2 | 5.9 | 5.6 | 4.7 | 4.1 | 3.8 | 3.8 | 4.2 | 4.6 | 5.3 | 5.7 | 6.3 | 6.4 | 6.1 | 5.7 | 5.0 | 4.4 | 4.2 | 4.5 | 5.2 | 5.8 | 6.7 | 7.5 | 8.4 | 8.8 | 9.2 | 9.9 | 10.1 | 11.0 | 12.4 | 14.9 | 17.9 |
| Freddie Mac 2020 | 5.2 | 5.3 | 5.8 | 6.1 | 6.6 | 6.7 | 6.5 | 5.8 | 5.1 | 4.4 | 4.2 | 4.4 | 4.9 | 4.9 | 5.4 | 5.6 | 6.0 | 6.1 | 5.8 | 5.4 | 4.7 | 4.1 | 3.7 | 3.7 | 4.1 | 4.4 | 5.2 | 5.6 | 6.2 | 6.4 | 6.1 | 5.7 | 4.9 | 4.5 | 4.1 | 4.3 | 4.9 | 5.7 | 6.9 | 7.6 | 8.6 | 8.8 | 9.4 | 9.7 | 10.1 | 10.9 | 12.4 | 14.7 | 18.1 |
| Fannie Mae All | 5.4 | 5.5 | 5.8 | 6.0 | 6.3 | 6.4 | 6.2 | 5.7 | 5.0 | 4.4 | 4.3 | 4.5 | 5.0 | 5.1 | 5.4 | 5.7 | 5.9 | 6.0 | 5.8 | 5.4 | 4.7 | 4.1 | 3.8 | 3.7 | 4.1 | 4.4 | 5.1 | 5.4 | 6.0 | 6.1 | 5.8 | 5.4 | 4.7 | 4.2 | 3.8 | 4.1 | 4.7 | 5.4 | 6.2 | 6.9 | 7.6 | 8.0 | 8.6 | 9.3 | 9.5 | 10.3 | 11.7 | 13.9 | 16.6 |
| Freddie Mac All | 5.2 | 5.3 | 5.7 | 5.9 | 6.3 | 6.5 | 6.2 | 5.7 | 4.9 | 4.3 | 4.2 | 4.3 | 4.8 | 4.8 | 5.3 | 5.5 | 5.8 | 5.9 | 5.6 | 5.3 | 4.6 | 4.0 | 3.6 | 3.7 | 4.0 | 4.3 | 4.9 | 5.3 | 5.9 | 5.9 | 5.7 | 5.3 | 4.6 | 4.1 | 3.7 | 3.9 | 4.4 | 5.2 | 6.2 | 6.7 | 7.5 | 8.0 | 8.7 | 9.2 | 9.4 | 10.0 | 11.2 | 13.2 | 15.9 |
| 2020 | 2021 | 2022 | All | ||||||||||||||||||||||||||||||||||||||||||||||
| Fannie Mae | 5.4 | 5.3 | 5.5 | 5.4 | |||||||||||||||||||||||||||||||||||||||||||||
| Freddie Mac | 5.2 | 5.1 | 5.3 | 5.2 |
Comparison of 30-year 2% Fastest Quartile based on 3-month CPR
Fannie Mae 2020 2021 2022 All 5.4 5.3 5.5 5.4 Freddie Mac 2020 2021 2022 All 5.2 5.0999999999999996 5.3 5.2
30-year 2% Coupon, Last Six Years
Fannie Mae All 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 44593 44562 44531 44501 44470 44440 44409 44378 44348 44317 44287 44256 44228 44197 44166 44136 44105 44075 44044 44013 43983 43952 43922 43891 43862 43831 43800 43770 43739 43709 43678 43647 43617 43586 43556 43525 43497 43466 43800 5.4 5.5 5.8 6 6.3 6.4 6.2 5.7 5 4.4000000000000004 4.3 4.5 5 5.0999999999999996 5.4 5.7 5.9 6 5.8 5.4 4.7 4.0999999999999996 3.8 3.7 4.0999999999999996 4.4000000000000004 5.0999999999999996 5.4 6 6.1 5.8 5.4 4.7 4.2 3.8 4.0999999999999996 4.7 5.4 6.2 6.9 7.6 8 8.6 9.3000000000000007 9.5 10.3 11.7 13.9 16.600000000000001 19.399999999999999 21.7 20.3 17.600000000000001 14 13.5 16.3 20.7 24.6 24 21.5 17.600000000000001 14.2 11.5 8.6 5.5 2.8 1.5 8.5 0.4 1.4 1.4 1.3 0.2 0 Freddie Mac All 5.2 5.3 5.7 5.9 6.3 6.5 6.2 5.7 4.9000000000000004 4.3 4.2 4.3 4.8 4.8 5.3 5.5 5.8 5.9 5.6 5.3 4.5999999999999996 4 3.6 3.7 4 4.3 4.9000000000000004 5.3 5.9 5.9 5.7 5.3 4.5999999999999996 4.0999999999999996 3.7 3.9 4.4000000000000004 5.2 6.2 6.7 7.5 8 8.6999999999999993 9.1999999999999993 9.4 10 11.2 13.2 15.9 18.8 21.2 20.100000000000001 17.5 13.9 13.4 16 20.7 23.3 22.9 19.899999999999999 17.399999999999999 13.9 11.5 9.1 6 3.5 1.6 0.2
30-year 2% Coupon, 2022
Fannie Mae 2022 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 5.5 5.7 5.7 5.7 6.2 6.4 6.2 5.5 5.0999999999999996 4.5999999999999996 4.3 4.8 5.3 5.4 5.3 5.2 5.6 5.8 5.6 5.3 4.5 3.9 3.7 3.4 3.4 3.8 4.3 4.5999999999999996 4.7 4.7 4.5999999999999996 4.5 4 3.7 3.3 3.5 3.6 3.9 4.2 4.3 4.5999999999999996 4.5 4.3 4.0999999999999996 3.8 3.1 Freddie Mac 2022 5.3 5.3 5.8 5.7 5.8 6 6.2 6.1 5.0999999999999996 4.3 4.4000000000000004 4.3 4.5999999999999996 4.5 4.9000000000000004 5.2 5.4 5.5 5.3 5 4.5999999999999996 4 3.5 3.2 3.3 3.4 4.0999999999999996 4.3 4.5999999999999996 4.5 4.4000000000000004 4.0999999999999996 3.5 3.2 2.7 2.6 3.1 3.4 3.8 4.0999999999999996 4.3 4.5 4.5 4.4000000000000004 3.8 3
30-year 2% Coupon, 2021
Fannie Mae 2021 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 44593 44562 44531 44501 44470 44440 44409 44378 44348 44317 44287 44256 5.3 5.4 5.7 5.9 6.2 6.3 6.1 5.7 5 4.3 4.3 4.4000000000000004 4.9000000000000004 5 5.3 5.5 5.7 5.8 5.7 5.3 4.7 4.0999999999999996 3.8 3.7 4 4.3 4.9000000000000004 5.3 5.8 5.8 5.6 5.2 4.5 4 3.6 3.7 4.2 4.9000000000000004 5.8 6.4 7.1 7.6 8.1999999999999993 8.8000000000000007 9 9.4 10 11 12.1 12.9 13.7 12.5 10.3 7.6 6.1 5 4.2 3.2 Freddie Mac 2021 5.0999999999999996 5.2 5.7 5.9 6.2 6.3 6.1 5.5 4.8 4.3 4.2 4.3 4.7 4.8 5.2 5.4 5.7 5.8 5.5 5.2 4.5 3.9 3.6 3.6 3.9 4.2 4.7 5.0999999999999996 5.7 5.8 5.6 5.2 4.5 3.9 3.5 3.6 4.0999999999999996 4.7 5.5 6 6.9 7.6 8.4 8.8000000000000007 9 9.1999999999999993 9.8000000000000007 10.9 12.2 13.1 13.7 12.6 10.5 7.8 6.4 5.0999999999999996 4.2 0.9
30-year 2% Coupon, 2020
Fannie Mae 2020 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 44593 44562 44531 44501 44470 44440 44409 44378 44348 44317 44287 44256 44228 44197 44166 44136 44105 44075 44044 44013 43983 43952 43922 43891 5.4 5.6 6 6.1 6.4 6.5 6.3 5.8 5.0999999999999996 4.5999999999999996 4.4000000000000004 4.5999999999999996 5 5.0999999999999996 5.5 5.9 6.2 6.2 5.9 5.6 4.7 4.0999999999999996 3.8 3.8 4.2 4.5999999999999996 5.3 5.7 6.3 6.4 6.1 5.7 5 4.4000000000000004 4.2 4.5 5.2 5.8 6.7 7.5 8.4 8.8000000000000007 9.1999999999999993 9.9 10.1 11 12.4 14.9 17.899999999999999 21.5 24.3 22.6 19.600000000000001 15.5 15.1 17.899999999999999 22.3 25.6 24.1 21.5 17.600000000000001 14.2 11.5 8.5 5.4 2.8 1.4 4.5 Freddie Mac 2020 5.2 5.3 5.8 6.1 6.6 6.7 6.5 5.8 5.0999999999999996 4.4000000000000004 4.2 4.4000000000000004 4.9000000000000004 4.9000000000000004 5.4 5.6 6 6.1 5.8 5.4 4.7 4.0999999999999996 3.7 3.7 4.0999999999999996 4.4000000000000004 5.2 5.6 6.2 6.4 6.1 5.7 4.9000000000000004 4.5 4.0999999999999996 4.3 4.9000000000000004 5.7 6.9 7.6 8.6 8.8000000000000007 9.4 9.6999999999999993 10.1 10.9 12.4 14.7 18.100000000000001 21.7 24.8 23.4 20.399999999999999 16.100000000000001 15.3 18.5 23 25.9 24.2 19.899999999999999 17.399999999999999 13.9 11.5 9.1 6 3.5 1.6 0.2
2.5% Coupon
| Dec-25 | Nov-25 | Oct-25 | Sep-25 | Aug-25 | Jul-25 | Jun-25 | May-25 | Apr-25 | Mar-25 | Feb-25 | Jan-25 | Dec-24 | Nov-24 | Oct-24 | Sep-24 | Aug-24 | Jul-24 | Jun-24 | May-24 | Apr-24 | Mar-24 | Feb-24 | Jan-24 | Dec-23 | Nov-23 | Oct-23 | Sep-23 | Aug-23 | Jul-23 | Jun-23 | May-23 | Apr-23 | Mar-23 | Feb-23 | Jan-23 | Dec-22 | Nov-22 | Oct-22 | Sep-22 | Aug-22 | Jul-22 | Jun-22 | May-22 | Apr-22 | Mar-22 | Feb-22 | Jan-22 | Dec-21 | |
| Fannie Mae 2022 | 6.9 | 7.1 | 7.6 | 7.6 | 7.8 | 7.9 | 7.7 | 7.6 | 6.6 | 6.0 | 5.9 | 6.2 | 6.5 | 6.3 | 6.5 | 6.7 | 6.9 | 7.2 | 7.3 | 7.2 | 6.2 | 5.3 | 4.6 | 4.3 | 4.4 | 4.8 | 5.6 | 5.9 | 6.2 | 6.3 | 6.0 | 5.7 | 5.1 | 4.6 | 3.9 | 3.8 | 4.4 | 5.0 | 5.4 | 5.5 | 5.9 | 6.1 | 6.0 | 5.7 | 5.2 | 4.4 | 2.9 | ||
| Freddie Mac 2022 | 6.7 | 6.7 | 7.0 | 7.2 | 7.5 | 7.7 | 7.7 | 7.4 | 6.6 | 6.0 | 5.8 | 6.0 | 6.4 | 6.4 | 6.7 | 6.7 | 7.0 | 7.6 | 7.3 | 7.2 | 6.3 | 5.6 | 4.6 | 4.3 | 4.5 | 4.9 | 5.7 | 5.9 | 6.4 | 6.0 | 5.8 | 5.2 | 4.7 | 4.2 | 3.8 | 3.7 | 4.2 | 4.7 | 5.3 | 5.6 | 6.1 | 6.2 | 6.2 | 6.2 | 6.0 | 4.8 | 6.6 | ||
| Fannie Mae 2021 | 7.3 | 7.4 | 7.9 | 8.2 | 8.3 | 8.4 | 8.1 | 7.9 | 7.2 | 6.3 | 6.2 | 6.4 | 6.9 | 7.0 | 7.4 | 7.6 | 8.0 | 8.1 | 8.0 | 7.7 | 6.8 | 6.0 | 5.6 | 5.5 | 5.8 | 6.3 | 6.9 | 7.3 | 7.9 | 8.0 | 7.6 | 7.1 | 6.0 | 5.2 | 4.7 | 4.9 | 5.7 | 6.5 | 7.8 | 8.4 | 9.3 | 9.7 | 10.8 | 11.8 | 12.6 | 13.9 | 15.9 | 18.9 | 20.9 |
| Freddie Mac 2021 | 7.3 | 7.3 | 7.7 | 8.0 | 8.3 | 8.3 | 8.1 | 7.7 | 6.9 | 6.1 | 6.0 | 6.1 | 6.9 | 7.1 | 7.6 | 7.7 | 7.9 | 8.0 | 8.0 | 7.7 | 7.0 | 6.0 | 5.5 | 5.3 | 5.6 | 6.3 | 7.2 | 7.3 | 7.8 | 7.8 | 7.5 | 6.9 | 6.0 | 5.3 | 4.8 | 5.0 | 5.7 | 6.4 | 7.3 | 8.1 | 9.3 | 9.9 | 10.9 | 11.5 | 12.2 | 13.2 | 15.0 | 17.3 | 19.5 |
| Fannie Mae 2020 | 6.9 | 7.0 | 7.7 | 7.9 | 8.3 | 8.3 | 7.8 | 7.3 | 6.4 | 5.9 | 5.7 | 6.1 | 6.7 | 6.8 | 7.1 | 7.3 | 7.6 | 7.9 | 7.6 | 7.2 | 6.4 | 5.5 | 5.1 | 5.2 | 5.7 | 6.1 | 6.9 | 7.5 | 8.1 | 8.2 | 8.1 | 7.7 | 6.7 | 6.0 | 5.6 | 5.9 | 6.8 | 7.9 | 9.5 | 10.6 | 11.9 | 12.6 | 14.1 | 16.2 | 17.6 | 19.5 | 22.3 | 26.8 | 32.0 |
| Freddie Mac 2020 | 6.8 | 6.8 | 7.5 | 7.8 | 8.3 | 8.2 | 8.1 | 7.4 | 6.6 | 6.0 | 5.9 | 6.2 | 6.7 | 6.9 | 7.3 | 7.5 | 7.8 | 8.1 | 7.9 | 7.3 | 6.4 | 5.5 | 5.1 | 5.1 | 5.7 | 6.3 | 7.0 | 7.4 | 8.0 | 8.1 | 7.8 | 7.3 | 6.4 | 5.8 | 5.5 | 6.0 | 7.1 | 8.2 | 9.7 | 11.0 | 12.2 | 13.1 | 14.5 | 15.9 | 16.9 | 18.5 | 21.2 | 25.2 | 30.4 |
| Fannie Mae 2019 | 6.3 | 6.0 | 6.5 | 6.9 | 7.5 | 8.0 | 7.6 | 6.9 | 5.8 | 5.1 | 5.4 | 5.4 | 5.9 | 6.4 | 6.4 | 6.9 | 6.9 | 7.2 | 7.6 | 7.4 | 5.7 | 5.3 | 5.2 | 5.3 | 5.5 | 5.7 | 6.3 | 6.7 | 7.5 | 7.6 | 7.3 | 6.7 | 5.6 | 5.0 | 4.7 | 5.1 | 6.7 | 8.2 | 9.5 | 10.4 | 12.3 | 13.7 | 15.0 | 17.1 | 18.7 | 22.0 | 25.6 | 30.9 | 36.8 |
| Freddie Mac 2019 | 6.3 | 6.7 | 7.1 | 7.7 | 8.5 | 8.4 | 7.6 | 6.7 | 6.1 | 5.6 | 5.4 | 5.6 | 6.4 | 6.7 | 7.5 | 7.9 | 7.7 | 7.7 | 7.5 | 7.4 | 6.1 | 5.2 | 4.6 | 5.0 | 5.7 | 6.1 | 7.1 | 7.8 | 8.0 | 7.7 | 7.2 | 6.8 | 5.6 | 5.0 | 5.3 | 5.8 | 6.9 | 7.5 | 8.9 | 9.8 | 11.6 | 13.7 | 15.5 | 17.6 | 19.0 | 21.0 | 25.4 | 29.2 | 35.0 |
| Fannie Mae All | 7.1 | 7.3 | 7.8 | 8.0 | 8.2 | 8.3 | 8.0 | 7.7 | 6.8 | 6.2 | 6.0 | 6.3 | 6.7 | 6.8 | 7.2 | 7.4 | 7.7 | 7.9 | 7.8 | 7.5 | 6.6 | 5.7 | 5.3 | 5.3 | 5.7 | 6.0 | 6.8 | 7.3 | 7.8 | 7.9 | 7.7 | 7.3 | 6.3 | 5.6 | 5.1 | 5.4 | 6.3 | 7.4 | 8.7 | 9.6 | 10.9 | 11.7 | 13.3 | 14.9 | 16.2 | 18.2 | 21.5 | 26.3 | 31.6 |
| Freddie Mac All | 7.1 | 7.1 | 7.5 | 7.9 | 8.3 | 8.2 | 8.0 | 7.5 | 6.8 | 6.1 | 5.9 | 6.1 | 6.8 | 7.0 | 7.4 | 7.5 | 7.8 | 8.0 | 7.8 | 7.5 | 6.7 | 5.8 | 5.3 | 5.1 | 5.6 | 6.1 | 7.0 | 7.3 | 7.8 | 7.8 | 7.5 | 7.0 | 6.1 | 5.5 | 5.1 | 5.4 | 6.4 | 7.3 | 8.5 | 9.6 | 11.0 | 12.0 | 13.3 | 14.6 | 15.7 | 17.4 | 20.5 | 24.8 | 30.1 |
| 2019 | 2020 | 2021 | 2022 | All | |||||||||||||||||||||||||||||||||||||||||||||
| Fannie Mae | 6.3 | 6.9 | 7.3 | 6.9 | 7.1 | ||||||||||||||||||||||||||||||||||||||||||||
| Freddie Mac | 6.3 | 6.8 | 7.3 | 6.7 | 7.1 |
Comparison of 30-year 2.5% Fastest Quartile based on 3-month CPR
Fannie Mae 2019 2020 2021 2022 All 6.3 6.9 7.3 6.9 7.1 Freddie Mac 2019 2020 2021 2022 All 6.3 6.8 7.3 6.7 7.1
30-year 2.5% Coupon, Last Six Years
Fannie Mae All 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 44593 44562 44531 44501 44470 44440 44409 44378 44348 44317 44287 44256 44228 44197 44166 44136 44105 44075 44044 44013 43983 43952 43922 43891 43862 43831 43800 43770 43739 43709 43678 43647 43617 43586 43556 43525 43497 43466 43800 7.1 7.3 7.8 8 8.1999999999999993 8.3000000000000007 8 7.7 6.8 6.2 6 6.3 6.7 6.8 7.2 7.4 7.7 7.9 7.8 7.5 6.6 5.7 5.3 5.3 5.7 6 6.8 7.3 7.8 7.9 7.7 7.3 6.3 5.6 5.0999999999999996 5.4 6.3 7.4 8.6999999999999993 9.6 10.9 11.7 13.3 14.9 16.2 18.2 21.5 26.3 31.6 36.4 39.4 37.799999999999997 35.5 32.1 34.200000000000003 42 49.7 54.1 53.9 52.3 52.8 51.8 50.6 44.9 37.700000000000003 29.7 26.3 23.7 20.7 12.3 5.0999999999999996 3.3 3.4 3.2 3 4.7 3.2 0.6 0 Freddie Mac All 7.1 7.1 7.5 7.9 8.3000000000000007 8.1999999999999993 8 7.5 6.8 6.1 5.9 6.1 6.8 7 7.4 7.5 7.8 8 7.8 7.5 6.7 5.8 5.3 5.0999999999999996 5.6 6.1 7 7.3 7.8 7.8 7.5 7 6.1 5.5 5.0999999999999996 5.4 6.4 7.3 8.5 9.6 11 12 13.3 14.6 15.7 17.399999999999999 20.5 24.8 30.1 35 38.6 37.200000000000003 34.700000000000003 31.3 33.6 41.7 49.2 53.4 53 51 51.5 49.9 48.6 42.8 34.700000000000003 26.5 22.1 21.6 17.399999999999999 9.3000000000000007 3.9 2.9 3.3 3.4 3 2.9 0.4 0.4 0.3
30-year 2.5% Coupon, 2022
Fannie Mae 2022 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 6.9 7.1 7.6 7.6 7.8 7.9 7.7 7.6 6.6 6 5.9 6.2 6.5 6.3 6.5 6.7 6.9 7.2 7.3 7.2 6.2 5.3 4.5999999999999996 4.3 4.4000000000000004 4.8 5.6 5.9 6.2 6.3 6 5.7 5.0999999999999996 4.5999999999999996 3.9 3.8 4.4000000000000004 5 5.4 5.5 5.9 6.1 6 5.7 5.2 4.4000000000000004 Freddie Mac 2022 6.7 6.7 7 7.2 7.5 7.7 7.7 7.4 6.6 6 5.8 6 6.4 6.4 6.7 6.7 7 7.6 7.3 7.2 6.3 5.6 4.5999999999999996 4.3 4.5 4.9000000000000004 5.7 5.9 6.4 6 5.8 5.2 4.7 4.2 3.8 3.7 4.2 4.7 5.3 5.6 6.1 6.2 6.2 6.2 6 4.8
30-year 2.5% Coupon, 2021
Fannie Mae 2021 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 44593 44562 44531 44501 44470 44440 44409 44378 44348 44317 44287 44256 7.3 7.4 7.9 8.1999999999999993 8.3000000000000007 8.4 8.1 7.9 7.2 6.3 6.2 6.4 6.9 7 7.4 7.6 8 8.1 8 7.7 6.8 6 5.6 5.5 5.8 6.3 6.9 7.3 7.9 8 7.6 7.1 6 5.2 4.7 4.9000000000000004 5.7 6.5 7.8 8.4 9.3000000000000007 9.6999999999999993 10.8 11.8 12.6 13.9 15.9 18.899999999999999 20.9 20.7 18.600000000000001 15 12.1 10.199999999999999 10.7 9.6999999999999993 8.6999999999999993 5.7 Freddie Mac 2021 7.3 7.3 7.7 8 8.3000000000000007 8.3000000000000007 8.1 7.7 6.9 6.1 6 6.1 6.9 7.1 7.6 7.7 7.9 8 8 7.7 7 6 5.5 5.3 5.6 6.3 7.2 7.3 7.8 7.8 7.5 6.9 6 5.3 4.8 5 5.7 6.4 7.3 8.1 9.3000000000000007 9.9 10.9 11.5 12.2 13.2 15 17.3 19.5 19.7 17.8 16.2 13.6 11.2 10.9 10.7 9.3000000000000007 3.8
30-year 2.5% Coupon, 2020
Fannie Mae 2020 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 44593 44562 44531 44501 44470 44440 44409 44378 44348 44317 44287 44256 44228 44197 44166 44136 44105 44075 44044 44013 43983 43952 43922 43891 6.9 7 7.7 7.9 8.3000000000000007 8.3000000000000007 7.8 7.3 6.4 5.9 5.7 6.1 6.7 6.8 7.1 7.3 7.6 7.9 7.6 7.2 6.4 5.5 5.0999999999999996 5.2 5.7 6.1 6.9 7.5 8.1 8.1999999999999993 8.1 7.7 6.7 6 5.6 5.9 6.8 7.9 9.5 10.6 11.9 12.6 14.1 16.2 17.600000000000001 19.5 22.3 26.8 32 36.5 39.5 37.700000000000003 35.200000000000003 31 31.9 38.700000000000003 46.2 50.8 50.3 47.9 47.5 44.1 40.5 31.4 22.2 15.3 11.8 8.3000000000000007 5.5 2.2000000000000002 Freddie Mac 2020 6.8 6.8 7.5 7.8 8.3000000000000007 8.1999999999999993 8.1 7.4 6.6 6 5.9 6.2 6.7 6.9 7.3 7.5 7.8 8.1 7.9 7.3 6.4 5.5 5.0999999999999996 5.0999999999999996 5.7 6.3 7 7.4 8 8.1 7.8 7.3 6.4 5.8 5.5 6 7.1 8.1999999999999993 9.6999999999999993 11 12.2 13.1 14.5 15.9 16.899999999999999 18.5 21.2 25.2 30.4 35.1 38.9 37.1 34.1 30 31.3 38.5 45.5 49.8 49.1 46.5 46.1 42.3 37 26.7 16.7 9.6999999999999993 6.4 6.6 4.5999999999999996 0.1
30-year 2.5% Coupon, 2019
Fannie Mae 2019 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 44593 44562 44531 44501 44470 44440 44409 44378 44348 44317 44287 44256 44228 44197 44166 44136 44105 44075 44044 44013 43983 43952 43922 43891 43862 43831 43800 43770 43739 43709 43678 43647 43617 43586 43556 43525 6.3 6 6.5 6.9 7.5 8 7.6 6.9 5.8 5.0999999999999996 5.4 5.4 5.9 6.4 6.4 6.9 6.9 7.2 7.6 7.4 5.7 5.3 5.2 5.3 5.5 5.7 6.3 6.7 7.5 7.6 7.3 6.7 5.6 5 4.7 5.0999999999999996 6.7 8.1999999999999993 9.5 10.4 12.3 13.7 15 17.100000000000001 18.7 22 25.6 30.9 36.799999999999997 41.9 44.6 43 40.9 38.200000000000003 39.700000000000003 47 53.6 57.3 56.8 56.4 57.7 57.1 56.6 52.1 45.7 36.4 31.6 27.2 22.6 13 5.0999999999999996 3.3 3.4 3.2 3 4.7 3.2 0.6 0 Freddie Mac 2019 6.3 6.7 7.1 7.7 8.5 8.4 7.6 6.7 6.1 5.6 5.4 5.6 6.4 6.7 7.5 7.9 7.7 7.7 7.5 7.4 6.1 5.2 4.5999999999999996 5 5.7 6.1 7.1 7.8 8 7.7 7.2 6.8 5.6 5 5.3 5.8 6.9 7.5 8.9 9.8000000000000007 11.6 13.7 15.5 17.600000000000001 19 21 25.4 29.2 35 39.799999999999997 44.2 42.6 40.1 35.5 37.4 44.9 52.8 56.8 56.8 55.7 56.2 55.4 53.5 47.6 40.1 31.3 27 22.7 17.8 9.5 3.9 2.9 3.3 3.4 3 2.9 0.4 0.4 0.3
3% Coupon
| Dec-25 | Nov-25 | Oct-25 | Sep-25 | Aug-25 | Jul-25 | Jun-25 | May-25 | Apr-25 | Mar-25 | Feb-25 | Jan-25 | Dec-24 | Nov-24 | Oct-24 | Sep-24 | Aug-24 | Jul-24 | Jun-24 | May-24 | Apr-24 | Mar-24 | Feb-24 | Jan-24 | Dec-23 | Nov-23 | Oct-23 | Sep-23 | Aug-23 | Jul-23 | Jun-23 | May-23 | Apr-23 | Mar-23 | Feb-23 | Jan-23 | Dec-22 | Nov-22 | Oct-22 | Sep-22 | Aug-22 | Jul-22 | Jun-22 | May-22 | Apr-22 | Mar-22 | Feb-22 | Jan-22 | Dec-21 | |
| Fannie Mae 2023 | 7.9 | 9.2 | 9.5 | 10.9 | 8.3 | 10.3 | 13.4 | 16.0 | 13.5 | 10.5 | 6.5 | 5.6 | 5.7 | 5.2 | 6.0 | 9.5 | 9.7 | 8.4 | 8.1 | 9.0 | 11.1 | 9.3 | 8.5 | 7.9 | 8.0 | 8.2 | 6.0 | 8.2 | 8.7 | 11.2 | 3.0 | 3.2 | 0.2 | 0.2 | |||||||||||||||
| Freddie Mac 2023 | 16.6 | 15.6 | 11.8 | 11.1 | 10.9 | 15.4 | 14.9 | 13.9 | 9.6 | 9.5 | 7.8 | 8.0 | 7.2 | 6.7 | 4.9 | 4.9 | 4.8 | 5.6 | 6.1 | 5.9 | 6.7 | 6.1 | 6.7 | 5.2 | 7.0 | 6.3 | 10.4 | 8.1 | 9.1 | 3.3 | 3.8 | 4.1 | 0.8 | 1.2 | |||||||||||||||
| Fannie Mae 2022 | 7.8 | 7.8 | 8.3 | 8.6 | 8.9 | 8.9 | 8.8 | 8.9 | 8.3 | 7.4 | 7.3 | 7.6 | 8.5 | 7.8 | 8.3 | 8.5 | 9.0 | 8.7 | 8.6 | 8.2 | 7.5 | 6.4 | 6.1 | 6.0 | 5.9 | 6.0 | 6.8 | 7.7 | 7.9 | 7.6 | 7.0 | 6.6 | 5.8 | 5.2 | 4.6 | 4.5 | 4.8 | 5.6 | 6.2 | 6.5 | 6.9 | 7.0 | 7.3 | 7.2 | 7.9 | 7.1 | - 0 | ||
| Freddie Mac 2022 | 7.9 | 8.3 | 8.8 | 9.5 | 9.3 | 9.1 | 8.7 | 8.3 | 8.0 | 7.1 | 6.9 | 6.9 | 7.2 | 7.7 | 8.6 | 8.6 | 8.9 | 8.6 | 8.8 | 8.5 | 8.0 | 6.5 | 5.7 | 5.1 | 5.4 | 5.7 | 6.8 | 7.2 | 8.0 | 7.7 | 7.3 | 6.6 | 5.6 | 5.0 | 4.4 | 4.5 | 5.0 | 6.2 | 7.1 | 7.8 | 7.3 | 7.0 | 7.0 | 7.5 | 7.6 | 6.0 | 11.2 | ||
| Fannie Mae 2021 | 14.2 | 14.4 | 14.6 | 15.1 | 14.9 | 14.2 | 13.6 | 13.3 | 13.1 | 12.1 | 11.5 | 11.3 | 11.4 | 12.3 | 12.9 | 13.4 | 13.4 | 14.5 | 14.7 | 14.0 | 13.2 | 11.7 | 10.7 | 9.8 | 10.4 | 10.8 | 11.4 | 12.4 | 13.7 | 13.7 | 12.7 | 12.0 | 11.0 | 9.5 | 8.8 | 9.6 | 10.6 | 12.6 | 14.5 | 15.2 | 16.1 | 17.6 | 19.3 | 21.6 | 24.0 | 25.9 | 29.7 | 33.5 | 35.9 |
| Freddie Mac 2021 | 13.7 | 13.8 | 14.9 | 14.3 | 14.9 | 14.7 | 14.1 | 14.4 | 13.7 | 12.6 | 12.5 | 12.1 | 12.7 | 13.4 | 14.2 | 14.2 | 13.6 | 13.8 | 14.4 | 14.5 | 13.0 | 12.0 | 10.8 | 10.5 | 10.6 | 11.0 | 12.6 | 13.3 | 14.5 | 15.3 | 14.2 | 13.2 | 10.8 | 9.7 | 9.1 | 10.0 | 10.6 | 12.9 | 15.1 | 15.9 | 16.7 | 18.2 | 20.3 | 22.1 | 24.7 | 26.5 | 30.4 | 33.4 | 34.6 |
| Fannie Mae 2020 | 9.7 | 9.8 | 10.1 | 10.1 | 10.7 | 10.8 | 10.7 | 10.1 | 9.2 | 8.4 | 8.4 | 8.5 | 9.0 | 9.2 | 9.6 | 10.0 | 10.4 | 10.6 | 10.0 | 9.8 | 8.7 | 7.9 | 7.4 | 7.6 | 8.0 | 9.0 | 9.8 | 10.3 | 10.7 | 10.7 | 10.9 | 11.2 | 10.1 | 9.0 | 8.3 | 8.8 | 10.3 | 11.8 | 13.9 | 14.9 | 16.3 | 18.1 | 21.8 | 25.4 | 28.8 | 32.1 | 36.7 | 40.6 | 45.0 |
| Freddie Mac 2020 | 10.3 | 10.3 | 10.7 | 11.1 | 11.5 | 11.6 | 11.1 | 10.7 | 9.6 | 8.9 | 9.0 | 9.6 | 10.4 | 10.4 | 10.5 | 10.9 | 11.9 | 11.4 | 11.1 | 10.3 | 9.3 | 8.0 | 7.4 | 8.2 | 9.0 | 9.7 | 10.3 | 10.6 | 11.3 | 11.8 | 11.6 | 11.7 | 10.4 | 9.9 | 8.7 | 9.5 | 10.6 | 12.3 | 15.0 | 16.4 | 18.1 | 19.6 | 21.8 | 25.1 | 28.0 | 31.2 | 35.0 | 39.9 | 44.0 |
| Fannie Mae 2019 | 8.6 | 9.0 | 9.7 | 10.1 | 10.6 | 10.6 | 10.0 | 9.2 | 8.6 | 7.9 | 7.7 | 8.0 | 8.7 | 9.1 | 9.4 | 9.6 | 9.9 | 10.2 | 10.3 | 9.5 | 8.5 | 7.4 | 7.1 | 7.0 | 7.4 | 7.8 | 8.7 | 9.8 | 10.6 | 11.3 | 10.7 | 9.9 | 8.6 | 8.0 | 7.8 | 8.3 | 9.5 | 10.9 | 12.6 | 14.1 | 16.5 | 18.2 | 20.4 | 23.8 | 27.3 | 31.5 | 36.5 | 40.9 | 46.1 |
| Freddie Mac 2019 | 8.3 | 8.6 | 9.4 | 10.2 | 10.2 | 10.2 | 9.3 | 8.5 | 7.8 | 6.8 | 7.0 | 7.2 | 8.1 | 8.4 | 9.0 | 9.1 | 9.3 | 9.5 | 9.7 | 9.2 | 8.2 | 6.9 | 6.4 | 6.8 | 7.5 | 8.0 | 9.0 | 9.5 | 10.3 | 10.5 | 10.0 | 9.8 | 8.7 | 7.9 | 7.5 | 7.9 | 9.1 | 10.4 | 12.7 | 14.2 | 16.1 | 17.6 | 20.5 | 24.3 | 27.7 | 30.4 | 33.9 | 39.3 | 44.4 |
| Fannie Mae All | 9.4 | 9.5 | 10.0 | 10.2 | 10.6 | 10.6 | 10.2 | 9.8 | 9.2 | 8.3 | 8.2 | 8.3 | 9.0 | 9.0 | 9.4 | 9.8 | 10.2 | 10.3 | 10.2 | 9.7 | 8.8 | 7.7 | 7.3 | 7.1 | 7.5 | 8.1 | 8.9 | 9.6 | 10.2 | 10.4 | 10.0 | 9.8 | 8.7 | 7.8 | 7.3 | 7.8 | 8.9 | 10.3 | 12.3 | 13.5 | 15.4 | 17.0 | 19.8 | 23.8 | 27.5 | 31.4 | 36.2 | 40.5 | 45.4 |
| Freddie Mac All | 9.4 | 9.6 | 10.2 | 10.6 | 10.7 | 10.6 | 10.1 | 9.6 | 9.0 | 8.3 | 8.3 | 8.3 | 8.9 | 9.3 | 9.8 | 9.9 | 10.2 | 10.1 | 10.2 | 9.8 | 9.0 | 7.6 | 7.0 | 7.1 | 7.7 | 8.2 | 9.1 | 9.6 | 10.3 | 10.6 | 10.1 | 9.9 | 8.6 | 7.8 | 7.3 | 7.8 | 8.9 | 10.3 | 12.4 | 13.6 | 15.3 | 16.6 | 19.5 | 23.5 | 27.2 | 30.2 | 34.3 | 39.3 | 44.2 |
| 2019 | 2020 | 2021 | 2022 | 2023 | All | ||||||||||||||||||||||||||||||||||||||||||||
| Fannie Mae | 8.6 | 9.7 | 14.2 | 7.8 | 7.9 | 9.4 | |||||||||||||||||||||||||||||||||||||||||||
| Freddie Mac | 8.3 | 10.3 | 13.7 | 7.9 | 16.6 | 9.4 |
Comparison of 30-year 3% Fastest Quartile based on 3-month CPR
Fannie Mae 2019 2020 2021 2022 2023 All 8.6 9.6999999999999993 14.2 7.8 7.9 9.4 Freddie Mac 2019 2020 2021 2022 2023 All 8.3000000000000007 10.3 13.7 7.9 16.600000000000001 9.4
30-year 3% Coupon, Last Six Years
Fannie Mae All 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 44593 44562 44531 44501 44470 44440 44409 44378 44348 44317 44287 44256 44228 44197 44166 44136 44105 44075 44044 44013 43983 43952 43922 43891 43862 43831 43800 43770 43739 43709 43678 43647 43617 43586 43556 43525 43497 43466 43800 9.4 9.5 10 10.199999999999999 10.6 10.6 10.199999999999999 9.8000000000000007 9.1999999999999993 8.3000000000000007 8.1999999999999993 8.3000000000000007 9 9 9.4 9.8000000000000007 10.199999999999999 10.3 10.199999999999999 9.6999999999999993 8.8000000000000007 7.7 7.3 7.1 7.5 8.1 8.9 9.6 10.199999999999999 10.4 10 9.8000000000000007 8.6999999999999993 7.8 7.3 7.8 8.9 10.3 12.3 13.5 15.4 17 19.8 23.8 27.5 31.4 36.200000000000003 40.5 45.4 48.7 51.1 50.7 50.2 49 51.7 58 62.7 64 62.2 61.3 63 62.4 62.1 58.8 55.4 51.6 51.2 49.4 44.5 32.299999999999997 21.5 17.899999999999999 20.5 22.8 22.6 18.7 11.5 6.9 5.9 6.1 6.1 Freddie Mac All 9.4 9.6 10.199999999999999 10.6 10.7 10.6 10.1 9.6 9 8.3000000000000007 8.3000000000000007 8.3000000000000007 8.9 9.3000000000000007 9.8000000000000007 9.9 10.199999999999999 10.1 10.199999999999999 9.8000000000000007 9 7.6 7 7.1 7.7 8.1999999999999993 9.1 9.6 10.3 10.6 10.1 9.9 8.6 7.8 7.3 7.8 8.9 10.3 12.4 13.6 15.3 16.600000000000001 19.5 23.5 27.2 30.2 34.299999999999997 39.299999999999997 44.2 48 50.4 49.8 49.2 48 50.3 57.2 62.1 63.7 62.1 60.9 62.3 62 61.4 58.2 55.6 52.1 51.6 48.8 44.1 32.5 20.6 17.600000000000001 18.3 18.7 19.2 14.5 9.6 8.1 6.1 6 0.7 0
30-year 3% Coupon, 2023
Fannie Mae 2023 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 7.9 9.1999999999999993 9.5 10.9 8.3000000000000007 10.3 13.4 16 13.5 10.5 6.5 5.6 5.7 5.2 6 9.5 9.6999999999999993 8.4 8.1 9 11.1 9.3000000000000007 8.5 7.9 8 8.1999999999999993 6 8.1999999999999993 8.6999999999999993 11.2 3 3.2 0.2 0.2 Freddie Mac 2023 16.600000000000001 15.6 11.8 11.1 10.9 15.4 14.9 13.9 9.6 9.5 7.8 8 7.2 6.7 4.9000000000000004 4.9000000000000004 4.8 5.6 6.1 5.9 6.7 6.1 6.7 5.2 7 6.3 10.4 8.1 9.1 3.3 3.8 4.0999999999999996 0.8 1.2
30-year 3% Coupon, 2022
Fannie Mae 2022 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 7.8 7.8 8.3000000000000007 8.6 8.9 8.9 8.8000000000000007 8.9 8.3000000000000007 7.4 7.3 7.6 8.5 7.8 8.3000000000000007 8.5 9 8.6999999999999993 8.6 8.1999999999999993 7.5 6.4 6.1 6 5.9 6 6.8 7.7 7.9 7.6 7 6.6 5.8 5.2 4.5999999999999996 4.5 4.8 5.6 6.2 6.5 6.9 7 7.3 7.2 7.9 7.1 Freddie Mac 2022 7.9 8.3000000000000007 8.8000000000000007 9.5 9.3000000000000007 9.1 8.6999999999999993 8.3000000000000007 8 7.1 6.9 6.9 7.2 7.7 8.6 8.6 8.9 8.6 8.8000000000000007 8.5 8 6.5 5.7 5.0999999999999996 5.4 5.7 6.8 7.2 8 7.7 7.3 6.6 5.6 5 4.4000000000000004 4.5 5 6.2 7.1 7.8 7.3 7 7 7.5 7.6 6
30-year 3% Coupon, 2021
Fannie Mae 2021 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 44593 44562 44531 44501 44470 44440 44409 44378 44348 44317 44287 44256 14.2 14.4 14.6 15.1 14.9 14.2 13.6 13.3 13.1 12.1 11.5 11.3 11.4 12.3 12.9 13.4 13.4 14.5 14.7 14 13.2 11.7 10.7 9.8000000000000007 10.4 10.8 11.4 12.4 13.7 13.7 12.7 12 11 9.5 8.8000000000000007 9.6 10.6 12.6 14.5 15.2 16.100000000000001 17.600000000000001 19.3 21.6 24 25.9 29.7 33.5 35.9 35.200000000000003 31.3 25 20 16.7 18.2 16.899999999999999 15.1 10.7 Freddie Mac 2021 13.7 13.8 14.9 14.3 14.9 14.7 14.1 14.4 13.7 12.6 12.5 12.1 12.7 13.4 14.2 14.2 13.6 13.8 14.4 14.5 13 12 10.8 10.5 10.6 11 12.6 13.3 14.5 15.3 14.2 13.2 10.8 9.6999999999999993 9.1 10 10.6 12.9 15.1 15.9 16.7 18.2 20.3 22.1 24.7 26.5 30.4 33.4 34.6 34.6 30.6 25.3 21.4 19.7 21.4 17.3 12.8 0.2
30-year 3% Coupon, 2020
Fannie Mae 2020 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 44593 44562 44531 44501 44470 44440 44409 44378 44348 44317 44287 44256 44228 44197 44166 44136 44105 44075 44044 44013 43983 43952 43922 43891 9.6999999999999993 9.8000000000000007 10.1 10.1 10.7 10.8 10.7 10.1 9.1999999999999993 8.4 8.4 8.5 9 9.1999999999999993 9.6 10 10.4 10.6 10 9.8000000000000007 8.6999999999999993 7.9 7.4 7.6 8 9 9.8000000000000007 10.3 10.7 10.7 10.9 11.2 10.1 9 8.3000000000000007 8.8000000000000007 10.3 11.8 13.9 14.9 16.3 18.100000000000001 21.8 25.4 28.8 32.1 36.700000000000003 40.6 45 48 50 49.4 48.1 47.4 50.4 57.8 62.8 64.099999999999994 61.7 59.1 58.6 57.2 56 51.2 43 31.4 19.5 11.3 7.3 4.3 Freddie Mac 2020 10.3 10.3 10.7 11.1 11.5 11.6 11.1 10.7 9.6 8.9 9 9.6 10.4 10.4 10.5 10.9 11.9 11.4 11.1 10.3 9.3000000000000007 8 7.4 8.1999999999999993 9 9.6999999999999993 10.3 10.6 11.3 11.8 11.6 11.7 10.4 9.9 8.6999999999999993 9.5 10.6 12.3 15 16.399999999999999 18.100000000000001 19.600000000000001 21.8 25.1 28 31.2 35 39.9 44 47.1 48.8 47.8 47.2 45.8 48.1 56.6 62.3 63.8 60.8 58.2 57.9 55.7 53.7 47.2 37.700000000000003 25.4 14.5 9.6999999999999993 6.9 7.6
30-year 3% Coupon, 2019
Fannie Mae 2019 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 44593 44562 44531 44501 44470 44440 44409 44378 44348 44317 44287 44256 44228 44197 44166 44136 44105 44075 44044 44013 43983 43952 43922 43891 43862 43831 43800 43770 43739 43709 43678 43647 43617 43586 43556 43525 8.6 9 9.6999999999999993 10.1 10.6 10.6 10 9.1999999999999993 8.6 7.9 7.7 8 8.6999999999999993 9.1 9.4 9.6 9.9 10.199999999999999 10.3 9.5 8.5 7.4 7.1 7 7.4 7.8 8.6999999999999993 9.8000000000000007 10.6 11.3 10.7 9.9 8.6 8 7.8 8.3000000000000007 9.5 10.9 12.6 14.1 16.5 18.2 20.399999999999999 23.8 27.3 31.5 36.5 40.9 46.1 49.5 52 51.6 51.6 50.2 52.5 58.2 62.3 63.5 62.7 62.3 64.3 63.8 63.8 61 58.1 54.6 54.1 51.9 46.3 33.1 21.5 17.899999999999999 20.5 22.8 22.6 18.7 11.5 6.9 5.9 6.1 6.1 Freddie Mac 2019 8.3000000000000007 8.6 9.4 10.199999999999999 10.199999999999999 10.199999999999999 9.3000000000000007 8.5 7.8 6.8 7 7.2 8.1 8.4 9 9.1 9.3000000000000007 9.5 9.6999999999999993 9.1999999999999993 8.1999999999999993 6.9 6.4 6.8 7.5 8 9 9.5 10.3 10.5 10 9.8000000000000007 8.6999999999999993 7.9 7.5 7.9 9.1 10.4 12.7 14.2 16.100000000000001 17.600000000000001 20.5 24.3 27.7 30.4 33.9 39.299999999999997 44.4 48.4 50.7 50.4 50.1 49.1 51.4 57.5 61.9 63.7 62.5 61.8 63.6 63.8 63.3 60.1 57.8 54.6 54.2 51 45.6 32.6 20.6 17.600000000000001 18.3 18.7 19.2 14.5 9.6 8.1 6.1 6 0.7 0
3.5% Coupon
| Dec-25 | Nov-25 | Oct-25 | Sep-25 | Aug-25 | Jul-25 | Jun-25 | May-25 | Apr-25 | Mar-25 | Feb-25 | Jan-25 | Dec-24 | Nov-24 | Oct-24 | Sep-24 | Aug-24 | Jul-24 | Jun-24 | May-24 | Apr-24 | Mar-24 | Feb-24 | Jan-24 | Dec-23 | Nov-23 | Oct-23 | Sep-23 | Aug-23 | Jul-23 | Jun-23 | May-23 | Apr-23 | Mar-23 | Feb-23 | Jan-23 | Dec-22 | Nov-22 | Oct-22 | Sep-22 | Aug-22 | Jul-22 | Jun-22 | May-22 | Apr-22 | Mar-22 | Feb-22 | Jan-22 | Dec-21 | |
| Fannie Mae 2025 | 6.3 | 6.6 | 3.9 | 4.8 | 6.2 | 8.5 | 8.7 | 4.5 | 4.0 | ||||||||||||||||||||||||||||||||||||||||
| Freddie Mac 2025 | 5.4 | 11.6 | 9.9 | 14.0 | 8.2 | 8.4 | 6.8 | 5.5 | 5.4 | 2.4 | |||||||||||||||||||||||||||||||||||||||
| Fannie Mae 2024 | 4.3 | 3.4 | 3.3 | 3.6 | 5.0 | 4.9 | 5.4 | 6.5 | 5.8 | 5.0 | 2.6 | 3.4 | 5.2 | 4.2 | 4.0 | 13.5 | 10.5 | 10.5 | 0.2 | 0.3 | 0.3 | 0.3 | |||||||||||||||||||||||||||
| Freddie Mac 2024 | 6.3 | 3.2 | 3.2 | 3.1 | 3.9 | 4.7 | 8.6 | 9.5 | 11.0 | 5.4 | 4.1 | 5.1 | 2.7 | 1.8 | 1.4 | 6.1 | 8.2 | 8.1 | 7.9 | 1.4 | 1.5 | 0.7 | |||||||||||||||||||||||||||
| Fannie Mae 2023 | 11.5 | 11.4 | 12.1 | 14.7 | 12.5 | 8.8 | 6.4 | 8.0 | 7.8 | 8.0 | 6.5 | 6.0 | 5.9 | 6.2 | 7.0 | 6.9 | 6.8 | 7.6 | 6.6 | 6.3 | 4.9 | 4.2 | 3.9 | 4.9 | 6.5 | 4.7 | 5.0 | 4.8 | 5.7 | 4.8 | 4.5 | 8.2 | 7.8 | ||||||||||||||||
| Freddie Mac 2023 | 12.6 | 12.7 | 9.6 | 11.6 | 13.8 | 15.5 | 12.7 | 9.3 | 5.5 | 9.5 | 8.4 | 8.7 | 7.6 | 7.2 | 9.7 | 11.0 | 14.0 | 13.9 | 10.5 | 8.6 | 4.2 | 3.1 | 2.8 | 2.0 | 4.6 | 14.7 | 14.6 | 13.0 | 5.3 | 8.7 | 6.2 | 5.7 | 3.8 | - 0 | |||||||||||||||
| Fannie Mae 2022 | 9.2 | 9.2 | 9.5 | 9.9 | 10.3 | 10.7 | 10.3 | 9.9 | 8.9 | 8.0 | 7.6 | 7.7 | 8.4 | 8.7 | 9.0 | 9.3 | 9.3 | 9.4 | 9.1 | 8.7 | 7.9 | 6.8 | 6.0 | 5.9 | 5.9 | 6.3 | 7.4 | 7.7 | 8.0 | 7.6 | 7.5 | 7.2 | 6.7 | 5.8 | 4.9 | 4.9 | 5.4 | 5.9 | 6.4 | 7.1 | 7.5 | 7.8 | 7.8 | 9.2 | 11.9 | 10.8 | |||
| Freddie Mac 2022 | 9.3 | 9.4 | 9.5 | 9.5 | 10.0 | 10.5 | 11.0 | 10.6 | 9.5 | 8.3 | 7.5 | 7.7 | 8.4 | 8.6 | 9.0 | 9.5 | 9.7 | 10.1 | 9.7 | 9.2 | 8.0 | 7.0 | 6.4 | 5.9 | 6.4 | 6.7 | 7.8 | 7.9 | 8.3 | 8.1 | 7.8 | 7.6 | 6.5 | 5.6 | 4.7 | 4.9 | 5.6 | 6.2 | 6.8 | 6.9 | 7.2 | 7.1 | 7.7 | 10.4 | 13.4 | 11.2 | - 0 | ||
| Fannie Mae 2021 | 18.9 | 17.0 | 17.8 | 19.0 | 22.2 | 22.0 | 22.2 | 21.6 | 20.0 | 16.3 | 16.4 | 21.1 | 23.2 | 22.1 | 20.4 | 22.0 | 22.8 | 27.3 | 25.6 | 23.8 | 17.7 | 18.7 | 19.5 | 17.2 | 16.6 | 17.3 | 18.3 | 17.8 | 19.8 | 19.8 | 21.2 | 19.2 | 18.0 | 17.6 | 16.8 | 17.2 | 18.1 | 20.1 | 24.0 | 26.1 | 29.8 | 27.9 | 30.5 | 34.1 | 37.0 | 38.3 | 42.7 | 47.4 | 51.4 |
| Freddie Mac 2021 | 17.5 | 17.4 | 19.4 | 19.5 | 22.5 | 19.9 | 21.2 | 18.0 | 17.4 | 16.4 | 14.9 | 17.7 | 18.9 | 20.4 | 19.3 | 18.1 | 22.5 | 23.5 | 23.6 | 20.3 | 18.6 | 17.3 | 16.8 | 15.2 | 13.6 | 16.4 | 20.5 | 22.0 | 24.2 | 21.3 | 21.4 | 19.5 | 18.0 | 16.7 | 13.8 | 13.8 | 15.1 | 20.6 | 22.7 | 24.7 | 26.9 | 27.2 | 28.7 | 31.3 | 37.0 | 46.0 | 47.1 | 49.0 | 49.8 |
| Fannie Mae 2020 | 13.7 | 13.0 | 14.3 | 13.0 | 14.7 | 14.9 | 14.9 | 14.4 | 14.3 | 13.9 | 12.9 | 12.8 | 12.8 | 12.6 | 14.2 | 14.1 | 14.8 | 15.2 | 15.3 | 15.5 | 14.9 | 12.4 | 12.3 | 11.3 | 11.3 | 12.6 | 14.0 | 14.1 | 15.6 | 16.1 | 15.6 | 15.3 | 13.6 | 13.2 | 12.9 | 13.3 | 15.0 | 17.1 | 20.1 | 22.3 | 25.2 | 28.6 | 33.0 | 38.1 | 45.0 | 48.0 | 51.6 | 54.5 | 56.5 |
| Freddie Mac 2020 | 15.1 | 16.6 | 16.0 | 17.4 | 15.2 | 15.8 | 15.4 | 16.6 | 16.5 | 15.5 | 14.2 | 13.4 | 14.9 | 13.5 | 15.7 | 16.7 | 16.8 | 17.3 | 16.8 | 16.2 | 15.3 | 14.1 | 12.8 | 11.8 | 14.3 | 15.1 | 16.0 | 14.2 | 16.7 | 17.4 | 17.3 | 17.2 | 18.3 | 17.5 | 14.2 | 13.8 | 16.4 | 19.9 | 21.8 | 22.8 | 26.5 | 29.5 | 34.4 | 39.7 | 42.6 | 44.9 | 46.1 | 49.8 | 53.0 |
| Fannie Mae 2019 | 11.4 | 11.4 | 12.7 | 12.5 | 12.5 | 13.1 | 12.9 | 12.1 | 10.9 | 10.6 | 10.4 | 10.2 | 10.7 | 10.7 | 11.2 | 11.3 | 12.6 | 12.9 | 13.0 | 11.9 | 10.8 | 9.5 | 9.3 | 9.4 | 10.5 | 10.4 | 11.3 | 12.1 | 14.2 | 14.8 | 14.9 | 13.6 | 11.8 | 11.1 | 10.7 | 12.2 | 14.1 | 15.9 | 17.2 | 19.1 | 22.0 | 24.8 | 29.1 | 35.9 | 40.7 | 43.4 | 46.5 | 49.4 | 52.8 |
| Freddie Mac 2019 | 11.9 | 12.0 | 12.8 | 12.5 | 12.3 | 11.6 | 11.8 | 11.6 | 11.4 | 10.4 | 10.6 | 11.0 | 11.8 | 11.0 | 11.5 | 12.3 | 12.3 | 13.1 | 13.2 | 12.1 | 11.4 | 10.0 | 9.1 | 9.4 | 10.0 | 11.2 | 12.3 | 13.3 | 14.3 | 14.2 | 14.2 | 13.8 | 12.2 | 11.5 | 11.3 | 11.2 | 12.8 | 14.3 | 17.3 | 20.2 | 23.2 | 25.7 | 29.7 | 34.6 | 37.9 | 40.5 | 42.9 | 46.6 | 50.1 |
| Fannie Mae All | 10.2 | 10.1 | 10.7 | 11.0 | 11.4 | 11.8 | 11.4 | 11.0 | 9.9 | 9.2 | 8.8 | 9.0 | 9.6 | 9.8 | 10.1 | 10.5 | 11.0 | 11.3 | 11.1 | 10.4 | 9.3 | 8.3 | 8.0 | 7.8 | 8.2 | 8.5 | 9.6 | 10.1 | 11.3 | 11.4 | 11.3 | 10.9 | 10.0 | 9.2 | 8.7 | 9.1 | 10.3 | 11.7 | 13.9 | 16.1 | 18.9 | 21.5 | 26.9 | 34.8 | 41.4 | 44.4 | 47.9 | 51.0 | 54.3 |
| Freddie Mac All | 10.4 | 10.7 | 11.0 | 11.0 | 11.2 | 11.4 | 11.7 | 11.3 | 10.5 | 9.5 | 8.9 | 9.2 | 10.0 | 10.0 | 10.6 | 11.0 | 11.6 | 12.0 | 11.6 | 10.8 | 9.7 | 8.6 | 7.9 | 7.7 | 8.3 | 9.1 | 10.4 | 10.7 | 11.5 | 11.8 | 11.8 | 11.3 | 10.1 | 9.2 | 8.5 | 8.8 | 10.1 | 11.7 | 14.0 | 15.8 | 18.2 | 21.4 | 26.9 | 33.8 | 38.2 | 41.6 | 43.9 | 47.4 | 50.6 |
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | All | ||||||||||||||||||||||||||||||||||||||||||
| Fannie Mae | 11.4 | 13.7 | 18.9 | 9.2 | 11.5 | 4.3 | 6.3 | 10.2 | |||||||||||||||||||||||||||||||||||||||||
| Freddie Mac | 11.9 | 15.1 | 17.5 | 9.3 | 12.6 | 6.3 | 5.4 | 10.4 |
Comparison of 30-year 3.5% Fastest Quartile based on 3-month CPR
Fannie Mae 2019 2020 2021 2022 2023 2024 2025 All 11.4 13.7 18.899999999999999 9.1999999999999993 11.5 4.3 6.3 10.199999999999999 Freddie Mac 2019 2020 2021 2022 2023 2024 2025 All 11.9 15.1 17.5 9.3000000000000007 12.6 6.3 5.4 10.4
30-year 3.5% Coupon, Last Six Years
Fannie Mae All 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 44593 44562 44531 44501 44470 44440 44409 44378 44348 44317 44287 44256 44228 44197 44166 44136 44105 44075 44044 44013 43983 43952 43922 43891 43862 43831 43800 43770 43739 43709 43678 43647 43617 43586 43556 43525 43497 43466 43800 10.199999999999999 10.1 10.7 11 11.4 11.8 11.4 11 9.9 9.1999999999999993 8.8000000000000007 9 9.6 9.8000000000000007 10.1 10.5 11 11.3 11.1 10.4 9.3000000000000007 8.3000000000000007 8 7.8 8.1999999999999993 8.5 9.6 10.1 11.3 11.4 11.3 10.9 10 9.1999999999999993 8.6999999999999993 9.1 10.3 11.7 13.9 16.100000000000001 18.899999999999999 21.5 26.9 34.799999999999997 41.4 44.4 47.9 51 54.3 55.2 56.3 57.1 58 57.5 61 64.5 65.400000000000006 63.1 60.8 60.5 63.4 62.7 62.6 61.3 62.5 63.4 65.2 62.9 56.4 43.9 35.299999999999997 34.6 40.700000000000003 44.2 42.6 34.4 23.8 17 10.7 9.1999999999999993 7 9.4 Freddie Mac All 10.4 10.7 11 11 11.2 11.4 11.7 11.3 10.5 9.5 8.9 9.1999999999999993 10 10 10.6 11 11.6 12 11.6 10.8 9.6999999999999993 8.6 7.9 7.7 8.3000000000000007 9.1 10.4 10.7 11.5 11.8 11.8 11.3 10.1 9.1999999999999993 8.5 8.8000000000000007 10.1 11.7 14 15.8 18.2 21.4 26.9 33.799999999999997 38.200000000000003 41.6 43.9 47.4 50.6 52.6 54.1 54.5 56.1 56 59 62.6 64.2 62.9 61.5 62 63.8 63.6 64 62.9 63.7 65.2 66.3 64.3 57 45.5 37 35.700000000000003 42.1 45 44.9 36.5 24.1 17.600000000000001 10.3 8.3000000000000007 4.9000000000000004 0
30-year 3.5% Coupon, 2025
Fannie Mae 2025 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 6.3 6.6 3.9 4.8 6.2 8.5 8.6999999999999993 4.5 4 Freddie Mac 2025 5.4 11.6 9.9 14 8.1999999999999993 8.4 6.8 5.5 5.4 2.4
30-year 3.5% Coupon, 2024
Fannie Mae 2024 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 4.3 3.4 3.3 3.6 5 4.9000000000000004 5.4 6.5 5.8 5 2.6 3.4 5.2 4.2 4 13.5 10.5 10.5 0.2 0.3 0.3 0.3 Freddie Mac 2024 6.3 3.2 3.2 3.1 3.9 4.7 8.6 9.5 11 5.4 4.0999999999999996 5.0999999999999996 2.7 1.8 1.4 6.1 8.1999999999999993 8.1 7.9 1.4 1.5 0.7
30-year 3.5% Coupon, 2023
Fannie Mae 2023 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 11.5 11.4 12.1 14.7 12.5 8.8000000000000007 6.4 8 7.8 8 6.5 6 5.9 6.2 7 6.9 6.8 7.6 6.6 6.3 4.9000000000000004 4.2 3.9 4.9000000000000004 6.5 4.7 5 4.8 5.7 4.8 4.5 8.1999999999999993 7.8 Freddie Mac 2023 12.6 12.7 9.6 11.6 13.8 15.5 12.7 9.3000000000000007 5.5 9.5 8.4 8.6999999999999993 7.6 7.2 9.6999999999999993 11 14 13.9 10.5 8.6 4.2 3.1 2.8 2 4.5999999999999996 14.7 14.6 13 5.3 8.6999999999999993 6.2 5.7 3.8 0
30-year 3.5% Coupon, 2022
Fannie Mae 2022 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 9.1999999999999993 9.1999999999999993 9.5 9.9 10.3 10.7 10.3 9.9 8.9 8 7.6 7.7 8.4 8.6999999999999993 9 9.3000000000000007 9.3000000000000007 9.4 9.1 8.6999999999999993 7.9 6.8 6 5.9 5.9 6.3 7.4 7.7 8 7.6 7.5 7.2 6.7 5.8 4.9000000000000004 4.9000000000000004 5.4 5.9 6.4 7.1 7.5 7.8 7.8 9.1999999999999993 11.9 10.8 Freddie Mac 2022 9.3000000000000007 9.4 9.5 9.5 10 10.5 11 10.6 9.5 8.3000000000000007 7.5 7.7 8.4 8.6 9 9.5 9.6999999999999993 10.1 9.6999999999999993 9.1999999999999993 8 7 6.4 5.9 6.4 6.7 7.8 7.9 8.3000000000000007 8.1 7.8 7.6 6.5 5.6 4.7 4.9000000000000004 5.6 6.2 6.8 6.9 7.2 7.1 7.7 10.4 13.4 11.2
30-year 3.5% Coupon, 2021
Fannie Mae 2021 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 44593 44562 44531 44501 44470 44440 44409 44378 44348 44317 44287 44256 18.899999999999999 17 17.8 19 22.2 22 22.2 21.6 20 16.3 16.399999999999999 21.1 23.2 22.1 20.399999999999999 22 22.8 27.3 25.6 23.8 17.7 18.7 19.5 17.2 16.600000000000001 17.3 18.3 17.8 19.8 19.8 21.2 19.2 18 17.600000000000001 16.8 17.2 18.100000000000001 20.100000000000001 24 26.1 29.8 27.9 30.5 34.1 37 38.299999999999997 42.7 47.4 51.4 51.9 50.8 49.1 48.6 40.1 36.9 26.7 23.2 2.1 Freddie Mac 2021 17.5 17.399999999999999 19.399999999999999 19.5 22.5 19.899999999999999 21.2 18 17.399999999999999 16.399999999999999 14.9 17.7 18.899999999999999 20.399999999999999 19.3 18.100000000000001 22.5 23.5 23.6 20.3 18.600000000000001 17.3 16.8 15.2 13.6 16.399999999999999 20.5 22 24.2 21.3 21.4 19.5 18 16.7 13.8 13.8 15.1 20.6 22.7 24.7 26.9 27.2 28.7 31.3 37 46 47.1 49 49.8 51.4 44.4 39.299999999999997 32.6 37.4 33.1 41.6 43.5 47.2
30-year 3.5% Coupon, 2020
Fannie Mae 2020 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 44593 44562 44531 44501 44470 44440 44409 44378 44348 44317 44287 44256 44228 44197 44166 44136 44105 44075 44044 44013 43983 43952 43922 43891 13.7 13 14.3 13 14.7 14.9 14.9 14.4 14.3 13.9 12.9 12.8 12.8 12.6 14.2 14.1 14.8 15.2 15.3 15.5 14.9 12.4 12.3 11.3 11.3 12.6 14 14.1 15.6 16.100000000000001 15.6 15.3 13.6 13.2 12.9 13.3 15 17.100000000000001 20.100000000000001 22.3 25.2 28.6 33 38.1 45 48 51.6 54.5 56.5 56.8 56.8 56.9 58.3 58.2 60.9 65.2 66.2 63.3 60.6 58.5 60.8 57.9 56.3 53.3 48.2 38 25.7 16.8 11.7 6.5 Freddie Mac 2020 15.1 16.600000000000001 16 17.399999999999999 15.2 15.8 15.4 16.600000000000001 16.5 15.5 14.2 13.4 14.9 13.5 15.7 16.7 16.8 17.3 16.8 16.2 15.3 14.1 12.8 11.8 14.3 15.1 16 14.2 16.7 17.399999999999999 17.3 17.2 18.3 17.5 14.2 13.8 16.399999999999999 19.899999999999999 21.8 22.8 26.5 29.5 34.4 39.700000000000003 42.6 44.9 46.1 49.8 53 54.4 58.2 57.3 58.1 55.3 58.3 62.2 64.599999999999994 62.6 60.7 59.5 59.1 56 53.8 50.1 43.7 34.9 24.1 14.6 10.3 1.6
30-year 3.5% Coupon, 2019
Fannie Mae 2019 45992 45962 45931 45901 45870 45839 45809 45778 45748 45717 45689 45658 45627 45597 45566 45536 45505 45474 45444 45413 45383 45352 45323 45292 45261 45231 45200 45170 45139 45108 45078 45047 45017 44986 44958 44927 44896 44866 44835 44805 44774 44743 44713 44682 44652 44621 44593 44562 44531 44501 44470 44440 44409 44378 44348 44317 44287 44256 44228 44197 44166 44136 44105 44075 44044 44013 43983 43952 43922 43891 43862 43831 43800 43770 43739 43709 43678 43647 43617 43586 43556 43525 11.4 11.4 12.7 12.5 12.5 13.1 12.9 12.1 10.9 10.6 10.4 10.199999999999999 10.7 10.7 11.2 11.3 12.6 12.9 13 11.9 10.8 9.5 9.3000000000000007 9.4 10.5 10.4 11.3 12.1 14.2 14.8 14.9 13.6 11.8 11.1 10.7 12.2 14.1 15.9 17.2 19.100000000000001 22 24.8 29.1 35.9 40.700000000000003 43.4 46.5 49.4 52.8 54.5 56.1 57 57.8 57.3 61 64.2 65.099999999999994 62.9 60.8 60.7 63.6 62.9 62.9 61.7 62.8 63.7 65.5 63.1 56.5 44 35.299999999999997 34.6 40.700000000000003 44.2 42.6 34.4 23.8 17 10.7 9.1999999999999993 7 9.4 Freddie Mac 2019 11.9 12 12.8 12.5 12.3 11.6 11.8 11.6 11.4 10.4 10.6 11 11.8 11 11.5 12.3 12.3 13.1 13.2 12.1 11.4 10 9.1 9.4 10 11.2 12.3 13.3 14.3 14.2 14.2 13.8 12.2 11.5 11.3 11.2 12.8 14.3 17.3 20.2 23.2 25.7 29.7 34.6 37.9 40.5 42.9 46.6 50.1 52 53.1 53.9 55.7 55.9 59.1 62.6 64 62.9 61.4 62 63.9 63.9 64.2 63.1 63.9 65.400000000000006 66.400000000000006 64.400000000000006 57 45.5 37 35.700000000000003 42.1 45 44.9 36.5 24.1 17.600000000000001 10.3 8.3000000000000007 4.9000000000000004 0
4% Coupon
| Dec-25 | Nov-25 | Oct-25 | Sep-25 | Aug-25 | Jul-25 | Jun-25 | May-25 | Apr-25 | Mar-25 | Feb-25 | Jan-25 | Dec-24 | Nov-24 | Oct-24 | Sep-24 | Aug-24 | Jul-24 | Jun-24 | May-24 | Apr-24 | Mar-24 | Feb-24 | Jan-24 | Dec-23 | Nov-23 | Oct-23 | Sep-23 | Aug-23 | Jul-23 | Jun-23 | May-23 | Apr-23 | Mar-23 | Feb-23 | Jan-23 | Dec-22 | Nov-22 | Oct-22 | Sep-22 | Aug-22 | Jul-22 | Jun-22 | May-22 | Apr-22 | Mar-22 | Feb-22 | Jan-22 | Dec-21 | |
| Fannie Mae 2025 | 4.8 | 4.7 | 5.3 | 5.6 | 4.8 | 6.2 | 6.7 | 8.2 | 5.5 | 0.2 | |||||||||||||||||||||||||||||||||||||||
| Freddie Mac 2025 | 4.2 | 3.6 | 3.9 | 5.7 | 5.0 | 5.0 | 4.7 | 7.0 | 7.0 | 4.4 | |||||||||||||||||||||||||||||||||||||||
| Fannie Mae 2024 | 5.1 | 5.7 | 6.3 | 5.5 | 4.6 | 4.1 | 4.9 | 5.7 | 6.3 | 6.0 | 6.0 | 5.1 | 5.7 | 6.0 | 7.4 | 6.5 | 5.1 | 5.0 | 4.9 | 4.8 | 3.4 | ||||||||||||||||||||||||||||
| Freddie Mac 2024 | 6.1 | 7.9 | 8.8 | 8.2 | 6.1 | 6.7 | 6.1 | 5.8 | 6.2 | 6.1 | 6.4 | 5.3 | 5.8 | 5.4 | 7.1 | 7.1 | 6.5 | 4.7 | 7.8 | 5.5 | 2.0 | - 0 | |||||||||||||||||||||||||||
| Fannie Mae 2023 | 9.1 | 8.2 | 9.7 | 10.2 | 11.0 | 9.6 | 9.9 | 9.5 | 7.4 | 6.9 | 6.5 | 6.0 | 6.7 | 6.8 | 7.4 | 7.8 | 7.3 | 7.4 | 7.1 | 6.8 | 4.9 | 4.9 | 4.7 | 4.1 | 4.5 | 4.0 | 4.4 | 4.3 | 5.2 | 4.8 | 4.8 | 5.3 | 4.9 | 0.9 | 0.2 | ||||||||||||||
| Freddie Mac 2023 | 9.5 | 8.2 | 9.3 | 11.1 | 10.3 | 9.5 | 10.2 | 11.4 | 10.2 | 8.7 | 7.3 | 6.6 | 8.0 | 8.0 | 9.2 | 8.0 | 8.7 | 8.9 | 8.6 | 7.1 | 6.0 | 4.9 | 4.8 | 4.7 | 3.9 | 4.7 | 5.3 | 5.6 | 5.1 | 6.1 | 4.1 | 4.1 | 4.2 | 0.8 | - 0 | ||||||||||||||
| Fannie Mae 2022 | 9.7 | 9.9 | 10.2 | 10.4 | 10.7 | 11.1 | 11.0 | 10.8 | 9.9 | 9.0 | 8.3 | 8.2 | 8.9 | 9.2 | 9.9 | 10.0 | 10.1 | 9.9 | 9.6 | 9.2 | 8.3 | 7.3 | 6.6 | 6.3 | 6.5 | 6.6 | 7.4 | 7.7 | 8.1 | 8.2 | 8.0 | 7.8 | 6.9 | 6.2 | 5.4 | 5.2 | 5.7 | 6.1 | 7.2 | 7.6 | 8.2 | 8.0 | 8.7 | 10.7 | 29.3 | 29.9 | |||
| Freddie Mac 2022 | 10.0 | 10.2 | 10.4 | 10.9 | 11.4 | 11.8 | 11.6 | 10.8 | 9.9 | 8.7 | 8.5 | 8.4 | 9.3 | 9.2 | 10.3 | 10.1 | 10.1 | 10.0 | 9.8 | 9.4 | 7.7 | 6.3 | 5.7 | 5.5 | 6.2 | 6.8 | 7.4 | 7.6 | 7.8 | 7.7 | 7.3 | 7.1 | 6.4 | 5.6 | 5.0 | 5.1 | 5.9 | 6.0 | 7.1 | 7.3 | 8.9 | 8.3 | 8.2 | 12.6 | 18.3 | 12.1 | |||
| Fannie Mae 2020 | 17.5 | 16.4 | 16.1 | 16.4 | 18.4 | 19.9 | 17.5 | 14.6 | 14.5 | 15.0 | 16.6 | 16.6 | 19.3 | 18.1 | 15.5 | 16.7 | 16.6 | 18.6 | 17.7 | 16.7 | 16.1 | 13.8 | 14.4 | 15.0 | 16.0 | 15.7 | 16.5 | 18.0 | 20.2 | 24.7 | 24.2 | 23.6 | 17.9 | 19.4 | 15.9 | 18.8 | 19.4 | 25.0 | 27.0 | 28.0 | 32.0 | 35.3 | 42.0 | 48.8 | 52.6 | 52.1 | 54.4 | 58.6 | 60.2 |
| Freddie Mac 2020 | 21.0 | 19.5 | 19.5 | 20.2 | 23.1 | 24.4 | 25.5 | 23.8 | 22.4 | 19.0 | 16.3 | 16.4 | 16.7 | 18.3 | 16.9 | 20.0 | 20.0 | 19.4 | 16.7 | 18.5 | 17.8 | 17.4 | 19.3 | 17.7 | 21.0 | 17.2 | 24.1 | 22.7 | 23.8 | 21.6 | 20.8 | 19.4 | 17.2 | 14.3 | 15.6 | 16.2 | 21.1 | 23.9 | 25.0 | 28.5 | 32.7 | 38.5 | 44.2 | 50.9 | 53.7 | 54.7 | 56.1 | 60.4 | 63.8 |
| Fannie Mae 2019 | 13.6 | 12.9 | 13.0 | 13.9 | 15.3 | 15.8 | 16.0 | 15.2 | 13.4 | 13.1 | 13.1 | 12.1 | 12.9 | 13.0 | 13.3 | 14.4 | 14.4 | 14.9 | 13.8 | 14.2 | 12.3 | 11.1 | 11.8 | 12.1 | 12.4 | 12.6 | 14.0 | 15.4 | 16.8 | 17.1 | 17.3 | 16.5 | 15.2 | 14.0 | 13.6 | 13.6 | 16.3 | 18.8 | 21.3 | 23.2 | 26.3 | 30.0 | 38.0 | 45.7 | 49.9 | 51.0 | 51.0 | 54.3 | 55.5 |
| Freddie Mac 2019 | 15.3 | 14.6 | 15.5 | 14.6 | 17.1 | 16.4 | 16.1 | 13.6 | 13.7 | 13.8 | 14.3 | 14.6 | 14.7 | 15.0 | 15.7 | 15.2 | 15.2 | 14.9 | 15.0 | 16.4 | 15.2 | 14.6 | 12.4 | 12.2 | 11.5 | 12.6 | 14.9 | 17.4 | 18.0 | 17.8 | 17.5 | 18.2 | 16.8 | 15.5 | 15.0 | 15.4 | 18.1 | 20.7 | 21.6 | 23.4 | 27.0 | 31.8 | 38.5 | 45.5 | 49.5 | 50.1 | 49.7 | 49.9 | 52.5 |
| Fannie Mae All | 10.0 | 10.1 | 10.4 | 10.7 | 11.2 | 11.5 | 11.5 | 11.2 | 10.3 | 9.6 | 9.0 | 8.8 | 9.5 | 9.8 | 10.3 | 10.7 | 10.8 | 10.8 | 10.4 | 10.1 | 9.1 | 8.2 | 7.7 | 7.7 | 7.9 | 8.0 | 9.0 | 9.7 | 10.5 | 10.7 | 10.5 | 10.2 | 9.0 | 8.4 | 7.6 | 8.0 | 9.2 | 10.9 | 13.3 | 15.5 | 19.2 | 25.4 | 34.4 | 45.6 | 50.7 | 51.6 | 52.3 | 55.6 | 56.9 |
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File details come from the government source that posted it. Updated .