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Freddie Mac CRT Program Protected $418B in Unpaid Principal Balance of Mortgages

Home Industry News
August 9, 2021
Reading Time: 1 min read
Freddie Mac CRT Program Protected $418B in Unpaid Principal Balance of Mortgages

Freddie Mac’s Credit Risk Transfer (CRT) program—which transfers credit risk away from U.S. taxpayers to global private capital via securities and (re)insurance policies—reported record first half CRT issuance of $9.9 billion, protecting $418.9 billion unpaid principal balance of mortgages.

Second quarter CRT issuance of $3.5 billion, credit protecting $173.6 of single-family mortgages and record first quarter issuance of $6.4 billion, credit protecting $245.4 billion of single-family mortgages boosted the half. The issuances included STACR®, ACIS®, subordination and certain lender risk sharing transactions.

“Our first half CRT issuance increased notably year-over-year due to the swell of purchase and refinance activity, as well as our ability to shorten the time from loan acquisition to ACIS issuance, in the first quarter,” said Freddie Mac’s Mike Reynolds, vice president of Single-Family CRT. “In our strongest half to date, we completed the largest transactions in the history of the STACR and ACIS programs, drew 111 investors and continued to attract new capital to the CRT markets.”

Through its flagship offerings alone, Freddie Mac issued approximately $9.1 billion across five STACR and seven ACIS transactions in the first half, which exceeded the previous first half high of $5.5 billion in the first half of 2020. Among the notable transactions were STACR 2021-HQA1 and ACIS 2021-SAP1, with record-setting issuances of $1.4 billion and $1 billion, respectively.

Since the first CRT transaction in 2013, Freddie Mac’s Single-Family CRT program has cumulatively transferred approximately $83 billion in credit risk on approximately $2.3 trillion in mortgages through STACR, ACIS, certain senior subordination securitization structures and certain lender risk sharing transactions. As of June 30, 2021, 49% of the Single-Family mortgage portfolio was covered by credit enhancement.

Source: Freddie Mac

Tags: CRT ProgramFreddie MacIndustry NewsMortgagesreal estate news
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Brit Owen

Brit Owen

Brit Owen is RISMedia’s Email Marketing Specialist where she collaborates with the editorial team to create email campaigns, as well as analyzes campaign data to understand performance. Before RISMedia, Brit worked as a digital marketer for the cybersecurity, healthcare, sports and entertainment, aviation and IT industries. She earned her degree in Communications with a minor in Marketing from Central Connecticut State University. FUN FACT: Brit has been an avid athlete, playing softball, tennis, dancing, wakeboarding and skysking. In 2012, she tried out for the Boston Celtic’s dance team.

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