| 2016 | 2015 | 2014 | |
|---|---|---|---|
| ABS (Public + 144A) | 151,550.0 | 205,920.6 | 223,442.3 |
| ABS (Public + 144A excluding CDOs) | 130,159.8 | 149,430.6 | 153,512.5 |
| ABS (Public Only) | 60,144.3 | 82,048.6 | 93,210.5 |
| ABS (144A Only) | 91,405.7 | 123,872.0 | 130,231.9 |
| Non-Agency MBS | 64,282.5 | 93,678.4 | 77,318.1 |
| Agency MBS | 176,971.9 | 162,165.7 | 153,184.0 |
| CMBS | 74,144.6 | 75,017.6 | 61,355.3 |
| Source: Thomson Reuters | |||
Loan sizes are only $477.50 on average, while borrowers attached to the contracts have weighted average FICO scores of 727.
The proceeds from the deal will recoup costs for repairs on energy infrastructure damaged after Hurricane Helene in 2024.
A 50-year mortgage would make borrowers susceptible to higher interest rates, significantly more payable interest and slower equity gains, LendingTree analysis showed.
Fed Gov. Stephan Miran has spent his short tenure at the central bank arguing that disinflation in housing and immigration reforms will tamp down inflation in the near term. But other economists say the timing, degree and context of those effects is very much in question.
SEMT 2025-12's collateral profile is slightly weaker compared with the prior transaction, with a slightly lower weighted average FICO score.
MP 2025-1's loan-to-value ratio will not exceed 70% of aggregate appraised value. To maintain this leverage level, the deal will also collect supplemental principal payments.
