Freddie Mortgage Commitments $956 Million In April Vs $16 Billion In March
May 28 2009 - 9:46AM
Dow Jones News
Freddie Mac (FRE) reported Thursday that its total mortgage
portfolio shrank at the annualized rate of 8.1% in April, and its
commitments to buy mortgage bonds dropped sharply to $956 million
during the company.
The company added that much of its resources went toward
purchase of refinanced loans under the Making Home Affordable
program.
In a monthly report released Thursday, Freddie said it expects
refinancing volumes to stay up in the near term as more homeowners
take advantage of this opportunity to lower their mortgage rates
and monthly payments.
Meanwhile, the mortgage company curtailed its mortgage bond
commitments to $956 million from $15.8 billion in March. This was
the first time Freddie had dropped these commitments to such a low
number since last July..
Also, its single-family delinquency rate continued to go up
under the dual impact of its foreclosure program being suspended
and the broader economic slowdown.
Freddie said its delinquency rate rose to 2.44% in April from
2.29% in March.
Freddie noted that these numbers may be slightly skewed due to
the temporary moratorium on its foreclosure program, which means
loans stay delinquent instead of moving on to foreclosure. The
company didn't reveal the extent of the impact.
Even then, these delinquency rates continue to rise to record
highs for the mortgage finance giant, and are an indication of the
extent of decline among prime borrowers with conforming loans. The
delinquency rate was at 0.65% at the end of 2007.
Meanwhile, in March, Freddie's total investment portfolio was at
$830.3 billion, down from $867.1 billion last month.
Over the past couple of months, the role of Freddie and its
sibling Fannie Mae (FNM) have diminished in the mortgage market as
both the U.S. Treasury and the Federal Reserve have emerged as
backstop buyers with deep pockets.
However, market participants still keep tabs on Fannie and
Freddie's portfolios as an indication of their financial health,
and their ability to continue to play a role as both guarantors and
buyers of mortgage bonds.
Other details in the monthly report show that Freddie's issuance
of guaranteed securities and pass-through certificates dropped to
$51 billion from $57.7 billion in March.
The mortgage giant's total mortgage portfolio shrank 8.1% in
April to $2.231 trillion.
The duration gap, a measure of the portfolio's sensitivity to
interest rates, averaged zero in April.
-By Prabha Natarajan, Dow Jones Newswires, 201-938-5071;
prabha.natarajan@dowjones.com