Economists' Outlook

Housing stats and analysis from NAR's research experts.

Credit Tight? Fannie and Freddie FICO Scores Are Still High

Freddie Mac


Fannie Mae


• Weighted FICO scores among Fannie and Freddie mortgages have risen substantially.

• In 2005, credit scores for Fannie and Freddie mortgages were near 720. In 2009 and 2010, credit scores averaged around 760. Further, nearly three quarters of the single-family business had credit scores above 740 in 2009 and 2010.

• Low credit mortgages, those below 620, dwindled to 1 percent or less in 2009 and 2010.

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