CRT-Eligible Profile Summary

40 © 2024 Fannie Mae FICO 710 700 690 680 Sep-00 Sep-01 730 720 Sep-02 Sep-03 Sep-04 Sep-05 780 770 760 750 740 Sep-06 Sep-07 Sep-08 Sep-09 Sep-10 Sep-11 Sep-12 Total Volume (RHS) Origination Month Purchase FICO Sep 2000 Sep 2023 - Source: Fannie Mae. Origination estimates for aggregate market Total Mortgage Origination Volume and FICO Credit profile typically fluctuates with the origination cycle When origination capacity is tight, credit profile is strongest Lower origination volumes mean lenders have more capacity to underwrite to the full credit box Overall profile is heavily levered to profile of refinancings, as purchase profile is more stable Sep-13 Sep-14 Sep-15 Sep-16 Sep-17 Sep-18 Sep-19 Sep-20 Sep-21 Sep-22 Sep-23 Refi FICO Average FICO $500 $450 $400 $350 $300 $250 $200 $150 $100 $50 $0 Total Volume in Billions 720 FICO 750 745 740 735 730 725 Sep-15 Jan-16 May-16 Sep-16 Jan-17 Total Volume (RHS) 755 770 765 760 May-17 Sep-17 Jan-18 May-18 Sep-18 Jan-19 May-19 Sep-19 Jan-20 May-20 Sep-20 Jan-21 Origination Month Purchase FICO Sep 2015 Sep 2023 Refi FICO Average FICO May-21 Sep-21 Jan-22 May-22 Sep-22 Jan-23 May-23 Sep-23 $600 $500 $400 $300 $200 $100 $0 Total Volume Billions

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