62) Over the Past Three Months, How Have the Terms Under Which Agency Rmbs Are Funded Changed?| A. Terms for Average Clients | 4. Collateral Spreads over Relevant Benchmark (Effective Financing Rates). | Answer Type: Tightened Considerably
ALLQ62A4TCNR • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.00
Year-over-Year Change
N/A%
Date Range
10/1/2011 - 1/1/2025
Summary
This economic indicator tracks changes in collateral spreads for Agency Residential Mortgage-Backed Securities (RMBS) funding terms over three months. The metric provides insight into the tightening or loosening of financing conditions in the mortgage-backed securities market.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
The trend measures the spread of collateral rates over benchmark effective financing rates for agency RMBS. Economists use this indicator to assess credit market conditions, lending dynamics, and potential shifts in mortgage financing availability.
Methodology
Data is collected through systematic tracking of mortgage-backed securities funding terms and comparative benchmark rates.
Historical Context
This metric is crucial for understanding credit market conditions, informing monetary policy decisions, and evaluating overall financial market liquidity.
Key Facts
- Indicates tightening of Agency RMBS funding terms
- Reflects changes in mortgage market credit conditions
- Provides insight into financial market liquidity
FAQs
Q: What does a tightened collateral spread indicate?
A: A tightened spread suggests more restrictive lending conditions and potentially higher borrowing costs in the mortgage securities market.
Q: How often is this data updated?
A: Typically, this indicator is updated quarterly to reflect recent changes in mortgage-backed securities funding terms.
Q: Why are Agency RMBS important?
A: Agency RMBS play a crucial role in providing liquidity to the mortgage market and supporting housing finance.
Q: How do collateral spreads impact mortgage rates?
A: Tighter spreads can lead to higher mortgage rates as lenders adjust their pricing to reflect increased funding costs.
Q: What economic factors influence these spreads?
A: Factors include monetary policy, overall economic conditions, credit market sentiment, and Federal Reserve actions.
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Citation
U.S. Federal Reserve, 62) Over the Past Three Months, How Have the Terms Under Which Agency Rmbs Are Funded Changed?| A. Terms for Average Clients | 4. Collateral Spreads over Relevant Benchmark (Effective Financing Rates). | Answer Type: Tightened Considerably [ALLQ62A4TCNR], retrieved from FRED.
Last Checked: 8/1/2025