66) Over the Past Three Months, How Have the Terms Under Which Non-Agency RMBS Are Funded Changed?| A. Terms for Average Clients | 4. Collateral Spreads Over Relevant Benchmark (Effective Financing Rates). | Answer Type: Tightened Somewhat
SFQ66A4TSNR • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.00
Year-over-Year Change
-50.00%
Date Range
10/1/2011 - 4/1/2025
Summary
Monitors collateral spreads for average clients in non-agency residential mortgage-backed securities market. Provides critical insights into lending risk and market conditions.
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
This indicator tracks changes in effective financing rates and collateral spreads for average RMBS market participants. It reveals lending environment dynamics.
Methodology
Quarterly survey collecting data from financial institutions about lending terms.
Historical Context
Critical for understanding credit market accessibility and risk pricing.
Key Facts
- Focuses on average client lending terms
- Quarterly updated market indicator
- Reflects broader lending environment
FAQs
Q: What are collateral spreads?
A: Difference between collateral value and effective financing rates in mortgage markets.
Q: Why track average client lending terms?
A: Provides comprehensive view of overall credit market accessibility and risk.
Q: How do collateral spreads impact lending?
A: Wider spreads indicate higher perceived risk and potentially more restrictive lending conditions.
Q: Who benefits from this data?
A: Economists, investors, and financial institutions use it to assess market conditions.
Q: What does 'tightened somewhat' mean?
A: Indicates modest increase in lending restrictions for average market participants.
Related Trends
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74) Over the Past Three Months, How Have the Terms Under Which Consumer Abs (for Example, Backed by Credit Card Receivables or Auto Loans) Are Funded Changed?| B. Terms for Most Favored Clients, as a Consequence of Breadth, Duration And/or Extent of Relationship | 4. Collateral Spreads over Relevant Benchmark (Effective Financing Rates). | Answer Type: Tightened Considerably
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39) Over the Past Three Months, How Has the Volume of Mark and Collateral Disputes with Clients of Each of the Following Types Changed?| G. Nonfinancial Corporations. | Answer Type: Increased Somewhat
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51) Over the Past Three Months, How Has the Duration and Persistence of Mark and Collateral Disputes Relating to Contracts of Each of the Following Types Changed?| A. Fx. | Answer Type: Increased Considerably
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70) Over the Past Three Months, How Have the Terms Under Which Cmbs Are Funded Changed?| A. Terms for Average Clients | 4. Collateral Spreads over Relevant Benchmark (Effective Financing Rates). | Answer Type: Eased Considerably
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52) Over the Past Three Months, How Have the Terms Under Which High-Grade Corporate Bonds Are Funded Changed?| B. Terms for Most Favored Clients, as a Consequence of Breadth, Duration And/or Extent of Relationship | 2. Maximum Maturity. | Answer Type: Eased Somewhat
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Citation
U.S. Federal Reserve, Non-Agency RMBS Collateral Spreads (SFQ66A4TSNR), retrieved from FRED.