The 25th percentile credit score among outstanding first liens. The current credit score is the most recently determined commercially available credit score of the primary borrower on the mortgage loan. The credit score provider may vary by FR Y-14M reporting firm and even within the firm's reporting. Only mortgage accounts with credit scores between 150 and 950 are included in the original credit score percentile calculations. For more detail see: methodology.
Federal Reserve Bank of Philadelphia, Large Bank Consumer Mortgage Balances: Current Credit Score: 25th Percentile [RCMFLBSCOREPCT25], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/RCMFLBSCOREPCT25, February 1, 2023.