Risk characteristics of top 50 sellers to the GSEs. Data provided for each lender includes: total volume as well as percentage of volume by loan-to-value ratio in three FICO bands. Loan-to-value buckets are 0-60, 61-80, and 81-97. FICO bands are 620-699, 700-739 and 740+. Data also presented by lender for purchase and refinance breakouts.