Since Fannie and Freddie take on credit risk themselves, they charge mortgage originators points, as in percentage points, which vary with a borrower's credit score and the loan-to-value ratio on a property.

由于 Fannie 和 Freddie 自己承担信用风险，他们向抵押贷款发起人收取积分，以百分比计，这随着借款人的信用评分和房产的贷款价值比而变化。