FREDDIE MAC ANNOUNCES TIER ONE PLATINUM AND FIRST-EVER TIER ONE GOLD SERVICERS FOR 2005

84 Servicers Honored for Excellence in Investor Reporting and Default Management

McLean, VA – Freddie Mac (NYSE:FRE) today announced that 84 single-family mortgage servicers achieved Tier One Platinum or Tier One Gold performance rankings for superior investor reporting and default management during 2005. The company also inducted 15 servicers into its Tier One Hall of Fame for achieving Tier One status for four consecutive years. Freddie Mac is one of the nation's largest investors in residential mortgages.

"Last year our industry faced exceptional challenges, such as Hurricanes Katrina and Rita.  Yet these servicers consistently achieved remarkable results through hard work, persistence and a commitment to excellence,"said Janet Eakes, senior vice president of mortgage operations for Freddie Mac. "Their superior performance helped thousands of borrowers avoid foreclosure while enabling their companies to achieve terrific levels of efficiency."

Freddie Mac ranks its servicers against monthly performance benchmarks for investor reporting, minimizing credit losses, and helping delinquent borrowers avoid foreclosure. Tier One Platinum rankings are given to larger servicers for at least two quarters of Tier One (superior) performance in a year, while Gold Servicers are smaller lenders who achieve a Tier One rating in Investor Reporting for two quarters in a calendar year, a Tier One rating in Default Management based on an averaged annual calculation, and maintain on average at least one seriously delinquent loan per month.

Both Tier One Platinum and Tier One Gold servicers receive a range of financial and professional rewards plus national recognition. Servicers who sustain Tier One Gold and/or Tier One Platinum status for four consecutive years with no material foreclosure timeline penalties are inducted into Freddie Mac's Hall of Fame and receive additional incentives.

Altogether the Tier One recipients serviced approximately 75 percent of Freddie Mac's 10.4-million loan portfolio in 2005.

2005 Tier One Platinum Servicers

The 2005 Tier One Platinum recipients are: Arvest Mortgage Company; Bank of America Consumer Real Estate; Bank of Oklahoma, N.A.; Cenlar FSB; Central National Bank; Chase Home Finance LLC; Chevy Chase Bank, FSB; CitiMortgage, Inc.; Colonial Savings, F.A.; Countrywide Home Loans, Inc.; Doral Financial Corporation; EverHome Mortgage Company; Fidelity Bank; Fifth Third Bank; First Federal Savings Bank; First Horizon Home Loan Corporation; Flagstar Bank, FSB; GMAC Mortgage Corporation; HSBC Mortgage Corporation (USA); IndyMac Bank, FSB; Johnson Bank; M&T Mortgage Corp.; National City Mortgage Co.; PHH Mortgage Corporation; Provident Funding Associates; R-G Crown Bank; R-G Mortgage Corporation; Sovereign Bank; SunTrust Mortgage, Inc.; U.S. Bank Home Mortgage; Washington Mutual Bank and Wells Fargo Home Mortgage.

Tier One Gold Servicers

The 2005 Tier One Gold Servicers include: 1st 2nd Mortgage Company of NJ, Inc.; 1st Bank Oklahoma; 66 Federal Credit Union; Acuity Bank; Allegacy Federal Credit Union; AMCORE Mortgage, Inc.; Ameriana Bank and Trust, S.B.; Arthur State Bank; Astoria Federal Savings and Loan Association; Bryn Mawr Trust Company; Busey Bank; Dovenmuehle Mortgage, Inc.; First Arizona Savings; First Bank and Trust, S.B.; First Citizens National Bank; First Federal Bank, FSB; First National Bank and Trust Company; First National Bank in Olney; First Niagara Bank; Firstbank Corporation; First-Knox National Bank; Five Star Bank; GNB Mortgage Company, Inc.; Harris Trust and Savings Bank; HomeStar Bank; HomeStreet Bank; IB&T Mortgage Company; Independent Bank West Michigan; Inez Deposit Bank; Irwin Mortgage Corporation; Landmark National Bank; M & I Mortgage Corp.; Major Mortgage; Mutual Federal Savings Bank; National Bank; Nationwide Advantage Mortgage Company; NBT Bank N.A.; Park National Bank; Partners Trust Bank; Peninsula Bank; Peoples National Bank; Royal Credit Union; South Central Illinois Mortgage; Soy Capital Bank and Trust Company; State Financial Network, Inc.; Stillman Bancorp, N.A.; The Farmers Bank; The Palmetto Bank; Ulster Savings Bank; Walden Federal Savings Bank; Western State Bank; and Yardville National Bank.

2005 Hall of Fame Inductees

The 2005 Hall of Fame inductees for both Tier One Platinum and Gold servicers include AMCORE Mortgage, Inc.; Bank of America Consumer Real Estate; Chase Home Finance LLC; Chevy Chase Bank, FSB; Colonial Savings, F.A.; Countrywide Home Loans, Inc.; First Horizon Home Loan Corporation; HSBC Mortgage Corporation (USA), M&T Mortgage Corp.; National City Mortgage Co.; PHH Mortgage Corporation, Sovereign Bank; SunTrust Mortgage, Inc.; Ulster Savings Bank, and Wells Fargo Home Mortgage.

Freddie Mac is a stockholder-owned corporation established by Congress in support of homeownership and rental housing. Freddie Mac purchases single-family and multifamily residential mortgages and mortgage-related securities, which it finances primarily by issuing mortgage passthrough securities and debt instruments in the capital markets. Over the years, Freddie Mac has opened doors for one in six homebuyers and more than two million renters in America.

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