Common Securitization Solutions

At Common Securitization Solutions (CSS), we are at the forefront of revolutionizing the secondary mortgage market through groundbreaking technology. Established as a joint venture between Fannie Mae and Freddie Mac, our core mission is to enhance the efficiency, liquidity, and transparency of housing finance in the United States. We achieve this through the Common Securitization Platform (CSP), the largest and most advanced mortgage securitization platform in the world. This state-of-the-art, cloud-based infrastructure was engineered to be highly scalable and resilient, capable of managing the immense volume and complexity of the U.S. mortgage market. The CSP securely houses and processes critical mortgage-backed securities (MBS) data, including loan-level details, pool information, payoffs, and delinquency status, supporting approximately 70% of the total MBS market.

Our innovation focus is relentless. We continuously leverage cutting-edge technologies to drive progress and deliver unparalleled value to our clients and the housing finance system. The CSP is a testament to this, built entirely on cloud technology to adapt to real-time market changes and ensure the seamless issuance of the Uniform Mortgage-Backed Security (UMBS). This unified security, made possible by our platform, has been a pivotal development in increasing the liquidity and stability of the market. We utilize a sophisticated tech stack, including AWS for robust cloud infrastructure, to power our platform. By embracing technologies like AWS PrivateLink, Amazon S3 Replication, and developing an Active/Active architecture, we have achieved industry-critical resiliency, guaranteeing data delivery with zero loss and optimizing costs. Our commitment to technological advancement extends to our data analytics capabilities, where we employ tools like Amazon QuickSight to provide near real-time reporting and actionable insights, empowering our partners and stakeholders to make informed decisions. As of mid-2025, the company has also begun operating under the name U.S. Financial Technology, LLC, to better reflect its role in providing advanced technology solutions.