FHA loans used to be more popular, but they were eclipsed by easier-to-obtain subprime products. Their market share fell from 18 percent of all home loans in 1990 to less than 4 percent by 2006, according to the National Association of ...

The Explanation of Mortgages : From the beginning of time......
Your Ginnie Mae pool is for FHA loans which are backed by the government. The other two are for conventional usage. These pools are based on default risk which is credit risk and interest rate exposure. There is another risk that is ...