ly 2%; those originated by Ameriquest, Lehman Brothers, Morgan Stanley, New Century and WMC Mortgage had EPD rates of 3-4%; and those originated by Fremont General had EPD rates 35 EFTA00316763 Case 1:08-cv-02793-RWS Document 102 Filed 02/27/09 Page 51 of 347 higher than 5%. See Moody's Investors Service,