It couldn't possibly be that those borrowers were a higher credit risk and therefore received higher rates, because they didn't qualify for the lower rates. I.E. poor credit, high LTV ratios, etc.
There will be no change to the divi until the next stress test in 2016. That said you can expect some significant analyst upgrades coming over the next several weeks/months which will IMO push it well past 60.
Sentiment: Strong Buy