FOIA documents reveal that in 2022 Fannie and Freddie business assessments determined that a single-bureau credit report would be inferior to either a tri-merge or a bi-merge.

Newly coordinated standards at the GSEs make it easier for certain factory-built homes to receive site-built financing.

The trade group argues that a likely shift to a single-bureau credit pull may not actually lower rates and could add risk to the system.