Profits declined at 10 of the 11 FHLBanks in the fourth quarter. Only FHLB Atlanta increased net income during the period. (Includes two data tables.)

Market share of the top-five GSE servicers jumped from 35.1% in the third quarter of 2025 to 40.4% in the fourth. (Includes two data tables.)

The FHLBanks’ decision to voluntarily increase contributions to affordable housing and community development from 10% of net income to 15% has taken a toll on profits. (Includes three data tables.)

Large nonbanks serviced 40.0% of all loans in mortgage-backed securities issued by Fannie Mae and Freddie Mac as of the end of September. (Includes two data tables.)

With Diana Reid taking charge as CEO of Freddie Mac, women now run four of the most important agencies in housing finance.

Although outstanding advances increased slightly in the second quarter, most large banks and thrifts cut FHLBank borrowing from first-quarter levels. (Includes two data tables.)

The Fourth Circuit has ruled that the Truth in Lending Act’s offset provision covers home equity lines of credit accessed via a credit card.

HELOCs can fall under the definition of a "credit card plan"  included in the Truth in Lending Act's offset provision, according to the appeals court.

Although FHLB borrowing declined in the first quarter, with lenders continuing to reduce outstanding advances, profits for the system as a whole were up 9.6% from the fourth quarter and 16.6% year to date. (Includes three data tables.)

Originations of adjustable-rate mortgages stayed flat in the third quarter while total first-lien production declined somewhat. (Includes data table.)