The changes impact mortgages on manufactured homes, the treatment of rental income, undisclosed liabilities and single-closing construction-to-permanent loans.

According to an analysis by a former FHFA economist, GSE market share ranges from 14.5% in Eagle Pass, TX, to 67.0% in Boulder, CO. Except for Puerto Rico, these disparities are widest in the South and Southwest.

Some economists argue that allowing originators to pick between VantageScore 4.0 and Classic FICO will lead to score inflation and lower revenue for the GSEs.

The administration’s firing of FHFA’s acting inspector general comes on the heels of the departure of several GSE executives and news that most of the ethics and internal investigations team at Fannie have been laid off.

Fannie and Freddie see the sun set on the CARES Act; Freddie executes EXPO transaction.

AI and self-service options are increasingly being used to help servicers communicate with younger homeowners.

The trade group said the bureau’s open banking rule is a productive step toward encouraging a consumer-authorized data-sharing system.

Mortgage executives recommend frequent communication and annual in-person meetings to help staff overcome burnout challenges.

Primis Bank, SmartBank, Bank7 and other smaller banks are touting efforts to increase their mortgage lending. Meanwhile, some banks continue to pull back from the sector.

Alerting delinquent borrowers of their home equity might lead some to sell for a profit, avoiding the costs and disruptions incurred by foreclosure, according to industry analysts.