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UI Urges Expanded Membership for FHLBanks

August 15, 2024
Dennis Hollier
Although nonbank advocates have long argued for FHLBank membership, new proposals from the Urban Institute address key challenges.
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GSE Profits Slow to Respond to Market Improvement

August 1, 2024
Dennis Hollier
Second-quarter acquisitions increased at the government-sponsored enterprises, but profits remained stable as credit reserves shifted.
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Economic Outlook for the Mortgage Industry

July 25, 2024
Dennis Hollier
Economists still differ in their forecasts about how many times the Fed will cut rates this year and what that means for mortgage originations.
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Historical VantageScore 4.0 Data to Help With GSE Shift

July 18, 2024
Dennis Hollier
The new data will help lenders determine the impact of the upcoming shift from a tri-merge credit reporting process to a bi-merge model.
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Fannie Mae Survey Reveals Mortgage Misconceptions

July 18, 2024
James Dohnert
A new Fannie Mae study finds that consumers think mortgage underwriting requirements are more stringent than they truly are.
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Grapevine: Treasury Title Insurance Meeting; Multifamily Issues

July 18, 2024
Brandon Ivey
Treasury office considers reforms for title insurance; FHFA sets tenant protections for GSE multifamily borrowers; Biden administration calls for rent control; two states slow on index change.
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More Frequent Floods Increase Federal Mortgage Subsidy

July 12, 2024
Dennis Hollier
Researchers find that the climate-related increase in flood damage will boost the cost of subsidizing federal mortgage programs by 44% over the next 30 years. That doesn’t include the costs to homeowners, lenders, insurers or MBS investors.
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Freddie Gets Approval for Closed-End Seconds Pilot

June 27, 2024
Dennis Hollier
The Federal Housing Finance Agency’s approval of the controversial pilot program comes with several conditions that limit the size and scope of Freddie’s second-lien purchases.
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Biden Administration Takes Steps on Affordable Housing

June 27, 2024
Dennis Hollier and Monica Hogan
The Treasury Department announced $100 million in affordable housing funding, while HUD named recipients of its Pathways to Removing Obstacles to Housing grant competition.
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Disaggregating Ethnic Data Could Improve GSEs’ EHFPs

June 20, 2024
Dennis Hollier
Homeownership rates and household incomes differ dramatically within the AANHPI demographic. Some 65% of Filipino-Americans own their home while just 44% of Tongan-Americans do.
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