Mortgages tied to Ginnie Mae accounted for 18.3% of total servicing outstanding at the end of September. Some servicing share shifted away from the GSEs, though Fannie and Freddie still dominate. (Includes two data tables.)

While government-insured mortgages are assumable, few assumptions are completed due to various obstacles. GSE mortgages were also assumable until the 1980s, when legal issues prompted a change.

Federal operations that were disrupted during the shutdown are expected to bounce back, helping lenders with loans stuck in their pipelines.

Senate passes the ROAD to Housing Act; layoffs at HUD, CDFI Fund halted; MBA’s annual conference missing some federal officials.

Many efforts started during the Biden administration won’t move forward. But servicing reforms are still in the works at the CFPB. And the bureau is considering major changes to LO comp.

Industry executives believe artificial intelligence can improve risk management and help reduce insurance premiums and property taxes.

The bill is now headed to President Trump’s desk; Frank Cassidy nominated for FHA commissioner.

A new bill seeks to require FHFA to create a public database of information on all mortgage appraisals. The proposal comes as the Trump administration disbanded the Biden-era task force created to address appraisal bias.

The agencies are seeking feedback as they reconsider updated energy codes imposed on new residential construction.

The Mortgage Bankers Association has suggested the FHFA end its tri-merge process, replacing it with a single credit report rather than the bi-merge model as currently planned.