The GSEs will disclose scores from FICO and VantageScore for their mortgage-backed securities, credit risk transfer transactions and other securitization activity.

Some 1.5 million homes were listed for sale as of the end of August.

The effort aims to “address crucial workplace and mission needs by eliminating redundancies, streamlining and increasing flexibility in work processes and consolidating administrative functions.”

Among the 333 banks and thrifts that report mortgage-banking income on call reports, income declined by 6.1% on an annual basis in the first half of 2026.

The decline was driven by refis, as locks for purchase mortgages increased by 6%.

Opendoor is now offering purchase mortgages in 21 states and Washington, DC.

FHFA Director Bill Pulte cited massive price hikes on FICO scores in recent years as the reason for making VS4 widely available through the GSEs.

“Market sentiment was leaning toward a rate hike at the next Fed meeting, but this could give the Fed pause in hiking rates as they look to convene this month,” said Cody Echols, a capital markets technology advisor at Mortgage Capital Trading.

FHFA director Bill Pulte expressed frustration that the credit bureaus haven’t sufficiently engaged in reform talks with FHFA, accusing them of “cartel-like” behavior.

Although investors would own just one listed security, Fannie and Freddie “could maintain separate underwriting, pricing, credit and customer service decisions,” according to Jon Oksenholt, the eponymous founder of Oksenholt Capital Management.