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Short Takes: CFPB’s Medical Debt Rule Faces Lawsuit / Thompson Stepping Down From FHFA / Phillips Joins Freddie / Better Loses Origination Partner / Mortgage Affordability

January 9, 2025
Brandon Ivey
The CFPB's medical debt rule is facing a lawsuit and Republican leaders in Congress want to overturn the rule.
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GSE Refi Characteristics Shift in Fourth Quarter

January 8, 2025
John Bancroft
The big gains came in high-LTV refinances, which surged to 13.6% of the sample, a 7.05 percentage point increase.
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Similarities in New VantageScore Compared With FICO

January 7, 2025
Dennis Hollier
Despite the similarities in results from the scoring models, there are some major differences in how the scores are constructed.
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The Final Tally: Freddie Tops Fannie in Residential Loan Purchases

January 6, 2025
Dennis Hollier
For the first time in 33 years, Freddie out bought its crosstown rival...
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Biden Admin Revises GSE Preferred Stock Purchase Agreements

January 3, 2025
Dennis Hollier
The revisions establish some ground rules that will apply if Fannie Mae and Freddie Mac are ever released from conservatorship.
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Ackman Predicts IPO for GSEs Under Trump

December 31, 2024
Dennis Hollier
The hedge fund billionaire predicts Treasury will write off its senior preferred shares in the GSEs and exercise its warrants for 80% of their common stock.
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Short Takes: Housing Supply on the Rise / Mortgages in Forbearance Up / Rates Need to Decrease More to Encourage Refi Wave

December 27, 2024
James Dohnert
Housing supply is up 12% year-over-year.
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MBA Calls on Ginnie to Launch EBO Securitization Program

December 26, 2024
James Dohnert
The MBA noted that buyouts are capital intensive and can create liquidity stress for nonbanks, which don’t have large balance sheets to hold nonperforming loans for an extended period.
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FHFA Releases 2025 Scorecard, Wants More Help for FTHBs

December 23, 2024
Dennis Hollier
The new scorecard highlights modest changes in the regulator's priorities for the GSEs.
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FHFA's Housing Goals for GSEs More Lenient

December 20, 2024
Dennis Hollier
Lenders supported the regulator’s decision to lower some of the goals from the 2022-2024 rule.
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