New rep and warrant relief at Fannie; ADUs for manufactured homes at Freddie.

VantageScore said adding positive rent reporting as an input it its scoring model would help nearly four million renters achieve a VantageScore of at least 620.

Holdings of both mortgage-backed securities and mortgages increased during the third quarter.

The concept of reducing Fannie Mae/Freddie Mac LLPAs on second homes and cash-out refis is being pushed by Barry Habib, a principal in MBS Highway, who was named to Fannie’s board this summer.

David Spector, chairman and CEO of Pennymac Mortgage Investment Trust, said execution in the non-agency market is currently superior to delivering the loans to the GSEs.

The total delinquency rate on FHA loans in Ginnie MBS hit 10.90% at the end of September, up 51 bps from the end of June.

The spec-pool share of new GSE MBS issuance hit 47.3% in the third quarter.

If Fannie capital had been at mandated levels, the enterprise would have had an annualized ROE of 10.3% in the third quarter.

The LLPA change, if it comes, would only apply to mortgages on second homes and cash-out refinances.

The FHFA chief urged investors to review the GSEs’ SEC filings to understand the risks involved.