The GSEs will accept VantageScore 4.0 on a pilot basis. FHA will follow at a later date, along with plans for the GSEs and FHA to allow for use of FICO 10T.

The main difference in 2026 was that later-stage delinquencies increased.

Ginnie posted a 1.3% quarterly gain in servicing outstanding to $2.726 trillion at the end of March, not including servicing of home-equity conversion mortgages.

The refi share of Ginnie issuance increased to 43.9% in the first quarter of 2026, the highest since the second quarter of 2021.

The recent rise in FHA delinquencies appears to be an artificial effect caused by the new trial payment plans borrowers must complete before loans can be modified, according to research by the Center for Responsible Lending.

Academy Mortgage won an appeal in a case involving attorney's fees associated with a lawsuit filed under the False Claims Act.

Endorsements of FHA home equity conversion mortgages rose 3.2% on an annual basis to $14.17 billion in 2025.

The correspondent channel accounted for 38.0% of government-insured originations in 2025, up from a 34.5% share in 2024.

Some $2.71 trillion of Ginnie servicing was outstanding as of the end of 2025, up 6.8% from 2024.

The $87.67 billion of removals were largely tied to borrower payoffs.