“Agency MBS investors continue to express a desire for additional loan-level data,” SFA wrote to FHFA regarding disclosures of credit scores used for originating mortgages.

The Structured Finance Association says the GSEs should be able to accept multiple credit scores on a single application and disclose that information to MBS investors.

The strategies Fannie Mae and Freddie Mac use to manage their retained mortgage portfolios appeared to converge in the second quarter. (Includes data table.)

Urban Institute researchers believe credit score gaming by lenders will raise scores for 44% of borrowers. Officials at FICO claim shopping appears to be occurring now that the GSEs accept VantageScore.

New business grew at both enterprises despite an across-the-board decrease in refinance loan acquisitions.

The National Community Reinvestment Coalition, an advocacy group representing more than 750 community organizations, said FHFA “must improve the rigor of its proposed rule so it can accurately measure the GSEs’ activities in underserved markets and encourage an increase in those activities.”

Last week, the House Subcommittee on Housing and Insurance held its first hearing on the Federal Home Loan Banks since 2011, and there were several suggestions for reform.

Critics say that, by eliminating “prescribed activities,” FHFA has taken the teeth out of the DTS rule, making it difficult to enforce.

Policies published by Fannie Mae in December allow ADUs to be treated like other home features or improvements.