Profits declined at 10 of the 11 FHLBanks in the fourth quarter. Only FHLB Atlanta increased net income during the period. (Includes three data tables.)

Analysts are increasingly skeptical that the Trump administration will follow through on plans to recapitalize and release the GSEs. Some seek broader reform.

New directives would improve collateral transfers between FHLBank members and the Federal Reserve and improve access to longer-term advances.

Although neither housing EO released last week by President Trump mentions them by name, it’s clear Fannie Mae and Freddie Mac will have a hand in implementing the proposed policy changes.

In today’s gig economy, sometimes the hardest job for a lender is figuring out how to calculate a borrower’s income.

FHFA greenlights the use of actual cash value insurance to cover the roofs of condos; all other elements of the project will still require replacement value policies, though.

What the GSEs are worth to the federal government; new MBS disclosures; former Freddie VP resurfaces at the helm of nonprofit.

Lower credit scores lead to both stiffer mortgage rates and higher home insurance premiums, adding to the affordability challenge, according to new finding.

“The risk,” said Mario Ichaso, a trading desk strategist at Wells Fargo, “is that stagflation becomes the common, more dominating view, and mortgage spreads could widen in that situation.”

Since the Iran war started, interest rates have returned to where they were when President Trump directed the GSEs to purchase $200 billion in MBS and most analysts say GSE reform is now off the table.