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Inside The GSEs

January 9, 2026

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Rocket/Mr. Cooper Top UWM With GSE Deliveries

As a merged company, Rocket Mortgage and Mr. Cooper delivered more mortgages to Fannie Mae and Freddie Mac than any other company during the fourth quarter of 2025. Read More

Trump Orders GSEs to Boost MBS Investments

The president wants Fannie and Freddie to buy $200 billion in agency MBS to lower interest rates and reduce the cost of buying a home. Initial reaction from MBS analysts was mixed. Read More

FHFA Finalizes Reduction in Affordable Housing Requirements

Housing advocates say the new, lower benchmarks generally favor middle- and working-class borrowers at the expense low-income and very low-income borrowers. Read More

Profitability Gap on G-Fees Negative in 2024

A negative profitability gap means the guarantee fees on newly acquired loans weren’t enough to cover the expected cost of guaranteeing the loans and earning the expected return on capital. Read More

GAO Report Gives FHLBanks Positive Assessment

Researchers tell Congress that, despite the role the FHLBanks played in the bank failures of 2023, a higher level of FHLBank borrowing has historically been associated with positive outcomes for members. Read More

Fannie Explains UAD 3.6 Appraisal Changes

Although FHFA, under Director Bill Pulte, has shied away from the green and climate priorities of prior administrations, UAD 3.6 still allows green and energy efficiency features to impact valuations. Read More

OIG Report Details 2023 Spike in Multifamily Fraud

Between 2022 and 2024, Fannie’s open multifamily fraud investigations spiked from 14 to 193. In the same interval, actual fraud findings went from 3 to 87. Read More

Freddie Strengthens Sponsor Underwriting for Multifamily

Freddie is revising its liquidity verification documentation requirements for sponsors to include a liquidity verification worksheet with delivery of the full underwriting package. Read More

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