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Inside The GSEs

January 20, 2023

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Depositories Gain Some Share in GSE Servicing

The nonbank share of GSE servicing peaked early in 2022. Later in the year, large banks regained some share. (Includes two data charts.) Read More

FHFA Updates GSE Pricing Framework

The new pricing matrices for Fannie and Freddie may create modest net increases in the cost of a mortgage, but FHFA says that will support more lending for low-income borrowers. Read More

Regulator Slashes Fee on Commingled Securities

Industry protests convinced FHFA to reverse course and almost eliminate the fee Fannie and Freddie charge to guarantee one another’s securities. Read More

GSEs Must Confirm MSR Valuations of Seller/Servicers

Former MBA President David Stevens believes the idea that the GSEs should assess the MSR valuations of their seller/servicers may have come from Fannie and Freddie themselves. Read More

Capital Rule Caps Benefits of Rental Payment History UW

Because the ERCF dictates that Fannie and Freddie base their underwriting on FICO scores, loans to borrowers with positive rent payment history are still subject to capital charges for less creditworthy homebuyers. Read More

SFA: The GSEs’ Social Index Needs Work

Residential MBS investors say that, rather than publish a social index for their MBS, the GSEs should just disclose the data that goes into making that index. Read More

Fannie Gets Back in the CRT Saddle

Spreads on the latest Connecticut Avenue Securities tightened — a sign, perhaps, that Fannie won’t have to pay investors such a high premium to share credit risk. Read More

New Radon Testing Requirements for Multifamily Properties

FHFA expands the radon mitigation responsibilities of Fannie and Freddie, but doesn’t go as far as HUD. Read More

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