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Inside The GSEs

February 3, 2023

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GSE Deliveries Reach New Lows in January

In January, lenders delivered 73.1% fewer mortgages to the GSEs than a year ago, but the month-over-month drop was just 4.5% from December. (Includes two data charts.) Read More

DTI in the New Pricing Grids Proves Controversial

Uncertainty caused by regulations and the complexity of calculating income and debt make DTI a poor metric to use in pricing a loan without the risk of lenders having to eat a new fee. Read More

GSEs Clear the Air on Repurchases

The heads of quality control at Fannie Mae and Freddie Mac describe the causes and treatment of defects. The percentage of repurchases has remained stable at Fannie, but is elevated at Freddie. Read More

FHLB San Francisco’s Brush with the FTX Debacle

Digital assets specialist Silvergate Bank bolstered its liquidity with an FHLB advance after the implosion of crypto king FTX caused a run on the bank's deposits in the fourth quarter. Read More

Advocates Challenge GSEs’ Sale of NPLs and RPLs

NCLC attorneys claim the bulk sale of seasoned loans allows buyers to circumvent the GSEs’ loss-mitigation programs. That adds up to more borrowers unable to stay in their home. Read More

Lenders Bristle Over FICO’s Lingering Monopoly

Despite FHFA’s decision to require that lenders provide both a VantageScore 4.0 and a FICO 10T credit score, it may be years before the market can implement the new scores. Read More

FHFA Still Has Problems Safely Disposing of Electronic Media

OIG says the agency’s procedures for disposing of old hard drives and other electronic media still need work to make sure confidential data doesn’t get into the wrong hands. Read More

Freddie Adds More Diversity to CRT Programs

Minority-owned Protecdiv will partner with insurance giant Aon in credit insurance risk-transfer transactions. The collaboration gives the small re-insurer the scale to work with large institutions. Read More

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