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Inside The GSEs

March 3, 2023

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Larger GSE Sellers Lose Market Share as February Deliveries Plunge

Relative standing among the top GSE sellers depended on how slow deliveries fell rather than how fast they rose. (Includes two data charts.) Read More

FHFA Proposes Revisions to GSE Capital Rule

The GSEs’ regulator has backtracked on its controversial rules for commingled securities. Read More

Falling Home Prices Tank GSE Profits in 2022

Almost all of the decline in combined GSE profits was due to a spike in loan-loss provisions. But while Fannie’s provisions continued to grow in the fourth quarter, Freddie’s may have peaked in the third quarter. (Includes data chart.) Read More

Little Impact on GSE Business Expected from FHA Premium Cut

Will lower FHA premiums steal market share from the GSEs? According to analysts, private mortgage insurer pricing still makes the GSEs the better execution for borrowers with credit scores over 680. But private MIs are still nervous. Read More

Fannie De-emphasizes Appraisals

The mortgage giant has introduced new valuation options as it moves away from the policy that “appraisal is a default requirement.” Read More

Implementing FICO 10T and VantageScore 4.0 Will Be Hard

Deciding whether the GSEs should use FICO or VantageScore or both turned out to be the easy part. The hard part is going to be the multiyear process of figuring out how to use the scores together. Read More

FHFA Schedules More Discussions as Part of FHLBank Review

FHFA plans to host nine roundtable discussions and a three-day listening session as part of its review of the Federal Home Loan Banks. Read More

GSEs Forward $545 Million to HTF and CMF

In a sign of how much business declined at Fannie and Freddie last year, their contributions to the two affordable housing programs are off 50% from 2022. Read More

Freddie Names New Head of Single-Family Acquisitions

Sonu Mittal, who joins the enterprise from the C-suite at Citizens, will be a member of Freddie’s senior operating committee. Read More

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