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Inside The GSEs

July 12, 2024

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Large Lenders Increase GSE Sales in Second Quarter

Nearly all of the top 30 GSE sellers managed to increase deliveries to the enterprises in the second quarter, helping drive a 33.1% sequential bump in sales. Even so, year-to-date deliveries were down slightly. (Includes two data tables.) Read More

Debate Continues Over Freddie Second-Lien Pilot

Supporters of the program say the expanded use of second mortgages is a less costly way for homeowners to access their home equity when interest rates are high. But they worry about the pilot’s restrictions. Read More

FHFA Adds Five Proposed Rules to its Regulatory Agenda

Two of the new proposed rules are directed at Fannie Mae and Freddie Mac. The other three relate to the Federal Home Loan Banks. Read More

GSEs Release Historical VantageScore 4.0 Data

The data release is a critical step in the enterprises’ long-awaited and controversial transition to a new credit score model. Read More

FHFA Strengthens GSEs' Loss Reporting Requirements

A new advisory bulletin from FHFA spells out how the enterprises must respond to a “high-severity operational loss event.” Read More

A New Twist in the AOL Debate

Ironically, providers of attorney opinion letters — an alternative to title insurance — may need insurance to compete with title insurers. Read More

Fannie Touts Success of Social MBS

Researchers say Fannie’s new social index serves as a successful spec pool story, generating meaningful pay-ups for social bonds that can help subsidize mission-related activities. Read More

GSEs to Require Tenant Protections for Multifamily Properties

Despite thousands of responses to its RFI, FHFA has settled on a list of protections that is unlikely to make tenants feel much safer. Read More

Another FHLBank Adopts VantageScore 4.0

The FHLBank of Chicago followed the FHLBank of San Francisco in accepting mortgage collateral that uses the new credit score model. Read More

Fannie to Get a ‘New’ Head of Fair Lending

Patrice Ficklin is leaving the CFPB to return to Fannie after a 15-year absence. Read More

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