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Inside The GSEs

October 4, 2024

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Smaller Lenders Ride GSE Market Uptick in Third Quarter

Nonbanks of all sizes, except for HFAs, lost market share to all types of depositories. Even so, the rankings of the top 10 GSE sellers barely changed in the third quarter. (Includes two data tables.) Read More

FHFA Re-Proposes Rule on Suspended Counterparty Program

Industry players had raised concerns that the original proposal would have been too broad and included misconduct that didn’t affect safety and soundness. Read More

More Stakeholder Comment on FHLB Mission

Newly published comment letters show that housing and community advocacy groups support FHFA’s plan to use member incentive programs to encourage more mission-oriented lending by the FHLBanks. Read More

Banks Raise Concerns About FHFA’s FHLBank Moves

Trade groups representing banks are unhappy with some of the changes FHFA is making to Federal Home Loan Bank practices. Read More

Risk and the Move to More Inclusive Credit Scores

Researchers compared the performance of borrowers with a credit score from FICO 10 T with previously unscoreable borrowers who are given a score based solely on traditional credit bureau data. Read More

FHFA to Ease Rules on Interest-Bearing Deposit Accounts

Because deposits at the Federal Reserve don’t earn interest, FHLBanks’ use of IBDAs at large banks with high credit has expanded over the last few years. FHFA wants to give those deposits a capital treatment equivalent to that given to overnight Fed funds sales. Read More

GSEs Update Flex Modification Terms

The GSEs will expand eligibility for loan modifications by revising mark-to-market LTV ratio-based requirements and using a step-by-step process until the borrower’s P&I payment is reduced by 20%. Read More

The Ups and Downs of Rural Appraisals

The GSEs may not purchase mortgages for working farms or ranches, but they do buy mortgages for residential property in rural settings — even if they have some agricultural characteristics. Read More

Former Freddie DEI Exec Finds a New Home

Lora McCray joins the American Bankers Association. Read More

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As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?

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