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Inside The GSEs

May 23, 2025

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Trump Says He Might End Conservatorship; Now What?

President Trump said he’s seriously considering letting Fannie Mae and Freddie Mac go public. Industry participants are now waiting for specific details. Read More

FHLB Advances, Profits Decline in First Quarter

The FHLBanks’ decision to voluntarily increase contributions to affordable housing and community development from 10% of net income to 15% has taken a toll on profits. (Includes three data tables.) Read More

Pulte Supports Thompson Credit Score Policy

FHFA Director Bill Pulte criticized recent cost increases by FICO and indicated he’ll continue the move from Classic FICO to a combination of FICO 10T and VantageScore 4.0. Read More

GSEs Adjust Message for the Pulte Era

Speaking at the MBA’s secondary and capital markets conference this week, Fannie and Freddie executives appeared to tailor their remarks to address the priorities of the new FHFA director. Read More

Trump Admin Shifts Plans With McKernan at Treasury

If confirmed as Treasury’s head of domestic finance, Jonathan McKernan could have a say in whether the GSEs are released from conservatorship. If so, he may have to renounce an FHFA rule created when he was senior counsel at the agency. Read More

Freddie Says Updated LPA to Reduce Origination Costs

At the urging of FHFA Director Bill Pulte, Freddie is accelerating its release of “on hold” technologies that may help cut origination costs. Read More

GSEs Implement New Area Median Income Levels

Fannie’s Desktop Underwriter and Freddie’s Loan Product Advisor were both updated to include FHFA’s 2025 area median income figures. The changes affect eligibility for duty-to-serve and affordable housing programs. Read More

Lenders Accept Above-Market Pricing from GSEs

Using HMDA data, an academic researcher shows that the guarantee fees charged by the GSEs are above-market rate based on risk-adjusted profits. Read More

GSE Roundup

Fannie announces tender offer; Freddie prices SLST securitization; winners announced for Fannie NPL sale. Read More

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