The Mortgage Bankers Association is urging the Federal Housing Finance Agency to incorporate more explicit up-front risk-sharing goals in the soon-to-be released 2016 Scorecard that dictates GSE activities for the year. The MBA touts the advantages of using mortgage insurers, and said in a letter addressed to FHFA Director Mel Watt that the MI approach would be the most accessible for the vast majority of lenders. The trade group emphasized that…