https://www.insidemortgagefinance.com/rss en-us bivey@imfpubs.com There’s the LLPA reduction for VS4, lower prices compared with FICO and a more expansive population of scored consumers. http://www.insidemortgagefinance.com/articles/238866 Thu, 22 Oct 2026 11:58:43 -0400 https://www.insidemortgagefinance.com/articles/238866-lenders-have-strong-incentives-to-use-vantagescore bivey@imfpubs.com The president is getting more assertive in using the GSEs to achieve political and policy objectives, according to Jaret Seiberg, an analyst at TD Cowen Washington Research Group. http://www.insidemortgagefinance.com/articles/238854 Thu, 22 Oct 2026 11:55:44 -0400 https://www.insidemortgagefinance.com/articles/238854-trump-admin-seeing-gses-as-useful-tool-for-affordability sclark@imfpubs.com GSE shareholders are moving closer to an $812 million payout after the DC Circuit Court declined to rehear Fairholme Funds v. FHFA. Fairholme Funds v. FHFA.]]> http://www.insidemortgagefinance.com/articles/238867 Thu, 22 Oct 2026 11:51:49 -0400 https://www.insidemortgagefinance.com/articles/238867-appeals-court-denies-fhfa-request-for-fairholme-rehearing dhollier@imfpubs.com Freddie Mac’s Sonu Mittal and Fannie Mae’s Jake Williamson detailed the GSEs’ challenges and successes in a deeply troubled mortgage market. http://www.insidemortgagefinance.com/articles/238798 Fri, 16 Oct 2026 15:20:48 -0400 https://www.insidemortgagefinance.com/articles/238798-gses-talk-strategy dhollier@imfpubs.com Balance-sheet normalization at the Fed leads to spread widening, but with a significant lag and focused on premium coupons. http://www.insidemortgagefinance.com/articles/238799 Thu, 15 Oct 2026 15:06:34 -0400 https://www.insidemortgagefinance.com/articles/238799-estimating-the-impact-of-the-feds-mbs-runoff-on-spreads dhollier@imfpubs.com Fannie/Freddie executives say UAD 3.6 extensions were offered in response to industry feedback, with just 10% of current flow using the new data standards. http://www.insidemortgagefinance.com/articles/238805 Thu, 15 Oct 2026 11:50:14 -0400 https://www.insidemortgagefinance.com/articles/238805-gses-explain-grace-period-for-uad-32 dhollier@imfpubs.com FHFA Director Bill Pulte was expected to announce a shift to the bi-merge at the MBA’s conference this week. He ended up skipping the event to join President Trump on the campaign trail. http://www.insidemortgagefinance.com/articles/238793 Thu, 15 Oct 2026 11:47:17 -0400 https://www.insidemortgagefinance.com/articles/238793-no-pulte-announcement-on-tri-merge dhollier@imfpubs.com Industry participants are split on the pros and cons of allowing lenders to pull scores from just two credit reporting agencies. http://www.insidemortgagefinance.com/articles/238743 Thu, 08 Oct 2026 11:58:00 -0400 https://www.insidemortgagefinance.com/articles/238743-will-the-tri-merge-finally-end bivey@imfpubs.com Large lenders are flocking to deploy VantageScore 4.0, but others are being more cautious due to shifting GSE guidelines. There’s also uncertainty for investors in MBS and MSRs. http://www.insidemortgagefinance.com/articles/238736 Thu, 08 Oct 2026 11:57:02 -0400 https://www.insidemortgagefinance.com/articles/238736-mortgage-industry-faces-uncertainty-with-vs4-adoption dhollier@imfpubs.com The sharp decline in home price appreciation makes it possible that lenders’ early-bird loan limits for 2027 will come in above the 2026 conforming loan limits. http://www.insidemortgagefinance.com/articles/238749 Thu, 08 Oct 2026 11:53:12 -0400 https://www.insidemortgagefinance.com/articles/238749-pmis-await-updated-conforming-loan-limits dhollier@imfpubs.com Critics argue that applying the same LLPA pricing grids to VS4 and Classic FICO will camouflage, but not eliminate, the added credit risk associated with the typically higher VS4 score. http://www.insidemortgagefinance.com/articles/238669 Thu, 01 Oct 2026 11:49:26 -0400 https://www.insidemortgagefinance.com/articles/238669-pulte-abandons-dual-llpa-grids-for-credit-scores dhollier@imfpubs.com There will soon be five separate credit scores applicable to mortgages, with varied ranges and outputs. (Includes data table.) http://www.insidemortgagefinance.com/articles/238683 Thu, 01 Oct 2026 11:42:38 -0400 https://www.insidemortgagefinance.com/articles/238683-how-to-compare-a-bumper-crop-of-credit-scores dhollier@imfpubs.com Lenders expect confusion if the GSEs haven’t implemented FICO 10T before FHA allows for use of the score in January. http://www.insidemortgagefinance.com/articles/238611 Thu, 24 Sep 2026 11:57:19 -0400 https://www.insidemortgagefinance.com/articles/238611-fha-leapfrogs-gse-credit-score-timeline dhollier@imfpubs.com The FHFA director’s predilection for conducting official business on X provides housing-finance advocates a unique opportunity to lobby him directly. http://www.insidemortgagefinance.com/articles/238538 Thu, 17 Sep 2026 11:14:49 -0400 https://www.insidemortgagefinance.com/articles/238538-trades-use-social-media-to-reach-pulte dhollier@imfpubs.com VantageScore 4.0 is now available to all Fannie Mae and Freddie Mac sellers. And FHFA Director Bill Pulte is pondering ending the tri-merge standard. http://www.insidemortgagefinance.com/articles/238487 Thu, 10 Sep 2026 11:57:34 -0400 https://www.insidemortgagefinance.com/articles/238487-fico-monopoly-comes-to-an-end dhollier@imfpubs.com Fannie Mae has reportedly fired 10 senior executives, including senior vice presidents Mark Palim and Devang Doshi. http://www.insidemortgagefinance.com/articles/238369 Thu, 27 Aug 2026 11:51:01 -0400 https://www.insidemortgagefinance.com/articles/238369-keeping-up-with-pulte dhollier@imfpubs.com Trade groups agree that the reputational harm provision of the suspended counterparty program regulation is redundant. http://www.insidemortgagefinance.com/articles/238304 Thu, 20 Aug 2026 11:56:13 -0400 https://www.insidemortgagefinance.com/articles/238304-industry-backs-fhfas-scp-rule-changes dhollier@imfpubs.com New PMIERs tables assigning risk factors to loans based on credit scores and LTV ratios strongly resemble the GSEs’ LLPA tables. http://www.insidemortgagefinance.com/articles/238264 Thu, 13 Aug 2026 11:12:47 -0400 https://www.insidemortgagefinance.com/articles/238264-pmiers-update-compares-relative-risks-of-vantagescore-40-and-classic-fico jdohnert@imfpubs.com More homebuyers are being forced to bring more cash, renegotiate the sale price or restructure their mortgage. http://www.insidemortgagefinance.com/articles/238246 Thu, 13 Aug 2026 11:07:56 -0400 https://www.insidemortgagefinance.com/articles/238246-increasing-appraisal-gaps-leads-to-a-rise-in-loan-restructuring dhollier@imfpubs.com The Trump administration continues to pressure homebuilders to address affordability by focusing more on first-time homebuyers. http://www.insidemortgagefinance.com/articles/238255 Thu, 13 Aug 2026 11:06:00 -0400 https://www.insidemortgagefinance.com/articles/238255-pulte-threatens-homebuilders-again dhollier@imfpubs.com Urban Institute researchers believe credit score gaming by lenders will raise scores for 44% of borrowers. Officials at FICO claim shopping appears to be occurring now that the GSEs accept VantageScore. http://www.insidemortgagefinance.com/articles/238173 Thu, 06 Aug 2026 11:50:29 -0400 https://www.insidemortgagefinance.com/articles/238173-credit-score-shopping-is-it-a-thing dhollier@imfpubs.com New business grew at both enterprises despite an across-the-board decrease in refinance loan acquisitions. http://www.insidemortgagefinance.com/articles/238172 Thu, 06 Aug 2026 11:44:39 -0400 https://www.insidemortgagefinance.com/articles/238172-gse-purchase-volume-sustains-profits dhollier@imfpubs.com Construction loans may be too risky for the GSEs to purchase at scale, but Fannie has other products that help increase and preserve supply. http://www.insidemortgagefinance.com/articles/238040 Fri, 24 Jul 2026 15:55:22 -0400 https://www.insidemortgagefinance.com/articles/238040-fannies-supply-problem-strategies dhollier@imfpubs.com MBS disclosures show that, from April to June, VantageScore 4.0 has only been used to qualify roughly $579 million in mortgages in Fannie Mae or Freddie Mac pools. http://www.insidemortgagefinance.com/articles/238051 Thu, 23 Jul 2026 12:06:00 -0400 https://www.insidemortgagefinance.com/articles/238051-vantagescore-40-uptake-still-scant bivey@imfpubs.com Equifax CEO dismisses concerns about lenders gaming the GSEs’ underwriting standards; Fannie’s home price survey marches on. http://www.insidemortgagefinance.com/articles/238060 Thu, 23 Jul 2026 12:00:15 -0400 https://www.insidemortgagefinance.com/articles/238060-grapevine-no-incentive-to-game-scores-fannie-still-surveying-economists dhollier@imfpubs.com Historic data appear to show that FICO 10T credit scores are slightly more accurate than VantageScore 4.0 at predicting defaults. http://www.insidemortgagefinance.com/articles/237990 Thu, 16 Jul 2026 11:12:22 -0400 https://www.insidemortgagefinance.com/articles/237990-comparing-fico-10t-to-vantagescore-40 bivey@imfpubs.com President Trump has until July 10 to take action on housing bill; GSEs release data on FICO 10T; CFPB seeks feedback on mortgage disclosures and borrowers’ right of rescission; interest rate outlook. http://www.insidemortgagefinance.com/articles/237938 Thu, 09 Jul 2026 12:00:55 -0400 https://www.insidemortgagefinance.com/articles/237938-grapevine-housing-bill-still-in-limbo-credit-scoring-model-developments dhollier@imfpubs.com Demographic shifts mean demand is falling. Meanwhile supply is increasing, raising the potential for falling home prices and fewer originations. http://www.insidemortgagefinance.com/articles/237825 Thu, 25 Jun 2026 11:51:47 -0400 https://www.insidemortgagefinance.com/articles/237825-the-coming-housing-glut dhollier@imfpubs.com The FHFA director told homebuilders that Fannie Mae and Freddie Mac probably won’t play a big role in construction finance, but the Federal Home Loan Banks may expand their participation in the sector. http://www.insidemortgagefinance.com/articles/237762 Thu, 18 Jun 2026 09:08:00 -0400 https://www.insidemortgagefinance.com/articles/237762-despite-dni-gig-pulte-still-making-fhfa-plans dhollier@imfpubs.com The Broker Action Coalition says that if the borrower pays for a credit report, they should own it, a concept it believes could significantly reduce closing costs. http://www.insidemortgagefinance.com/articles/237769 Thu, 18 Jun 2026 09:04:00 -0400 https://www.insidemortgagefinance.com/articles/237769-brokers-step-up-push-for-portable-credit-scores