https://www.insidemortgagefinance.com/rss en-us dhollier@imfpubs.com More than two-thirds of the largest GSE sellers saw a sequential decline in deliveries in May, with refi business slowing. But overall volume for the first five months of the year was up 35.7%. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237715 Fri, 12 Jun 2026 16:08:00 -0400 https://www.insidemortgagefinance.com/articles/237715-gse-market-share-wanes-in-may dhollier@imfpubs.com A 50% cap on debt-to-income ratio within Fannie Mae’s Desktop Underwriter acts as an extra-regulatory limit on credit availability, according to researchers at the Federal Reserve Bank of St. Louis. http://www.insidemortgagefinance.com/articles/237702 Fri, 12 Jun 2026 16:07:00 -0400 https://www.insidemortgagefinance.com/articles/237702-fannie-aus-more-restrictive-than-freddies dhollier@imfpubs.com Implementation of UAD 3.6 has proceeded steadily during broad production, with mandatory implementation still set for Nov. 2. UAD 2.6 appraisals submitted on or after that date will fail, even if the appraisal was conducted prior to the mandate. http://www.insidemortgagefinance.com/articles/237707 Fri, 12 Jun 2026 16:06:00 -0400 https://www.insidemortgagefinance.com/articles/237707-gses-update-industry-on-umdp-developments dhollier@imfpubs.com Changes at Freddie Mac simplify income history verification for both self-employed and non-self-employed borrowers. That includes certain borrowers who receive guaranteed payments from a partnership. http://www.insidemortgagefinance.com/articles/237719 Fri, 12 Jun 2026 16:05:00 -0400 https://www.insidemortgagefinance.com/articles/237719-selling-guide-updates-give-lenders-more-flexibility dhollier@imfpubs.com Lenders responsible for the majority of conventional mortgage originations are currently using VantageScore in some fashion, but it’s still not clear how they deal with differences between VS4 and classic FICO. http://www.insidemortgagefinance.com/articles/237730 Fri, 12 Jun 2026 16:04:00 -0400 https://www.insidemortgagefinance.com/articles/237730-unanswered-questions-about-vantagescore-40-adoption dhollier@imfpubs.com A GSE shareholder advocate says selling rights to existing shareholders could resolve conflicting objectives that have vexed GSE reform during the Trump administration. http://www.insidemortgagefinance.com/articles/237739 Fri, 12 Jun 2026 16:03:00 -0400 https://www.insidemortgagefinance.com/articles/237739-another-nuance-for-gse-reform dhollier@imfpubs.com Despite saying he will nominate former SEC Chair Jay Clayton as director of national intelligence, President Trump appears to be sticking with FHFA Director Bill Pulte as acting DNI. http://www.insidemortgagefinance.com/articles/237738 Fri, 12 Jun 2026 16:02:00 -0400 https://www.insidemortgagefinance.com/articles/237738-pultes-role-as-acting-dni-in-limbo dhollier@imfpubs.com Fannie launches new index; disclosure files for certain non-standard REMIC deals to be consolidated or retired. http://www.insidemortgagefinance.com/articles/237740 Fri, 12 Jun 2026 16:01:00 -0400 https://www.insidemortgagefinance.com/articles/237740-gse-roundup dhollier@imfpubs.com Four of the 11 regional Federal Home Loan Banks saw double-digit declines in net income in the first quarter, even though total assets grew for the period. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/237586 Fri, 29 May 2026 12:14:04 -0400 https://www.insidemortgagefinance.com/articles/237586-margins-dip-at-the-fhlbanks dhollier@imfpubs.com A new Milliman study finds that FICO 10T is more predictive of default risk across the full range of credit scores. VantageScore said the study is full of “statistical swindles.” http://www.insidemortgagefinance.com/articles/237595 Fri, 29 May 2026 12:12:06 -0400 https://www.insidemortgagefinance.com/articles/237595-score-war-vs4-vs-10t dhollier@imfpubs.com Some economists suggest Fannie and Freddie should accept mortgages that include a modest prepayment penalty as a way to keep residential mortgage rates lower. But that would be a political challenge. http://www.insidemortgagefinance.com/articles/237597 Fri, 29 May 2026 12:10:08 -0400 https://www.insidemortgagefinance.com/articles/237597-new-perspectives-on-gse-reform dhollier@imfpubs.com The Chicago-based fintech said its new title insurance waiver program could accelerate the mortgage process and potentially save qualified refinance borrowers as much as $2,500 in closing costs. http://www.insidemortgagefinance.com/articles/237604 Fri, 29 May 2026 12:07:11 -0400 https://www.insidemortgagefinance.com/articles/237604-rate-announces-title-insurance-alternative-for-gse-refis dhollier@imfpubs.com The GSE said loans originated by lenders using Freddie’s tools are $1,700 less costly than those originated by lenders who don’t. http://www.insidemortgagefinance.com/articles/237615 Fri, 29 May 2026 12:03:13 -0400 https://www.insidemortgagefinance.com/articles/237615-freddie-tools-by-the-numbers dhollier@imfpubs.com Freddie’s Optigo network, a select group of approved seller/servicers, will remain the primary servicers on multifamily loans, while the GSE will provide master servicing. http://www.insidemortgagefinance.com/articles/237612 Fri, 29 May 2026 12:02:00 -0400 https://www.insidemortgagefinance.com/articles/237612-freddie-leans-into-servicing-excellence dhollier@imfpubs.com Milliman researchers calculate that the capital benefit Fannie Mae and Freddie Mac receive for their CRT activity reduces their capital requirement by about 20%. http://www.insidemortgagefinance.com/articles/237614 Fri, 29 May 2026 12:01:00 -0400 https://www.insidemortgagefinance.com/articles/237614-what-mbs-disclosures-tell-us-about-gse-capital dhollier@imfpubs.com First RPL sale of the year; goodbye Barney Frank; AMI changes for 2026. http://www.insidemortgagefinance.com/articles/237616 Fri, 29 May 2026 12:00:00 -0400 https://www.insidemortgagefinance.com/articles/237616-gse-roundup dhollier@imfpubs.com A senior executive at the mortgage giant provides a rare glimpse into the how the new credit score impacts lender operations. http://www.insidemortgagefinance.com/articles/237609 Fri, 29 May 2026 10:07:03 -0400 https://www.insidemortgagefinance.com/articles/237609-rocket-launches-vantagescore-40 dhollier@imfpubs.com Both VantageScore and FICO have commissioned research to support their claims of superiority. But the truth probably won’t be known until VantageScore 4.0 and FICO 10T compete head-to-head. http://www.insidemortgagefinance.com/articles/237442 Fri, 15 May 2026 12:08:13 -0400 https://www.insidemortgagefinance.com/articles/237442-comparing-vantagescore-40-and-fico-10t dhollier@imfpubs.com Two main sources for lender liquidity are working to improve communication and simplify collateral exchange. http://www.insidemortgagefinance.com/articles/237441 Fri, 15 May 2026 12:06:16 -0400 https://www.insidemortgagefinance.com/articles/237441-fhlbs-describe-synchrony-with-federal-reserve nbhatia@imfpubs.com Changes to the scorecard focus on enhancing homeowner engagement strategies, and reducing delinquencies, servicers’ operational costs and credit losses to the enterprise. http://www.insidemortgagefinance.com/articles/237498 Fri, 15 May 2026 12:05:45 -0400 https://www.insidemortgagefinance.com/articles/237498-freddie-releases-servicing-roadmap-updates-scorecard bivey@imfpubs.com Fannie and Freddie separately updated their selling guides, with changes involving remote online notarization and qualification in instances where the mortgage applicant is anticipating a new job or a raise. There are also some developments involving the Uniform Appraisal Dataset. http://www.insidemortgagefinance.com/articles/237484 Fri, 15 May 2026 12:02:18 -0400 https://www.insidemortgagefinance.com/articles/237484-gses-make-varied-tweaks-to-selling-guides bivey@imfpubs.com In a brief appearance on a show hosted by Steve Bannon, FHFA Director Bill Pulte suggested that part of the reason he was confirmed for the position was to address home prices. http://www.insidemortgagefinance.com/articles/237488 Fri, 15 May 2026 12:01:20 -0400 https://www.insidemortgagefinance.com/articles/237488-pulte-echoes-trump-in-push-for-housing-legislation bivey@imfpubs.com Fannie Mae is offering a new custodial bank account management application that impacts submissions of various forms to the GSE. Freddie Mac has adjusted the definitions of “change of control” and “senior management” at mortgage companies. http://www.insidemortgagefinance.com/articles/237485 Fri, 15 May 2026 12:00:22 -0400 https://www.insidemortgagefinance.com/articles/237485-gses-make-minor-updates-to-servicing-guides dhollier@imfpubs.com Until Fannie and Freddie are more transparent about the loan-level pricing adjustment grids for the new credit score, lenders and investors will remain cautious about its implementation. http://www.insidemortgagefinance.com/articles/237362 Fri, 01 May 2026 16:21:02 -0400 https://www.insidemortgagefinance.com/articles/237362-questions-remain-on-vantagescore-40-implementation dhollier@imfpubs.com If FHFA reduces the GSEs’ capital requirements, that would be a key signal that efforts are moving forward to end the conservatorship of Fannie Mae and Freddie Mac. http://www.insidemortgagefinance.com/articles/237355 Fri, 01 May 2026 16:20:03 -0400 https://www.insidemortgagefinance.com/articles/237355-gaming-out-gse-reform dhollier@imfpubs.com FHFA argued that the award was an unjustified windfall for GSE shareholders, many of whom knew about the net worth sweep when they purchased the stock. http://www.insidemortgagefinance.com/articles/237344 Fri, 01 May 2026 16:17:05 -0400 https://www.insidemortgagefinance.com/articles/237344-fhfa-appeals-jury-award-in-shareholder-lawsuit dhollier@imfpubs.com Industry watchers believe GSE reform is probably off the table until after the mid-term elections at least, as the administration’s focus has shifted to other priorities. http://www.insidemortgagefinance.com/articles/237369 Fri, 01 May 2026 16:15:06 -0400 https://www.insidemortgagefinance.com/articles/237369-status-quo-for-fannie-and-freddie dhollier@imfpubs.com GAO auditors suggested FHFA update its procedures for how accounting personnel consider the impact significant policy changes may have on its financial reporting. FHFA declines, saying the current procedures are fine. http://www.insidemortgagefinance.com/articles/237370 Fri, 01 May 2026 16:12:09 -0400 https://www.insidemortgagefinance.com/articles/237370-alphabet-soup-gao-fhfa-debate-gaap dhollier@imfpubs.com The trade group called for an all-of-government effort to solve the housing affordability crisis. That includes the GSEs. http://www.insidemortgagefinance.com/articles/237363 Fri, 01 May 2026 16:11:11 -0400 https://www.insidemortgagefinance.com/articles/237363-can-the-gses-impact-affordability dhollier@imfpubs.com The GSE beefed up requirements for smaller multifamily properties and inexperienced owners. http://www.insidemortgagefinance.com/articles/237372 Fri, 01 May 2026 16:10:13 -0400 https://www.insidemortgagefinance.com/articles/237372-freddie-updates-multifamily-guide