Description+goes+here https://www.insidemortgagefinance.com/rss en-us 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 negative profitability gap means the guarantee fees on newly acquired loans weren’t enough to cover the expected cost of guaranteeing the loans and earning the expected return on capital. http://www.insidemortgagefinance.com/articles/236350 Fri, 09 Jan 2026 15:35:26 -0500 https://www.insidemortgagefinance.com/articles/236350-profitability-gap-on-g-fees-went-negative-in-2024 dhollier@imfpubs.com While market share of small- and mid-sized nonbank lenders grew, there was some leakage at the large nonbank lenders. Large mortgage companies’ market share fell sequentially to 53.8% from 56.1%. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/235561 Fri, 10 Oct 2025 16:24:21 -0400 https://www.insidemortgagefinance.com/articles/235561-smaller-lenders-gain-market-share dhollier@imfpubs.com Even as loan deliveries to Fannie Mae and Freddie Mac increase, the two entities continue to lose business to Ginnie Mae issuers. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/235332 Fri, 12 Sep 2025 15:14:06 -0400 https://www.insidemortgagefinance.com/articles/235332-gse-market-share-continues-to-shrink dhollier@imfpubs.com Trump administration hinted a GSE stock sale might resemble its recent Intel deal, potentially seeding a national sovereign wealth fund. http://www.insidemortgagefinance.com/articles/235174 Fri, 29 Aug 2025 11:44:22 -0400 https://www.insidemortgagefinance.com/articles/235174-pulte-puts-gses-valuation-at-1-trillion dhollier@imfpubs.com FHFA’s efforts to monetize the securitization platform of the GSEs may provide entre to Wall Street banks and other competitors. http://www.insidemortgagefinance.com/articles/234700 Thu, 03 Jul 2025 12:56:13 -0400 https://www.insidemortgagefinance.com/articles/234700-css-prepped-for-non-gse-customers dhollier@imfpubs.com Deliveries to Fannie and Freddie rose last month even as the GSEs’ market share is the lowest since the global financial crisis. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/234477 Fri, 06 Jun 2025 14:40:39 -0400 https://www.insidemortgagefinance.com/articles/234477-greenish-shoots-in-gse-volume dhollier@imfpubs.com Housing finance stakeholders continue to debate whether the Trump administration can safely release Fannie and Freddie from conservatorship. http://www.insidemortgagefinance.com/articles/234459 Fri, 06 Jun 2025 14:35:40 -0400 https://www.insidemortgagefinance.com/articles/234459-schism-over-impact-of-gses-release-from-conservatorship dhollier@imfpubs.com Three Democrats joined Senate Republicans in a vote to make Bill Pulte, the grandson of the founder of homebuilding giant PulteGroup, the chief regulator of Fannie Mae, Freddie Mac and the Federal Home Loan Banks. http://www.insidemortgagefinance.com/articles/233722 Fri, 14 Mar 2025 15:47:30 -0400 https://www.insidemortgagefinance.com/articles/233722-pulte-confirmed-as-fhfa-director dhollier@imfpubs.com Executives from Annaly and Two Harbors worry that ending the conservatorships of the GSEs could fundamentally change the buyer base for their mortgage-backed securities. http://www.insidemortgagefinance.com/articles/233717 Fri, 14 Mar 2025 15:46:32 -0400 https://www.insidemortgagefinance.com/articles/233717-reits-skeptical-about-gse-reform dhollier@imfpubs.com It’s the first time Freddie’s MBS business has been larger than Fannie’s on an annual basis since 1991. http://www.insidemortgagefinance.com/articles/233091 Fri, 03 Jan 2025 14:00:08 -0500 https://www.insidemortgagefinance.com/articles/233091-freddie-mortgage-purchases-for-2024-surpass-fannie dhollier@imfpubs.com Ginnie MBS issuance outpaced the GSEs beginning in 2022, a trend that holds to this day. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/232943 Fri, 13 Dec 2024 15:01:18 -0500 https://www.insidemortgagefinance.com/articles/232943-gse-volumes-still-lag-ginnie-mae dhollier@imfpubs.com Lenders will soon be able to deliver their own green MBS into Fannie’s green MBS program. Currently, only whole loans are accepted. http://www.insidemortgagefinance.com/articles/232044 Fri, 06 Sep 2024 16:01:03 -0400 https://www.insidemortgagefinance.com/articles/232044-fannie-expands-eligibility-for-green-mbs-program dhollier@imfpubs.com SFA leader says ending GSE conservatorships would lead to unsustainable credit downgrades for Fannie and Freddie. http://www.insidemortgagefinance.com/articles/231692 Fri, 26 Jul 2024 16:09:39 -0400 https://www.insidemortgagefinance.com/articles/231692-revisiting-gse-reform dhollier@imfpubs.com Researchers say strategic securitization by lenders exposes the GSEs to higher insurer counterparty risk, especially in regions with frequent climate-related disasters. The proposed cure: LLPAs and capital rules that compensate the GSEs for this risk. http://www.insidemortgagefinance.com/articles/231428 Fri, 28 Jun 2024 13:14:57 -0400 https://www.insidemortgagefinance.com/articles/231428-climate-property-insurance-and-the-gses nbhatia@imfpubs.com Overall loan deliveries to Fannie Mae and Freddie Mac increased modestly in May. PennyMac boosted its production by 53.4%, making it the largest GSE seller during the month. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/231297 Fri, 14 Jun 2024 12:56:50 -0400 https://www.insidemortgagefinance.com/articles/231297-freddie-lifts-gse-single-family-business-in-may dhollier@imfpubs.com Properties backed by Freddie Green MBS issued in 2023 saved enough energy to power 2,051 homes for a year. http://www.insidemortgagefinance.com/articles/231300 Fri, 14 Jun 2024 12:41:57 -0400 https://www.insidemortgagefinance.com/articles/231300-impact-of-freddies-green-bond-program dhollier@imfpubs.com The rating service focuses on the government’s implicit guarantee and the critical role the GSEs play in housing finance and the financial sector more generally. Fannie and Freddie also have healthy earnings. http://www.insidemortgagefinance.com/articles/230804 Fri, 19 Apr 2024 14:01:47 -0400 https://www.insidemortgagefinance.com/articles/230804-morningstar-gives-gses-aaa-ratings dhollier@imfpubs.com The new framework for social bonds links them more directly to the Mission Index, formerly known as the Social Index. http://www.insidemortgagefinance.com/articles/230036 Fri, 26 Jan 2024 13:04:44 -0500 https://www.insidemortgagefinance.com/articles/230036-gses-rebrand-social-index dhollier@imfpubs.com Freddie executed its first five-year K-deals since 2016 and its first single-asset single-borrower securities in two years. http://www.insidemortgagefinance.com/articles/229921 Fri, 12 Jan 2024 17:08:29 -0500 https://www.insidemortgagefinance.com/articles/229921-freddies-multifamily-team-stayed-active-in-a-slow-2023 dhollier@imfpubs.com The mortgage industry generally supports the limited scope of the rule. But consumer advocates believe FIRREA calls for a broader scope, including AVMs used by licensed appraisers. http://www.insidemortgagefinance.com/articles/228764 Fri, 01 Sep 2023 14:33:24 -0400 https://www.insidemortgagefinance.com/articles/228764-stakeholders-recommend-changes-to-proposed-avm-rule dhollier@imfpubs.com With a nonperforming loan sale, a reperforming loan sale and a social bond transaction, Fannie livened up an otherwise slow year. http://www.insidemortgagefinance.com/articles/228673 Fri, 18 Aug 2023 15:15:16 -0400 https://www.insidemortgagefinance.com/articles/228673-fannies-capital-markets-team-gets-busy dhollier@imfpubs.com The inclusion of new-built homes with high energy efficiency ratings in Freddie’s green bond program significantly boosted the program’s impact. http://www.insidemortgagefinance.com/articles/228394 Fri, 21 Jul 2023 13:52:01 -0400 https://www.insidemortgagefinance.com/articles/228394-freddie-reports-on-impact-of-its-single-family-green-bond dhollier@imfpubs.com Fannie has updated its selling guide to provide modest flexibilities on manufactured home loans, adjustable-rate mortgages and cash-out refinances. http://www.insidemortgagefinance.com/articles/228054 Fri, 09 Jun 2023 12:52:46 -0400 https://www.insidemortgagefinance.com/articles/228054-new-rules-for-manufactured-home-loans-arms-and-cashout-refis dhollier@imfpubs.com Fannie and Freddie in a joint comment letter expressed concerns that the SEC’s proposed rule on conflict of interest could prevent the GSEs from issuing credit-risk transfer notes in a post-conservatorship world. http://www.insidemortgagefinance.com/articles/227543 Fri, 14 Apr 2023 15:19:43 -0400 https://www.insidemortgagefinance.com/articles/227543-gses-worry-about-proposed-material-conflict-of-interest-rule dhollier@imfpubs.com Using this tool, investors can determine the volume of MBS that is liquid and available to trade on the TBA market. The data can be sorted by cohort, vintage, date and category. http://www.insidemortgagefinance.com/articles/227545 Fri, 14 Apr 2023 15:13:49 -0400 https://www.insidemortgagefinance.com/articles/227545-fannie-announces-mbs-float-dashboard dhollier@imfpubs.com As of Jan. 1, Fannie Mae and Freddie Mac will for the first time be able to purchase one-unit single-family loans worth more than $1 million. http://www.insidemortgagefinance.com/articles/226376 Fri, 02 Dec 2022 14:05:00 -0500 https://www.insidemortgagefinance.com/articles/226376-gses-set-stage-for-new-conforming-loan-limits dhollier@imfpubs.com A new Fannie chartbook provides detailed cohort-level data on the socially oriented lending backed by the enterprise. http://www.insidemortgagefinance.com/articles/226380 Fri, 02 Dec 2022 14:04:00 -0500 https://www.insidemortgagefinance.com/articles/226380-fannie-releases-cohort-level-social-data dhollier@imfpubs.com The new social index methodology gives investors a rigorous, pool-based measure of the social impact of the mortgage-backed securities issued by the enterprises. http://www.insidemortgagefinance.com/articles/226273 Fri, 18 Nov 2022 13:05:00 -0500 https://www.insidemortgagefinance.com/articles/226273-fannie-begins-releasing-social-disclosures dhollier@imfpubs.com The enterprise issued more credit-risk transfer deals this year than last. But increasing interest rates have made the deals less and less attractive for Freddie. http://www.insidemortgagefinance.com/articles/226279 Fri, 18 Nov 2022 13:03:00 -0500 https://www.insidemortgagefinance.com/articles/226279-freddie-ends-stacr-issuance-for-2022