https://www.insidemortgagefinance.com/rss en-us dhollier@imfpubs.com Outstanding GSE servicing at Rocket Mortgage fell 2.1% from the first quarter, but its holdings still surpassed Chase, the second largest GSE servicer, by more than $322 billion. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/238083 Fri, 24 Jul 2026 15:58:09 -0400 https://www.insidemortgagefinance.com/articles/238083-largest-servicers-lose-ground-in-second-quarter dhollier@imfpubs.com FHFA proposes eliminating the “reputational harm” provisions in the regulation to comply with an executive order issued last August. http://www.insidemortgagefinance.com/articles/238076 Fri, 24 Jul 2026 15:56:11 -0400 https://www.insidemortgagefinance.com/articles/238076-dialing-back-scp-enforcement 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 House members discuss reforms to AMA, Affordable Housing Program, membership eligibility, and ways to provide CDFIs more access to FHLB advances. http://www.insidemortgagefinance.com/articles/238094 Fri, 24 Jul 2026 15:50:17 -0400 https://www.insidemortgagefinance.com/articles/238094-house-committee-debates-fhlb-reform dhollier@imfpubs.com Freddie Mac servicers will have to transition from the monthly foreclosure reporting cycle of its old EDR system to a “near real-time” system based on key events. http://www.insidemortgagefinance.com/articles/238079 Fri, 24 Jul 2026 15:49:18 -0400 https://www.insidemortgagefinance.com/articles/238079-freddie-mae-to-replace-electronic-default-reporting-system dhollier@imfpubs.com The rule change would reduce regulatory costs and effort for both the FHLBanks and FHFA, dovetailing with Trump administration plans to simplify regulation for federal agencies. http://www.insidemortgagefinance.com/articles/238084 Fri, 24 Jul 2026 15:48:21 -0400 https://www.insidemortgagefinance.com/articles/238084-fhfa-to-repeal-fhlb-regulation-on-new-business-activities dhollier@imfpubs.com Senate Democrats press OMB Director Vought to release previously allocated and designated grant funding for organizations to build and rehabilitate housing. http://www.insidemortgagefinance.com/articles/238037 Fri, 24 Jul 2026 15:47:25 -0400 https://www.insidemortgagefinance.com/articles/238037-white-house-withholds-htf-and-cmf-funds dhollier@imfpubs.com FHFA rescinds decades old Q&A sessions; Office of Finance names new board chair. http://www.insidemortgagefinance.com/articles/238086 Fri, 24 Jul 2026 15:46:32 -0400 https://www.insidemortgagefinance.com/articles/238086-gse-roundup dhollier@imfpubs.com Despite a modest increase in volume in the second quarter, large independent mortgage lenders saw their market share fall to its lowest level since the fourth quarter of 2024. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/237960 Fri, 10 Jul 2026 15:18:53 -0400 https://www.insidemortgagefinance.com/articles/237960-big-banks-gain-market-share dhollier@imfpubs.com FHFA wants to claim exemptions “for certain system of records to ensure the agency can effectively carry out its statutory responsibilities while safeguarding sensitive information.” http://www.insidemortgagefinance.com/articles/237962 Fri, 10 Jul 2026 15:15:54 -0400 https://www.insidemortgagefinance.com/articles/237962-white-house-releases-fhfas-2026-regulatory-agenda dhollier@imfpubs.com The business assets of a related person are now an eligible source of gifts. However, the donor still cannot be the builder or another interested party. http://www.insidemortgagefinance.com/articles/237946 Fri, 10 Jul 2026 15:14:55 -0400 https://www.insidemortgagefinance.com/articles/237946-freddie-eases-underwriting-of-large-deposits-and-gifts dhollier@imfpubs.com Proposed legislation revives congressional debate about ending the conservatorships. But mortgage industry stakeholders are skeptical about the bills chance of passage. http://www.insidemortgagefinance.com/articles/237918 Fri, 10 Jul 2026 15:13:02 -0400 https://www.insidemortgagefinance.com/articles/237918-house-bill-would-codify-conservatorship-reforms dhollier@imfpubs.com Proposed legislation would allow Fannie Mae and Freddie Mac to purchase and securitize residential construction loans, provided those projects meet certain affordability and safety and soundness requirements. http://www.insidemortgagefinance.com/articles/237944 Fri, 10 Jul 2026 15:12:58 -0400 https://www.insidemortgagefinance.com/articles/237944-should-the-gses-support-home-construction dhollier@imfpubs.com Former Freddie CEO believes recap-and-release will not be completed while President Trump is in office. http://www.insidemortgagefinance.com/articles/237964 Fri, 10 Jul 2026 15:11:06 -0400 https://www.insidemortgagefinance.com/articles/237964-no-end-in-sight-for-the-conservatorship dhollier@imfpubs.com In a scenario that Fannie and Freddie exit conservatorship, Urban Institute analysts believe that the courts will allow the uniform MBS to persist, even though it requires coordination between the GSEs that could invite antitrust litigation. http://www.insidemortgagefinance.com/articles/237956 Fri, 10 Jul 2026 15:10:08 -0400 https://www.insidemortgagefinance.com/articles/237956-umbs-vs-sherman-act dhollier@imfpubs.com Naa Awaa Tagoe lands at Scotiabank; Fannie completes RPL sale; FHLBank Office of Finance names new directors. http://www.insidemortgagefinance.com/articles/237965 Fri, 10 Jul 2026 15:09:10 -0400 https://www.insidemortgagefinance.com/articles/237965-gse-roundup jbancroft@imfpubs.com Seller repurchases from Fannie and Freddie declined 21% in the first quarter of 2026 to the lowest level since 2020. But the pipeline of unresolved claims rose significantly. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/237803 Fri, 26 Jun 2026 12:10:00 -0400 https://www.insidemortgagefinance.com/articles/237803-gse-buybacks-slow-in-1q26-though-freddie-pipeline-up dhollier@imfpubs.com Proposed changes would revamp the treatment of “Indian areas” and rural agricultural workers, along with altering the method of calculating area median income. http://www.insidemortgagefinance.com/articles/237841 Fri, 26 Jun 2026 12:07:00 -0400 https://www.insidemortgagefinance.com/articles/237841-fhfa-proposes-broad-revision-of-duty-to-serve-rule dhollier@imfpubs.com Despite the controversy surrounding his investigations into political enemies of the president, FHFA Director Bill Pulte is asking Congress for enforcement authority over suspected cases of fraud. http://www.insidemortgagefinance.com/articles/237850 Fri, 26 Jun 2026 12:06:00 -0400 https://www.insidemortgagefinance.com/articles/237850-fhfa-renews-appeal-for-enforcement-authority dhollier@imfpubs.com The Federal Home Loan Banks say the supervisory haircut federal regulators proposed applying to their consolidated obligations when held as collateral is too large and may impair pricing and liquidity. http://www.insidemortgagefinance.com/articles/237849 Fri, 26 Jun 2026 12:05:00 -0400 https://www.insidemortgagefinance.com/articles/237849-fhlbanks-chime-in-on-basel-iii-re-proposal dhollier@imfpubs.com As Basel III approaches the end of what may be its last notice and comment period, industry stakeholders work to secure last-minute policy changes. http://www.insidemortgagefinance.com/articles/237853 Fri, 26 Jun 2026 12:04:00 -0400 https://www.insidemortgagefinance.com/articles/237853-trades-question-capital-treatment-for-gses-multifamily-loans dhollier@imfpubs.com The National Association of Mortgage Brokers contends that the condo sector hasn’t had nearly enough time to prepare for the GSEs’ new requirements. http://www.insidemortgagefinance.com/articles/237857 Fri, 26 Jun 2026 12:03:00 -0400 https://www.insidemortgagefinance.com/articles/237857-brokers-seek-delay-of-condo-project-review-requirements dhollier@imfpubs.com Appraisers now have a trio of aids to help them navigate the adoption of UAD 3.6 and the new URAR. http://www.insidemortgagefinance.com/articles/237858 Fri, 26 Jun 2026 12:02:00 -0400 https://www.insidemortgagefinance.com/articles/237858-fannie-preps-appraisers-for-uad-36 dhollier@imfpubs.com Draft legislation would let the GSEs securitize construction loans; Fannie to expand title pilot program. http://www.insidemortgagefinance.com/articles/237860 Fri, 26 Jun 2026 12:01:50 -0400 https://www.insidemortgagefinance.com/articles/237860-gse-roundup 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