Analysts worry that FHFA’s aggressive policy moves on credit scores are more about saving consumers money than the safety and soundness of the mortgage system.

Fannie Mae and Freddie Mac securitizations jumped 11.1% last month, reversing a three-month declining trend. On a year-to-date basis, GSE sales were up 22.5% from the first eight months of 2025. (Includes two data tables.)

Industry stakeholders say credit score changes are positive, but still face operational and market challenges.