New research shows that, contrary to some critics, debt-to-income ratios are an effective predictor of a borrower’s ability to repay.

The Heritage Foundation’s Project 2025 calls for the end of the GSE conservatorships and a dramatically reduced role for the Fed.

Economists still differ in their forecasts about how many times the Fed will cut rates this year and what that means for mortgage originations.

The disclosures include VantageScore scores from all three credit reporting companies — TransUnion, Equifax and Experian.

Bank trade groups raised concerns that a recent request for input from FHFA “appears to contemplate significant regulatory action not undertaken at Congress’ direction.”

The new PCs will provide investors more flexibility and efficiency by allowing them to consolidate smaller securities.

The new data will help lenders determine the impact of the upcoming shift from a tri-merge credit reporting process to a bi-merge model.

Many mortgage industry trade groups believe changing the mission of the Federal Home Loan Bank system is Congress’ responsibility rather than that of the FHFA.

The top five GSE sellers saw their market share jump from 33.5% in the first quarter to 36.7% in the second.

As soon as July, FHFA plans to issue a proposed rule that would establish standards for the GSEs related to returns on capital for new single-family mortgage acquisitions.