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Inside The GSEs

November 4, 2024

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GSE Earnings Resilient in a Tight Housing Market

Remarkably steady net revenues at the GSEs mean fluctuations in profits are mostly due to below-the-line expenses. (Includes data table.) Read More

Freddie Expands Repurchase Alternative Pilot to All

In a busy week at the Mortgage Bankers Association’s annual conference, Freddie Mac rolled out an expansion of its repurchase alternative pilot. Officials also defended the closed-end second-lien pilot. Read More

Lenders Anxious as Credit Score Changes Loom

The far-reaching impacts of shifting from Classic FICO to a combination of FICO 10 T and VantageScore 4.0 have lenders worried about customer relations and fair lending problems. Read More

Lenders, Advocacy Groups Disagree on GSE Housing Goals

Housing advocates say weaker goals don’t give the GSEs enough incentive to support underserved communities; lenders say they give needed leeway when markets are unpredictable. Read More

FHLB San Francisco Expands Access for CDFIs

The FHLBank is extending the terms and reducing the haircut on collateral pledged by non-depository CDFIs and state-chartered HFAs (which technically aren’t even members). Read More

FHFA Eases Access to FHLB Affordable Housing Grants

A new advisory bulletin streamlines the application process for an affordable housing subsidy and makes the rules more compatible with those of other affordable housing funders. Read More

GSEs Update Timeline for Uniform Appraisal Dataset

Fannie Mae and Freddie Mac have put specific dates on some of the key steps in the shift from UAD 2.6 to UAD 3.6. Read More

Nonbanks Found to Lower Costs on GSE Mortgages

Researchers find that the highest and lowest rates on GSE mortgages are charged by large banks and fintechs, respectively. Read More

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