GSEs Release Historical FICO Data, Expand Scoring Models
Fannie Mae and Freddie Mac publish historical FICO 10T data and broaden VantageScore 4.0 files, offering lenders a ne...
GSEs
Read concise summaries on GSEs and mortgage rates, including lender choice myths, January pace shifts, and campaigns to lower costs. Use these insights to save on your mortgage.
10 articlesFHFA Pushes GSEs Embrace Chattel Loans in DTS Overhaul
The FHFA proposes an outcome-based Duty to Serve overhaul to push Fannie Mae and Freddie Mac toward stronger support ...
Expect Major Shift in Credit Allocation as Lender Choice
As policy changes from lenders and the GSEs take shape, mortgage markets face a potential major shift in credit alloc...
FHFA Pushes Direct Power to Sue Mortgage Fraud Now
The FHFA has asked Congress for sweeping new authority to file civil lawsuits for mortgage fraud, aiming to curb abus...
Guild Pushes GSEs Scale with Residual Income Underwriting
Guild Mortgage is urging FANNIE MAE and FREDDIE MAC to scale residual income analysis, leveraging existing programs t...
Trump Says FHFA Director Won’t Serve as Permanent DNI
President Donald Trump disclosed that Bill Pulte, head of the FHFA, will not stay on as permanent DNI. The move inten...
Lenders Wrestle with Nuances of New Credit Scores Today
Lenders grapple with how to price loans as multiple credit-score models collide, creating wide score gaps and complex...
GSEs Measured Pace January Helps Tilt Mortgage Rates Lower
Fannie Mae and Freddie Mac moved $12.5 billion into agency MBS in January at a measured pace, nudging mortgage rates ...
Fannie Freddie Mac’s Campaign to Lower Mortgage Rates
A coordinated effort by Fannie Mae and Freddie Mac aims to reduce borrowing costs for homeowners. This article explai...
Lender Choice Myth: Mortgage Score Debate Heats Up
Mortgage lenders must navigate two major credit scores under a framework of automated underwriting in 2026. Critics s...