Federal Housing Finance Agency (FHFA)

Fannie and Freddie are giving some lenders more time to adopt UAD 3.6, meaning mortgage brokers may need to navigate different appraisal requirements across wholesale partners

CHLA sees new Fannie and Freddie score disclosures as a first step toward more competition, while lenders are already finding different borrower outcomes under today's models

After four months of testing, Rocket will make VantageScore 4.0 its preferred model for eligible retail loans while keeping both scoring options available to brokers

Trade group estimates greater Freddie participation could compress spreads another 10 to 12 basis points as Fannie has taken the lead in GSE mortgage-bond buying

Lenders are now offering $845,000, $847,440, or $850,000 before FHFA sets the official 2027 limits

Wholesale lender lands between the industry’s $845,000 benchmark and Pennymac’s $850,000 ceiling