Federal Housing Finance Agency (FHFA)

Wholesale lender says alternative scores are producing lower rates or reduced LLPAs for some borrowers

Its $850,000 limit is available through consumer-direct, TPO, and correspondent lending ahead of FHFA’s 2027 announcement

The retail lender matched Rocket’s $845,000 ceiling as this year’s rollout began weeks earlier than it did in 2025

The higher limit gives brokers more room to keep borrowers from crossing into jumbo territory

Pulte’s comments could signal either fewer bureau reports or a portable report borrowers could share among lenders, but FHFA has not clarified which approach it is studying

Pulte removes 50-lender cap while considering bi-merge and single-bureau reports as additional ways to reduce mortgage costs