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
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
Proposed G-TALF facility could help prevent a servicing cash crunch from constraining FHA, VA, and USDA lending
Pulte removes 50-lender cap while considering bi-merge and single-bureau reports as additional ways to reduce mortgage costs
As FHFA moves to give Federal Home Loan Banks more flexibility, the trade group is renewing its push to give qualified independent mortgage banks access to FHLBank membership and liquidity
Community lenders want more flexibility over employee compensation, closing-cost estimates, down payment assistance, and federal supervision of smaller IMBs
Fannie Mae and Freddie Mac will eliminate abbreviated project reviews for condo applications dated on or after Aug. 3
Trade group says the loss of experienced Rural Housing Service staff could complicate delegated underwriting, lender onboarding, and program guidance
The lender group says mortgages below $100,000 routinely lose money, while LO compensation rules could prevent federal incentives from reaching originators
Trade group supports lower mortgage risk weights but says broader market forces — not capital rules — drove banks' retreat from the market