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
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