Historical loan-level datasets covering 2013-2025 let market participants evaluate the next-generation credit model using actual GSE mortgage performance.
Rep. Scott Fitzgerald's three-bill housing package would establish a statutory framework for releasing the GSEs while expanding construction lending and easing some TRID compliance requirements
VantageScore reports lower delinquencies, stable credit scores and a nine-month high in personal loan originations
CFPB frames immigration status as a potential ability-to-repay factor when future U.S.-based income is at risk
First American's ACI Sky Workbench gains verification ahead of the Nov. 2 implementation date for the GSEs' updated appraisal reporting requirements
MBA points to refinancing challenges and higher borrowing costs as commercial mortgage performance remains mixed
FHFA director will continue overseeing Fannie Mae and Freddie Mac while serving as acting director of national intelligence
Mortgage banking veteran will help grow correspondent relationships and secondary market execution
Initial securitized loans with Freddie Mac highlight operational questions following Federal Housing Finance Agency policy shift
New GSE updates allow immediate use of VantageScore 4.0 and signal shift toward multi-score underwriting environment