Article
16 February 2026 - by Jonathan Glowacki, Brett Ludden, Ryan Huff
We explore how the introduction of lender's choice of credit score at mortgage origination is expected to change both underwriting processes and mortgage pricing.
Article
30 January 2026 - by Jonathan Glowacki, Leighton A. Hunley, Joseph R. Michels
The value of the MMDI for government-sponsored enterprise (GSE) acquisitions is up slightly to 2.06% for loans acquired in the third quarter (Q3) of 2025, from 1.98% for loans acquired in 2025 Q2.
Article
02 January 2026 - by Andrew Netter, Jonathan Glowacki, Joseph R. Michels
Third-quarter trends continued to see muted top-line growth and strong credit performance despite economic uncertainty.
Article
21 November 2025 - by Jonathan Glowacki, Ryan Huff, Brett Ludden
Lender choice for credit scores could raise the risk on guaranteed mortgages, but actuarial analysis can help mortgage credit providers reprice for the shift.
Article
29 October 2025 - by Jonathan Glowacki, Ryan Huff, Brett Ludden
We show how giving lenders a choice between using FICO or VantageScore for Fannie Mae and Freddie Mac mortgages affects default rates and introduces risks.
Article
29 October 2025 - by Jonathan Glowacki
Freddie Mac and Fannie Mae single-family regulatory capital monitor mortgage-backed security data as of September 2025.
Article
24 October 2025 - by Leighton A. Hunley, Jonathan Glowacki
The value of the MMDI for government-sponsored enterprise (GSE) acquisitions is up slightly to 2.05% for loans acquired in the second quarter (Q2) of 2025, from 2.02% for loans acquired in 2025 Q1.
Article
01 October 2025 - by Jonathan Glowacki
As of July, we estimate a combined capital requirement of $189 billion for Fannie Mae’s and Freddie Mac’s single-family exposures.
Article
26 September 2025 - by Brett Ludden, Jonathan Glowacki, Michael Loehlein
Mortgage origination rose 19% in the first quarter, but high interest rates and home affordability suppressed growth.
Article
16 September 2025 - by Andrew Netter, Jonathan Glowacki, Joseph R. Michels
During 2Q 2025, insurers continued to navigate a market lull—with continued strong credit performance but limited IIF growth.