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Volume 18 - Number 7

March 30, 2018

Downloads Available: Fannie/Freddie Credit Scores and DTI Ratios: 2016-2017

Downloads Available: GSE Sellers of High-DTI Mortgages: 12M17

Private MIs Respond to Spike in High-DTI Loans in Late 2017

There was a significant increase in deliveries to the GSEs of home loans with high debt-to-income ratios during the second half of 2017, according to a new Inside The GSEs analysis of Fannie Mae and Freddie Mac single-family mortgage-backed securities.The two GSEs securitized $52.90 billion of mortgages with DTI ratios ranging from 46 percent to 50 percent over the last six months of the year. That was up 72.6 percent from the first half of 2017, and the annual total was up 37.6 percent from 2016.

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Do mortgage lenders really need a new credit-scoring model or is the current FICO system adequate?

It’s fine. Stick with what works.


Time for a change. Borrowers are different today.


Undecided, still assessing the situation.