GSE & FHFA
Expect a major shift in credit allocation as a result of lender choice
Lender choice could shift credit allocation because lenders will send the highest score, increasing adverse selection risk for Fannie and Freddie. If GSEs raise LLPAs, more borrowers in 660-740 may move to FHA and higher scores above 760 may go to private-label investors.
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HousingWire
2 min readJune 23, 2026
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HousingWire
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GSE & FHFA