Loan Think

Banks aren’t the only ones that need to keep pace with digital innovation — government agencies must also work to stay relevant.

Conservatives will continue to fight for the kinds of reforms embodied in the Choice Act for decades to come, and history suggests they will likely win out.

Fannie Mae and Freddie Mac remain in conservatorship nearly a decade after the financial crisis, and there’s still no end in sight.

Mel Watt's term as director of Federal Housing Finance Agency ends in January, but his exit may be accelerated if the accusations in a new report prove true.

The fees that Fannie Mae and Freddie Mac charge for low down payment mortgages disproportionately reflect their risk exposure and make homeownership more difficult for underserved borrowers.

Debates on the issue often focus on how lending decisions affect certain demographic groups, but those analyses tend to ignore an important factor: default rates.

The high cost of preparing for both CFPB and state exams has a disproportionate impact on small independent mortgage banks that don't have the compliance economies of scale of larger lenders.

Instead of shrinking the GSEs, the housing regulator is letting them expand into a host of new products and programs.

Meet the new housing finance reform plan, same as the old ones. While that gives it legs, it also presents big challenges.

To make its technology more relevant to the mortgage industry, Fannie Mae is taking a new approach to developing tools that engages lenders earlier in the process and makes lending more efficient.