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Bonnie Sinnock

@bcynic

Capital Markets Editor National Mortgage News @NatMortgageNews an Arizent publication @Arizent_co I write about mortgages - and more [email protected]

 New York, NY
nationalmortgagenews.com/author/bonnie-sinnock
Joined April 2009
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Rocket plans to make VS4 its "preferred" score as GSE pricing grids get an update nationalmortgagenews.com/new…
GSEs, Rocket give lenders new reasons to adopt VantageScore

GSEs, Rocket give lenders new reasons to adopt VantageScore

The GSEs also have unified 4.0 pricing for loans scored with classic FICO while 10T moves toward 2027 adoption at FHA but remains pending at the enterprises.

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“The challenge with AI, particularly in the capital markets segment, is you cannot have something that’s probabilistic,” said Polly CEO Adam Carmel. nationalmortgagenews.com/new…

Agentic AI move slashes lender implementation time: Polly

The compressed timeline could address a key challenge mortgage companies face when considering changing vendors.

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“Our performance reflects the durability of our guarantee business, the resilience of our balance sheet, and the disciplined execution of our strategy,” said Peter Akwaboah, @FannieMae’s acting CEO and chief operating officer. nationalmortgagenews.com/new…
Fannie Mae results show purchase market surprisingly strong

Fannie Mae results show purchase market surprisingly strong

Seasonal gains fueled the highest dollar volume of loans acquired since the third quarter of 2022, suggesting lenders are getting business from homebuyers.

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Why Freddie Mac's earnings soared in the first quarter nationalmortgagenews.com/new…
Freddie Mac earnings surge on net interest income, credit release

Freddie Mac earnings surge on net interest income, credit release

Growth in retained and investment portfolios drove gains as the government-sponsored enterprise reported the highest refinancing share seen in four years.

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“We're constantly monitoring what the ratio could look like in the next couple years, balancing that with the policy decisions we want to make to ultimately expand the mission,” FHA Commissioner Frank Cassidy told #MBAServicing26 nationalmortgagenews.com/new…

How FHA, Ginnie, VA are managing affordability, performance

The agencies' representatives weighed in on the insurance fund's capital ratio and evolving policies at the Mortgage Bankers Association's servicing conference.

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A single-close construction loan that can be immediately securitized, such as the one the USDA has pioneered, is among industry suggestions for ways Fannie Mae and Freddie Mac could boost builder activity. By @bcynic nationalmortgagenews.com/new…

Pulte hints at how Fannie, Freddie may spur builder activity

President Trump wants the two government-sponsored loan buyers to help speed lower-cost home creation and their oversight agency's director is following up.

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“Modern credit scores like Vantagescore that use both credit report data and alternative data, including rental payments, are long overdue for use in the mortgage industry,” said Silvio Tavares, president and CEO @VantageScore. By @bcynic nationalmortgagenews.com/new…
Fannie, Freddie add VantageScore, keep tri-merge

Fannie, Freddie add VantageScore, keep tri-merge

The move their regulator Bill Pulte announced introduces competition for one metric but charges from three credit bureaus will remain in place.

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Condo blacklist visibility has gotten better for lenders, but what they really want to see is more approvals and @CAIsocial says lending in this market is still “in crisis.” By @bcynic nationalmortgagenews.com/new…
Lenders get a better view of condo blacklist but want more

Lenders get a better view of condo blacklist but want more

Transparency has improved for mortgages but associations still lack access and insurance is a challenge in efforts to balance access to housing with safety.

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Each market cycle is different, and housing finance experts who have been through a few have some words of advice when it comes to navigating this one. nationalmortgagenews.com/new…
Mortgage pros share tips for riding out volatility

Mortgage pros share tips for riding out volatility

In some ways, the uncertainty in mortgage and capital markets has been unprecedented this year, but other aspects are old hat for industry veterans.

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Keep an eye on the moves this quiet but powerful servicing player has been making to acquire Guild Mortgage and take it private. nationalmortgagenews.com/new…
Guild, Bayview talks result in deal valued at $1.3 billion

Guild, Bayview talks result in deal valued at $1.3 billion

The publicly traded company will become privately held as part of the all-cash servicer-lender acquisition, with a $20-per-share payout to common stockholders.

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Bonnie Sinnock retweeted
Brad Finkelstein (@NMNBrad) profile picture
Brad Finkelstein@NMNBrad28 Apr 2025
The time is here - the first portion of this year's National Mortgage News Top Producers listing has been revealed. Keep an eye on our homepage for the remaining segments, as well as additional data points to be released. nationalmortgagenews.com/new…
2025's Top Producers ranked 250-151

2025's Top Producers ranked 250-151

The 250 top mortgage originators in 2025 brought in high volumes despite less than ideal conditions. Check back in the following days for 150-51, the top 50 and the final full list, with further cuts...

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Too much nationalmortgagenews.com/new… or not enough nationalmortgagenews.com/new…?
Dems question Fannie Mae/Freddie Mac cuts, board changes

Dems question Fannie Mae/Freddie Mac cuts, board changes

Some members of the Senate, where the GOP majority is thinner, also are asking the Federal Housing Finance Agency to reveal more about planned mortgage reforms.

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A blanket requirement for repairs to all real-estate owned properties at the government-sponsored enterprise has created financial and operational concerns, according to a @FHFA order that @Pulte posted on X. By @bcynic nationalmortgagenews.com/new…
FHFA ends Fannie Mae's foreclosed home repair strategy

FHFA ends Fannie Mae's foreclosed home repair strategy

The Federal Housing Finance Agency found the practice aimed at selling more real-estate owned homes to occupants had downsides, according to a recent order.

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The record-setting fixed-rate nonrecourse financing potentially opens up a new opportunity for nonbank mortgage companies with large MSR portfolios. nationalmortgagenews.com/new…
Rithm closes groundbreaking mortgage-servicing rights deal

Rithm closes groundbreaking mortgage-servicing rights deal

The record-setting fixed-rate nonrecourse financing potentially opens up a new opportunity for nonbank mortgage companies with large MSR portfolios.

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Freddie Mac President Mike Hutchins has resumed the role of interim CEO. nationalmortgagenews.com/new…
Top execs reportedly leave Freddie Mac, FHFA

Top execs reportedly leave Freddie Mac, FHFA

The head of operations at the Federal Housing Finance Agency and two C-suite leaders at the government-sponsored enterprise are out, according to Semafor.

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The Trump administration has a lot of plans for reform with ramifications for mortgages and capital markets. What will these mean for Ginnie Mae servicing? nationalmortgagenews.com/new…
Ginnie Mae MSR holdings shift as Trump policies evolve

Ginnie Mae MSR holdings shift as Trump policies evolve

Some precedents from Trump's first term do point to a scenario where depositories could re-enter the government mortgage market, according to one expert.

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Because capital markets work tends to be so specialized, the nonprofit’s founders wanted to supplement existing networking groups in the industry. By @bcynic nationalmortgagenews.com/new…
New capital markets group seeks to support, develop talent

New capital markets group seeks to support, develop talent

The CapitalW Collective supplements the work other organizations do by addressing the educational needs of women and others in the specialized portions of the mortgage business.

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National Mortgage News @NatMortgageNews · 4h “We have 50 million people between 30 and 40 in this country right now on the cusp of prime, first-time homebuying. So they're ready. The demand is there,” said Mike Fratantoni, @MBAMortgage #MBAAnnual24
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Breaking: Executive change at Pennymac bit.ly/3BsyqHh
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“Further action on the MIP, such as eliminating the life-of-loan premium requirement, should be considered,” said Bob Broeksmit, president and CEO, @MBAMortgage. #mortgage #insurance By @bcynic nationalmortgagenews.com/new…
FHA capital ratio dips but hopes for new premium cuts persist

FHA capital ratio dips but hopes for new premium cuts persist

Because the measure of the insurance fund's soundness remained well above its target, trade groups asked whether the cost of coverage could be further reduced.

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