{"id":346279,"date":"2025-12-16T02:32:14","date_gmt":"2025-12-16T02:32:14","guid":{"rendered":"https:\/\/peraltafinancing.com\/uncategorized\/fannie-mae-and-freddie-mac-are-quietly-stockpiling-mortgages\/"},"modified":"2025-12-16T02:32:14","modified_gmt":"2025-12-16T02:32:14","slug":"fannie-mae-and-freddie-mac-are-quietly-stockpiling-mortgages","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=346279","title":{"rendered":"Fannie Mae and Freddie Mac are quietly stockpiling mortgages"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"block-inner\">\n<div class=\"article-summary\">\n<h2>Quick Read<\/h2>\n<ul>\n<li>Fannie Mae and Freddie Mac have increased their retained mortgage portfolios by $55 billion since May 2025, growing combined holdings from $178.5 billion to $233.6 billion.<\/li>\n<li>Purchasing more mortgage-backed securities (MBS) and loans may help lower mortgage rates by easing investor demand pressures, with Fannie and Freddie buying $13 billion monthly in the second half of 2025.<\/li>\n<li>Industry groups urge raising Fannie and Freddie\u2019s MBS purchase caps to address the elevated spread between 30-year mortgage rates and 10-year Treasury yields, which impacts mortgage rates and affordability.<\/li>\n<li>The mortgage purchases could also boost Fannie and Freddie\u2019s bottom lines, making them more attractive to investors as the Trump administration considers a public offering to sell part of the government\u2019s 80% stake in the mortgage giants.<\/li>\n<\/ul>\n<p>An AI tool created this summary, which was based on the text of the article and checked by an editor.<\/p>\n<\/p><\/div>\n<p>Monthly purchases of $13 billion in mortgages and MBS may be taking pressure off mortgage rates \u2014 and setting the stage for a more attractive public offering.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div>\n<p>Mortgage giants Fannie Mae and Freddie Mac have been quietly growing their retained mortgage portfolios by billions of dollars in recent months \u2014 a move that might not only be taking some pressure off of mortgage rates, but paving the way for a public offering.<\/p>\n<p>Fannie, Freddie and their regulator, the Federal Housing Finance Agency, \u201chave been tight lipped\u201d about the $55 billion in mortgage-backed securities and mortgage loans they\u2019ve added to their portfolio since May, said Bloomberg\u2019s Scott Carpenter, who spotted the trend.<\/p>\n<p>But Trump administration officials, including FHFA Director Bill Pulte and Treasury Secretary Scott Bessent, have acknowledged they\u2019re looking into ways the government could sell off part of its stake in the companies through a public offering.<\/p>\n<p><iframe src=\"https:\/\/www.bloomberg.com\/media-manifest\/embed\/iframe?id=8bbc40f9-169a-4668-b75a-f070b94ac3ba\" frameborder=\"0\"><\/iframe><\/p>\n<p>\u201cThey have [a public offering] in mind, as well as other possible objectives, like lowering mortgage rates,\u201d Carpenter said Monday on Bloomberg TV.<\/p>\n<p>\u201cThey\u2019re thinking, how do we make this possible?,\u201d he said. \u201cOne way to do that could be buying more mortgage bonds and mortgage loans, increasing [Fannie and Freddie\u2019s] earnings [and] presenting better profitability, so that when it comes time to do an offering, investors like what they see.\u201d<\/p>\n<h2>Fannie and Freddie retained mortgages and MBS<\/h2>\n<div id=\"attachment_1104975\" style=\"width: 789px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-1104975\" class=\"wp-image-1104975 size-full\" src=\"https:\/\/assets.inman.com\/wp-content\/uploads\/2025\/12\/FNMA-FMCC-retained-portfolios-Oct-2025.png\" alt=\"\" width=\"779\" height=\"482\" srcset=\"https:\/\/assets.inman.com\/wp-content\/uploads\/2025\/12\/FNMA-FMCC-retained-portfolios-Oct-2025.png 779w, https:\/\/assets.inman.com\/wp-content\/uploads\/2025\/12\/FNMA-FMCC-retained-portfolios-Oct-2025-450x278.png 450w, https:\/\/assets.inman.com\/wp-content\/uploads\/2025\/12\/FNMA-FMCC-retained-portfolios-Oct-2025-768x475.png 768w, https:\/\/assets.inman.com\/wp-content\/uploads\/2025\/12\/FNMA-FMCC-retained-portfolios-Oct-2025-50x31.png 50w\" sizes=\"auto, (max-width: 779px) 100vw, 779px\"\/><\/p>\n<p id=\"caption-attachment-1104975\" class=\"wp-caption-text\"><em>Fannie and Freddie\u2019s combined retained mortgage portfolio grew by 31 percent from May to October, from $178.5 billion to $233.6 billion. Source: <a href=\"https:\/\/www.fanniemae.com\/about-us\/investor-relations\/monthly-summary\" target=\"_blank\" rel=\"noopener\">Fannie Mae<\/a> and <a href=\"https:\/\/www.freddiemac.com\/investors\/financials\/monthly-volume-summaries\" target=\"_blank\" rel=\"noopener\">Freddie Mac<\/a> monthly volume surveys.<\/em><\/p>\n<\/div>\n<p>While some economists and real estate industry trade groups have worried that privatizing Fannie and Freddie could mean <a href=\"https:\/\/www.inman.com\/2025\/09\/26\/democrats-seek-transparency-into-fannie-freddie-reprivatization\/\">higher mortgage rates<\/a> for homebuyers, the Trump administration has signaled that it\u2019s more interested in monetizing the mortgage giants than privatizing them.<\/p>\n<p>Instead of releasing Fannie and Freddie from government conservatorship, the Trump administration is planning to sell a small slice of its 80 percent stake in the companies, <a href=\"https:\/\/www.inman.com\/2025\/10\/30\/fannie-and-freddie-build-net-worths-for-planned-q2-2025-public-offering\/\">Pulte said in October<\/a>.<\/p>\n<p>Trump himself has <a href=\"https:\/\/truthsocial.com\/@realDonaldTrump\/posts\/114582141732207441\" target=\"_blank\" rel=\"noopener\">promised<\/a> that the government will continue to maintain an \u201cimplicit guarantee\u201d of Fannie and Freddie\u2019s obligations \u2014 which could help keep mortgage rates low, but expose taxpayers to future losses.<\/p>\n<p>Fannie and Freddie don\u2019t make mortgage loans themselves, but help make rates more affordable by providing guarantees to investors in mortgage-backed securities who fund most home loans.<\/p>\n<p>Most of the impact the companies have on the mortgage market comes through those guarantees. Through Sept. 30, Freddie Mac has provided guarantees on $219 billion in purchase mortgages this year, with Fannie Mae backing another $186 billion in purchase loans.<\/p>\n<p>But instead of packaging loans into mortgage-backed securities (MBS) and selling them to investors, Fannie and Freddie can retain some of those loans in their own investment portfolios. Fannie and Freddie\u2019s retained mortgage portfolios also include their own MBS, but relatively minuscule levels of \u201cprivate-label\u201d MBS that generated losses that helped put the companies into conservatorship in 2008.<\/p>\n<p>Because mortgage rates are largely determined by MBS investor demand, Fannie and Freddie\u2019s purchases of loans and their own MBS might be helping take a little pressure off of mortgage rates.<\/p>\n<p>During the pandemic, the Federal Reserve\u2019s MBS purchases, which peaked at <a href=\"https:\/\/www.inman.com\/2021\/11\/03\/fed-tapering-starts-now-markets-unfazed\/\">$40 billion per month<\/a>, were part of a \u201cquantitative easing\u201d program that helped push mortgage rates to historic lows.<\/p>\n<p>Fannie and Freddie, by comparison, have been buying up mortgages and MBS at a rate of $13 billion per month in the second half of the year.<\/p>\n<p>\u201cA lot of investors I talked to [say] it\u2019s on a trajectory to continue growing into next year,\u201d Carpenter said of Fannie and Freddie\u2019s appetite for buying mortgages. \u201cCitigroup is expecting them to add $100 billion.\u201d<\/p>\n<p>In October, two groups representing independent and community-based mortgage lenders <a href=\"https:\/\/www.communitylender.org\/chla-icba-urge-treasury-fhfa-to-have-gses-purchase-mbs-to-bring-down-mortgage-rates\/\" target=\"_blank\" rel=\"noopener\">wrote to Pulte and Bessent<\/a> urging that Fannie and Freddie be granted more leeway to buy their own MBS.<\/p>\n<p>As long as a key metric \u2014 the \u201c30-10 spread\u201d \u2014 exceeds 170 basis points (1.7 percentage points), Fannie and Freddie should each have the ability to purchase up to $300 billion in MBS, the Community Home Lenders of America (CHLA) and the Independent Community Bankers of America (ICBA) argued.<\/p>\n<p>The \u201c<a href=\"https:\/\/fred.stlouisfed.org\/graph\/?g=1q6ep\" target=\"_blank\" rel=\"noopener\">30-10 spread<\/a>\u201d between 30-year fixed-rate mortgages and 10-year Treasury yields averaged less than two percentage points during the decade before the pandemic. But it widened to three percentage points at times in 2022 and 2023, adding to the pain of rising mortgage rates.<\/p>\n<p>In 2023, the National Association of Realtors <a href=\"https:\/\/www.inman.com\/2023\/10\/13\/housing-groups-including-nar-float-wonky-idea-to-cut-mortgage-rates\/\">joined with CHLA and ICBA<\/a> in calling for raising caps on Fannie and Freddie\u2019s MBS purchases, and for the Fed to put \u201cquantitative tightening\u201d on hold as a strategy for reducing the 30-10 spread.<\/p>\n<p>At 2.05 percentage points as of Dec. 12, the 30-10 spread is approaching its historical average \u2014 one factor helping mortgage rates decline to a 2025 low of 6.12 percent on Oct. 28, according to lender data tracked by <a href=\"https:\/\/www2.optimalblue.com\/obmmi\" target=\"_blank\" rel=\"noopener\">Optimal Blue<\/a>.<\/p>\n<h2>Fed still holds $2 trillion in mortgages on its books<\/h2>\n<p><iframe style=\"overflow: hidden; width: 670px; height: 525px;\" src=\"https:\/\/fred.stlouisfed.org\/graph\/graph-landing.php?g=1OQQL&amp;width=670&amp;height=475\" frameborder=\"0\" scrolling=\"no\"><\/iframe><br \/>Although the Fed stopped buying mortgages in 2022 and has been trimming its balance sheet ever since, it still holds more than $2 trillion in MBS and nearly $4.2 trillion in Treasurys <a href=\"https:\/\/fred.stlouisfed.org\/graph\/?g=1N5Zt\" target=\"_blank\" rel=\"noopener\">on its books<\/a>.<\/p>\n<p><em>Get Inman\u2019s <a href=\"https:\/\/www.inman.com\/mortgage-brief-newsletter\/\">Mortgage Brief Newsletter<\/a> delivered right to your inbox. A weekly roundup of all the biggest news in the world of mortgages and closings delivered every Wednesday. <a href=\"https:\/\/www.inman.com\/newsletters\/\">Click here to subscribe.<\/a><\/em><\/p>\n<p><a href=\"https:\/\/www.inman.com\/2025\/12\/15\/fannie-mae-and-freddie-mac-are-quietly-stockpiling-mortgages\/mailto:Matt@Inman.com\"><em>Email Matt Carter<\/em><\/a><\/p>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Quick Read Fannie Mae and Freddie Mac have increased their retained mortgage portfolios by $55 billion since May 2025, growing combined holdings from $178.5 billion to $233.6 billion. Purchasing more mortgage-backed securities (MBS) and loans may help lower mortgage rates by easing investor demand pressures, with Fannie and Freddie buying $13 billion monthly in the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":346280,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[168708,168709,168710,168711,168712,168713,168714,168715,168716,156634,168717,168718,168719,168720,100925,168721,117026,168722,168723,168724,168725,96704],"tags":[50961,55466,11553,8117,21543,25737,39584],"dealstore":[],"offerexpiration":[],"class_list":["post-346279","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-30-10-spread","category-bill-pulte","category-chla","category-community-home-lenders-of-america","category-conservatorship","category-fannie-mae","category-federal-home-loan-mortgage-corporation","category-federal-housing-finance-agency","category-federal-national-mortgage-association","category-federal-reserve","category-freddie-mac","category-icba","category-independent-community-bankers-of-america","category-mbs","category-mortgage-rates","category-mortgage-backed-securities","category-national-association-of-realtors","category-public-offering","category-quantitative-easing","category-retained-mortgage-portfolios","category-scott-bessent","category-select","tag-fannie","tag-freddie","tag-mac","tag-mae","tag-mortgages","tag-quietly","tag-stockpiling"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fannie Mae and Freddie Mac are quietly stockpiling mortgages - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=346279\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fannie Mae and Freddie Mac are quietly stockpiling mortgages - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Quick Read Fannie Mae and Freddie Mac have increased their retained mortgage portfolios by $55 billion since May 2025, growing combined holdings from $178.5 billion to $233.6 billion. Purchasing more mortgage-backed securities (MBS) and loans may help lower mortgage rates by easing investor demand pressures, with Fannie and Freddie buying $13 billion monthly in the [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fivemor.com\/?p=346279\" \/>\n<meta property=\"og:site_name\" content=\"Som2ny Network\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-16T02:32:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/12\/MURDOCK-1860x1046-39-1024x576.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"576\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/fivemor.com\/?p=346279#article\",\"isPartOf\":{\"@id\":\"https:\/\/fivemor.com\/?p=346279\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371\"},\"headline\":\"Fannie Mae and Freddie Mac are quietly stockpiling mortgages\",\"datePublished\":\"2025-12-16T02:32:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/fivemor.com\/?p=346279\"},\"wordCount\":1028,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/fivemor.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/fivemor.com\/?p=346279#primaryimage\"},\"thumbnailUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/12\/MURDOCK-1860x1046-39-1024x576.jpg\",\"keywords\":[\"Fannie\",\"Freddie\",\"Mac\",\"Mae\",\"Mortgages\",\"Quietly\",\"Stockpiling\"],\"articleSection\":[\"30-10 spread\",\"Bill Pulte\",\"CHLA\",\"Community Home Lenders of America\",\"conservatorship\",\"fannie mae\",\"Federal Home Loan Mortgage Corporation\",\"Federal Housing Finance Agency\",\"federal national mortgage association\",\"Federal Reserve\",\"freddie mac\",\"ICBA\",\"Independent Community Bankers of America\",\"MBS\",\"Mortgage Rates\",\"mortgage-backed securities\",\"national association of realtors\",\"public offering\",\"quantitative easing\",\"Retained Mortgage Portfolios\",\"Scott Bessent\",\"Select\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/fivemor.com\/?p=346279#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fivemor.com\/?p=346279\",\"url\":\"https:\/\/fivemor.com\/?p=346279\",\"name\":\"Fannie Mae and Freddie Mac are quietly stockpiling mortgages - Som2ny Network\",\"isPartOf\":{\"@id\":\"https:\/\/fivemor.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/fivemor.com\/?p=346279#primaryimage\"},\"image\":{\"@id\":\"https:\/\/fivemor.com\/?p=346279#primaryimage\"},\"thumbnailUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/12\/MURDOCK-1860x1046-39-1024x576.jpg\",\"datePublished\":\"2025-12-16T02:32:14+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/fivemor.com\/?p=346279#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/fivemor.com\/?p=346279\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/fivemor.com\/?p=346279#primaryimage\",\"url\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/12\/MURDOCK-1860x1046-39-1024x576.jpg\",\"contentUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/12\/MURDOCK-1860x1046-39-1024x576.jpg\",\"width\":1024,\"height\":576},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/fivemor.com\/?p=346279#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/fivemor.com\/?bp_activities=1\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Fannie Mae and Freddie Mac are quietly stockpiling mortgages\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/fivemor.com\/#website\",\"url\":\"https:\/\/fivemor.com\/\",\"name\":\"Som2ny Network\",\"description\":\"Daily Deals\",\"publisher\":{\"@id\":\"https:\/\/fivemor.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/fivemor.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/fivemor.com\/#organization\",\"name\":\"Som2ny Network\",\"url\":\"https:\/\/fivemor.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png\",\"contentUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png\",\"width\":300,\"height\":86,\"caption\":\"Som2ny Network\"},\"image\":{\"@id\":\"https:\/\/fivemor.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Ffivemor.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Ffivemor.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png\",\"caption\":\"admin\"},\"sameAs\":[\"https:\/\/fivemor.com\"],\"url\":\"https:\/\/fivemor.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Fannie Mae and Freddie Mac are quietly stockpiling mortgages - Som2ny Network","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fivemor.com\/?p=346279","og_locale":"en_US","og_type":"article","og_title":"Fannie Mae and Freddie Mac are quietly stockpiling mortgages - Som2ny Network","og_description":"Quick Read Fannie Mae and Freddie Mac have increased their retained mortgage portfolios by $55 billion since May 2025, growing combined holdings from $178.5 billion to $233.6 billion. Purchasing more mortgage-backed securities (MBS) and loans may help lower mortgage rates by easing investor demand pressures, with Fannie and Freddie buying $13 billion monthly in the [&hellip;]","og_url":"https:\/\/fivemor.com\/?p=346279","og_site_name":"Som2ny Network","article_published_time":"2025-12-16T02:32:14+00:00","og_image":[{"width":1024,"height":576,"url":"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/12\/MURDOCK-1860x1046-39-1024x576.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/fivemor.com\/?p=346279#article","isPartOf":{"@id":"https:\/\/fivemor.com\/?p=346279"},"author":{"name":"admin","@id":"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371"},"headline":"Fannie Mae and Freddie Mac are quietly stockpiling mortgages","datePublished":"2025-12-16T02:32:14+00:00","mainEntityOfPage":{"@id":"https:\/\/fivemor.com\/?p=346279"},"wordCount":1028,"commentCount":0,"publisher":{"@id":"https:\/\/fivemor.com\/#organization"},"image":{"@id":"https:\/\/fivemor.com\/?p=346279#primaryimage"},"thumbnailUrl":"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/12\/MURDOCK-1860x1046-39-1024x576.jpg","keywords":["Fannie","Freddie","Mac","Mae","Mortgages","Quietly","Stockpiling"],"articleSection":["30-10 spread","Bill Pulte","CHLA","Community Home Lenders of America","conservatorship","fannie mae","Federal Home Loan Mortgage Corporation","Federal Housing Finance Agency","federal national mortgage association","Federal Reserve","freddie mac","ICBA","Independent Community Bankers of America","MBS","Mortgage Rates","mortgage-backed securities","national association of realtors","public offering","quantitative easing","Retained Mortgage Portfolios","Scott Bessent","Select"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/fivemor.com\/?p=346279#respond"]}]},{"@type":"WebPage","@id":"https:\/\/fivemor.com\/?p=346279","url":"https:\/\/fivemor.com\/?p=346279","name":"Fannie Mae and Freddie Mac are quietly stockpiling mortgages - Som2ny Network","isPartOf":{"@id":"https:\/\/fivemor.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/fivemor.com\/?p=346279#primaryimage"},"image":{"@id":"https:\/\/fivemor.com\/?p=346279#primaryimage"},"thumbnailUrl":"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/12\/MURDOCK-1860x1046-39-1024x576.jpg","datePublished":"2025-12-16T02:32:14+00:00","breadcrumb":{"@id":"https:\/\/fivemor.com\/?p=346279#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/fivemor.com\/?p=346279"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/fivemor.com\/?p=346279#primaryimage","url":"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/12\/MURDOCK-1860x1046-39-1024x576.jpg","contentUrl":"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/12\/MURDOCK-1860x1046-39-1024x576.jpg","width":1024,"height":576},{"@type":"BreadcrumbList","@id":"https:\/\/fivemor.com\/?p=346279#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/fivemor.com\/?bp_activities=1"},{"@type":"ListItem","position":2,"name":"Fannie Mae and Freddie Mac are quietly stockpiling mortgages"}]},{"@type":"WebSite","@id":"https:\/\/fivemor.com\/#website","url":"https:\/\/fivemor.com\/","name":"Som2ny Network","description":"Daily Deals","publisher":{"@id":"https:\/\/fivemor.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/fivemor.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/fivemor.com\/#organization","name":"Som2ny Network","url":"https:\/\/fivemor.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/fivemor.com\/#\/schema\/logo\/image\/","url":"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png","contentUrl":"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png","width":300,"height":86,"caption":"Som2ny Network"},"image":{"@id":"https:\/\/fivemor.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/fivemor.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Ffivemor.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Ffivemor.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png","caption":"admin"},"sameAs":["https:\/\/fivemor.com"],"url":"https:\/\/fivemor.com\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/posts\/346279","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=346279"}],"version-history":[{"count":0,"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/posts\/346279\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=\/wp\/v2\/media\/346280"}],"wp:attachment":[{"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=346279"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=346279"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=346279"},{"taxonomy":"dealstore","embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fdealstore&post=346279"},{"taxonomy":"offerexpiration","embeddable":true,"href":"https:\/\/fivemor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fofferexpiration&post=346279"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}