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Ginnie Mae Pauses FHA Loan Delinquency Reporting Until 2026

4/28/2026

24 5 Full Breakdown

Summary

Story summary

Ginnie Mae will temporarily exclude FHA trial payment plan loans from issuer delinquency calculations.
The exclusion applies to reporting due April 2, 2026 for March 2026 data and stays until 60-day notice.
President Joseph Gormley said the change responds to a surge in FHA loans after the 2025 loss-mitigation update.
Ginnie Mae will monitor the impact and may later review its delinquency-threshold policy.

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Story summary

Ginnie Mae will temporarily exclude FHA trial payment plan loans from issuer delinquency calculations.
The exclusion applies to reporting due April 2, 2026 for March 2026 data and stays until 60-day notice.
President Joseph Gormley said the change responds to a surge in FHA loans after the 2025 loss-mitigation update.
Ginnie Mae will monitor the impact and may later review its delinquency-threshold policy.