Trade group says data show lending standards are tightening.
Survey of bank executives finds balance returning to credit offered and credit taken.
FHFA says more than 2.5 million housing finance loans have now been done through HAP since 2009.
New entry into finance program marketplace.
The bulk of credit union and CUSO mortgage programs will see minimal impact from Fannie Mae and Freddie Mac limiting the secondary market to only qualified mortgages, according to credit union and CUSO executives.
Not much impact seen from Fannie Mae, Freddie Mac decision to buy only qualified mortgages after Jan. 10, 2014.
The biggest obstacles to credit unions launching or growing a housing finance program are lack of staff, concerns about compliance and a lack of leadership from the highest executive levels, according to credit union executives and housing finance consultants.
Training from within one way to address lack of availability of new employees with mortgage lending skills.
Two credit unions, NASA Federal Credit Union and Navy Federal Credit Union, are offering members mortgages without requiring any down payment or mortgage insurance.
CFPB director tells industry not to fear the ability-to-repay rule.