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    <title>Inside Mortgage Finance</title>
    <description>Inside Mortgage Finance</description>
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    <item>
      <title>Cars, Data Centers Drive 1Q26 ABS Issuance Surge</title>
      <description>
        <![CDATA[Total ABS issuance reached its second-highest quarterly total in the first three months of 2026. Securitization of auto loans and data-center revenue were key factors. (Includes three data tables.)]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 16:15:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237254-cars-data-centers-drive-1q26-abs-issuance-surge</link>
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    </item>
    <item>
      <title>Agency MBS Investors Looking Past Iran Volatility</title>
      <description>
        <![CDATA[The value of agency MBS declined sharply following the start of the war with Iran. More recently, volatility has declined, prompting some major agency MBS investors to see continued promise in the assets.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 16:12:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237283-agency-mbs-investors-looking-past-iran-volatility</link>
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    </item>
    <item>
      <title>More GSE-Eligible Loans Going Into Non-Agency MBS</title>
      <description>
        <![CDATA[Issuers are increasingly delivering GSE-eligible owner-occupied mortgages to non-agency MBS in a bid to diversify liquidity.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 16:10:31 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237285-gse-eligible-loans-increasingly-heading-to-private-mbs</link>
      <guid>http://www.insidemortgagefinance.com/articles/237285</guid>
    </item>
    <item>
      <title>GSEs Seen as Opportunistic Buyers of Agency MBS</title>
      <description>
        <![CDATA[Fannie Mae and Freddie Mac appear to be buying more MBS at times when spreads widen. They’re also hedging the purchases with interest rate swaps, according to industry participants.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 16:09:33 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237295-gses-seen-as-opportunistic-buyers-of-agency-mbs</link>
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    <item>
      <title>Trade Groups Press SEC for Relief From ABS Disclosures</title>
      <description>
        <![CDATA[The comment period on a concept release from the SEC to revise disclosure requirements on MBS and ABS closed in December. Since then, SEC officials have held a number of meetings with industry groups.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 16:08:35 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237266-groups-press-sec-for-relief-from-abs-disclosures</link>
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    </item>
    <item>
      <title>Ginnie Assuages Fears Over FHA Delinquencies </title>
      <description>
        <![CDATA[Ginnie Mae attributed the rapid increase in severe FHA delinquencies to FHA’s trial payment plans rather than weakening performance.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 16:07:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237267-ginnie-assuages-fha-dq-fears</link>
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    <item>
      <title>Lawmakers Endorse CRT, With Some Caveats</title>
      <description>
        <![CDATA[Democrats questioned the risk-management effects of CRT at Fannie Mae and Freddie Mac under FHFA Director Bill Pulte.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 16:06:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237294-lawmakers-endorse-crt-with-some-caveats</link>
      <guid>http://www.insidemortgagefinance.com/articles/237294</guid>
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    <item>
      <title>Many Upgrades of Non-Agency MBS by Fitch</title>
      <description>
        <![CDATA[After publishing new rating criteria for non-agency MBS, Fitch Ratings upgraded thousands of tranches.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 16:05:41 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237293-many-upgrades-of-rmbs-by-fitch-following-change</link>
      <guid>http://www.insidemortgagefinance.com/articles/237293</guid>
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    <item>
      <title>Private MI Share Increases on GSE Purchase-Mortgage Business</title>
      <description>
        <![CDATA[GSE purchase-mortgage volume with private MI held up a little better on a quarterly basis than GSE business without private MI in the first quarter of 2026. (Includes three data tables.)]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 12:12:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237263-private-mi-share-of-gse-business-up-in-first-quarter</link>
      <guid>http://www.insidemortgagefinance.com/articles/237263</guid>
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      <title>VantageScore 4.0 Is a Go at the GSEs, FHA to Follow</title>
      <description>
        <![CDATA[FHFA Director Bill Pulte said 21 large lenders will roll out the new score with the GSEs, though all lenders are eligible. FHA also plans to accept VantageScore and FICO 10T.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 12:10:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237281-vantagescore-40-is-a-go</link>
      <guid>http://www.insidemortgagefinance.com/articles/237281</guid>
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    <item>
      <title>CFPB Issues Final Rule Rejecting Disparate-Impact Liability</title>
      <description>
        <![CDATA[The final rule eliminating disparate impact from enforcement of the Equal Credit Opportunity Act was issued as it was proposed in November, despite more than 64,000 comments on the proposal.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 12:09:04 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237268-cfpb-publishes-unchanged-ecoa-final-rule</link>
      <guid>http://www.insidemortgagefinance.com/articles/237268</guid>
    </item>
    <item>
      <title>MBA Wants CFPB to Include Trump EO in Strategic Plan</title>
      <description>
        <![CDATA[The trade group called for the CFPB to implement regulatory reforms across the board so that all sizes of lenders can see lower costs and boost mortgage access.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 12:07:08 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237265-cfpb-pressed-to-include-trump-mortgage-directives-in-strategic-plan</link>
      <guid>http://www.insidemortgagefinance.com/articles/237265</guid>
    </item>
    <item>
      <title>Opportunity in Non-Agency Market as Rates Remain Flat</title>
      <description>
        <![CDATA[The relatively level trajectory for interest rates presents an opportunity for more lenders to offer non-agency products, according to non-agency boosters.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 12:06:09 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237269-opportunity-in-non-agency-market-as-rates-remain-flat</link>
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    <item>
      <title>BAC Chases Credit Report Reform in Washington</title>
      <description>
        <![CDATA[Members of the Brokers Action Coalition headed to Capitol Hill this week in pursuit of lower costs for credit reports.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 12:04:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237273-bac-chases-credit-reform-in-washington</link>
      <guid>http://www.insidemortgagefinance.com/articles/237273</guid>
    </item>
    <item>
      <title>Lenders Challenged as Potential Homebuyers May Prefer Renting</title>
      <description>
        <![CDATA[With interest rates elevated, lenders are urged to highlight the wealth creation potential of homeownership to encourage renters to take the plunge and purchase a home.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 12:02:11 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237277-lenders-challenged-as-homebuyers-may-be-better-off-renting</link>
      <guid>http://www.insidemortgagefinance.com/articles/237277</guid>
    </item>
    <item>
      <title>NEXA Lending Plans MSR-Linked LO Comp Structure</title>
      <description>
        <![CDATA[The initiative could face regulatory hurdles, attorneys warned.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 12:01:12 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237276-nexa-lending-plans-msr-linked-lo-comp-structure</link>
      <guid>http://www.insidemortgagefinance.com/articles/237276</guid>
    </item>
    <item>
      <title>Broker Groups Urge Members to Foster Political Ties</title>
      <description>
        <![CDATA[Trade groups representing brokers emphasized the sway small businesses have over their local representatives.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 12:00:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237279-mortgage-groups-encourage-members-to-foster-political-relationships</link>
      <guid>http://www.insidemortgagefinance.com/articles/237279</guid>
    </item>
    <item>
      <title>GSEs, FHA Moving Forward With New Credit Scores</title>
      <description>
        <![CDATA[The GSEs will accept VantageScore 4.0 on a pilot basis. FHA will follow at a later date, along with plans for the GSEs and FHA to allow for use of FICO 10T.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237288-gses-fha-moving-forward-with-new-credit-scores</link>
      <guid>http://www.insidemortgagefinance.com/articles/237288</guid>
    </item>
    <item>
      <title>Delinquency Recovery Less Robust in First Quarter of 2026</title>
      <description>
        <![CDATA[The main difference in 2026 was that later-stage delinquencies increased.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237289-delinquency-recovery-less-robust-in-first-quarter-of-2026</link>
      <guid>http://www.insidemortgagefinance.com/articles/237289</guid>
    </item>
    <item>
      <title>Fannie Economists Revise Rate Forecast Sharply Higher</title>
      <description>
        <![CDATA[Now, the economists project that the average interest rate for a 30-year fixed-rate mortgage will decline to only 6.1% in the fourth quarter.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237290-fannie-economists-revise-rate-forecast-sharply-higher</link>
      <guid>http://www.insidemortgagefinance.com/articles/237290</guid>
    </item>
    <item>
      <title>Mortgage Complaints to CFPB Increase in First Quarter</title>
      <description>
        <![CDATA[Increases were recorded across all four complaint categories, covering both servicing and originations.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237292-mortgage-complaints-to-cfpb-increase-in-first-quarter</link>
      <guid>http://www.insidemortgagefinance.com/articles/237292</guid>
    </item>
    <item>
      <title>Short Takes: Adverse Selection Risk? / New Pricing From FICO / Pulte Defers to Trump on GSE Reform / SoFi Offering HELOCs</title>
      <description>
        <![CDATA[FHFA Director Bill Pulte dismissed concerns about adverse selection risk tied to the optionality for lenders on FICO scores and VantageScore.]]>
      </description>
      <pubDate>Thu, 23 Apr 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237291-short-takes-adverse-selection-risk-new-pricing-from-fico-pulte-defers-to-trump-on-gse-reform-sofi-offering-helocs</link>
      <guid>http://www.insidemortgagefinance.com/articles/237291</guid>
    </item>
    <item>
      <title>Depository Share of GSE Servicing Increases in 1Q</title>
      <description>
        <![CDATA[According to a new analysis by <em>Inside The GSEs</em>, depositories serviced 38.2% of the loans in Fannie Mae and Freddie Mac mortgage-backed securities at the end of the first quarter of 2026, up from a 38.0% share at the end of 2025.]]>
      </description>
      <pubDate>Wed, 22 Apr 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237270-depository-share-of-gse-servicing-increases-in-1q</link>
      <guid>http://www.insidemortgagefinance.com/articles/237270</guid>
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    <item>
      <title>Margins Increase at AmeriHome Owner in First Quarter</title>
      <description>
        <![CDATA[Western Alliance generated a gain-on-sale margin of 37 basis points in the first quarter, up from a 30-bp margin the previous quarter.]]>
      </description>
      <pubDate>Wed, 22 Apr 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237271-margins-increase-at-amerihome-owner-in-first-quarter</link>
      <guid>http://www.insidemortgagefinance.com/articles/237271</guid>
    </item>
    <item>
      <title>Brokers Look to Reduce Credit Report Costs</title>
      <description>
        <![CDATA[The Brokers Action Coalition is proposing to reduce the number of pulls by allowing borrowers to take their credit reports with them when they shop for mortgages.]]>
      </description>
      <pubDate>Wed, 22 Apr 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237275-brokers-look-to-reduce-credit-report-costs</link>
      <guid>http://www.insidemortgagefinance.com/articles/237275</guid>
    </item>
    <item>
      <title>Annaly Turns Profit in First Quarter Despite Agency MBS Issues</title>
      <description>
        <![CDATA[Annaly’s income dropped by 71.5% compared with the fourth quarter. But the real estate investment trust was profitable while other REITs that focus on agency MBS have posted losses for the first quarter.]]>
      </description>
      <pubDate>Wed, 22 Apr 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237272-annaly-turns-profit-in-first-quarter-despite-agency-mbs-issues</link>
      <guid>http://www.insidemortgagefinance.com/articles/237272</guid>
    </item>
    <item>
      <title>Short Takes: Mortgage Applications Increase / Pending Home Sales Down on Annual Basis in March / Sale Prices Down at D.R. Horton / Confidence Score for AVM Estimates</title>
      <description>
        <![CDATA[Applications for both purchase mortgages and refinances increased last week as interest rates declined.]]>
      </description>
      <pubDate>Wed, 22 Apr 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237274-short-takes-mortgage-applications-increase-pending-home-sales-down-on-annual-basis-in-march-sale-prices-down-at-dr-horton-confidence-score-for-avm-estimates</link>
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    </item>
    <item>
      <title>Non-Agency MBS Issuance Hits Post-Crisis High in 1Q</title>
      <description>
        <![CDATA[A total of $69.89 billion of non-agency MBS came to market in the first three months of the year, a 34.8% increase from the fourth quarter.]]>
      </description>
      <pubDate>Tue, 21 Apr 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237256-non-agency-mbs-issuance-hits-post-crisis-high-in-1q</link>
      <guid>http://www.insidemortgagefinance.com/articles/237256</guid>
    </item>
    <item>
      <title>ECOA Final Rule From CFPB Unchanged Following Proposal</title>
      <description>
        <![CDATA[Mortgage industry participants largely backed the proposed rule while consumer advocates had strong opposition.]]>
      </description>
      <pubDate>Tue, 21 Apr 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237261-ecoa-final-rule-from-cfpb-unchanged-following-proposal</link>
      <guid>http://www.insidemortgagefinance.com/articles/237261</guid>
    </item>
    <item>
      <title>AGNC Takes Loss in First Quarter With Agency MBS Volatility</title>
      <description>
        <![CDATA[Changes in the fair value of agency mortgage-backed securities led to a $148 million loss at AGNC Investment in the first quarter of 2026.]]>
      </description>
      <pubDate>Tue, 21 Apr 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237257-agnc-takes-loss-in-first-quarter-with-agency-mbs-volatility</link>
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