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    <item>
      <title>Nonbanks See Rebound in Mortgage-Banking Income</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Most of the overall increase in nonbank mortgage-banking income in the first quarter of 2026 came from Rithm Capital, which saw a big improvement on the servicing side. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237463</guid>
      <pubDate>Fri, 15 May 2026 14:10:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237463-nonbanks-see-rebound-in-mortgage-banking-income</link>
    </item>
    <item>
      <title>Rate Tops Correspondent Sellers in 2025</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Rate emerged as the top correspondent seller in 2025, delivering $18.58 billion of mortgages to unaffiliated non-agency buyers, a sharp 36.4% increase on an annual basis. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237482</guid>
      <pubDate>Fri, 15 May 2026 14:07:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237482-correspondent-sales-increase-in-2025-rate-tops-lenders</link>
    </item>
    <item>
      <title>Iran War, Inflation Hurt Real Estate Investor Sentiment</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[The outlook among real estate investors is at its lowest level in the last three years, due in part to the war in Iran.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237481</guid>
      <pubDate>Fri, 15 May 2026 14:04:11 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237481-war-in-iran-high-prices-causes-investor-sentiment-to-drop</link>
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    <item>
      <title>Housing Affordability at the Forefront for Homebuyers</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[As parts of the country see a boost in housing inventory, housing affordability is the primary factor preventing consumers from diving into the homebuying process.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237487</guid>
      <pubDate>Fri, 15 May 2026 14:03:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237487-housing-affordability-forefront-of-homebuyers</link>
    </item>
    <item>
      <title>Impac Declares Bankruptcy After Years of Challenges</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Market turmoil, the COVID-19 pandemic and other challenges finally pushed Impac Mortgage Holdings to file for Chapter 11 bankruptcy in April.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237489</guid>
      <pubDate>Fri, 15 May 2026 14:02:15 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237489-impacs-broker-shift-leads-to-bankruptcy</link>
    </item>
    <item>
      <title>GSE Deliveries Increase in April, Credit Box Tightens</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Single-family MBS issuance by Fannie Mae and Freddie Mac increased by 8.5% from March to April. Lenders boosted their deliveries without compromising on underwriting standards for purchase mortgages. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237470</guid>
      <pubDate>Fri, 15 May 2026 12:10:11 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237470-gse-deliveries-increase-in-april-credit-box-tightens</link>
    </item>
    <item>
      <title>Lenders, Investors Wait for Historical FICO 10T Data</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Both VantageScore and FICO have commissioned research to support their claims of superiority. But the truth probably won’t be known until VantageScore 4.0 and FICO 10T compete head-to-head.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237442</guid>
      <pubDate>Fri, 15 May 2026 12:08:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237442-comparing-vantagescore-40-and-fico-10t</link>
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      <title>FHLBs Describe Synchrony With Federal Reserve</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Two main sources for lender liquidity are working to improve communication and simplify collateral exchange.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237441</guid>
      <pubDate>Fri, 15 May 2026 12:06:16 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237441-fhlbs-describe-synchrony-with-federal-reserve</link>
    </item>
    <item>
      <title>Freddie Releases Servicing Roadmap, Updates Scorecard</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Changes to the scorecard focus on enhancing homeowner engagement strategies, and reducing delinquencies, servicers’ operational costs and credit losses to the enterprise.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237498</guid>
      <pubDate>Fri, 15 May 2026 12:05:45 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237498-freddie-releases-servicing-roadmap-updates-scorecard</link>
    </item>
    <item>
      <title>CMBS Issuance Stumbles in 1Q as Agency Sags</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Issuance of non-agency CMBS was up 13% from the fourth quarter to $41 billion, including big gains in retail, office and multifamily. But agency multifamily MBS production fell 22%. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237443</guid>
      <pubDate>Thu, 14 May 2026 15:00:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237443-cmbs-issuance-stumbles-in-1q26-as-agency-multi-sags</link>
    </item>
    <item>
      <title>Onity Cuts Size of MSR Deal With FoA on Ginnie Direction</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Onity revised the terms of its sale of home equity conversion mortgage servicing rights to Finance of America Reverse after receiving feedback from Ginnie Mae.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237472</guid>
      <pubDate>Thu, 14 May 2026 14:51:45 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237472-onity-restructures-reverse-msr-deal-with-foa</link>
    </item>
    <item>
      <title>Issuers Filling Non-Agency MBS With Called Loans</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Non-agency MBS stocked with loans called from previous issuance could provide attractive opportunities for investors, according to Goldman Sachs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237464</guid>
      <pubDate>Thu, 14 May 2026 14:32:07 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237464-non-agency-mbs-backed-by-loans-called-from-expanded-credit-mbs</link>
    </item>
    <item>
      <title>Oppenheimer Settles With FINRA Over CMO Mislabeling </title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[For two decades, the global investment firm allegedly mislabeled collateralized mortgage obligations issued by private entities as government or corporate bonds.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237466</guid>
      <pubDate>Thu, 14 May 2026 14:30:12 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237466-oppenheimer-settles-with-finra-on-cmo-marketing</link>
    </item>
    <item>
      <title>Kin Insurance Sees Strong Demand for Catastrophe Bond</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Kin Insurance issued a $335 million catastrophe bond last week, its largest offering to date.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237479</guid>
      <pubDate>Thu, 14 May 2026 14:29:11 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237479-kin-insurance-closed-its-largest-ever-catastrophe-bond</link>
    </item>
    <item>
      <title>Aviation ABS Insulated From Spirit Airlines’ Abrupt Closure</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Aircraft-lease ABS generally have low exposure to Spirit Airlines, and planes tied to Spirit are expected to be re-leased with little issue due to strong demand in the market.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237473</guid>
      <pubDate>Thu, 14 May 2026 14:28:14 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237473-aviation-abs-expected-to-fly-high-even-as-spirit-shutters</link>
    </item>
    <item>
      <title>American Airlines Secures $1.1 Billion in Aircraft Financing</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[American Airlines generated about $1.1 billion from the sale of enhanced equipment trust certificates. It will use the proceeds to purchase 17 new aircraft and refinance loans on 15 older aircraft.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237468</guid>
      <pubDate>Thu, 14 May 2026 14:27:16 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237468-american-secures-11-billion-in-aircraft-financing</link>
    </item>
    <item>
      <title>Primary MI Volume Down in 1Q26, Govt Share Edges Up</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[A boost in primary MI for refinance loans helped offset an across-the-board downturn in new coverage for purchase loans. Private MI earnings look to be on cruise control. (Includes four data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237449</guid>
      <pubDate>Thu, 14 May 2026 12:07:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237449-primary-mi-volume-down-in-1q26-govt-share-edges-up</link>
    </item>
    <item>
      <title>Lenders Brace for Spring Homebuying Flop</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The boost in originations typically seen during the second quarter won’t materialize this year, according to the CEO of Rocket.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237455</guid>
      <pubDate>Thu, 14 May 2026 12:05:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237455-lenders-brace-for-spring-homebuying-flop</link>
    </item>
    <item>
      <title>Borrower Retention Rate Declines in First Quarter</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Typically, when interest rates decline, as they did for much of the first quarter, retention rates increase. That wasn’t the case this time.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237465</guid>
      <pubDate>Thu, 14 May 2026 12:04:07 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237465-refi-retention-dips-in-1q</link>
    </item>
    <item>
      <title>Second Circuit Halts New York Interest-on-Escrow Effort</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Industry attorneys said the Second Circuit ruling for the second time in favor of federal preemption, in contrast to First and Ninth circuit rulings, increases the odds that SCOTUS will have to revisit the issue.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237462</guid>
      <pubDate>Thu, 14 May 2026 12:03:09 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237462-second-circuit-ruling-widens-federal-preemption-inconsistencies</link>
    </item>
    <item>
      <title>Carrington to Boost Ginnie Servicing With Valon Acquisition</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Carrington Mortgage is set to acquire Valon Mortgage, which primarily operates as a subservicer with a focus on Ginnie Mae loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237461</guid>
      <pubDate>Thu, 14 May 2026 12:00:16 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237461-carrington-acquires-servicer-to-boost-ginnie-business</link>
    </item>
    <item>
      <title>Ginnie Issuance Up Across the Board in April</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Issuance of loans to Ginnie Mae mortgage-backed securities hit a four-year peak in April, marked by strong refinance volume and rising activity involving loan modifications. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237407</guid>
      <pubDate>Fri, 08 May 2026 16:08:31 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237407-ginnie-issuance-up-across-the-board-in-april</link>
    </item>
    <item>
      <title>High-LTV-Ratio Borrowers Struggle to Compete</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Young homebuyers using low- to zero-downpayment loans, usually government-insured loans, can’t compete with cash buyers for single-family homes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237424</guid>
      <pubDate>Fri, 08 May 2026 16:05:34 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237424-low-ltv-loans-struggle-to-compete-for-sfhs</link>
    </item>
    <item>
      <title>Correspondent Sales Choppy Among Lenders in 2025</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Many top correspondent sellers of government loans increased sales by the double-digits in 2025 compared to 2024, while top seller Veterans United saw a decline. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237404</guid>
      <pubDate>Fri, 08 May 2026 16:04:36 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237404-correspondent-sales-activity-choppy-among-lenders-in-2025</link>
    </item>
    <item>
      <title>Around the Industry</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Ginnie guides Onity to restructure FoA deal; T&I to exceed some HECM borrowers’ set-asides; FHA applications rise; HUD sets multifamily caps for 2026; advocacy orgs warn of HUD’s attempt to expand data collection.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237431</guid>
      <pubDate>Fri, 08 May 2026 15:55:44 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237431-around-the-industry</link>
    </item>
    <item>
      <title>GSE-Eligible Loans, Refis Fuel Prime Non-Agency MBS</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Issuance of prime non-agency mortgage-backed securities increased by 17.0% on a quarterly basis in the first quarter of 2026. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237411</guid>
      <pubDate>Fri, 08 May 2026 13:15:47 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237411-prime-non-agency-mbs-up-with-gse-eligible-loans-refis</link>
    </item>
    <item>
      <title>Redwood Takes Loss in 1Q Amid Record Volume</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Redwood incurred a $5.5 million loss in the first quarter of 2026 even as mortgage-banking volume hit a record for the company.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237405</guid>
      <pubDate>Fri, 08 May 2026 13:12:48 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237405-redwood-reports-loss-for-1q-despite-record-volume</link>
    </item>
    <item>
      <title>Jumbo Correspondent Sellers Shift Strategies in 2025</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Correspondent sales of jumbo mortgages increased by 39.7% on an annual basis in 2025. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237408</guid>
      <pubDate>Fri, 08 May 2026 13:10:50 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237408-big-shifts-among-jumbo-correspondent-sellers-in-2025</link>
    </item>
    <item>
      <title>Pennymac REIT’s Income Drops in First Quarter</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Income at Pennymac Mortgage Investment Trust declined by more than 50% in the first quarter of 2026 as the real estate investment trust put an emphasis on non-agency activity.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237423</guid>
      <pubDate>Fri, 08 May 2026 13:09:51 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237423-pennymac-reit-income-sees-dip-in-1q</link>
    </item>
    <item>
      <title>EMCAP Financial Launches With a Focus on RTLs</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[The residential debt platform launched this week. It is led by a former executive at Fidelis Investors.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237392</guid>
      <pubDate>Fri, 08 May 2026 13:08:52 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237392-emcap-financial-launches-with-a-focus-on-rtls</link>
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