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    <item>
      <title>FHLBanks Push for Regulatory Reforms</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Federal Home Loan Bank trade group supports President Trump’s executive order on improving access to mortgage credit.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237228</guid>
      <pubDate>Fri, 17 Apr 2026 14:09:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237228-fhlbs-lobby-for-regulatory-reform</link>
    </item>
    <item>
      <title>Fannie Sets Guardrails for AI/ML</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie Mae belatedly joined Freddie Mac in establishing ground rules for seller/servicers that deploy or manage artificial intelligence or machine learning tools while doing business with the enterprise.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237219</guid>
      <pubDate>Fri, 17 Apr 2026 14:08:04 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237219-fannie-sets-guardrails-for-ai-ml</link>
    </item>
    <item>
      <title>GSEs Take Diverging Paths on Debt</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie Mae extended duration by shifting from short- to long-term debt, but allowed overall debt to grow. Freddie de-levered by cutting short-term debt without adding to long-term debt.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237235</guid>
      <pubDate>Fri, 17 Apr 2026 14:06:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237235-gses-take-diverging-paths-on-debt</link>
    </item>
    <item>
      <title>Rural DTS Lending Doesn’t Follow Inflationary Model</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Since 2016, when the duty-to-serve rule compelled the GSEs to make it easier to buy homes in rural census tracts, home prices have remained mostly stable and rents have declined.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237218</guid>
      <pubDate>Fri, 17 Apr 2026 14:04:07 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237218-dts-lending-doesnt-follow-inflationary-model</link>
    </item>
    <item>
      <title>Freddie Tweaks Flex Mod Rules</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Servicers will now have some leeway in how they execute flex loan modifications.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237238</guid>
      <pubDate>Fri, 17 Apr 2026 14:02:09 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237238-freddie-tweaks-flex-mod-rules</link>
    </item>
    <item>
      <title>Freddie Mac Adjusts Multifamily Small-Balance Loan Program</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The move will increase the size of eligible loans and the number of units allowed, but stiffer qualification requirements may alienate smaller landlords.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237215</guid>
      <pubDate>Fri, 17 Apr 2026 14:01:12 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237215-freddie-mac-merges-sbl-and-conventional-programs</link>
    </item>
    <item>
      <title>GSE Roundup</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Trump budget ignores GSE reform; Morningstar DBRS affirms AAA ratings on GSEs; Vice Capital an early adopter of new low loan balance payment categories; Fannie to simplify income eligibility calculations for some LLPA waivers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237239</guid>
      <pubDate>Fri, 17 Apr 2026 14:00:14 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237239-gse-roundup</link>
    </item>
    <item>
      <title>Bulk Agency MSR Sales Back to Normal in First Quarter</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Carrington Mortgage Services was the top bulk buyer of agency MSR in the first quarter of 2026, thanks to a large acquisition of Ginnie servicing from Pennymac. Bayview Asset Management was the top buyer in the coissuance market. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237229</guid>
      <pubDate>Fri, 17 Apr 2026 12:20:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237229-bulk-agency-msr-sales-back-to-normal-in-1q26</link>
    </item>
    <item>
      <title>Racial Differences Seen in Property Tax Assessments</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Automated appraisal models are contributing to disparities in property taxes between different populations, according to consumer advocates.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237234</guid>
      <pubDate>Fri, 17 Apr 2026 12:04:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237234-property-tax-gaps-persist-between</link>
    </item>
    <item>
      <title>ECM Drives Non-Agency MBS Issuance in Early 2026</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Non-agency MBS issuance hit its highest level since the third quarter of 2007, largely because of surging production of the new generation of Alt A and subprime deals. JPMorgan Chase was the top issuer and top underwriter in the first quarter. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237211</guid>
      <pubDate>Thu, 16 Apr 2026 16:10:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237211-ecm-drives-non-agency-mbs-issuance-in-early-2026</link>
    </item>
    <item>
      <title>PIMCO Skeptical of Trump Administration’s Affordability Plans</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Experts at the bond giant criticized the random MBS purchases, GSE public offering plans and guarantee-fee reductions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237198</guid>
      <pubDate>Thu, 16 Apr 2026 16:08:20 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237198-pimco-skeptical-of-administrations-affordability-plans</link>
    </item>
    <item>
      <title>Industry Group Weighs Risks of GSE Reform</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Treasury Market Practices Group released a white paper identifying how a change in the ownership structure of Fannie Mae and Freddie Mac could impact the broader financial markets.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237199</guid>
      <pubDate>Thu, 16 Apr 2026 16:06:51 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237199-federal-reserve-group-weighs-risks-of-gse-reform</link>
    </item>
    <item>
      <title>First Municipal Bond Tied to Bitcoin Assessed as CLO</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The New Hampshire Business Finance Authority’s bitcoin-backed municipal bond received preliminary ratings under Moody’s structured finance framework.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237188</guid>
      <pubDate>Thu, 16 Apr 2026 16:05:23 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237188-junk-bitcoin-bonds-build-on-crypto-credit-craze</link>
    </item>
    <item>
      <title>Boat ABS Issuer Delays Planned Inaugural Securitization</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[RecFi was set to issue a $143.3 million ABS backed by loans for boats and recreational vehicles. The issuer indefinitely postponed the issuance amid volatility in the financial markets.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237216</guid>
      <pubDate>Thu, 16 Apr 2026 16:04:26 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237216-boat-abs-issuer-delays-planned-inaugural-securitization</link>
    </item>
    <item>
      <title>Modeling Prepayment Risk With Machine Learning</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Combining machine learning techniques with more traditional accounting is making it possible to predict both whether a loan will prepay and when.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237170</guid>
      <pubDate>Thu, 16 Apr 2026 16:02:28 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237170-modeling-prepayment-risk-with-ml</link>
    </item>
    <item>
      <title>Residential Solar ABS Experiences Continued Stress</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Numerous factors are driving down solar ABS performance, including the end of tax breaks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237217</guid>
      <pubDate>Thu, 16 Apr 2026 16:01:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237217-solar-abs-sector-experiences-continued-stress</link>
    </item>
    <item>
      <title>Recovery Gap Narrows on Consumer ABS</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Recovery rates for ABS tied to prime unsecured consumer loans are converging with those for nonprime loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237214</guid>
      <pubDate>Thu, 16 Apr 2026 16:00:32 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237214-gap-tightens-between-prime-and-non-prime-unsecured-consumer-abs</link>
    </item>
    <item>
      <title>Agency Servicing Market Subdued in Early 2026</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Depository institutions increased their share of the agency servicing market slightly in the first quarter of 2026 as a handful of banks bought GSE MSR in the bulk market. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237203</guid>
      <pubDate>Thu, 16 Apr 2026 11:30:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237203-agency-servicing-market-subdued-in-early-2026</link>
    </item>
    <item>
      <title>MBA Set to Hit Capitol Hill With Fresh Policy Agenda</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The trade group plans to target provisions in the bipartisan housing package moving through Congress, including efforts to deter corporate investors from buying single-family homes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237200</guid>
      <pubDate>Thu, 16 Apr 2026 11:28:28 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237200-mba-hits-the-hill-with-fresh-policy-agenda</link>
    </item>
    <item>
      <title>FHFA’s Scrapped Press Conference Fires Rumor Mill</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Industry watchers believe the abruptly cancelled FHFA/HUD press conference was tied to implementation of VantageScore 4.0.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237195</guid>
      <pubDate>Thu, 16 Apr 2026 11:25:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237195-fhfa-and-hud-postpone-major-housing-announcement</link>
    </item>
    <item>
      <title>Senior HUD Official Clashes With Fair Housing Advocates</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[A HUD official warned that he would unleash an “investigative storm” on fair housing advocates who violate the Fair Housing Act.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237209</guid>
      <pubDate>Thu, 16 Apr 2026 11:24:32 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237209-hud-official</link>
    </item>
    <item>
      <title>Big Banks Increase Lending on Annual Basis in 1Q</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[BofA, Chase and Wells all increased production by more than 40% on an annual basis in the first quarter of 2026. But demand for mortgages diminished in March amid rising interest rates.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237208</guid>
      <pubDate>Thu, 16 Apr 2026 11:22:43 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237208-big-banks-increase-lending-on-annual-basis-in-1q</link>
    </item>
    <item>
      <title>HUD Official Clashes With Fair Housing Advocates</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Craig Trainor, assistant secretary for Fair Housing and Equal Opportunity at HUD, warned fair housing advocates that if they aren't compliant with the law, he would bring an "investigative storm" against them.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237201</guid>
      <pubDate>Wed, 15 Apr 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237201-hud-official-clashes-with-fair-housing-advocates</link>
    </item>
    <item>
      <title>Seasonal Slowdown Hits Ginnie Issuance in First Quarter</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Ginnie Mae MBS issuance declined 10.7% in the first quarter of 2026 due to a seasonal slowdown in purchase lending. Refinance activity held steady, helped by FHA business. (Includes four data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237173</guid>
      <pubDate>Fri, 10 Apr 2026 15:15:36 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237173-seasonal-slowdown-for-ginnie-issuance-in-1q</link>
    </item>
    <item>
      <title>Non-Agency MBS Issuance Heads Higher in First Quarter</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Issuance of non-agency MBS backed by newly originated mortgages increased by 34.2% on a quarterly basis in the first quarter of 2026. (Includes data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237153</guid>
      <pubDate>Fri, 10 Apr 2026 13:13:19 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237153-non-agency-mbs-issuance-heads-higher-in-first-quarter</link>
    </item>
    <item>
      <title>Non-QM Performance Worsens in February</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[The impairment rate on non-qualified mortgages increased by 51 basis points in February, driven by a mix of higher new impairments and further deterioration in cure and made-payment rates, according to dv01.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237168</guid>
      <pubDate>Fri, 10 Apr 2026 13:12:20 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237168-non-qm-performance-worsens-in-february</link>
    </item>
    <item>
      <title>Non-QM Borrowers Weather Home Price Depreciation</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Weakness in the housing market last year did not materially impact non-qualified mortgage delinquency rates, according to research by Goldman Sachs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237142</guid>
      <pubDate>Fri, 10 Apr 2026 13:11:21 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237142-non-qm-delinquencies-are-unaffected-by-home-price-depreciation</link>
    </item>
    <item>
      <title>Mixed Trends in GSE Noncore Activity in First Quarter</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Conforming jumbo mortgage volume delivered into Fannie Mae and Freddie Mac MBS fell on a quarterly basis in the first quarter, but activity was up for investment-property and second-home mortgages. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237140</guid>
      <pubDate>Fri, 10 Apr 2026 13:10:23 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237140-mixed-trends-in-gse-noncore-activity-in-1q</link>
    </item>
    <item>
      <title>Multiple Methods Available to Hedge Non-QMs</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[With growing demand for non-qualified mortgage production, Eris Innovations outlined four methods to hedge non-QMs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237172</guid>
      <pubDate>Fri, 10 Apr 2026 13:09:26 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237172-eris-pushing-methods-to-hedge-non-qm</link>
    </item>
    <item>
      <title>Beeline’s Income Drops in Fourth Quarter</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[The non-agency lender incurred an $8.4 million loss for the fourth quarter. Still, officials pointed to better days ahead.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237155</guid>
      <pubDate>Fri, 10 Apr 2026 13:08:28 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237155-beelines-income-drops-in-fourth-quarter</link>
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