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    <title>Inside Mortgage Finance</title>
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      <title>High Demand for Mortgages Raises Rate, Processing Time</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Economists quantify the impact of demand shocks on lender-set rates and origination efficiency.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237040</guid>
      <pubDate>Fri, 03 Apr 2026 11:00:25 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237040-mortgage-demand-and-lender-rates</link>
    </item>
    <item>
      <title>Home Equity Loan Originations Decline in Fourth Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Even with a 9.0% decline during the fourth quarter, production of home equity loans in 2025 was up 25.1% on an annual basis. Both depositories and nonbanks had a hand in boosting production. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237042</guid>
      <pubDate>Thu, 26 Mar 2026 12:10:21 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237042-home-equity-loan-originations-decline-in-fourth-quarter</link>
    </item>
    <item>
      <title>Revamped Basel Proposal Not Attractive Enough for Banks</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[New guidelines would eliminate the threshold-based deduction for mortgage servicing rights and apply a 250% risk weight to the assets.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237038</guid>
      <pubDate>Thu, 26 Mar 2026 12:09:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237038-basel-re-proposal-not-enough-to-bring-big-banks-back-to-mortgage</link>
    </item>
    <item>
      <title>State Regulators Not Ready to Reform Nonbank Supervision</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[State regulators are still in the early stages of considering changes to how the largest nonbank mortgage companies are supervised.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237039</guid>
      <pubDate>Thu, 26 Mar 2026 12:08:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237039-state-regulators-not-ready-to-reform-nonbank-supervision</link>
    </item>
    <item>
      <title>Concerns Emerge for GSEs’ New Condo Rules</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Stakeholders believe that while the new rules will reduce insurance costs, they will raise other costs, including for condo dwellers who don’t plan to buy, sell or refinance.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237029</guid>
      <pubDate>Thu, 26 Mar 2026 12:06:25 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237029-concerns-emerge-for-new-condo-rules</link>
    </item>
    <item>
      <title>Immigration Enforcement Deters Latino Homebuyers</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Latinos continue to lead homeownership gains, but the Trump administration’s immigration crackdown has put a damper on demand, according to the National Association of Hispanic Real Estate Professionals.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237028</guid>
      <pubDate>Thu, 26 Mar 2026 12:05:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237028-immigration-enforcement-deters-latino-homebuyers</link>
    </item>
    <item>
      <title>UWM Faces Competing Bids to Acquire Two Harbors</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[CrossCountry Mortgage has swooped in with a superior bid, prompting United Wholesale Mortgage to revise its bid for Two Harbors.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237044</guid>
      <pubDate>Thu, 26 Mar 2026 12:04:31 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237044-uwm-faces-competing-bids-to-acquire-two-harbors</link>
    </item>
    <item>
      <title>State AGs Sue to Block HUD Fair Housing Act Guidance</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The attorneys general said the guidance threatens to cut complaint referrals and funding to state and local fair housing agencies that provide protections that go beyond the federal Fair Housing Act.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237026</guid>
      <pubDate>Thu, 26 Mar 2026 12:02:33 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237026-hud-lawsuit</link>
    </item>
    <item>
      <title>Palantir, Moder Developing AI Platform for Freedom Mortgage</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The platform will translate mortgage guidelines and operational policies into configurable, testable and auditable rules.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237030</guid>
      <pubDate>Thu, 26 Mar 2026 12:01:35 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237030-palantir-moder-team-with-freedom-mortgage-on-ai-ops-platform</link>
    </item>
    <item>
      <title>Grapevine: Flagstar Back in Warehouse Lending; FICO Probe</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Flagstar offering warehouse loans through partnership; senator investigating FICO; Waters wants conference committee for housing bill.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237036</guid>
      <pubDate>Thu, 26 Mar 2026 12:00:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237036-grapevine-flagstar-back-in-warehouse-lending-fico-investigation</link>
    </item>
    <item>
      <title>Trump Orders Mortgage Regulation Rollback</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[A new executive order directs federal agencies to consider changing several major mortgage regulations in part to increase mortgage lending by smaller banks. Consumer advocates raised alarms.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236965</guid>
      <pubDate>Thu, 19 Mar 2026 13:58:57 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236965-trump-eo-floats-major-mortgage-regulatory-reform</link>
    </item>
    <item>
      <title>Bank Regulators Propose Loosening Capital Requirements</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The proposals would reduce capital requirements of banks in terms of mortgages held in portfolio and for mortgage servicing. Federal banking regulators said the goal is to help banks better compete with nonbanks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236987</guid>
      <pubDate>Thu, 19 Mar 2026 13:56:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236987-bank-regulators-propose-loosening-capital-requirements</link>
    </item>
    <item>
      <title>Divisions on Housing Bill Increase With Senate Passage</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Senate last week passed a revised version of legislation aimed at easing housing affordability. House leaders aren’t fully happy with the bill.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236969</guid>
      <pubDate>Thu, 19 Mar 2026 13:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236969-divisions-on-housing-bill-increase-with-senate-passage</link>
    </item>
    <item>
      <title>Big Shifts in Subservicing in 2025, More in the Works</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Rocket is now the largest subservicer in the industry. Pennymac is poised to acquire Cenlar, the second-largest subservicer. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236957</guid>
      <pubDate>Thu, 19 Mar 2026 13:54:04 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236957-big-shifts-in-subservicing-in-2025-more-in-the-works</link>
    </item>
    <item>
      <title>More Retail LOs Shifting to Wholesale as Compensation Tightens</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Shrinking margins in the retail space are pushing loan officers to chart their own path in the wholesale channel.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236964</guid>
      <pubDate>Thu, 19 Mar 2026 13:53:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236964-retail-los-eye-wholesale-as-lenders-reduce-comp-plans</link>
    </item>
    <item>
      <title>Trump Signs EOs to Boost Housing Supply, Affordability</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The executive order directs federal agencies to revise and, in some cases, eliminate clean energy homebuilding requirements.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236958</guid>
      <pubDate>Thu, 19 Mar 2026 13:52:08 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236958-trump-looks-to-slash-regulations-in-homebuilding-eo</link>
    </item>
    <item>
      <title>Radian Closes Non-Agency Conduit, Scraps Sale Effort</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Radian Group is in the process of closing its non-agency conduit rather than selling the unit.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236968</guid>
      <pubDate>Thu, 19 Mar 2026 13:51:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236968-radian-closes-non-agency-conduit</link>
    </item>
    <item>
      <title>CDFIs Find Strength in Numbers for Mortgage Lending</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[CDFIs are exploring avenues to achieve economies of scale and enable mortgage access to underserved communities and low-income borrowers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236966</guid>
      <pubDate>Thu, 19 Mar 2026 13:50:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236966-cdfis-find-strength-in-numbers</link>
    </item>
    <item>
      <title>Grapevine: Two Harbors Vote Drags; GSEs’ Insurance Standards</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Two Harbors seeking more votes in favor of acquisition by UWM; GSEs to ease standards for condo insurance; DOJ subpoenas to Fed rejected.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236972</guid>
      <pubDate>Thu, 19 Mar 2026 13:49:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236972-grapevine-two-harbors-vote-extended-gses-loosen-homeowners-insurance-standards</link>
    </item>
    <item>
      <title>MBA Critical of Housing Bill Ahead of Vote in Senate</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Senate is set to vote on legislation aimed at addressing housing affordability. MBA had supported earlier versions of the bill in the House and Senate.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236909</guid>
      <pubDate>Thu, 12 Mar 2026 11:40:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236909-mba-critical-of-housing-bill-ahead-of-vote-in-senate</link>
    </item>
    <item>
      <title>Credit Bureaus Slash Price of VantageScore for Mortgages</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The three major consumer reporting agencies are using discounted pricing and other strategies to drive adoption of VantageScore 4.0 among mortgage lenders. The score is the main competitor to FICO.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236905</guid>
      <pubDate>Thu, 12 Mar 2026 11:39:48 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236905-vantagescore-pricing-dips</link>
    </item>
    <item>
      <title>Iran Conflict Adds to Homebuyers’ Affordability Woes</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Inflation from the continuing conflict in the Middle East is adding uncertainty for homebuyers who were already cautious amid a weaker labor market and fluctuating tariff policies.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236892</guid>
      <pubDate>Thu, 12 Mar 2026 11:38:49 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236892-iran-conflict-adds-to-homebuyers-economic-angst</link>
    </item>
    <item>
      <title>Mortgage Retention Rate Highest in Over a Decade</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[The retention rate in the fourth quarter of 2025 was the strongest since 2014, thanks to falling interest rates. Retention was especially strong among recently originated loans, ICE found.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236893</guid>
      <pubDate>Thu, 12 Mar 2026 11:36:51 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236893-retention-improves-to-best-rate-seen-since-2014</link>
    </item>
    <item>
      <title>loanDepot Returns to Wholesale Channel After Three Years</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[This time, leaders at loanDepot note that they’re looking for operating efficiency.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236902</guid>
      <pubDate>Thu, 12 Mar 2026 11:34:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236902-loandepot-returns-to-wholesale-market</link>
    </item>
    <item>
      <title>Drop in MSR Value Eats Into Tiptree’s Proceeds From RFC Sale</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The sale proceeds Tiptree is expecting from its pending sale of Reliance First Capital are tied to the book value of the mortgage unit.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236889</guid>
      <pubDate>Thu, 12 Mar 2026 11:32:57 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236889-msr-value-declines-reducing-sale-price-of-mortgage-unit</link>
    </item>
    <item>
      <title>Luminate’s Nonbank Operation Banned in Washington State</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The consent order could have little effect as Luminate Home Loans was folded into Luminate Bank last year and continues to originate mortgages.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236901</guid>
      <pubDate>Thu, 12 Mar 2026 11:31:59 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236901-washington-bars</link>
    </item>
    <item>
      <title>Grapevine: Interest Rate Tracking Diverges; Pre-Acquisition Jitters</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Interest rates on mortgages held steady last week, according to Freddie Mac or they rose, according to the MBA; odds of Two Harbors investors approving acquisition by United Wholesale Mortgage decline.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236900</guid>
      <pubDate>Thu, 12 Mar 2026 11:30:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236900-grapevine-interest-rate-tracking-diverges-pre-acquisition-jitters</link>
    </item>
    <item>
      <title>Iran Conflict Stokes Inflation Fears, Spurs Rates Higher</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage rates inched higher this week after the U.S. and Israel carried out attacks in Iran, sparking fears of higher energy costs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236840</guid>
      <pubDate>Thu, 05 Mar 2026 12:07:36 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236840-iran-conflict-stokes-inflation-fears-spurs-rates-higher</link>
    </item>
    <item>
      <title>Rocket Putting an Emphasis on Wholesale Unit</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Austin Niemiec, chief revenue officer at Rocket Mortgage, will now head the lender’s wholesale channel as it looks to expand partnerships with brokers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236837</guid>
      <pubDate>Thu, 05 Mar 2026 12:06:38 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236837-rocket-to-grow-wholesale-business</link>
    </item>
    <item>
      <title>Non-QM Lenders Expect Continued Growth in 2026</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Lenders that focus on non-qualified mortgages are optimistic that originations will continue to increase this year.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236826</guid>
      <pubDate>Thu, 05 Mar 2026 12:05:40 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236826-non-qm-lenders-expect-more-growth-in-2026</link>
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