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    <title>Inside Mortgage Finance</title>
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    <item>
      <title>Conventional-Conforming Share of Lending Up in 1Q</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Conventional-conforming mortgages accounted for 54.3% of originations in the first quarter of 2026. Rocket Mortgage was the top producer of the loans in the quarter. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237571</guid>
      <pubDate>Thu, 28 May 2026 12:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237571-conventional-conforming-share-of-lending-up-in-1q</link>
    </item>
    <item>
      <title>Rate Cut Under New Fed Chair Unlikely This Year</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The interest rate outlook is looking better for MSR values than it is for mortgage originations. New Fed Chair Kevin Warsh faces headwinds on a rate cut this year, with some economists anticipating that the next move by the central bank will actually be a rate hike.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237572</guid>
      <pubDate>Thu, 28 May 2026 11:57:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237572-rate-cut-under-new-fed-chair-unlikely-this-year</link>
    </item>
    <item>
      <title>ARM Share Poised to Remain Elevated</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The origination share of adjustable-rate mortgages is expected to hold around its current level this year, although a number of variables could cause it to shift.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237589</guid>
      <pubDate>Thu, 28 May 2026 11:56:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237589-arms-poised-for-consistent-year</link>
    </item>
    <item>
      <title>Rocket, Redfin Offer Discount With Home Purchase</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[New offering lets homebuyers save up to $20,000 on a home purchase or sale when they use Rocket and a Redfin agent.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237575</guid>
      <pubDate>Thu, 28 May 2026 11:55:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237575-rocket-leverages-redfin-acquisition-with-new-discount-offering</link>
    </item>
    <item>
      <title>Texas Capital Launches Mortgage Asset Trading Platform</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[The parent company of Texas Capital Bank has a new mortgage trading platform, consolidating the asset lifecycle into one offering.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237587</guid>
      <pubDate>Thu, 28 May 2026 11:54:08 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237587-texas-capital-launches-mortgage-asset-trading-platform</link>
    </item>
    <item>
      <title>Trump Warns Lenders of Risk Posed by Noncitizens</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The Trump administration has directed the CFPB to remind lenders that they should consider that deportation and loss of wages are risks when extending credit to certain noncitizens.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237561</guid>
      <pubDate>Thu, 28 May 2026 11:52:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237561-trump-orders-regs-to-prioritize-citizenship-status-in-lending</link>
    </item>
    <item>
      <title>Trade Groups Back FSOC Changes to Nonbank Designations</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The proposal would reinstate several elements of FSOC’s 2019 nonbank designation guidance in addition to some new changes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237573</guid>
      <pubDate>Thu, 28 May 2026 11:51:12 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237573-trade-groups-back-fsoc-changes-to-nonbank-desiginations</link>
    </item>
    <item>
      <title>Grapevine: CFPB ECOA Rule Challenged; FHA Sticks With Tri-Merge</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[A lawsuit seeks to block a new CFPB rule loosening anti-discrimination regulations; FHA will continue to use the tri-merge credit pull process; bill passed by House would increase fees on VA home loans to pay for expanded benefits for veterans; delinquencies stay firm in April.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237576</guid>
      <pubDate>Thu, 28 May 2026 11:50:14 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237576-grapevine-fha-sticks-with-the-tri-merge-new-va-fee-in-house-bill</link>
    </item>
    <item>
      <title>VantageScore Uptake Matches Expectations</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Early interest in the VantageScore 4.0 pilot has been strong, but participants note that the new score can be up to 100 points different from Classic FICO.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237532</guid>
      <pubDate>Thu, 21 May 2026 12:00:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237532-vantagescore-uptake-matches-expectations</link>
    </item>
    <item>
      <title>Lenders’ Hope of Rate Relief Fades as Iran War Drags On</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Economists have dialed back their more optimistic expectations for mortgage rates this year after Iran war-triggered inflation undid the rate boost from MBS purchases by the GSEs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237522</guid>
      <pubDate>Thu, 21 May 2026 11:51:14 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237522-hope-of-rate-relief-fades</link>
    </item>
    <item>
      <title>Delinquency Rate Declines, as Usual, in First Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Despite the decline, the delinquency rate at the end of March was above the level seen in March 2025. Some of the increase has been pinned on FHA loss-mitigation changes, though foreclosure activity is also rising. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237534</guid>
      <pubDate>Thu, 21 May 2026 11:46:15 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237534-delinquency-rate-declines-as-usual-in-first-quarter</link>
    </item>
    <item>
      <title>Revised Housing Bill Passes House, Fate in Senate Unclear</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Versions of the 21st Century ROAD to Housing Act have passed both the House and Senate with broad bipartisan support. However, differences persist.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237518</guid>
      <pubDate>Thu, 21 May 2026 11:45:17 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237518-house-passes-revised-housing-bill-senate-fate-unclear</link>
    </item>
    <item>
      <title>OCC Issues Final Rules on Preemption of State Escrow Laws</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The final rules clarify that the National Bank Act preempts state interest-on-escrow laws and codify national banks’ powers to maintain mortgage escrow accounts and to set their terms and conditions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237520</guid>
      <pubDate>Thu, 21 May 2026 11:43:21 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237520-occ-finalizes-rules-preempting-state-laws-on-escrow-interest</link>
    </item>
    <item>
      <title>Bank Capital Revisions to Help on the Margins</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Industry members expect that the Basel III re-proposal could offer a modest boost to the mortgage industry over time, but seems unlikely to bring banks back to the business in droves.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237533</guid>
      <pubDate>Thu, 21 May 2026 11:42:23 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237533-no-mortgage-market-lifeline-from-basel-iii</link>
    </item>
    <item>
      <title>Rocket Sues UWM for Breaking MSR Non-Solicitation Agreement</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Rocket claims prepayment rates on the loans bought as part of UWM’s MSR deals are roughly 2.5 times greater than prepayment rates for comparable pools and resulted in nearly $100 million in damages.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237526</guid>
      <pubDate>Thu, 21 May 2026 11:41:25 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237526-rocket-accuses-uwm-of-breaking-non-solicitation-agreement</link>
    </item>
    <item>
      <title>Two Harbors Extends Shareholder Vote on CrossCountry Deal</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The delay signals that CrossCountry Mortgage will have to increase its bid price, according to analysts tracking the battle for Two Harbors.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237530</guid>
      <pubDate>Thu, 21 May 2026 11:40:26 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237530-two-harbors-postpones-shareholder-meeting-on-crosscountry-merger</link>
    </item>
    <item>
      <title>Rocket Mortgage Top GSE Seller in April</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[On a year-to-date basis, Rocket’s deliveries to the GSEs more than doubled from the first four months of 2025, driven by its acquisition of Mr. Cooper, which was finalized on Oct. 1.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237504</guid>
      <pubDate>Mon, 18 May 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237504-rocket-mortgage-top-gse-seller-in-april</link>
    </item>
    <item>
      <title>Demand for MSRs Still Strong Across Coupons</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[MSR investors continue to offer strong bids for both low-coupon and current-coupon assets. Some MSR owners are also adjusting their risk tolerance as volatility in the financial markets has been constant during the Trump administration.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237453</guid>
      <pubDate>Thu, 14 May 2026 12:06:04 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237453-demand-for-msrs-still-strong-across-coupons</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>Bank Takes Fed to Court Over Cash-Guarantee Mortgage Denial</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Canandaigua National Bank claims the Federal Reserve wrongfully rejected its application for offering cash-guarantee mortgages.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237454</guid>
      <pubDate>Thu, 14 May 2026 12:02:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237454-bank-takes-fed-to-court-over-cash-guarantee-mortgages</link>
    </item>
    <item>
      <title>Capital Proposal Gives Banks an Opening on Mortgages</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Federal bank regulators are looking to reduce the capital requirements that apply to mortgage servicing rights and to mortgages held in portfolio. A March proposal is seen as making mortgage lending and servicing somewhat more attractive for banks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237451</guid>
      <pubDate>Thu, 14 May 2026 12:01:15 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237451-capital-proposal-gives-banks-an-opening-on-mortgages</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>Policies for VantageScore Use Involving GSEs Murky</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[FICO and VantageScore disagree on how lenders in a GSE pilot are using VantageScore. FICO’s CEO claims there are LTV ratio limitations and a haircut with VantageScore. VantageScore said that’s not the case.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237403</guid>
      <pubDate>Thu, 07 May 2026 12:07:18 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237403-policies-for-vantagescore-use-involving-gses-murky</link>
    </item>
    <item>
      <title>Trump Comments Revive GSE IPO Speculation</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Despite ending his long hiatus on GSE talk, Trump fails to persuade skeptics that he’s ready to take Fannie and Freddie out of conservatorship anytime soon.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237398</guid>
      <pubDate>Thu, 07 May 2026 12:06:20 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237398-trump-comments-revive-ipo-speculation</link>
    </item>
    <item>
      <title>Lenders Brace for Lower-Than-Expected Returns in 2026</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[High interest rates are prompting some lenders to reduce their guidance for returns on equity this year. Meanwhile, margins are holding firm at some big lenders.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237406</guid>
      <pubDate>Thu, 07 May 2026 12:05:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237406-lenders-brace-for-lower-than-expected-returns-in-2026</link>
    </item>
    <item>
      <title>Two Harbors Board Rejects UWM’s Revised Acquisition Proposal</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The Two Harbors board has recommended that shareholders vote against UWM’s recently revised proposal to acquire the company.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237399</guid>
      <pubDate>Thu, 07 May 2026 12:04:23 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237399-two-harbors-board-rejects-uwms-revised-acquisition-proposal</link>
    </item>
    <item>
      <title>Housing Package Light on Relief for First-Time Homebuyers</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Most of the provisions in Congress’ bipartisan housing legislation aren’t enough to move the needle for first-time homebuyers, according to Jaret Seiberg, a managing director at TD Securities.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237388</guid>
      <pubDate>Thu, 07 May 2026 12:03:27 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237388-housing-package-light-on-relief-for-fthb</link>
    </item>
    <item>
      <title>Credit Boxes Widening for Downpayment Assistance</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Downpayment assistance programs are no longer just for first-time homebuyers with limited income.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237396</guid>
      <pubDate>Thu, 07 May 2026 12:02:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237396-credit-boxes-widening-for-dpa-programs</link>
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