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    <title>Originations</title>
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    <item>
      <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>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>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>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>Homebuilders’ Usage of Sale Incentives Stabilizing</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Homebuilders are optimistic that the spring homebuying season should boost profits and reduce incentive usage.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236967</guid>
      <pubDate>Fri, 20 Mar 2026 12:55:34 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236967-incentive-usage-remains-flat-for-homebuilders</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>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>Jumbo Share Rises in 2025 With Non-Agency Push</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Non-agency jumbo mortgages accounted for 15.4% of total single-family originations in 2025, compared with a 12.7% share in 2024. Meanwhile, agency high-balance activity declined somewhat. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236891</guid>
      <pubDate>Thu, 12 Mar 2026 11:42:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236891-jumbo-share-rises-in-2025-with-non-agency-push</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>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>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>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>
    </item>
    <item>
      <title>Borrowers Turning to ARMs for Affordability Options</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Lenders expect ARM originations to continue to rise even as interest rates have begun to decline.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236832</guid>
      <pubDate>Thu, 05 Mar 2026 12:04:42 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236832-arm-originations-grow-as-borrowers-eye-affordability-options</link>
    </item>
    <item>
      <title>Opendoor, Bed Bath &amp; Beyond Eye Mortgage Lending</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Opendoor said its mortgage platform took just 10 weeks to build and is currently in beta. Bed Bath & Beyond, on the other hand, plans to foray into mortgage lending through inorganic growth.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236814</guid>
      <pubDate>Thu, 05 Mar 2026 12:02:48 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236814-opendoor-bed-bath-and-beyond-eye-mortgage-lending</link>
    </item>
    <item>
      <title>Originations Rise Across Products in Fourth Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The nonconforming market continued to gain share during the fourth quarter. In all of 2025, the nonconforming sector accounted for 20.9% of first-lien originations, up from a 16.6% share in 2024. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236777</guid>
      <pubDate>Thu, 26 Feb 2026 12:12:59 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236777-originations-rise-across-products-in-fourth-quarter</link>
    </item>
    <item>
      <title>Ishbia Lets UWM’s 4Q Earnings Do the Talking</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The nonbank generated $164.5 million of net income in the fourth quarter of 2025. But in a departure from norm, Mat Ishbia, president and CEO of UWM, didn’t take questions from stock analysts.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236776</guid>
      <pubDate>Thu, 26 Feb 2026 12:08:01 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236776-ishbia-lets-uwms-earnings-do-the-talking-in-4q</link>
    </item>
    <item>
      <title>Trade Groups Push for Additional Bank Capital Reforms</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Bank and mortgage industry groups are calling for broad reforms to bank capital requirements. Meanwhile, reactions to pending proposals from the Fed tied to bank mortgage holdings and MSRs were mixed.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236762</guid>
      <pubDate>Thu, 26 Feb 2026 12:06:03 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236762-trade-groups-push-for-additional-bank-capital-reforms</link>
    </item>
    <item>
      <title>Study of VantageScore Renews the Tri-Merge Debate</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Looking at VantageScore 4.0 data provided by the three national credit reporting agencies, researchers found that 18% of consumers had one or more scores that was at least 20 points higher than the tri-merge average.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236772</guid>
      <pubDate>Thu, 26 Feb 2026 12:03:10 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236772-renewing-the-tri-score-debate</link>
    </item>
    <item>
      <title>Grapevine: Trump Puts Emphasis on Rates; Mortgage Applications Level</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[No new housing initiatives from President Trump; mortgage applications steady; home prices increase modestly in 2025; Democrats in Senate introduce bill aimed at limiting SFR institutional investors.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236778</guid>
      <pubDate>Thu, 26 Feb 2026 12:00:13 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236778-grapevine-trump-puts-emphasis-on-rates-mortgage-applications-level</link>
    </item>
    <item>
      <title>Fed to Propose Capital Relief for Banks on MSRs</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Federal Reserve will soon issue proposals revising capital requirements set under the Basel framework in a way that could increase bank involvement in mortgage originations and servicing.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236692</guid>
      <pubDate>Thu, 19 Feb 2026 11:58:08 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236692-fed-to-propose-capital-relief-for-banks-on-msrs</link>
    </item>
    <item>
      <title>Congress Returns to the Conservatorship Debate</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[House Republicans said they’re drafting legislation that would end the conservatorships of Fannie Mae and Freddie Mac.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236697</guid>
      <pubDate>Thu, 19 Feb 2026 11:52:18 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236697-congress-returns-to-the-conservatorship-debate</link>
    </item>
    <item>
      <title>Refi Lending Nearly Doubles in 4Q, Purchase Share Drops</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Refi originations increased by 96.8% on a quarterly basis in the fourth quarter of 2025. For the full year, refi volume was up 61.2% while purchase-mortgage lending increased by 2.4%. (Includes five data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236652</guid>
      <pubDate>Thu, 12 Feb 2026 11:40:08 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236652-refi-lending-nearly-doubles-in-4q-purchase-share-drops</link>
    </item>
    <item>
      <title>Builders Weighing Rent-to-Own Model to Boost Supply</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The big homebuilders are purportedly planning to build a million starter homes to sell through a rent-to-own program. The Trump administration has distanced itself from any such proposal.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236644</guid>
      <pubDate>Thu, 12 Feb 2026 11:35:18 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236644-the-trump-homes-proposal</link>
    </item>
    <item>
      <title>GSEs Seen as Poorly Positioned to Help With Affordability</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Former Freddie CEO believes most prospective remedies to the affordability crisis will benefit only borrowers who don’t need the help.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236656</guid>
      <pubDate>Thu, 12 Feb 2026 11:34:20 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236656-are-gses-an-efficient-tool-to-address-affordability</link>
    </item>
    <item>
      <title>Grapevine: Pennymac to Acquire Cenlar; Mortgage Employment</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Pennymac will pay $172.5 million upfront for Cenlar; real estate credit employment declines; GOP senators concerned about NFIP pricing.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236655</guid>
      <pubDate>Thu, 12 Feb 2026 11:32:24 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236655-grapevine-mortgage-employment-declines-republicans-target-nfip-pricing</link>
    </item>
    <item>
      <title>VantageScore 4.0 Was Not Approved by GSEs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Documents released under a FOIA request indicated that the GSEs’ assessment of the new credit score requirements found that a single-bureau credit pull significantly underperformed both the tri-merge and bi-merge.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236577</guid>
      <pubDate>Thu, 05 Feb 2026 11:58:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236577-vantagescore-40-was-not-approved-by-gses</link>
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