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    <title>Government-Insured Lending</title>
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      <![CDATA[]]>
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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>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>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>Private Home Listings May Impact Appraisal Valuations</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Real estate professionals argue that private listings can be a net negative for homebuyers and sellers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237207</guid>
      <pubDate>Thu, 16 Apr 2026 11:23:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237207-private-listings-may-impact-home-valuations</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>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>MBA Criticizes CDIA Argument Over Credit Report Requirements</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Bob Broeksmit, president and CEO of MBA, said the CDIA is distorting mortgage lenders’ position and reason for urging a change to the tri-merge credit reporting requirement.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236579</guid>
      <pubDate>Thu, 05 Feb 2026 11:59:27 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236579-mba-cdia-continue-sparring-over-credit-report-requirements</link>
    </item>
    <item>
      <title>GSE Privatization Unlikely During Election Year</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Pete Mills, a senior vice president at MBA, believes housing affordability initiatives are more likely to come from executive orders this year.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236578</guid>
      <pubDate>Thu, 05 Feb 2026 11:57:30 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236578-gse-privatization-unlikely-during-election-year</link>
    </item>
    <item>
      <title>Trump Signs EO Targeting Wall Street-Backed Landlords</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The executive order seeks to limit institutional investors from purchasing single-family homes, but some market participants believe it would do little to boost housing affordability nationally.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236450</guid>
      <pubDate>Thu, 22 Jan 2026 11:52:45 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236450-trump-signs-executive-order-targeting-institutional-investors</link>
    </item>
    <item>
      <title>Ginnie Servicing Share Ticks Up Again in Third Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Mortgages tied to Ginnie Mae accounted for 18.3% of total servicing outstanding at the end of September. Some servicing share shifted away from the GSEs, though Fannie and Freddie still dominate. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236177</guid>
      <pubDate>Thu, 18 Dec 2025 11:59:03 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236177-ginnie-servicing-share-ticks-up-again-in-third-quarter</link>
    </item>
    <item>
      <title>Complications Await if GSEs Allow Assumable Mortgages</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[While government-insured mortgages are assumable, few assumptions are completed due to various obstacles. GSE mortgages were also assumable until the 1980s, when legal issues prompted a change.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236049</guid>
      <pubDate>Thu, 04 Dec 2025 11:51:24 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236049-complications-await-if-gses-allow-assumable-mortgages</link>
    </item>
    <item>
      <title>Mortgage Closings Expected to Ramp Up as Shutdown Ends</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Federal operations that were disrupted during the shutdown are expected to bounce back, helping lenders with loans stuck in their pipelines.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235879</guid>
      <pubDate>Thu, 13 Nov 2025 12:06:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235879-mortgage-closings-expected-to-ramp-up-quickly-following-shutdown</link>
    </item>
    <item>
      <title>Grapevine: Senate Approves Housing Bill; Federal Layoffs Halted</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Senate passes the ROAD to Housing Act; layoffs at HUD, CDFI Fund halted; MBA’s annual conference missing some federal officials.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235620</guid>
      <pubDate>Thu, 16 Oct 2025 12:01:18 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235620-grapevine-senate-approves-housing-bill-major-federal-layoffs</link>
    </item>
    <item>
      <title>Trump Admin Shakes Up Plans for Mortgage Regulation</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Many efforts started during the Biden administration won’t move forward. But servicing reforms are still in the works at the CFPB. And the bureau is considering major changes to LO comp.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235290</guid>
      <pubDate>Thu, 11 Sep 2025 12:45:50 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235290-trump-admin-shakes-up-plans-for-mortgage-regulation</link>
    </item>
    <item>
      <title>Insurance, Property Taxes Driving Rise in Delinquencies</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Industry executives believe artificial intelligence can improve risk management and help reduce insurance premiums and property taxes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235066</guid>
      <pubDate>Thu, 14 Aug 2025 11:55:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235066-insurance-property-taxes-driving-affordability-challenges</link>
    </item>
    <item>
      <title>Grapevine: Trigger Leads Bill Approved; FHA Nomination</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The bill is now headed to President Trump’s desk; Frank Cassidy nominated for FHA commissioner.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235008</guid>
      <pubDate>Thu, 07 Aug 2025 12:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235008-grapevine-congress-passes-trigger-leads-bill-cassidy-nominated-for-fha-commissioner</link>
    </item>
    <item>
      <title>Democrats Seek to Reform Appraisal Process</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[A new bill seeks to require FHFA to create a public database of information on all mortgage appraisals. The proposal comes as the Trump administration disbanded the Biden-era task force created to address appraisal bias.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234869</guid>
      <pubDate>Thu, 24 Jul 2025 12:02:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234869-a-new-twist-on-appraisal-reform</link>
    </item>
    <item>
      <title>HUD, USDA Revisit Energy Standards</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The agencies are seeking feedback as they reconsider updated energy codes imposed on new residential construction.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234730</guid>
      <pubDate>Thu, 10 Jul 2025 11:20:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234730-hud-usda-revisit-energy-standards-rule</link>
    </item>
    <item>
      <title>MBA Suggests Single Credit Report Model for GSE Loans</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association has suggested the FHFA end its tri-merge process, replacing it with a single credit report rather than the bi-merge model as currently planned.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234564</guid>
      <pubDate>Fri, 20 Jun 2025 09:09:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234564-forget-the-bi-merge-how-about-just-one-credit-report</link>
    </item>
    <item>
      <title>Grapevine: VA Partial Claims Update; Hint on FHA Commissioner</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[VA partial claims bill passes in House; nominee for FHA commissioner expected to have industry experience; Pulte touts big find at Fannie.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234336</guid>
      <pubDate>Thu, 22 May 2025 12:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234336-grapevine-house-approves-va-partial-claims-hint-on-fha-commissioner</link>
    </item>
    <item>
      <title>Trump Budget Proposal Takes Aim at Housing Assistance</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The budget for 2026 proposes cuts to HUD, and handing over responsibility for affordable housing and rental assistance programs to states.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234204</guid>
      <pubDate>Thu, 08 May 2025 12:36:20 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234204-trump-budget-takes-aim-at-housing-assistance</link>
    </item>
    <item>
      <title>A Ball of Confusion: HUD, DOGE and Staff Cuts</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Is the White House being less than forthcoming about job cuts at HUD and DOGE finding “misplaced” funds at the agency? You decide. But mortgage bankers are getting nervous.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233571</guid>
      <pubDate>Thu, 27 Feb 2025 12:09:10 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233571-a-ball-of-confusion-hud-doge-and-staff-cuts</link>
    </item>
    <item>
      <title>Trump Rescinds Funding Freeze That Unsettled Market</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[For hours, it was unclear whether a White House memo freezing federal funding would impact mortgage programs. In the meantime, government agencies announced that their single-family mortgage programs were unaffected by the planned funding pause.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233314</guid>
      <pubDate>Wed, 29 Jan 2025 12:07:58 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233314-trump-order-for-funding-pause-unsettles-market</link>
    </item>
    <item>
      <title>Sharp Swings Expected on Federal Housing Policies</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Trump administration will likely take starkly different positions on housing and the mortgage market compared with the Biden administration. Expect changes at the GSEs, while a reduction to FHA mortgage insurance premiums looks unlikely.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233240</guid>
      <pubDate>Thu, 23 Jan 2025 12:08:54 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233240-sharp-swings-expected-on-federal-housing-policies</link>
    </item>
    <item>
      <title>HUD Reviewing FHA Pricing Post Strong MMIF Results</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[With the latest MMIF audit showing a strong capital reserve ratio, the FHA commissioner said it’s probably time to take action on pricing.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232717</guid>
      <pubDate>Thu, 21 Nov 2024 11:17:42 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232717-fha-mmif-reports-healthy-fy24</link>
    </item>
    <item>
      <title>Primary MI Activity Up in 3Q, Purchase Mortgages Lag</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Purchase mortgages and refis increased across the board in the agency MBS market in the third quarter, with the strongest growth seen in refis that carried primary mortgage insurance. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232382</guid>
      <pubDate>Thu, 17 Oct 2024 12:08:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232382-primary-mi-activity-up-in-3q-purchase-mortgages-lag</link>
    </item>
    <item>
      <title>UI Urges Expanded Membership for FHLBanks</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Although nonbank advocates have long argued for FHLBank membership, new proposals from the Urban Institute address key challenges.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231837</guid>
      <pubDate>Thu, 15 Aug 2024 12:03:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231837-ui-urges-expanded-membership-for-fhlbanks</link>
    </item>
    <item>
      <title>MBA Calls for Overhaul of FHA Multifamily Programs</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The MBA wants significant changes to the Federal Financing Bank risk-sharing program. Reforms are also needed in the multifamily accelerated processing program, according to the trade group.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231506</guid>
      <pubDate>Thu, 11 Jul 2024 12:02:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231506-mba-calls-for-overhaul-of-fha-multifamily-programs</link>
    </item>
    <item>
      <title>High-Balance Lending Slows in First Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Banks reduced their non-agency jumbo lending in the early months of 2024, with nonbanks picking up some of the slack. Deliveries of high-balance mortgages into agency MBS also declined in the first quarter. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231154</guid>
      <pubDate>Thu, 30 May 2024 12:15:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231154-high-balance-lending-slows-in-first-quarter</link>
    </item>
    <item>
      <title>UWM Ups Ante With Zero-Down Purchase Program</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The program provides borrowers a 3% downpayment assistance second lien with up to $15,000 in financing. The loan does not accrue interest and does not require a monthly payment.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231138</guid>
      <pubDate>Thu, 30 May 2024 12:12:04 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231138-uwm-ups-ante-with-0-down-purchase-program</link>
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