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    <title>Agency MBS</title>
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      <![CDATA[]]>
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    <link>https://www.insidemortgagefinance.com/rss</link>
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    <item>
      <title>SFA Simplifies TRID Compliance Review for Home Equity Loans</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The voluntary scope aims to standardize practices among due diligence reviewers and also prevent a “race to the bottom.”]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237577</guid>
      <pubDate>Thu, 28 May 2026 16:08:39 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237577-sfa-simplifies-trid-compliance-review-for-home-equity-loans</link>
    </item>
    <item>
      <title>Supers/Platinum, Agency CMO Volume up in First Quarter</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Fannie saw a slightly bigger increase in Supers issuance than Freddie did in the first quarter. Ginnie Platinum issuance was down, but the agency led the way in CMO production. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237570</guid>
      <pubDate>Thu, 28 May 2026 16:06:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237570-supers-platinum-agency-cmo-volume-up-in-1q26</link>
    </item>
    <item>
      <title>The Mechanics of Spreads On Treasuries, Agency MBS</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[A Federal Reserve economist estimates that a one-percentage-point steepening of the yield curve reduces the spread between mortgages and the 10-year Treasury yield by 40 basis points.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237579</guid>
      <pubDate>Thu, 28 May 2026 16:00:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237579-the-mechanics-of-mortgage-spreads</link>
    </item>
    <item>
      <title>Secondary Market Implications of New Credit Scores</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[MBS investors are likely to charge a pay-up for securities backed by mortgages underwritten with VantageScore — at least until they’re confident prepayment speeds won’t accelerate.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237549</guid>
      <pubDate>Thu, 21 May 2026 16:43:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237549-secondary-market-implications-of-new-credit-scores</link>
    </item>
    <item>
      <title>What Does New Fed Chair Mean for the MBS Market?</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[New Fed Chair Kevin Warsh has long criticized the size of the Fed’s balance sheet, in particular, its massive holdings of agency MBS.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237539</guid>
      <pubDate>Thu, 21 May 2026 16:25:29 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237539-what-does-warsh-mean-for-the-mbs-market</link>
    </item>
    <item>
      <title>Agency MBS Issuance Hits Four-Year High in April</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Rocket Mortgage was the top seller-issuer in April thanks to a 24% jump in monthly volume, while UWM slipped to second place. Newrez, Chase and Onity all posted big gains from March. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237385</guid>
      <pubDate>Thu, 07 May 2026 17:30:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237385-agency-1-fam-mbs-issuance-hits-four-year-high-in-april</link>
    </item>
    <item>
      <title>FICO vs VantageScore: The Gloves Come Off</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FICO’s CEO argued that VantageScore isn’t gaining much traction in the MBS and ABS markets, and that the only way the score will take share with GSE mortgages will be if lenders game the system.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237410</guid>
      <pubDate>Thu, 07 May 2026 17:27:19 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237410-fico-vs-vantagescore-the-gloves-come-off</link>
    </item>
    <item>
      <title>How the GSEs Can Boost Small-Balance Mortgages</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Policies put in place during the pandemic prevent many small banks and credit unions from selling small-balance loans to the GSEs, which constrains mortgage lending in rural and low-income communities.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237415</guid>
      <pubDate>Thu, 07 May 2026 16:25:29 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237415-how-the-gses-can-boost-sbls</link>
    </item>
    <item>
      <title>Capital Shortfalls Unaffected by GSE Profits</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Even with strong earnings the GSEs are making little progress on meeting stringent capital levels set during the first Trump administration.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237425</guid>
      <pubDate>Thu, 07 May 2026 16:21:35 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237425-capital-shortfalls-unaffected-by-gse-profits</link>
    </item>
    <item>
      <title>VantageScore Impact on MBS Market Likely Minimal</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[For MBS investors, the biggest complication in the GSEs’ implementation of VantageScore 4.0 is likely loan-level pricing adjustments.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237332</guid>
      <pubDate>Thu, 30 Apr 2026 17:50:35 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237332-vantagescore-impact-on-mbs-market-likely-minimal</link>
    </item>
    <item>
      <title>GSE Portfolio Strategies Diverge in First Quarter</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie Mae expanded its portfolio by adding both whole loans and MBS, while Freddie Mac cut whole loans as it added MBS.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237339</guid>
      <pubDate>Thu, 30 Apr 2026 17:50:33 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237339-gse-portfolio-strategies-diverge</link>
    </item>
    <item>
      <title>Agency MBS Investors Looking Past Iran Volatility</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The value of agency MBS declined sharply following the start of the war with Iran. More recently, volatility has declined, prompting some major agency MBS investors to see continued promise in the assets.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237283</guid>
      <pubDate>Thu, 23 Apr 2026 16:12:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237283-agency-mbs-investors-looking-past-iran-volatility</link>
    </item>
    <item>
      <title>GSEs Seen as Opportunistic Buyers of Agency MBS</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Fannie Mae and Freddie Mac appear to be buying more MBS at times when spreads widen. They’re also hedging the purchases with interest rate swaps, according to industry participants.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237295</guid>
      <pubDate>Thu, 23 Apr 2026 16:09:33 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237295-gses-seen-as-opportunistic-buyers-of-agency-mbs</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>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>Miran Touts Balance Sheet Reduction for the Fed </title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[A recent paper co-authored by Federal Reserve Governor Stephan Miran identifies several policy changes that would allow the Fed’s SOMA to be reduced by up to $2.13 trillion.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237167</guid>
      <pubDate>Thu, 09 Apr 2026 16:01:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237167-miran-touts-balance-sheet-reduction</link>
    </item>
    <item>
      <title>Kroll Stays Ahead in MBS, Fitch Gains Ground in ABS</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[S&P was the top ABS rating service in the fourth quarter and finished narrowly behind Fitch for all of 2025. Kroll held the top spot in MBS ratings for the year despite a strong challenge from Fitch. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237022</guid>
      <pubDate>Thu, 26 Mar 2026 17:02:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237022-kroll-stays-ahead-in-mbs-fitch-gains-ground-in-abs</link>
    </item>
    <item>
      <title>GSEs Likely Beefing Up MBS Purchases to Quell Volatility </title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Market participants say the surge in GSE purchases is part of the Trump administration’s effort to reduce mortgage rates and spreads.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237059</guid>
      <pubDate>Thu, 26 Mar 2026 17:01:12 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237059-gses-beef-up-mbs-purchases-amid-war-related-market-turmoil</link>
    </item>
    <item>
      <title>Bank Capital Reforms Could Limit Supply of MBS</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The revised proposals would reduce capital requirements for banks, both for MBS holdings and whole loans in portfolio. The change would provide incentives for banks to retain more originations in portfolio.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237023</guid>
      <pubDate>Thu, 26 Mar 2026 17:00:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237023-bank-capital-reforms-could-limit-supply-of-mbs</link>
    </item>
    <item>
      <title>Residential Mortgage Securitization Rate Steady in 2025</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Some 68.0% of mortgages originated in 2025 were sold into MBS. Securitization rates were stable across most products, except for expanded-credit mortgages, where the securitization rate increased sharply. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237025</guid>
      <pubDate>Thu, 26 Mar 2026 16:59:14 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237025-residential-mortgage-securitization-rate-steady-in-2025</link>
    </item>
    <item>
      <title>GSE Pilots MBS Sale With VantageScore</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[One of the GSEs has quietly issued an MBS comprised of loans underwritten using VantageScore 4.0.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237053</guid>
      <pubDate>Thu, 26 Mar 2026 16:58:18 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237053-vantagescore-ceo-confirms-mbs-rumor</link>
    </item>
    <item>
      <title>MBS Analysts Weigh Impact of Iran War</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Since the Iran war started, interest rates have returned to where they were when President Trump directed the GSEs to purchase $200 billion in MBS and most analysts say GSE reform is now off the table.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236970</guid>
      <pubDate>Thu, 19 Mar 2026 17:10:47 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236970-mbs-analysts-weigh-impact-of-war</link>
    </item>
    <item>
      <title>Mortgage Spreads Widen With Uncertainty Tied to Iran Conflict</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Since the U.S. initiated strikes on Iran, mortgage rates and MBS spreads have given up all the ground they gained from the Trump administration’s directive for the GSEs to purchase $200 billion in agency MBS.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236922</guid>
      <pubDate>Thu, 12 Mar 2026 16:41:32 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236922-mortgage-market-reacts-to-war-with-iran</link>
    </item>
    <item>
      <title>FASB to Propose Hedging of Held-to-Maturity Portfolios</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The potential rule change would allow banks to redesignate MBS holdings from held-to-maturity to available-for-sale.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236916</guid>
      <pubDate>Thu, 12 Mar 2026 16:39:35 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236916-fasb-to-allow-hedging-of-held-to-maturity-portfolios</link>
    </item>
    <item>
      <title>Agency Market Phones It In, Rate Refis Slow in February</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Secondary-market sales of agency loans followed seasonal patterns last month. Although purchase-mortgage volume saw the biggest decline, the sector still accounted for 55.8% of agency issuance last month. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236821</guid>
      <pubDate>Thu, 05 Mar 2026 17:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236821-agency-market-phones-it-in-rate-refi-slows-in-february</link>
    </item>
    <item>
      <title>GSE Portfolios Continue Shift to MBS</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie Mae’s retained mortgage portfolio surpassed the size of Freddie Mac’s in January, a first since 2022 as Fannie is adding to its MBS holdings at a faster rate than Freddie.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236823</guid>
      <pubDate>Thu, 05 Mar 2026 16:51:51 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236823-gse-portfolios-continue-shift-to-mbs</link>
    </item>
    <item>
      <title>Figure Looking to Take Market Share From GSEs</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Figure Technology Solutions is working to facilitate originations and sales of first-lien mortgages, touting lower costs and modern technology compared with delivering loans to Fannie Mae and Freddie Mac.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236839</guid>
      <pubDate>Thu, 05 Mar 2026 16:46:55 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236839-figure-looking-to-take-market-share-from-gses</link>
    </item>
    <item>
      <title>Investors See Opportunities With Agency CMBS</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Asset managers believe agency commercial MBS is an attractive investment option following President Trump’s directive to the GSEs to buy $200 million in agency MBS.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236727</guid>
      <pubDate>Thu, 19 Feb 2026 15:54:46 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236727-investors-see-opportunities-with-agency-cmbs</link>
    </item>
    <item>
      <title>SFA Launches Fraud Mitigation Task Force</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Recent cases involving subprime auto lender Tricolor and auto parts manufacturer First Brands prompted the initiative.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236717</guid>
      <pubDate>Thu, 19 Feb 2026 15:52:50 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236717-sfa-launches-fraud-mitigation-taskforce</link>
    </item>
    <item>
      <title>Freddie’s New K-Deal Strategy to Boost Interest Income</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The shift from senior subordinate securitizations to predominantly fully guaranteed securitizations is expected to increase revenues for Freddie’s multifamily business.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236705</guid>
      <pubDate>Thu, 19 Feb 2026 15:51:52 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236705-freddie-mac-launches-new-k-deal-strategy</link>
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