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    <title>Originations</title>
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      <![CDATA[]]>
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    <item>
      <title>Impact of GSE Loan Limit Increases Varies by County</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The annual adjustment that FHFA makes to conforming loan limits presents opportunities and challenges for jumbo lenders, according to new research.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237176</guid>
      <pubDate>Fri, 10 Apr 2026 13:07:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237176-impact-of-gse-loan-limit-increases-varies-by-county</link>
    </item>
    <item>
      <title>ARM Production Bounces Back in Fourth Quarter</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[An estimated $94.00 billion of adjustable-rate mortgages were originated in the fourth quarter, up 20.5% from the third quarter. For the full year, volume shot up 44.7% to an estimated $298.00 billion. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237016</guid>
      <pubDate>Fri, 27 Mar 2026 14:52:54 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237016-arm-production-back-up-in-fourth-quarter-ytd</link>
    </item>
    <item>
      <title>ARM Originations Soar in Second Quarter, Chase Leads</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Production of adjustable-rate mortgages increased almost across the board in the second quarter of 2025. As usual, banks led the charge. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235394</guid>
      <pubDate>Fri, 19 Sep 2025 15:36:54 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235394-arm-originations-soar-in-second-quarter-led-by-banks</link>
    </item>
    <item>
      <title>Non-QM Lenders See Strong Interest in Crypto Mortgages</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[An evolving regulatory environment under the Trump administration has created new interest in mortgages backed by cryptocurrency like Bitcoin and Ethereum.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235225</guid>
      <pubDate>Fri, 05 Sep 2025 12:18:18 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235225-non-qm-lenders-see-renewed-interest-in-crypto-mortgages</link>
    </item>
    <item>
      <title>Retail Channel Loses Share in Nonconforming Market</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Retail lending among lenders in the analysis declined sharply during the first quarter while the correspondent and broker channels posted more modest declines in nonconforming production. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234673</guid>
      <pubDate>Fri, 27 Jun 2025 13:45:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234673-retail-channel-loses-share-in-nonconforming-market</link>
    </item>
    <item>
      <title>Mixed Trends for ARM Originations in Early 2025</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[ARMs accounted for 12.1% of total residential mortgage originations in the first quarter of 2025, down more than a full percentage point compared with the previous quarter. Still, production of the loans was up from the first quarter of 2024. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234669</guid>
      <pubDate>Fri, 27 Jun 2025 13:42:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234669-mixed-trends-for-arm-originations-in-early-2025</link>
    </item>
    <item>
      <title>News Briefs</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Impairment rate on securitized non-QMs rises in May; Rocket offering bridge loans; architecture firm to acquire non-QM lender; Chimera unit aggregating HEIs for securitization.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234679</guid>
      <pubDate>Fri, 27 Jun 2025 13:37:50 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234679-news-briefs</link>
    </item>
    <item>
      <title>Originations of Short-Term Loans Soar in 2024</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Short-term mortgages track residential transition loans and fix-and-flip loans. Last year, originations were up 34.6% compared with 2023. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234546</guid>
      <pubDate>Fri, 13 Jun 2025 15:49:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234546-originations-of-short-term-loans-soar-in-2024</link>
    </item>
    <item>
      <title>Correspondent Sales of Jumbo Mortgages Spike in 2024</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Correspondent sales of jumbo mortgages originated in 2024 increased by more than 60% on an annual basis. The largest sellers were almost all nonbanks, though Chase cracked the top 5 with its deliveries into non-agency MBS. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234293</guid>
      <pubDate>Fri, 16 May 2025 15:12:45 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234293-correspondent-sales-of-jumbo-mortgages-spike-in-2024</link>
    </item>
    <item>
      <title>Higher-Priced Lending Increases Slightly in 2024</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Federal agencies have used the higher-priced mortgage designation as a proxy for subprime lending. Strategies vary among the biggest originators of higher-priced mortgages, including focusing on loans for manufactured homes or expanded-credit mortgages. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234291</guid>
      <pubDate>Fri, 16 May 2025 15:06:51 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234291-higher-priced-lending-increases-slightly-in-2024</link>
    </item>
    <item>
      <title>Rithm’s Investment Portfolio Recovers in First Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Rithm is both a buyer and seller of non-agency mortgages. Wider spreads in recent months have helped generate strong returns from loan acquisitions. Meanwhile, RTL production through its Genesis unit slowed during the first quarter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234176</guid>
      <pubDate>Fri, 02 May 2025 13:04:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234176-rithms-investment-portfolio-recovers-in-first-quarter</link>
    </item>
    <item>
      <title>News Briefs</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Impairment rate on non-QMs declines; new issuers of home equity loan securitizations; bank offers new jumbo ARMs via wholesale channel; proprietary reverse-mortgage product from Liberty Reverse Mortgage.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234173</guid>
      <pubDate>Fri, 02 May 2025 13:02:34 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234173-news-briefs</link>
    </item>
    <item>
      <title>Bidders for Non-QMs Return, Cautiously</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[The tariff war blew a hole in non-QM profits last week, but a turnaround is underway.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234033</guid>
      <pubDate>Fri, 18 Apr 2025 14:07:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234033-non-qm-bidders-return-caution-remains</link>
    </item>
    <item>
      <title>Non-Agency Boost an Option With GSE Reform</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Proponents of the non-agency market see GSE reform as an opportunity to take steps to increase the non-agency share of activity in the secondary market. The Trump administration’s plans for the secondary market remain unclear.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234043</guid>
      <pubDate>Fri, 18 Apr 2025 14:06:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234043-non-agency-boost-an-option-with-gse-reform</link>
    </item>
    <item>
      <title>Maryland Legislature Cleans Up MBS Licensing Mess</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[A new bill sets exemptions for secondary market participants after a state regulator established deeply unpopular licensing requirements at the beginning of the year.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234044</guid>
      <pubDate>Fri, 18 Apr 2025 14:05:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234044-maryland-legislature-cleans-up-mbs-licensing-mess</link>
    </item>
    <item>
      <title>Carrington Goes Non-QM-Only for Correspondent Channel</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Carrington is expanding its guidelines and offering competitive pricing for non-QMs in the correspondent channel, aiming to gain market share. The company also works to help correspondent sellers mitigate risks on non-QM sales.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234045</guid>
      <pubDate>Fri, 18 Apr 2025 14:03:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234045-carrington-goes-non-qm-only-for-correspondent-channel</link>
    </item>
    <item>
      <title>Invictus to Sell Non-Agency Whole Loans to Castlelake</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Castlelake plans to invest in up to $2 billion of newly originated residential mortgages sourced from Invictus Capital Partners.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234046</guid>
      <pubDate>Fri, 18 Apr 2025 14:02:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234046-invictus-to-sell-non-agency-whole-loans-to-castlelake</link>
    </item>
    <item>
      <title>Non-QM Lender Working to Dig Out of Hole</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Beeline Financial started operations in 2020 and has yet to turn a profit. The company is now publicly traded thanks to a transaction involving a distillery, with plans to boost non-QM lending by leaning on technology.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234047</guid>
      <pubDate>Fri, 18 Apr 2025 14:01:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234047-non-qm-lender-working-to-dig-out-of-hole</link>
    </item>
    <item>
      <title>News Briefs</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Moody’s affirms assessments on Redwood; Deephaven loosens DSCR underwriting; Dan Perl update;&nbsp;ARDRI acquires expanded-credit lender; new proprietary reverse mortgages from&nbsp;Mutual of Omaha Mortgage.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234049</guid>
      <pubDate>Fri, 18 Apr 2025 14:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234049-news-briefs</link>
    </item>
    <item>
      <title>ARDRI Enters Non-QM Via Wholesale Lending</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Brian O’Shaughnessy, the former co-CEO of Rama Capital Partners, launched ARDRI to provide a mix of the latest technology and customer-focused operations for non-QM mortgage brokers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233926</guid>
      <pubDate>Fri, 04 Apr 2025 14:36:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233926-ardri-is-the-latest-lender-to-enter-wholesale-non-qm-lending</link>
    </item>
    <item>
      <title>Non-Agency Still an Option for Non-Permanent Residents</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[A change in FHA lending requirements could lead to more non-permanent residents using non-QM options.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233928</guid>
      <pubDate>Fri, 04 Apr 2025 14:33:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233928-non-agency-loans-becomes-only-option-for-non-permanent-residents</link>
    </item>
    <item>
      <title>Toorak Seeing Success With AI for BPL Originations</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Toorak Connect is an underwriting platform that uses artificial intelligence and machine learning to score loans based on risk. It has been used to underwrite more than $5 billion in business-purpose loans since its launch in 2022.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233929</guid>
      <pubDate>Fri, 04 Apr 2025 14:31:43 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233929-toorak-leverages-ai-for-bpl-originations</link>
    </item>
    <item>
      <title>News Briefs</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Brookfield to acquire majority stake in Angel Oak; Dominion Financial launches AI chatbots; Carrington Mortgage’s correspondent channel goes fully non-QM; Sachem Capital takes loss in 2024.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233932</guid>
      <pubDate>Fri, 04 Apr 2025 14:28:49 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233932-news-briefs</link>
    </item>
    <item>
      <title>Correspondents Regain Some Nonconforming Share in 4Q</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The correspondent share of nonconforming originations returned to the double digits in the fourth quarter of 2024. Though for the full year, correspondents lost market share.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233794</guid>
      <pubDate>Fri, 21 Mar 2025 15:20:04 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233794-correspondent-channel-gains-share-of-nonconforming-market-in-4q</link>
    </item>
    <item>
      <title>Velocity Sees Record Profits in 4Q</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The lender is seeing strong demand from borrowers and the secondary market for non-agency business purpose loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233786</guid>
      <pubDate>Fri, 21 Mar 2025 15:18:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233786-velocity-sees-record-profits-in-4q</link>
    </item>
    <item>
      <title>ARM Lending, Market Share Increase in Fourth Quarter </title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Homebuilder Lennar and First-Citizens Bank & Trust posted strong increases in originations of adjustable-rate mortgages.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233783</guid>
      <pubDate>Fri, 21 Mar 2025 15:14:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233783-arm-production-increases-in-the-fourth-quarter</link>
    </item>
    <item>
      <title>Originators Turn to Non-QMs Ahead of Economic Uncertainty</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Loan originators are looking to bank statement and DSCR loans to boost production in a higher-for-longer interest rate environment, according to Tom Hutchens, president of Angel Oak Mortgage Solutions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233785</guid>
      <pubDate>Fri, 21 Mar 2025 15:12:07 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233785-originators-turn-to-non-qms-ahead-of-economic-uncertainty</link>
    </item>
    <item>
      <title>Tomo Mortgage Secures Funding From Progressive Insurance</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Tomo said it can save the typical homebuyer $4,000 at closing through the use of its AI underwriting software.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233787</guid>
      <pubDate>Fri, 21 Mar 2025 15:10:11 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233787-ai-lender-tomo-mortgage-secures-funding-from-progressive-insurance</link>
    </item>
    <item>
      <title>Rising Competition in Some Regions Challenge Fix-and-Flippers</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Fix-and-flip operators saw increased competition in some areas in the fourth quarter, but are optimistic for growth in 2025.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233788</guid>
      <pubDate>Fri, 21 Mar 2025 15:08:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233788-rising-competition-in-some-regions-challenge-fix-and-flippers</link>
    </item>
    <item>
      <title>News Briefs</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Santander Bank joins non-QM MBS issuer ranks; Annaly starts securitizing HELOCs; AFR improves pricing on non-owner-occupied loans; A&D Mortgage launches AUS platform for non-QM loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233793</guid>
      <pubDate>Fri, 21 Mar 2025 15:06:17 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233793-news-briefs</link>
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