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    <title>Inside Mortgage Trends</title>
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    <item>
      <title>GSE Lenders Stretch Credit Envelope in First Quarter</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Purchase mortgages and refinances in the highest loan-to-value ratio category accounted for a greater share of mortgages delivered to Fannie Mae and Freddie Mac in the first quarter of 2026. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237109</guid>
      <pubDate>Fri, 03 Apr 2026 11:07:17 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237109-gse-lenders-favored-high-ltv-loans-in-1q</link>
    </item>
    <item>
      <title>DPA Programs Considered Key to Unlocking Purchase Market</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Loan officers can get a leg up against the competition by learning about available downpayment assistance programs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237103</guid>
      <pubDate>Fri, 03 Apr 2026 11:06:19 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237103-dpa-programs-considered-key-to-unlocking-purchase-movement</link>
    </item>
    <item>
      <title>Better Offers First Conforming Token-Backed Mortgage</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Better and Coinbase have partnered to allow borrowers to pledge holdings of tokenized assets to fund their downpayment, without the need to liquidate the assets.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237101</guid>
      <pubDate>Fri, 03 Apr 2026 11:05:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237101-better-offers-first-conforming-token-backed-mortgage</link>
    </item>
    <item>
      <title>Bank Sales of Mortgages Rise to 2022 Level at End of 2025</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Bank mortgage sales and originations rose in the fourth quarter to levels last seen in 2022. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237088</guid>
      <pubDate>Fri, 03 Apr 2026 11:04:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237088-bank-sales-of-mortgages-rise-to-2022-level</link>
    </item>
    <item>
      <title>Mortgage-Specific AI Tools Offer Better Accuracy for Industry</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Artificial intelligence tools that are specifically designed for mortgage tasks offer more accurate results than general-purpose AI models, according to a new study.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237097</guid>
      <pubDate>Fri, 03 Apr 2026 11:03:25 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237097-mortgage-specific-ai-tools-offer-better-accuracy-results</link>
    </item>
    <item>
      <title>MISMO Offers Housing Counseling Dataset</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Industry Standards Maintenance Organization last week announced that its dataset that standardizes counseling data is ready for adoption.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237091</guid>
      <pubDate>Fri, 03 Apr 2026 11:02:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237091-mismo-housing-counseling-dataset-ready-for-adoption</link>
    </item>
    <item>
      <title>Homeownership Feels Impossible for Young People</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Young generations are investing in risky endeavors, such as day trading, sports betting and prediction markets, to build wealth instead of through homeownership.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237098</guid>
      <pubDate>Fri, 03 Apr 2026 11:01:25 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237098-homeownership-less-of-a-priority-for-younger-generations</link>
    </item>
    <item>
      <title>Freedom to Acquire MSR Holder Seneca</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Freedom Mortgage plans to acquire private equity-backed Seneca Mortgage Servicing and its billions in non-government mortgage servicing rights.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236996</guid>
      <pubDate>Fri, 20 Mar 2026 12:56:33 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236996-freedom-to-acquire-msr-holder</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>eNotes Adoption Hits Tipping Point</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The MERS eRegistry has surpassed 3 million eNotes, a milestone that sparks optimism for more adoption.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236994</guid>
      <pubDate>Fri, 20 Mar 2026 12:52:35 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236994-enotes-adoption-hits-tipping-point</link>
    </item>
    <item>
      <title>Tax Season Brings Challenges for Self-Employed Borrowers</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Self-employed borrowers are encouraged to watch what they write off if they plan to buy a home in the next two years.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236990</guid>
      <pubDate>Fri, 20 Mar 2026 12:51:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236990-tax-season-brings-challenges-for-self-employed-borrowers</link>
    </item>
    <item>
      <title>Low Credit Scores Impact More Than Mortgage Rates</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Lower credit scores lead to both stiffer mortgage rates and higher home insurance premiums, adding to the affordability challenge, according to new finding.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236956</guid>
      <pubDate>Fri, 20 Mar 2026 12:50:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236956-low-credit-scores-dont-just-impact-mortgage-rates</link>
    </item>
    <item>
      <title>Newrez Margins, Originations Increase in Fourth Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The lender’s gain-on-sale margin increased from 1.14% in the third quarter to 1.50% in the fourth quarter, with a rise in originations to boot. Leaders at the company cautioned that some lenders are gaining market share at the expense of earnings.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236861</guid>
      <pubDate>Fri, 06 Mar 2026 12:20:21 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236861-newrez-increases-margins-originations-in-fourth-quarter</link>
    </item>
    <item>
      <title>Servicers Raise Concerns Over Rising Insurance Costs, Taxes</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Servicers are concerned that unanticipated payment shocks tied to insurance and taxes may lead to an increase in delinquencies.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236858</guid>
      <pubDate>Fri, 06 Mar 2026 12:19:22 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236858-servicers-concerned-over-rising-insurance-and-taxes</link>
    </item>
    <item>
      <title>Mortgage Repurchases by Banks Decline in 4Q</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Repurchase and indemnification activity at banks and thrifts declined by 10.9% from the third to the fourth quarter of 2025. Though for the full year, repurchases increased by 4.8% compared with 2024. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236825</guid>
      <pubDate>Fri, 06 Mar 2026 12:16:23 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236825-mortgage-repurchases-by-banks-tick-down-in-4q</link>
    </item>
    <item>
      <title>Climate Change Driving Homeowner Migration</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Homeowners are moving away from areas with natural disaster risk due to rising property insurance costs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236855</guid>
      <pubDate>Fri, 06 Mar 2026 12:15:26 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236855-climate-change-driving-homeowner-migration</link>
    </item>
    <item>
      <title>Homeowners Increasingly Turning to BNPL Products</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Many homeowners are leaning on buy now, pay later products to manage their cash flows, according to a new report from JPMorgan Chase.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236860</guid>
      <pubDate>Fri, 06 Mar 2026 12:14:28 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236860-buy-now-pay-later-use-increases-among-homeowners</link>
    </item>
    <item>
      <title>RE/MAX Adjusts Mortgage Unit Amid Tough Market</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[The real estate brokerage adjusted the fee model for its Motto Mortgage business and cut off a number of partners.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236862</guid>
      <pubDate>Fri, 06 Mar 2026 12:13:29 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236862-re-max-adjusts-mortgage-unit-amid-tough-market</link>
    </item>
    <item>
      <title>Grapevine: FASB Considering Accounting Change; NAIC Capital Proposal</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[FASB looking at held-to-maturity hedging; NAIC proposes looser risk-based capital standard for mortgages held by life insurance companies; Better turns to new source of financing; Oregon bank to stop offering mortgages.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236863</guid>
      <pubDate>Fri, 06 Mar 2026 12:12:31 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236863-grapevine-fasb-considering-accounting-change-naic-capital-proposal</link>
    </item>
    <item>
      <title>Gray Areas Linger in Trigger Lead Reform</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The law banning trigger leads will make consumers less vulnerable to unsolicited credit offers, but the reforms still need some fine-tuning.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236738</guid>
      <pubDate>Thu, 26 Feb 2026 12:01:12 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236738-gray-areas-linger-in-trigger-lead-reform</link>
    </item>
    <item>
      <title>UWM Faced Competition in Acquisition of Two Harbors</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[UWM first made an unsolicited bid for Two Harbors in December 2024. Three other companies subsequently made formal bids for Two Harbors, with UWM prevailing in December 2025.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236696</guid>
      <pubDate>Fri, 20 Feb 2026 12:28:32 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236696-uwm-faced-competition-in-effort-to-acquire-two-harbors</link>
    </item>
    <item>
      <title>Borrowers Stressed by Rising Property Taxes and Insurance</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Servicers have limited means to mitigate continued increases in tax assessments and property insurance premiums that squeeze borrowers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236736</guid>
      <pubDate>Fri, 20 Feb 2026 12:24:35 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236736-borrowers-stressed-under-uncontrollable-t-and-i</link>
    </item>
    <item>
      <title>Lenders Encouraged to Consider Reverse Mortgages</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage executives believe reverse-mortgage products are a valuable tool to boost originations as the average age of homeowners is increasing and more seniors are looking for ways to take advantage of the equity in their homes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236731</guid>
      <pubDate>Fri, 20 Feb 2026 12:22:38 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236731-lenders-encouraged-to-consider-reverse-mortgages-to-boost-originations</link>
    </item>
    <item>
      <title>Mortgage Earnings Improve at ICE in 4Q; AI in the Works</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Operating income in Intercontinental Exchange’s mortgage technology segment increased during the fourth quarter of 2025 and the firm is working on a number of artificial intelligence initiatives.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236735</guid>
      <pubDate>Fri, 20 Feb 2026 12:21:39 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236735-ice-generates-revenue-in-4q-plans-for-ai-rollout</link>
    </item>
    <item>
      <title>Servicers Urged to Boost Efficiency as Foreclosures Rise</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Servicers should prepare for an increase in foreclosure activity among first-time borrowers and those with lower reserves.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236729</guid>
      <pubDate>Fri, 20 Feb 2026 12:19:41 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236729-servicers-urged-to-boost-efficiency-as-foreclosures-rise</link>
    </item>
    <item>
      <title>Grapevine: Onity Taps Tax Windfall; Loan Defects Increase</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Onity takes $120.0 million deferred tax asset valuation allowance; income/employment defects rise; Sagent launches servicing platform; AI company rescinds link to Intercontinental Exchange.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236737</guid>
      <pubDate>Fri, 20 Feb 2026 12:18:45 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236737-grapevine-onity-taps-tax-windfall-loan-defects-increase</link>
    </item>
    <item>
      <title>Bank MB Earnings Slump in 4Q25 Despite Higher Volume</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Nearly all publicly traded banks reported declining income from mortgage banking in the fourth quarter of 2025. But most of them saw an increase in earnings for the full year. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236586</guid>
      <pubDate>Fri, 06 Feb 2026 12:00:08 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236586-bank-mb-earnings-slump-in-4q25-despite-higher-volume</link>
    </item>
    <item>
      <title>Correspondents Lose Share in Agency Securitizations</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[Correspondent lenders lost market share to wholesale-brokers in agency securitizations as refinances made a strong comeback in the fourth quarter of 2025. Credit quality improved across the board. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236615</guid>
      <pubDate>Fri, 06 Feb 2026 11:58:09 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236615-correspondents-lose-share-in-agency-securitizations</link>
    </item>
    <item>
      <title>Lenders Increasingly Leveraging Data Intelligence for Retention</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Michael Patterson, chief operating officer at Freedom Mortgage, said intelligently using data collected from borrowers is key to improving customer experience and boosting retention.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236599</guid>
      <pubDate>Fri, 06 Feb 2026 11:57:11 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236599-lenders-increasing-leveraging-data-intelligent-for-retention</link>
    </item>
    <item>
      <title>Tech to Help Small Lenders Compete With Big Players</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Experts believe lenders will leverage new technologies to improve the customer experience.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236600</guid>
      <pubDate>Fri, 06 Feb 2026 11:56:13 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236600-lenders-increasing-leveraging-data-intelligent-for-retention</link>
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