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    <title>Profitability</title>
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      <title>Production vs Servicing Results Mixed in 4Q25</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Earnings reports from public companies showed gains in production-related and servicing income during the fourth quarter, but the broader MBA performance study found declines on both sides of the business. (Includes data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236975</guid>
      <pubDate>Fri, 20 Mar 2026 13:00:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236975-production-vs-servicing-results-mixed-in-4q25</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>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>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>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>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>
    </item>
    <item>
      <title>Bank Mergers and the Availability of Mortgage Credit</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Researchers at the FRB of Richmond demonstrate how banks that gain local market share by acquiring an existing bank are likely to decrease FHA lending even while increasing conventional lending.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236589</guid>
      <pubDate>Fri, 06 Feb 2026 11:51:24 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236589-bank-mergers-and-the-availability-of-mortgage-credit</link>
    </item>
    <item>
      <title>Production Picks up Slack as Servicing Income Fades</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Gain-on-sale margins improved in the third quarter, helping to offset a decline in net servicing income. (Includes data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236176</guid>
      <pubDate>Fri, 19 Dec 2025 12:50:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236176-production-picks-up-slack-as-3q25-servicing-income-fades</link>
    </item>
    <item>
      <title>Planet Financial, UWM Facing Some Financial Pressure</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The parent companies of Planet Home Lending and United Wholesale Mortgage were hit with rating moves by Fitch Ratings, which cited an increase in corporate leverage at the companies.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236221</guid>
      <pubDate>Fri, 19 Dec 2025 12:07:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236221-planet-financial-uwm-facing-some-financial-pressure</link>
    </item>
    <item>
      <title>Bank Mortgage Earnings Up 6.1% in Third Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Banks and thrifts had a combined $2.49 billion of mortgage-banking income in the third quarter. Western Alliance Bank stood out, more than doubling its earnings from the second quarter. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236214</guid>
      <pubDate>Fri, 12 Dec 2025 12:08:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236214-bank-mortgage-earnings-up-61-in-third-quarter</link>
    </item>
    <item>
      <title>Credit Bureaus Have Big Expectations for VantageScore</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Leaders at the three major credit bureaus, which own VantageScore, expect to see strong revenues and profits as the GSEs allow VantageScore to compete with FICO.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236089</guid>
      <pubDate>Fri, 05 Dec 2025 12:14:13 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236089-credit-bureaus-have-big-expectations-for-vantagescore</link>
    </item>
    <item>
      <title>Freddie Estimates Cost Savings for Digitized Lenders</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Lenders with high adoption rates for tools from Freddie Mac like automated collateral estimator and asset and income modeler have significantly lower per-loan costs and higher per-loan profits, the GSE says.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236053</guid>
      <pubDate>Fri, 05 Dec 2025 12:12:15 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236053-freddie-mac-estimates-cost-savings-for-digitized-lenders</link>
    </item>
    <item>
      <title>Homebuyers, Sellers at Impasse as Delistings Rise</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Sellers are unwilling to budge on price and buyers are waiting for better deals or a shift in market, prompting more delistings.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236084</guid>
      <pubDate>Fri, 05 Dec 2025 12:07:21 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236084-buyers-sellers-at-impasse-as-delistings-rise</link>
    </item>
    <item>
      <title>Figure Shifting From Direct Lender to Platform </title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[After originating HELOCs on its own as a proof-of-concept, Figure Technology Solutions is now largely facilitating originations and loan sales for others, charging fees along the way. The company generated $89.8 million of net income in the third quarter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235958</guid>
      <pubDate>Fri, 21 Nov 2025 12:04:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235958-figure-shifting-from-direct-lender-to-platform</link>
    </item>
    <item>
      <title>Smaller Banks Making Big Moves With Mortgages</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Primis Bank, SmartBank, Bank7 and other smaller banks are touting efforts to increase their mortgage lending. Meanwhile, some banks continue to pull back from the sector.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235841</guid>
      <pubDate>Fri, 07 Nov 2025 12:04:14 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235841-smaller-banks-making-big-moves-with-mortgages</link>
    </item>
    <item>
      <title>Demand for AI-Backed Tools Lifts ICE Mortgage Revenue</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[ICE’s lender clients are interested in using AI for document automation and customer engagement.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235840</guid>
      <pubDate>Fri, 07 Nov 2025 12:01:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235840-ai-boosts-ice-mortgage-segment-revenue</link>
    </item>
    <item>
      <title>Leaders Call for More Competition in Credit Reporting</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage lenders are seeking innovation and increased competition for credit reporting as loan origination costs continue to rise.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235721</guid>
      <pubDate>Fri, 24 Oct 2025 12:08:54 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235721-mortgage-leaders-call-for-more-competition-in-credit-scoring-models</link>
    </item>
    <item>
      <title>M&amp;A to Continue as Originations Plateau</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Merger and acquisition activity is expected to rise as more lenders attempt to reach economies of scale.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235719</guid>
      <pubDate>Fri, 24 Oct 2025 12:07:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235719-m-and-a-to-continue-as-rates-stay-steady</link>
    </item>
    <item>
      <title>G-Fee Hike in 2023 Increased Rejection Rates</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[When g-fees increase, lenders unable to pass the added cost through to all borrowers tend to ration credit by rejecting more loans and charging higher rates, according to new research.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235687</guid>
      <pubDate>Fri, 24 Oct 2025 12:05:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235687-2023-g-fees-hikes-increased-rejection-rates</link>
    </item>
    <item>
      <title>Mortgage-Banking Income Up on Production, Servicing</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[A surge in originations helped boost mortgage-banking income in the second quarter, while MSR marks dampened servicing income. (Includes data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235435</guid>
      <pubDate>Fri, 26 Sep 2025 13:50:55 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235435-mortgage-banking-income-up-on-production-servicing</link>
    </item>
    <item>
      <title>Mortgage Companies Urged to Adopt AI for Efficiency</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The mortgage industry appears to be lagging other sectors in adoption of artificial intelligence. Tech providers stress that AI offers lenders potential gains in productivity with limited downsides.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235452</guid>
      <pubDate>Fri, 26 Sep 2025 13:34:57 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235452-mortgage-companies-urged-to-adopt-ai-for-efficiency</link>
    </item>
    <item>
      <title>Rate Expands Language Access Program</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The lender sees major opportunities to increase mortgage volume by reaching out to borrowers who speak only Spanish or have limited English proficiency, even as HUD pulls back on translation services.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235455</guid>
      <pubDate>Fri, 26 Sep 2025 13:32:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235455-rate-expands-language-access-program-as-hud-pullbacks-on-translation-services</link>
    </item>
    <item>
      <title>MISMO's e-Eligibility Exchange Helping eNote Adoption</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Officials at MISMO believe that the e-Eligibility Exchange has helped mortgage lenders overcome counterparty approval challenges for use of eNotes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235457</guid>
      <pubDate>Fri, 26 Sep 2025 13:25:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235457-mismos-e-eligibility-exchange-helps-drive-e-note-adoption</link>
    </item>
    <item>
      <title>Lenders Focusing on Streamlining Business</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage executives count on AI and automation to streamline business processes and reduce overall costs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235203</guid>
      <pubDate>Fri, 29 Aug 2025 13:45:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235203-mortgage-execs-put-focuses-on-streamlining-business-in-2025</link>
    </item>
    <item>
      <title>MISMO Launches Confidence Score Standard for AVMs</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The new standard comes ahead of the Oct. 1 effective date for quality control standards that federal regulators announced last year.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235208</guid>
      <pubDate>Fri, 29 Aug 2025 13:44:07 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235208-mismo-launches-common-confidence-score-standard-for-avms</link>
    </item>
    <item>
      <title>Lenders Eye Agentic AI to Improve Margins</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Agentic AI is both proactive and autonomous, allowing for multi-step actions to be completed without human interactions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235092</guid>
      <pubDate>Fri, 15 Aug 2025 11:39:54 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235092-lenders-eye-agentic-ai-to-lower-margins</link>
    </item>
    <item>
      <title>Ishbia Sets High Expectations for UWM Partnership With Bilt</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Bilt is a payments platform that offers rewards to consumers. The company recently received a $100 million investment from United Wholesale Mortgage at a valuation of $10.75 billion.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235074</guid>
      <pubDate>Fri, 15 Aug 2025 11:37:57 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235074-ishbia-sets-high-expectations-for-uwm-partnership-with-bilt</link>
    </item>
    <item>
      <title>VantageScore Touts Benefits of New Score</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The use of positive rental payment data and cash flow underwriting in new credit score models is expected to increase the number of borrowers that qualify for mortgages.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234931</guid>
      <pubDate>Fri, 01 Aug 2025 11:20:55 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234931-vantagescore-touts-benefits-of-new-score</link>
    </item>
    <item>
      <title>Rocket Working Toward ‘Refi Button’ Amid Acquisitions</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Rocket Mortgage is leaning on artificial intelligence to improve lending efficiency. The nonbank is wrapping up its acquisition of Mr. Cooper and already seeing benefits from its acquisition of Redfin.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234966</guid>
      <pubDate>Fri, 01 Aug 2025 11:16:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234966-rocket-working-toward-refi-button-amid-acquisitions</link>
    </item>
    <item>
      <title>Grapevine: Rate Outlook; Slower Home Price Appreciation</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage rates aren’t expected to move down much even if the Fed cuts interest rates next month; GSE economists slash projections for home price appreciation; ICE integrates origination and servicing platforms to originate home equity loans; majority of homeowners feeling financially stressed.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234964</guid>
      <pubDate>Fri, 01 Aug 2025 11:10:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234964-grapevine-interest-rate-outlook-fannie-projects-slower-home-price-appreciation</link>
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