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    <title>Government-Insured Originations</title>
    <description>
      <![CDATA[]]>
    </description>
    <link>https://www.insidemortgagefinance.com/rss</link>
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    <item>
      <title>Correspondent Share of FHA, VA Lending Increases in 2025</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Among a large group of lenders, the correspondent channel accounted for a 38.0% share of government-insured originations in 2025, up from a 34.5% share in 2024. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237064</guid>
      <pubDate>Fri, 27 Mar 2026 15:50:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237064-uwm-drove-govt-broker-channel-boom-in-4q</link>
    </item>
    <item>
      <title>HECM Endorsements Tick Up in 2025</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Endorsements of home equity conversion mortgages increased by 3.2% on an annual basis in 2025, even with four consecutive quarterly declines since the fourth quarter of 2024. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237041</guid>
      <pubDate>Fri, 27 Mar 2026 15:45:32 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237041-hecm-markets-strong-year-slid-in-4q</link>
    </item>
    <item>
      <title>FHA, VA Refi Endorsements Soar in Fourth Quarter</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[VA refinance activity more than doubled in the fourth quarter and FHA refi volume was up 55%. United Wholesale Mortgage was the top lender in both government loan programs. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236798</guid>
      <pubDate>Fri, 27 Feb 2026 16:36:50 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236798-government-refi-endorsements-exploded-in-4q</link>
    </item>
    <item>
      <title>Correspondents Gain Market Share in Government Lending </title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Lenders grew the share of government-insured loans originated through correspondent channels in the third quarter, according to an Inside FHA/VA Lending analysis of proprietary survey data.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236233</guid>
      <pubDate>Fri, 02 Jan 2026 15:10:47 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236233-government-lenders-increased-correspondent-share</link>
    </item>
    <item>
      <title>Gen Z Veterans Drive VA Purchase Lending Up</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Younger borrowers are behind much of the growth of VA purchase mortgages, according to an analysis by Veterans United.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236155</guid>
      <pubDate>Fri, 12 Dec 2025 14:32:43 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236155-gen-z-veterans-drive-va-purchase-growth-veterans-united</link>
    </item>
    <item>
      <title>Retail Channel Gains Share in Government Market in 2Q</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The expansion of government-insured lending through the retail channel in the second quarter outpaced growth in correspondent and broker channels. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235380</guid>
      <pubDate>Fri, 19 Sep 2025 14:55:21 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235380-retail-channel-grew-fastest-in-2q-govt-market</link>
    </item>
    <item>
      <title>Servicers Prepare for FHA Waterfall Changes</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage servicers have been putting in the hours to prepare for FHA’s expedited rollout of its new loss-mitigation waterfall beginning next month.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235395</guid>
      <pubDate>Fri, 19 Sep 2025 14:46:25 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235395-servicers-prepare-for-fha-waterfall-changes</link>
    </item>
    <item>
      <title>FHA, VA Loan Endorsements Increase in Second Quarter</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Government-insured lending increased by 17.3% during the second quarter, lifted by purchase mortgages. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235156</guid>
      <pubDate>Fri, 22 Aug 2025 14:09:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235156-govt-loan-endorsements-rise-in-2q</link>
    </item>
    <item>
      <title>Correspondent Channel Gains Share in Government Market</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The volume of government-insured loans originated through the correspondent channel increased 10.6% on a quarterly basis in the first quarter, while retail and broker originations shrank. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234628</guid>
      <pubDate>Fri, 27 Jun 2025 14:27:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234628-govt-loans-make-gains-in-correspondent-channels</link>
    </item>
    <item>
      <title>USDA Eyes Guaranteed SFH Loan Subsidies</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The U.S. Department of Agriculture’s Rural Housing Service is considering subsidizing a portion of its guaranteed home loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234378</guid>
      <pubDate>Fri, 30 May 2025 12:48:08 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234378-usda-eyes-guaranteed-sfh-loan-subsidies</link>
    </item>
    <item>
      <title>Veterans United Correspondent Sales Weakened in 2024</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Veterans United Home Loans saw a sharp decline in correspondent sales of government-backed loans in 2024, while volume at Guild Mortgage and Rate surged. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234294</guid>
      <pubDate>Fri, 16 May 2025 12:06:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234294-veterans-united-correspondent-sales-weakened-in-2024</link>
    </item>
    <item>
      <title>HECM Endorsements Decline in 2024 Despite 4Q Lift</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[HECM lending increased by 5.3% on a quarterly basis in the fourth quarter of 2024. But for the full year, endorsements declined, with a downturn in production in four major states. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233931</guid>
      <pubDate>Fri, 04 Apr 2025 14:49:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233931-hecm-endorsements-decline-in-2024-despite-4q-lift</link>
    </item>
    <item>
      <title>HUD OIG Finds Quality Control Concerns at loanDepot, CMG</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The quality control processes of two FHA lenders affected review sample sizes, risk evaluations and reviews of loans that experience early payment defaults.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233744</guid>
      <pubDate>Fri, 21 Mar 2025 12:49:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233744-hud-audit-finds-quality-control-concerns-at-loandepot-cmg</link>
    </item>
    <item>
      <title>FHA Lending Slows in Fourth Quarter Despite Refi Spike</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[FHA-to-FHA refis increased by nearly 70% in the fourth quarter while purchase mortgage volume slid 12.4%. United Wholesale Mortgage remained the largest FHA lender in 2024.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233790</guid>
      <pubDate>Fri, 21 Mar 2025 12:36:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233790-fha-lending-slows-in-4q-despite-refi-spike</link>
    </item>
    <item>
      <title>Correspondents Recapture Government Lending Share</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[In the fourth quarter of 2024, correspondent aggregators regained FHA/VA market share previously lost to wholesale-brokers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233796</guid>
      <pubDate>Fri, 21 Mar 2025 12:32:44 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233796-correspondents-recapture-government-lending-share</link>
    </item>
    <item>
      <title>FHA, VA Functioning Despite Dire Warnings</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Sharp staff cuts at FHA, VA and Ginnie Mae could lead to major problems for mortgage lenders and borrowers, according to analysts. But for now it appears to be business as usual for originations and servicing.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233640</guid>
      <pubDate>Fri, 07 Mar 2025 14:40:05 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233640-fha-va-functioning-despite-dire-warnings</link>
    </item>
    <item>
      <title>FHA Issues Temporary Waiver on Flood Elevation</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The requirements for new construction were established in a final rule issued in April 2024. The temporary waiver was prompted by executive orders from President Trump.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233643</guid>
      <pubDate>Fri, 07 Mar 2025 14:38:08 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233643-fha-issues-temporary-waiver-on-flood-elevation</link>
    </item>
    <item>
      <title>VA Refi Demand Spikes on Interest Rate Decline</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The average interest rate on a 30-year fixed-rate VA mortgage declined from 6.417% on Feb. 20 to 6.094% on Feb. 28.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233660</guid>
      <pubDate>Fri, 07 Mar 2025 14:36:09 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233660-va-refi-demand-spikes-on-interest-rate-decline</link>
    </item>
    <item>
      <title>PHH Loosens Standards for Streamlined FHA, VA Refis</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The correspondent lender has removed certain overlays on streamlined refinance programs at FHA and VA. Newrez, meanwhile, added some overlays.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233663</guid>
      <pubDate>Fri, 07 Mar 2025 14:35:12 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233663-phh-lossens-standards-for-streamlined-fha-va-refis</link>
    </item>
    <item>
      <title>Around the Industry</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[FHA extends foreclosure moratorium tied to LA wildfires; HUD rescinds Affirmatively Furthering Fair Housing rule; CSBS seeks Ginnie servicing reforms; RHS delays servicing changes; Rate offers complimentary, temporary insurance for first responders; bill in Senate would speed mortgage processing at Bureau of Indian Affairs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233664</guid>
      <pubDate>Fri, 07 Mar 2025 14:33:14 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233664-around-the-industry</link>
    </item>
    <item>
      <title>New HUD Secretary Has His Eyes Set on Affordability</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Senate voted 55-44 to confirm Scott Turner as housing secretary, paving the way for the Trump administration to install new leadership at FHA and Ginnie Mae.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233401</guid>
      <pubDate>Fri, 07 Feb 2025 11:57:24 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233401-turner-takes-over-at-hud-focus-on-affordability</link>
    </item>
    <item>
      <title>Confusion Following Trump’s Attempted Funding Pause</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The pause was ultimately rescinded following court injunctions. In the meantime, participants in government-insured mortgage programs faced uncertainty.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233403</guid>
      <pubDate>Fri, 07 Feb 2025 11:55:26 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233403-confusion-following-trumps-funding-pause</link>
    </item>
    <item>
      <title>HUD Delays Effective Date of HOME Program Revisions</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The changes were set to take effect Feb. 5. Instead, HUD instituted a 90-day delay to review the final rule developed by the Biden administration.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233404</guid>
      <pubDate>Fri, 07 Feb 2025 11:50:34 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233404-hud-delays-effective-date-of-home-program-revisions</link>
    </item>
    <item>
      <title>Around the Industry</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[VA sets return-to-office requirements for employees; Indecomm adds FHA underwriting; RHS interest rates increase; number of downpayment assistance programs grows.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233405</guid>
      <pubDate>Fri, 07 Feb 2025 11:49:37 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233405-around-the-industry</link>
    </item>
    <item>
      <title>Trump Appears Unlikely to Reduce FHA Premiums</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[With a new federal administration in charge, the MBA renewed its calls for reductions to FHA premiums. However, the Trump administration is unlikely to cut premiums.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233274</guid>
      <pubDate>Fri, 24 Jan 2025 13:08:44 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233274-trump-admin-appears-unlikely-to-reduce-fha-premiums</link>
    </item>
    <item>
      <title>VA Loan Fee Hike Extended by New Healthcare Law</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[VA origination fees will stay at elevated levels through mid-2034 rather than coming down near the end of 2031. The extension was prompted by a bill that passed Congress with broad bipartisan support.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233279</guid>
      <pubDate>Fri, 24 Jan 2025 13:04:37 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233279-va-loan-fee-extended-by-new-healthcare-law</link>
    </item>
    <item>
      <title>HECM Endorsements Level in Third Quarter, FoA Slides</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Endorsement activity involving traditional HECMs declined slightly and production of HECMs for home purchase increased during the third quarter. Mutual of Omaha remained the top HECM lender. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232993</guid>
      <pubDate>Fri, 20 Dec 2024 15:18:09 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232993-hecm-endorsements-level-in-third-quarter-foa-slides</link>
    </item>
    <item>
      <title>Third-Party Lending Share Shifts in Third Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Among a large group of FHA/VA lenders, the broker channel accounted for 24.8% of government-insured originations in the third quarter. UWM and PennyMac sharply increased their broker volume in the quarter. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233014</guid>
      <pubDate>Fri, 20 Dec 2024 15:15:11 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233014-third-party-lending-share-shifts-in-third-quarter</link>
    </item>
    <item>
      <title>Strong Refi Market Drives FHA, VA Originations in 3Q</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Lenders originated $112.67 billion of FHA and VA loans in the third quarter — the highest quarterly volume for the government loan programs since the second quarter of 2022. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232758</guid>
      <pubDate>Fri, 22 Nov 2024 13:59:10 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232758-va-refis-rise-dramatically-in-3q</link>
    </item>
    <item>
      <title>FHA Aims to Shore Up HECM Program</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[FHA and Ginnie Mae officials are working to ensure HECMs are available by implementing various reforms.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232605</guid>
      <pubDate>Fri, 08 Nov 2024 14:14:12 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232605-fha-aims-to-shore-hecm-program-for-lenders-retirees</link>
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