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    <item>
      <title>Fannie Net Income Hit $4 Billion in Second Quarter</title>
      <author>ewilley@imfpubs.com</author>
      <description>Fannie Mae's net income rose to $4 billion in the second quarter, up about $300 million from the first.</description>
      <content:encoded>
        <![CDATA[Fannie Mae's net income rose to $4 billion in the second quarter, up about $300 million from the first. ]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238122</guid>
      <pubDate>Wed, 29 Jul 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238122-fannie-net-income-hit-4-billion-in-2q</link>
    </item>
    <item>
      <title>Two Harbors Turns Profit in Final Quarter as a Public Company</title>
      <author>jdohnert@imfpubs.com</author>
      <description>Two Harbors Investment generated a net income of $62.2 million during the second quarter of 2026.</description>
      <content:encoded>
        <![CDATA[Two Harbors Investment generated a net income of $62.2 million during the second quarter of 2026.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/238121</guid>
      <pubDate>Wed, 29 Jul 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238121-two-harbors-turns-profit-in-final-quarter-as-a-public-company</link>
    </item>
    <item>
      <title>Small GSE Servicers Increase Market Share</title>
      <author>ewilley@imfpubs.com</author>
      <description>Smaller servicers of Fannie Mae and Freddie Mac mortgages gained ground on their larger counterparts in the second quarter, according to Inside The GSEs.</description>
      <content:encoded>
        <![CDATA[Smaller servicers of Fannie Mae and Freddie Mac mortgages gained ground on their larger counterparts in the second quarter, according to <em>Inside The GSEs</em>.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238117</guid>
      <pubDate>Wed, 29 Jul 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238117-small-gse-servicers-increase-market-share</link>
    </item>
    <item>
      <title>Bill Seeks to End CFPB's Budgetary Independence</title>
      <author>ewilley@imfpubs.com</author>
      <description>In an uncommon move, the House Financial Services Committee has asked for public feedback on the CFPB Reform Act discussion draft.</description>
      <content:encoded>
        <![CDATA[In an uncommon move, the House Financial Services Committee has asked for public feedback on the CFPB Reform Act discussion draft.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238118</guid>
      <pubDate>Wed, 29 Jul 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238118-bill-seeks-end-to-cfpb-budgetary-independence</link>
    </item>
    <item>
      <title>Short Takes: EPM Appoints New Risk Officer / Applications Dip / Foreign Purchases Decreased Last Year / Newrez Predicts Resilient Purchase Market</title>
      <author>ewilley@imfpubs.com</author>
      <description>Equity Prime Mortgage has tapped a former company employee to strengthen its risk management framework.</description>
      <content:encoded>
        <![CDATA[Equity Prime Mortgage has tapped a former company employee to strengthen its risk management framework.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238120</guid>
      <pubDate>Wed, 29 Jul 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238120-short-takes</link>
    </item>
    <item>
      <title>Higher CFPB Consumer Complaints Follow Rocket's Acquisition of Mr. Cooper</title>
      <author>sclark@imfpubs.com</author>
      <description>After Rocket Mortgage shot to the top of the primary servicing rankings, it also topped the most mortgage-related complaints received by the Consumer Financial Protection Bureau for the first six months of 2026.</description>
      <content:encoded>
        <![CDATA[After Rocket Mortgage shot to the top of the primary servicing rankings, it also topped the most mortgage-related complaints received by the Consumer Financial Protection Bureau for the first six months of 2026.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/238107</guid>
      <pubDate>Tue, 28 Jul 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238107-rocket-subject-to-most-cfpb-mortgage-complaints</link>
    </item>
    <item>
      <title>Profits Decline for Newrez in 2Q</title>
      <author>jdohnert@imfpubs.com</author>
      <description>Newrez generated $113.1 million of income before taxes in the second quarter, down from $250.6 million in the previous quarter.</description>
      <content:encoded>
        <![CDATA[Newrez generated $113.1 million of income before taxes in the second quarter, down from $250.6 million in the previous quarter.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238108</guid>
      <pubDate>Tue, 28 Jul 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238108-profits-decline-for-newrez-in-2q</link>
    </item>
    <item>
      <title>Banks in Wait-and-See Mode Ahead of Regulatory Capital Changes</title>
      <author>jdohnert@imfpubs.com</author>
      <description>KBRA said bank management teams have said they want to see how the market responds to the revised capital rules.</description>
      <content:encoded>
        <![CDATA[KBRA said bank management teams have said they want to see how the market responds to the revised capital rules.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238109</guid>
      <pubDate>Tue, 28 Jul 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238109-banks-in-wait-and-see-mode-ahead-of-regulatory-capital-changes</link>
    </item>
    <item>
      <title>Redwood Takes Loss in 2Q</title>
      <author>jdohnert@imfpubs.com</author>
      <description>Redwood Trust's second-quarter loss was an improvement on first-quarter performance, reflecting a more cautious operating approach in April and May.</description>
      <content:encoded>
        <![CDATA[Redwood Trust's second-quarter loss was an improvement on first-quarter performance, reflecting a more cautious operating approach in April and May.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/238110</guid>
      <pubDate>Tue, 28 Jul 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238110-redwood-takes-loss-in-2q</link>
    </item>
    <item>
      <title>Short Takes: Dem Senators Push Pulte on Affordable Housing / Milliman Acquires MSR Valuation and Hedging Services / Judge Dismisses Zillow Steering Case / HPA Rises to Highest Rate Since August</title>
      <author>jdohnert@imfpubs.com</author>
      <description>Elizabeth Warren, D-MA, and Chuck Schumer, D-NY, have requested Bill Pulte's official calendars and questioned his availability to address FHFA issues.</description>
      <content:encoded>
        <![CDATA[Elizabeth Warren, D-MA, and Chuck Schumer, D-NY, have requested Bill Pulte's official calendars and questioned his availability to address FHFA issues.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238111</guid>
      <pubDate>Tue, 28 Jul 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238111-short-takes-dem-senators-push-pulte-on-affordable-housing-milliman-acquires-blue-water-msr-valuation-and-hedging-services-judge-dismisses-zillow-steering-case-hpa-rises-to-highest-rate-since-august</link>
    </item>
    <item>
      <title>Bayview Top Bulk Buyer of Agency MSR in 2Q</title>
      <author>bivey@imfpubs.com</author>
      <description>Bayview acquired $28.91 billion in unpaid servicing principal balance during the quarter, a nearly 90% increase in bulk acquisitions compared with its activity in the first quarter.</description>
      <content:encoded>
        <![CDATA[Bayview acquired $28.91 billion in unpaid servicing principal balance during the quarter, a nearly 90% increase in bulk acquisitions compared with its activity in the first quarter.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/238100</guid>
      <pubDate>Mon, 27 Jul 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238100-bayview-top-bulk-buyer-of-agency-msr-in-2q</link>
    </item>
    <item>
      <title>Foreclosures Slowly Rising</title>
      <author>jdohnert@imfpubs.com</author>
      <description>Foreclosure sales in June were up 16% from a year ago, according to a recent report by Intercontinental Exchange.</description>
      <content:encoded>
        <![CDATA[Foreclosure sales in June were up 16% from a year ago, according to a recent report by Intercontinental Exchange.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238101</guid>
      <pubDate>Mon, 27 Jul 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238101-foreclosures-slowly-rising</link>
    </item>
    <item>
      <title>Fannie Looks at ADUs to Boost Housing Supply</title>
      <author>dhollier@imfpubs.com</author>
      <description>Policies published by Fannie Mae in December allow ADUs to be treated like other home features or improvements.</description>
      <content:encoded>
        <![CDATA[Policies published by Fannie Mae in December allow ADUs to be treated like other home features or improvements.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238102</guid>
      <pubDate>Mon, 27 Jul 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238102-fannie-looks-at-adus-to-boost-housing-supply</link>
    </item>
    <item>
      <title>Recent Homebuyers Counting on Future Refi</title>
      <author>jdohnert@imfpubs.com</author>
      <description>About 50% of homeowners said that their mortgage could become unsustainable without a lower rate in the next three years, according to a recent Truework survey of buyers who purchased a home in the last 24 months.</description>
      <content:encoded>
        <![CDATA[About 50% of homeowners said that their mortgage could become unsustainable without a lower rate in the next three years, according to a recent Truework survey of buyers who purchased a home in the last 24 months.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238103</guid>
      <pubDate>Mon, 27 Jul 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238103-recent-homebuyers-counting-on-future-refi</link>
    </item>
    <item>
      <title>Short Takes: Housing Availability Cited as Biggest Obstacle to Homeownership / Negative Equity Becomes Near-Obsolete / BlackWolf Advisory, Authority Partners Team on AI Servicing / FoA Expands Executive Team</title>
      <author>jdohnert@imfpubs.com</author>
      <description>Some 46% of lenders believe a shortage of available starter homes is the biggest barrier for first-time buyers.</description>
      <content:encoded>
        <![CDATA[Some 46% of lenders believe a shortage of available starter homes is the biggest barrier for first-time buyers.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238104</guid>
      <pubDate>Mon, 27 Jul 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238104-short-takes-housing-availability-cited-as-biggest-obstacle-to-homeownership-negative-equity-becomes-near-obsolete-blackwolf-advisory-authority-partners-team-on-ai-servicing-foa-expands-executive-team</link>
    </item>
    <item>
      <title>Primary MI Volume Up Somewhat in First Half of 2026</title>
      <author>bivey@imfpubs.com</author>
      <description>In the first half of 2026, $120.88 billion of GSE purchase mortgages with private MI was securitized, a 4.5% increase from the first half of 2025.</description>
      <content:encoded>
        <![CDATA[In the first half of 2026, $120.88 billion of GSE purchase mortgages with private MI was securitized, a 4.5% increase from the first half of 2025.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238089</guid>
      <pubDate>Fri, 24 Jul 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238089-primary-mi-volume-up-somewhat-in-first-half-of-2026</link>
    </item>
    <item>
      <title>CFPB Director Nominee Johnson Details Priorities</title>
      <author>sclark@imfpubs.com</author>
      <description>Brian Johnson said he would prioritize protecting consumers, promoting accountability by ensuring the bureau acts prudently and within its statutory limits, and modernizing CFPB operations.</description>
      <content:encoded>
        <![CDATA[Brian Johnson said he would prioritize protecting consumers, promoting accountability by ensuring the bureau acts prudently and within its statutory limits, and modernizing CFPB operations.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238090</guid>
      <pubDate>Fri, 24 Jul 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238090-cfpb-director-nominee-johnson-details-priorities</link>
    </item>
    <item>
      <title>GSEs’ MBS Investing Providing Backstop for Market</title>
      <author>bivey@imfpubs.com</author>
      <description>The GSEs are acting like a relative value investor rather than crowding out other agency MBS investors, according to leaders of REITs that focus on agency MBS.</description>
      <content:encoded>
        <![CDATA[The GSEs are acting like a relative value investor rather than crowding out other agency MBS investors, according to leaders of REITs that focus on agency MBS.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238091</guid>
      <pubDate>Fri, 24 Jul 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238091-gses-mbs-investing-providing-backstop-for-market</link>
    </item>
    <item>
      <title>PrimeLending Takes Another Loss in 2Q, Originations Rise</title>
      <author>bivey@imfpubs.com</author>
      <description>PrimeLending took a pre-tax loss of $2.0 million in the second quarter of 2026, following a $2.4 million loss in the first quarter.</description>
      <content:encoded>
        <![CDATA[PrimeLending took a pre-tax loss of $2.0 million in the second quarter of 2026, following a $2.4 million loss in the first quarter.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238092</guid>
      <pubDate>Fri, 24 Jul 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238092-primelending-takes-another-loss-in-2q-originations-rise</link>
    </item>
    <item>
      <title>Short Takes: MBA Trims Forecast for Unemployment / MGIC Increases Dividend / Primis Settles Recruiting Lawsuit</title>
      <author>bivey@imfpubs.com</author>
      <description>The MBA now projects that the unemployment rate will hold at 4.3% through the end of the third quarter of 2026, before rising to 4.4% in the fourth quarter.</description>
      <content:encoded>
        <![CDATA[The MBA now projects that the unemployment rate will hold at 4.3% through the end of the third quarter of 2026, before rising to 4.4% in the fourth quarter.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238093</guid>
      <pubDate>Fri, 24 Jul 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238093-short-takes-mba-trims-forecast-for-unemployment-mgic-increases-dividend-primis-settles-recruiting-lawsuit</link>
    </item>
    <item>
      <title>Non-Agency MBS Issuance Down in Second Quarter</title>
      <author>jbancroft@imfpubs.com</author>
      <description>Much of the decline was from activity with seasoned mortgages.</description>
      <content:encoded>
        <![CDATA[Much of the decline was from activity with seasoned mortgages.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238069</guid>
      <pubDate>Thu, 23 Jul 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238069-non-agency-mbs-issuance-down-in-second-quarter</link>
    </item>
    <item>
      <title>Northpointe Bank Increasing Warehouse Lending Activity</title>
      <author>bivey@imfpubs.com</author>
      <description>Warehouse lending balances at Northpointe Bank increased by 36.3% on an annual basis to $3.94 billion as of the end of June.</description>
      <content:encoded>
        <![CDATA[Warehouse lending balances at Northpointe Bank increased by 36.3% on an annual basis to $3.94 billion as of the end of June.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238070</guid>
      <pubDate>Thu, 23 Jul 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238070-northpointe-bank-increasing-warehouse-lending-activity</link>
    </item>
    <item>
      <title>Button Finance Aggressive as It Enters Non-QM Market</title>
      <author>azimmardi@imfpubs.com</author>
      <description>"We’re comfortable with risk from many of the sellers out there that are already making those loans and selling them elsewhere," said Jason Harris, co-founder and CEO of Button Finance.</description>
      <content:encoded>
        <![CDATA["We’re comfortable with risk from many of the sellers out there that are already making those loans and selling them elsewhere," said Jason Harris, co-founder and CEO of Button Finance.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238072</guid>
      <pubDate>Thu, 23 Jul 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238072-button-finance-aggressive-as-it-enters-non-qm-market</link>
    </item>
    <item>
      <title>FHA Pulls Direct Endorsement Approval for 3 Lenders</title>
      <author>ewilley@imfpubs.com</author>
      <description>Equity Prime Mortgage, AmeriTrust Mortgage and OCMBC had their DE approval terminated in several regions.</description>
      <content:encoded>
        <![CDATA[Equity Prime Mortgage, AmeriTrust Mortgage and OCMBC had their DE approval terminated in several regions.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238075</guid>
      <pubDate>Thu, 23 Jul 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238075-fha-pulls-direct-endorsement-approval-for-3-lenders</link>
    </item>
    <item>
      <title>Short Takes: Condo Prices Declining / Movement Expands Spanish-Speaking Support / Earnings Improve at Another MBS-Focused REIT / Adamas Offers Its Largest Expanded-Credit MBS</title>
      <author>bivey@imfpubs.com</author>
      <description>Average condo prices declined by 0.7% on an annual basis as of mid-July, according to Intercontinental Exchange.</description>
      <content:encoded>
        <![CDATA[Average condo prices declined by 0.7% on an annual basis as of mid-July, according to Intercontinental Exchange.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238071</guid>
      <pubDate>Thu, 23 Jul 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238071-short-takes-condo-prices-declining-movement-expands-spanish-speaking-support-earnings-improve-at-another-mbs-focused-reit-adamas-offers-its-largest-expanded-credit-mbs</link>
    </item>
    <item>
      <title>Originations Up, Margins Down at AmeriHome in 2Q</title>
      <author>bivey@imfpubs.com</author>
      <description>The correspondent aggregator's volume was up 14.1% on a quarterly basis.</description>
      <content:encoded>
        <![CDATA[The correspondent aggregator's volume was up 14.1% on a quarterly basis.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238053</guid>
      <pubDate>Wed, 22 Jul 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238053-originations-up-margins-down-at-amerihome-in-2q</link>
    </item>
    <item>
      <title>Union Home Mortgage Acquires Non-QM Lender’s Origination Assets</title>
      <author>azimmardi@imfpubs.com</author>
      <description>Union Home Mortgage acquired the origination assets of non-qualified mortgage lender AmeriTrust Mortgage Corporation.</description>
      <content:encoded>
        <![CDATA[Union Home Mortgage acquired the origination assets of non-qualified mortgage lender AmeriTrust Mortgage Corporation.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238050</guid>
      <pubDate>Wed, 22 Jul 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238050-union-home-mortgage-acquires-non-qm-lenders-origination-assets</link>
    </item>
    <item>
      <title>Annaly Adds to Agency MBS Holdings in Second Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>Annaly generated $827.8 million of net income in the second quarter, nearly tripling its income from the first quarter.</description>
      <content:encoded>
        <![CDATA[Annaly generated $827.8 million of net income in the second quarter, nearly tripling its income from the first quarter.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238054</guid>
      <pubDate>Wed, 22 Jul 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238054-annaly-adds-to-agency-mbs-holdings-in-second-quarter</link>
    </item>
    <item>
      <title>No Gaming With Credit Scores: Equifax CEO</title>
      <author>bivey@imfpubs.com</author>
      <description>Mark Begor, CEO of Equifax, dismissed concerns that mortgage lenders are looking at scores from both FICO and VantageScore to determine which score to use with mortgages delivered to the GSEs.</description>
      <content:encoded>
        <![CDATA[Mark Begor, CEO of Equifax, dismissed concerns that mortgage lenders are looking at scores from both FICO and VantageScore to determine which score to use with mortgages delivered to the GSEs.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238055</guid>
      <pubDate>Wed, 22 Jul 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238055-no-gaming-with-credit-scores-equifax-ceo</link>
    </item>
    <item>
      <title>Short Takes: Interest Rates Unlikely to Decline / Home Sales, Prices Decline at Pulte / Freedom to Issue Debt</title>
      <author>bivey@imfpubs.com</author>
      <description>“Incoming data showed that inflation dropped in June, but with oil prices spiking again, that improvement seems unlikely to continue in July data, and mortgage rates are likely to remain higher as a result,” said Mike Fratantoni, a senior vice president and chief economist at the Mortgage Bankers Association.</description>
      <content:encoded>
        <![CDATA[“Incoming data showed that inflation dropped in June, but with oil prices spiking again, that improvement seems unlikely to continue in July data, and mortgage rates are likely to remain higher as a result,” said Mike Fratantoni, a senior vice president and chief economist at the Mortgage Bankers Association.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/238056</guid>
      <pubDate>Wed, 22 Jul 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238056-short-takes-interest-rates-unlikely-to-decline-home-sales-prices-decline-at-pulte-freedom-to-issue-debt</link>
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