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    <item>
      <title>Rising Interest Rates Diminishing Mortgage Demand</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[“Demand [for mortgages] remains highly rate-sensitive despite increased [housing] inventory,” according to Bob Broeksmit, president and CEO of the Mortgage Bankers Association.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237119</guid>
      <pubDate>Fri, 03 Apr 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237119-rising-interest-rates-diminishing-mortgage-demand</link>
    </item>
    <item>
      <title>HECM Endorsements Increase Slightly in 2025</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Endorsements of FHA home equity conversion mortgages rose 3.2% on an annual basis to $14.17 billion in 2025.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237120</guid>
      <pubDate>Fri, 03 Apr 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237120-hecm-endorsements-increase-slightly-in-2025</link>
    </item>
    <item>
      <title>Pennymac Spreads Out Agency-Eligible Deliveries</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Ellington Financial is set to issue a non-agency MBS with GSE-eligible mortgages originated by Pennymac.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237121</guid>
      <pubDate>Fri, 03 Apr 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237121-pennymac-spreads-out-agency-eligible-deliveries</link>
    </item>
    <item>
      <title>Lenders Face Complications With Non-Agency Lending</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Didi Parks, vice president of national accounts at Incenter Diligence Solutions, a third-party review firm, said it’s important that originators offering a new product ensure their staff is well trained, because if not all underwriting requirements are met, the originator could take pricing hits or might not be able to sell the loans at all.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237122</guid>
      <pubDate>Fri, 03 Apr 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237122-lenders-face-complications-with-non-agency-lending</link>
    </item>
    <item>
      <title>Short Takes: GSEs Delay UCD Timeline / Lending Up Slightly in 1Q at Figure / Newrez Launches CES Product in Wholesale / PartnerOne Acquires Mortgage Cadence</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The GSEs plan to announce a new adoption date for the Uniform Closing Dataset during the fourth quarter of 2026.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237123</guid>
      <pubDate>Fri, 03 Apr 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237123-short-takes-gses-delay-ucd-timeline-lending-up-slightly-in-1q-at-figure-newrez-launches-ces-product-in-wholesale-partnerone-acquires-mortgage-cadence</link>
    </item>
    <item>
      <title>Fannie Loosens Quality Control Standards for Lenders</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Fannie said the changes were made in response to feedback from lenders.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237106</guid>
      <pubDate>Thu, 02 Apr 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237106-fannie-loosens-quality-control-standards-for-lenders</link>
    </item>
    <item>
      <title>Ishbia Optimistic About Interest Rate Outlook With Warsh</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Mat Ishbia, president and CEO of United Wholesale Mortgage, hopes that “things will calm down, globally” to help reduce interest rates.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237107</guid>
      <pubDate>Thu, 02 Apr 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237107-ishbia-optimistic-about-interest-rate-outlook-with-warsh</link>
    </item>
    <item>
      <title>Retail Share of Nonconforming Lending Down Slightly</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[The retail channel’s share of nonconforming mortgage originations ticked down in 2025, to 68.2% from 68.8% in 2024.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237108</guid>
      <pubDate>Thu, 02 Apr 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237108-retail-share-of-nonconforming-lending-down-slightly</link>
    </item>
    <item>
      <title>Bank Capital Requirement Proposal Could Slow MBS Deliveries</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Analysts suggest that the incentives in the proposals to retain mortgage originations are stronger than the incentives for banks to increase their deliveries into MBS.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237113</guid>
      <pubDate>Thu, 02 Apr 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237113-bank-capital-requirement-proposal-could-slow-mbs-deliveries</link>
    </item>
    <item>
      <title>Short Takes: Pending Home Sales Down Compared With 2025 / Move to Jacksonville? / Second-Lien Reverse-Mortgage Line of Credit</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[“High costs, along with economic uncertainty from the Iran war, have sidelined some would-be homebuyers,” Redfin said.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237112</guid>
      <pubDate>Thu, 02 Apr 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237112-short-takes-pending-home-sales-down-compared-with-2025-move-to-jacksonville-second-lien-reverse-mortgage-line-of-credit</link>
    </item>
    <item>
      <title>Mortgage Applications Decline for Third Consecutive Week</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Applications declined by 10.4% on a weekly basis the week ending March 27.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237092</guid>
      <pubDate>Wed, 01 Apr 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237092-mortgage-applications-decline-for-third-consecutive-week</link>
    </item>
    <item>
      <title>Residential Mortgage Securitization Rate Steady in 2025</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Some 68.0% of mortgages originated in 2025 were sold into mortgage-backed securities.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237093</guid>
      <pubDate>Wed, 01 Apr 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237093-residential-mortgage-securitization-rate-steady-in-2025</link>
    </item>
    <item>
      <title>CHLA Expects More Price Increases for Credit Scores</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[FICO’s profile and the elevated stock price/earnings ratio for the company relative to the S&P 500 average PE ratio lead CHLA to project that there will be “another round of major price hikes” for credit scores this fall.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237094</guid>
      <pubDate>Wed, 01 Apr 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237094-chla-expects-more-price-increase-for-credit-scores</link>
    </item>
    <item>
      <title>Short Takes: Modest Home Price Appreciation Expected / Losses Decline at Mortgage Unit / US Bank Turns to Built for Construction Loans / Securitization of Home Improvement Loans</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA["While the 2026 spring homebuying season may spark some momentum, the most likely outcome is modest price growth as buyers and sellers remain at a standoff," said Thom Malone, principal economist at Cotality.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237096</guid>
      <pubDate>Wed, 01 Apr 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237096-short-takes-modest-home-price-appreciation-expected-losses-decline-at-mortgage-unit-in-2025-us-bank-turns-to-built-for-construction-loans-securitization-of-home-improvement-loans</link>
    </item>
    <item>
      <title>Correspondent Channel Gains Share in FHA/VA Lending</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The correspondent channel accounted for 38.0% of government-insured originations in 2025, up from a 34.5% share in 2024.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237081</guid>
      <pubDate>Tue, 31 Mar 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237081-correspondent-channels-gains-share-in-fha-va-lending</link>
    </item>
    <item>
      <title>Lennar Defends Business Model Amid Stock Slide</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The homebuilder defended its “land-light” and “volume-prioritized” strategy.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237083</guid>
      <pubDate>Tue, 31 Mar 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237083-lennar-defends-business-model-amid-stock-slide</link>
    </item>
    <item>
      <title>Losses Increase at Beeline in Fourth Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The lender took an $8.4 million loss in the fourth quarter of 2025, more than double the loss it posted in the previous quarter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237084</guid>
      <pubDate>Tue, 31 Mar 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237084-losses-increase-at-beeline-in-fourth-quarter</link>
    </item>
    <item>
      <title>Short Takes: Home Price Appreciation Slows / Cornerstone’s Servicer Ratings Upgraded / Better Boosts Warehouse Facility / RHS Proposes Allowing ADU Financing</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Home prices increased by 0.1% on a monthly basis in January, according to the Federal Housing Finance Agency.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237085</guid>
      <pubDate>Tue, 31 Mar 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237085-short-takes-home-price-appreciation-slows-cornerstones-servicer-ratings-upgraded-better-boosts-warehouse-facility-rhs-proposes-allowing-adu-financing</link>
    </item>
    <item>
      <title>Home Affordability Higher Than Average in Most Counties</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Homes were less affordable than historical averages in 97% of counties in the first quarter of 2026, according to a recent report by ATTOM.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237078</guid>
      <pubDate>Mon, 30 Mar 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237078-home-affordability-higher-than-average-in-most-counties</link>
    </item>
    <item>
      <title>Home Equity Loan Originations Increase by 25% on Annual Basis</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Some $279.0 billion of home equity loans were originated in 2025.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237070</guid>
      <pubDate>Fri, 27 Mar 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237070-home-equity-loan-originations-increase-by-25-on-annual-basis</link>
    </item>
    <item>
      <title>VA Open to Reducing Appraisal Standards</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Patrick Zondervan, executive director of the VA Loan Guaranty Service, said the agency was “absolutely willing” to examine its appraiser requirements.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237071</guid>
      <pubDate>Fri, 27 Mar 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237071-va-open-to-reducing-appraisal-standards</link>
    </item>
    <item>
      <title>Two Harbors Drops UWM Plan, Switches to CrossCountry</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[As part of the agreement, CrossCountry paid $25.4 million to United Wholesale Mortgage, a termination fee to end the acquisition agreement UWM had with Two Harbors.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237072</guid>
      <pubDate>Fri, 27 Mar 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237072-two-harbors-drops-uwm-plan-switches-to-crosscountry</link>
    </item>
    <item>
      <title>GSE Completes Pilot Securitization With VantageScore</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Loans backing the securitization included both VantageScore 4.0 and Classic FICO.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237073</guid>
      <pubDate>Fri, 27 Mar 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237073-gse-completes-pilot-securitization-with-vantagescore</link>
    </item>
    <item>
      <title>Short Takes: Non-QM Impairments Rise / Expanded-Credit MBS Issuance Perks Up / Wells Transferring Some Non-Agency Servicing / UWM ARMs in Jumbo MBS From Chase</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Nine expanded-credit MBS deals hit the market this week. The number the week before: one.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237074</guid>
      <pubDate>Fri, 27 Mar 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237074-short-takes-non-qm-impairments-rise-expanded-credit-mbs-issuance-perks-up-wells-transferring-some-non-agency-servicing-uwm-arms-in-jumbo-mbs-from-chase</link>
    </item>
    <item>
      <title>Profits Decline at FHLBanks in Fourth Quarter</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Just two of the 11 regional FHLBanks managed to increase annual profits from 2024 levels: the Chicago and San Francisco organizations.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237048</guid>
      <pubDate>Thu, 26 Mar 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237048-profits-decline-at-fhlbanks-in-fourth-quarter</link>
    </item>
    <item>
      <title>Better to Offer Fannie-Eligible Mortgage With Crypto Pledge</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The second lien tied to the crypto pledge requires monthly payments and the combined interest rate for the product could be higher than a comparable traditional mortgage.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237054</guid>
      <pubDate>Thu, 26 Mar 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237054-better-to-offer-fannie-eligible-mortgage-with-crypto-pledge</link>
    </item>
    <item>
      <title>Production, Servicing Earnings Mixed Across Lenders in 4Q</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Among 19 companies that report details on their mortgage-banking operations, production and secondary marketing income was up 10.5%, while servicing saw a 45.3% increase.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237055</guid>
      <pubDate>Thu, 26 Mar 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237055-production-servicing-earnings-mixed-across-lenders-in-4q</link>
    </item>
    <item>
      <title>Mortgage Economists Divided on Rate Outlook</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Economists at Fannie Mae project that interest rates on mortgages will fall throughout 2026 while MBA's economists see rates rising through September.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237033</guid>
      <pubDate>Wed, 25 Mar 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237033-mortgage-economists-divided-on-rate-outlook</link>
    </item>
    <item>
      <title>Iran War Suppressing Homebuyer Demand: KB Home</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[“The last couple of weeks have been a little softer than what we would like to see or what we normally get this time of year,” said Robert McGibney, president and CEO of KB Home.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237034</guid>
      <pubDate>Wed, 25 Mar 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237034-iran-war-suppressing-homebuyer-demand-kb-home</link>
    </item>
    <item>
      <title>Short Takes: Unemployment Rate Expected to Rise / Delinquencies Increase / Sale Prices Decline at KB Home / Citi Offers Large RPL MBS</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[MBA projects that the unemployment rate will rise from 4.4% in the first quarter of 2026 to a peak of 4.7% in the third quarter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237035</guid>
      <pubDate>Wed, 25 Mar 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237035-short-takes-unemployment-rate-expected-to-rise-delinquencies-increase-sales-prices-decline-at-kb-home-citi-offers-large-rpl-mbs</link>
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