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    <title>Originations</title>
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    <item>
      <title>Short Takes: BITB Launches Platform for Better Subservicer Visibility / FICO to Keep Lower-Priced Score Option/ Home Price Growth Slows</title>
      <author>jdohnert@imfpubs.com</author>
      <description>The new portal provides authorized users with secure, permission-based access to relevant loan information and workflows from their subservicer.</description>
      <content:encoded>
        <![CDATA[The new portal provides authorized users with secure, permission-based access to relevant loan information and workflows from their subservicer.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238910</guid>
      <pubDate>Mon, 26 Oct 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238910-short-takes-bitb-launches-platform-for-better-subservicer-visibility-fico-to-keep-lower-priced-score-option-home-price-growth-slows</link>
    </item>
    <item>
      <title>Housing Executive Order Less Expansive Than Hoped For</title>
      <author>bivey@imfpubs.com</author>
      <description>The order included four directives, stopping well short of requests from mortgage industry participants.</description>
      <content:encoded>
        <![CDATA[The order included four directives, stopping well short of requests from mortgage industry participants.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238899</guid>
      <pubDate>Fri, 23 Oct 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238899-housing-executive-order-less-expansive-than-hoped-for</link>
    </item>
    <item>
      <title>GSE Primary MI Volume Up in 3Q, FHA Slips</title>
      <author>nbhatia@imfpubs.com</author>
      <description>Purchase-mortgage volume increased from the second quarter and refi business dropped.</description>
      <content:encoded>
        <![CDATA[Purchase-mortgage volume increased from the second quarter and refi business dropped.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238900</guid>
      <pubDate>Fri, 23 Oct 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238900-gse-primary-mi-volume-up-in-3q-fha-slips</link>
    </item>
    <item>
      <title>Profits Skyrocket at Rithm’s Mortgage Unit in 3Q, Helped by Servicing</title>
      <author>bivey@imfpubs.com</author>
      <description>Rithm’s residential mortgage unit turned a $604.8 million profit before taxes during the third quarter, more than five times the income the unit generated the prior quarter.</description>
      <content:encoded>
        <![CDATA[Rithm’s residential mortgage unit turned a $604.8 million profit before taxes during the third quarter, more than five times the income the unit generated the prior quarter.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238901</guid>
      <pubDate>Fri, 23 Oct 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238901-profits-skyrocket-at-rithms-mortgage-unit-in-3q-helped-by-servicing</link>
    </item>
    <item>
      <title>UWM Selling Large Chunk of Servicing During Fourth Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>The planned sale amounts to nearly 30% of UWM's servicing portfolio as measured at the end of September.</description>
      <content:encoded>
        <![CDATA[The planned sale amounts to nearly 30% of UWM's servicing portfolio as measured at the end of September.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238902</guid>
      <pubDate>Fri, 23 Oct 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238902-uwm-selling-large-chunk-of-servicing-during-fourth-quarter</link>
    </item>
    <item>
      <title>Short Takes: Losses Jump at PrimeLending / First-Time Homebuyer Demand Down / Resetting Rate Expectations / Freddie Marketing CRT Deal / Bank Exits Mortgage Lending</title>
      <author>bivey@imfpubs.com</author>
      <description>PrimeLending took a $10.8 million pre-tax loss in the third quarter of 2026 after a $2.0 million pre-tax loss in the second quarter.</description>
      <content:encoded>
        <![CDATA[PrimeLending took a $10.8 million pre-tax loss in the third quarter of 2026 after a $2.0 million pre-tax loss in the second quarter.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238904</guid>
      <pubDate>Fri, 23 Oct 2026 11:54:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238904-short-takes-losses-jump-at-primelending-first-time-homebuyer-demand-down-resetting-rate-expectations-freddie-marketing-crt-deal-bank-exits-mortgage-lending</link>
    </item>
    <item>
      <title>Retail, Consumer Direct Lending Not ‘Viable’ for Northpointe</title>
      <author>bivey@imfpubs.com</author>
      <description>"We could no longer see a path forward for the profitability on the base level overhead that it takes to run an efficient distributed retail operation," said Chuck Williams, chairman and CEO of Northpointe Bank.</description>
      <content:encoded>
        <![CDATA["We could no longer see a path forward for the profitability on the base level overhead that it takes to run an efficient distributed retail operation," said Chuck Williams, chairman and CEO of Northpointe Bank.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238883</guid>
      <pubDate>Thu, 22 Oct 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238883-retail-consumer-direct-lending-not-viable-for-northpointe</link>
    </item>
    <item>
      <title>Homebuilder M/I Homes Sees ‘Choppy’ Conditions</title>
      <author>bivey@imfpubs.com</author>
      <description>The company generated $66.6 million of net income in the third quarter of 2026, down 37.5% from the third quarter of 2025.</description>
      <content:encoded>
        <![CDATA[The company generated $66.6 million of net income in the third quarter of 2026, down 37.5% from the third quarter of 2025.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238886</guid>
      <pubDate>Thu, 22 Oct 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238886-homebuilder-m-i-homes-sees-choppy-conditions</link>
    </item>
    <item>
      <title>Short Takes: Warehouse Lending Down at Texas Capital Bank / Loss at Another Agency MBS REIT / Pulte Group’s Average Sale Price Down Slightly / Lower Originations Mean Lower Compensation</title>
      <author>bivey@imfpubs.com</author>
      <description>Mortgage finance loans outstanding declined by 8.6% on a quarterly basis at Texas Capital Bank.</description>
      <content:encoded>
        <![CDATA[Mortgage finance loans outstanding declined by 8.6% on a quarterly basis at Texas Capital Bank.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238887</guid>
      <pubDate>Thu, 22 Oct 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238887-short-takes-warehouse-lending-down-at-texas-capital-bank-loss-at-another-agency-mbs-reit-pulte-groups-average-sale-price-down-slightly-lower-originations-mean-lower-compensation</link>
    </item>
    <item>
      <title>Higher Rates Could Increase Share for Expanded-Credit Mortgages</title>
      <author>bivey@imfpubs.com</author>
      <description>With traditional mortgage originations depressed, expanded-credit lending could gain more market share.</description>
      <content:encoded>
        <![CDATA[With traditional mortgage originations depressed, expanded-credit lending could gain more market share.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238861</guid>
      <pubDate>Wed, 21 Oct 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238861-higher-interest-rates-could-boost-expanded-credit-mortgages</link>
    </item>
    <item>
      <title>Northpointe Selling Retail Mortgage Origination Business</title>
      <author>jdohnert@imfpubs.com</author>
      <description>Northpointe Bank is selling its distributed retail and consumer direct mortgage origination channels to CMG Financial.</description>
      <content:encoded>
        <![CDATA[Northpointe Bank is selling its distributed retail and consumer direct mortgage origination channels to CMG Financial.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238869</guid>
      <pubDate>Wed, 21 Oct 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238869-northpointe-selling-retail-mortgage-origination-business</link>
    </item>
    <item>
      <title>Short Takes: Mortgage Apps Decrease / Better Continues Cost Cutting / Home Prices Tick Up</title>
      <author>jdohnert@imfpubs.com</author>
      <description>Higher mortgage rates slow down mortgage application submissions; Better continues cost-cutting measures; Home prices tick up slightly in September.</description>
      <content:encoded>
        <![CDATA[Higher mortgage rates slow down mortgage application submissions; Better continues cost-cutting measures; Home prices tick up slightly in September.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238871</guid>
      <pubDate>Wed, 21 Oct 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238871-short-takes-mortgage-apps-decrease-better-continues-cost-cutting-home-prices-tick-up</link>
    </item>
    <item>
      <title>Short Takes: VantageScore to Remain a Private Company / Originations, Margins Down at AmeriHome Owner / Pennymac Markets First DSCR-Only MBS</title>
      <author>bivey@imfpubs.com</author>
      <description>While VantageScore has been making its case at investor events focused on publicly traded companies, its CEO says there's no need for the credit scoring company to go public.</description>
      <content:encoded>
        <![CDATA[While VantageScore has been making its case at investor events focused on publicly traded companies, its CEO says there's no need for the credit scoring company to go public.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238858</guid>
      <pubDate>Tue, 20 Oct 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238858-short-takes-vantagescore-to-remain-a-private-company-originations-margins-down-at-amerihome-owner-pennymac-markets-first-dscr-only-mbs</link>
    </item>
    <item>
      <title>Short Takes: Saluda Grade, Zippy Team for Manufactured Housing Loans / Bravo Capital Now Financing BTR Projects / Dark Matter Promotes Execs </title>
      <author>jdohnert@imfpubs.com</author>
      <description>Saluda Grade will provide capital for Zippy and work alongside it on credit, product development and other areas.</description>
      <content:encoded>
        <![CDATA[Saluda Grade will provide capital for Zippy and work alongside it on credit, product development and other areas.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238850</guid>
      <pubDate>Mon, 19 Oct 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238850-short-takes-saluda-grade-zippy-team-for-manufactured-housing-loans-bravo-capital-now-financing-btr-projects-dark-matter-promotes-execs</link>
    </item>
    <item>
      <title>Short Takes: New Home Sales Falter / Renting Getting More Attractive / Rocket Donates to Trump’s Ballroom / Home Sale Platform Offering Mortgages</title>
      <author>bivey@imfpubs.com</author>
      <description>The annual sales rate for new homes is at the lowest level seen since April 2020, according to the MBA.</description>
      <content:encoded>
        <![CDATA[The annual sales rate for new homes is at the lowest level seen since April 2020, according to the MBA.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238843</guid>
      <pubDate>Fri, 16 Oct 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238843-short-takes-new-home-sales-falter-renting-getting-more-attractive-rocket-donates-to-trumps-ballroom-home-sale-platform-offering-mortgages</link>
    </item>
    <item>
      <title>Fannie Economists Sharply Increase Interest-Rate Forecast</title>
      <author>bivey@imfpubs.com</author>
      <description>Fannie's forecast also shifted from a modest increase in mortgage originations on an annual basis in 2027 to a 10.6% decline.</description>
      <content:encoded>
        <![CDATA[Fannie's forecast also shifted from a modest increase in mortgage originations on an annual basis in 2027 to a 10.6% decline.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238818</guid>
      <pubDate>Thu, 15 Oct 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238818-fannie-economists-sharply-increase-interest-rate-forecast</link>
    </item>
    <item>
      <title>Mortgage Originations, Revenue Decline at U.S. Bank in 3Q</title>
      <author>bivey@imfpubs.com</author>
      <description>Originations declined by 12.3% from the second quarter.</description>
      <content:encoded>
        <![CDATA[Originations declined by 12.3% from the second quarter.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238819</guid>
      <pubDate>Thu, 15 Oct 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238819-mortgage-originations-revenue-decline-at-us-bank-in-3q</link>
    </item>
    <item>
      <title>Short Takes: First Horizon Takes Loss on Sale of Mortgages, Restructures / Inflation Still High / Margins Improve at PNC / FHA Supports Build-to-Rent</title>
      <author>bivey@imfpubs.com</author>
      <description>First Horizon took a $473 million pre-tax loss in non-interest income on the sale of mortgages with an unpaid principal balance of $4.5 billion.</description>
      <content:encoded>
        <![CDATA[First Horizon took a $473 million pre-tax loss in non-interest income on the sale of mortgages with an unpaid principal balance of $4.5 billion.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238822</guid>
      <pubDate>Thu, 15 Oct 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238822-short-takes-first-horizon-takes-loss-on-sale-of-mortgages-restructures-inflation-still-high-margins-improve-at-pnc-fha-supports-build-to-rent</link>
    </item>
    <item>
      <title>Majority of Mortgage Borrowers Want Human Interaction</title>
      <author>jdohnert@imfpubs.com</author>
      <description>A recent PwC study found that 74% of borrowers were concerned about AI making lending decisions.</description>
      <content:encoded>
        <![CDATA[A recent PwC study found that 74% of borrowers were concerned about AI making lending decisions.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238797</guid>
      <pubDate>Wed, 14 Oct 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238797-borrowers-weary-of-ai-decision-making</link>
    </item>
    <item>
      <title>Home Equity Lending Holds Up at BofA in Third Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>BofA's originations of home equity loans increased by 2.9% from the second quarter.</description>
      <content:encoded>
        <![CDATA[BofA's originations of home equity loans increased by 2.9% from the second quarter.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238801</guid>
      <pubDate>Wed, 14 Oct 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238801-home-equity-lending-holds-up-at-bofa-in-third-quarter</link>
    </item>
    <item>
      <title>Short Takes: Applications Decline a Little More / Mixed Reading for Home Sales in September / Upside to Higher Interest Rates / Better Reducing Expenses</title>
      <author>bivey@imfpubs.com</author>
      <description>Mortgage applications declined by 2.7% on a weekly basis last week.</description>
      <content:encoded>
        <![CDATA[Mortgage applications declined by 2.7% on a weekly basis last week.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238803</guid>
      <pubDate>Wed, 14 Oct 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238803-short-takes-applications-decline-a-little-more-mixed-reading-for-home-sales-in-september-upside-to-higher-interest-rates-better-reducing-expenses</link>
    </item>
    <item>
      <title>Originations, Mortgage Earnings Decline in 3Q at Chase, Wells</title>
      <author>bivey@imfpubs.com</author>
      <description>Chase posted a large drop in production income compared with the second quarter and an increase in net servicing revenue.</description>
      <content:encoded>
        <![CDATA[Chase posted a large drop in production income compared with the second quarter and an increase in net servicing revenue.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238787</guid>
      <pubDate>Tue, 13 Oct 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238787-originations-mortgages-earnings-decline-in-3q-at-chase-wells</link>
    </item>
    <item>
      <title>MBA Pitches Housing Affordability Options</title>
      <author>jdohnert@imfpubs.com</author>
      <description>The Mortgage Bankers Association launched a housing affordability action plan with 20 policies that can help reduce the cost of housing "with the stroke of a pen."</description>
      <content:encoded>
        <![CDATA[The Mortgage Bankers Association launched a housing affordability action plan with 20 policies that can help reduce the cost of housing "with the stroke of a pen."]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238786</guid>
      <pubDate>Tue, 13 Oct 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238786-mba-takes-aim-at-affordability</link>
    </item>
    <item>
      <title>AI Mortgage Originations Without an LO Face Complications</title>
      <author>sclark@imfpubs.com</author>
      <description>It's unclear if mortgages can be fully AI-originated and still comply with state and federal laws.</description>
      <content:encoded>
        <![CDATA[It's unclear if mortgages can be fully AI-originated and still comply with state and federal laws.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238784</guid>
      <pubDate>Tue, 13 Oct 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238784-ai-mortgage-originations-without-a-lo-face-complications</link>
    </item>
    <item>
      <title>Residential Transition Loan Players Optimistic Amid Higher Rates</title>
      <author>jdohnert@imfpubs.com</author>
      <description>Kieran Brady, chief financial officer at Archwest, said the outlook for the RTL sector remains strong, supported by the long-term need for new housing and renovation of existing homes.</description>
      <content:encoded>
        <![CDATA[Kieran Brady, chief financial officer at Archwest, said the outlook for the RTL sector remains strong, supported by the long-term need for new housing and renovation of existing homes.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238785</guid>
      <pubDate>Tue, 13 Oct 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238785-residential-transition-loan-players-optimistic-amid-higher-rates</link>
    </item>
    <item>
      <title>Short Takes: Pulte Skips MBA Conference / Rates Projected to Hit 7.85% / UWM’s Share Price Nears $1.00 / State Regulators Looking for Feedback on MLO Testing</title>
      <author>bivey@imfpubs.com</author>
      <description>Pulte's planned speaking spot at the MBA conference went from in-person to virtual to canceled.</description>
      <content:encoded>
        <![CDATA[Pulte's planned speaking spot at the MBA conference went from in-person to virtual to canceled.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238788</guid>
      <pubDate>Tue, 13 Oct 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238788-short-takes-pulte-skips-mba-conference-rates-projected-to-hit-785-uwms-share-price-nears-100-state-regulators-looking-for-feedback-on-mlo-testing</link>
    </item>
    <item>
      <title>Ginnie Issuance Declines by 9.5% in Third Quarter</title>
      <author>ewilley@imfpubs.com</author>
      <description>Refinance business dropped and VA volume declined at a faster pace than FHA business.</description>
      <content:encoded>
        <![CDATA[Refinance business dropped and VA volume declined at a faster pace than FHA business.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238779</guid>
      <pubDate>Mon, 12 Oct 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238779-ginnie-issuance-declines-by-95-in-third-quarter</link>
    </item>
    <item>
      <title>MBA Sees Interest Rates Staying Above 7.00%</title>
      <author>jdohnert@imfpubs.com</author>
      <description>Mortgage origination volume is expected to decrease by 5.6% from 2026 to 2027, according to a new forecast by the Mortgage Bankers Association.</description>
      <content:encoded>
        <![CDATA[Mortgage origination volume is expected to decrease by 5.6% from 2026 to 2027, according to a new forecast by the Mortgage Bankers Association.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238778</guid>
      <pubDate>Mon, 12 Oct 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238778-mba-forecasts-a-decline-in-originations-for-2027</link>
    </item>
    <item>
      <title>Short Takes: Pulte Avoids Chicago / Pending Home Sales Falling / Experian Reduces Charges</title>
      <author>bivey@imfpubs.com</author>
      <description>Rather than speaking as scheduled today, the MBA said FHFA Director Bill Pulte “hopes to be with us remotely on Tuesday.”</description>
      <content:encoded>
        <![CDATA[Rather than speaking as scheduled today, the MBA said FHFA Director Bill Pulte “hopes to be with us remotely on Tuesday.”]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238781</guid>
      <pubDate>Mon, 12 Oct 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238781-short-takes-pulte-avoids-chicago-pending-home-sales-falling-experian-reduces-charges</link>
    </item>
    <item>
      <title>Agency MBS Issuance Declines in 3Q With Drop in Refis</title>
      <author>bivey@imfpubs.com</author>
      <description>Refi volume in agency MBS issuance declined by 46.3% on a quarterly basis.</description>
      <content:encoded>
        <![CDATA[Refi volume in agency MBS issuance declined by 46.3% on a quarterly basis.]]>
      </content:encoded>
      <guid>http://www.insidemortgagefinance.com/articles/238773</guid>
      <pubDate>Fri, 09 Oct 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/238773-agency-mbs-issuance-declines-in-3q-with-drop-in-refis</link>
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