<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0" xmlns:media="http://search.yahoo.com/mrss/">
  <channel>
    <title>Nonconforming</title>
    <description>
      <![CDATA[]]>
    </description>
    <link>https://www.insidemortgagefinance.com/rss</link>
    <language>en-us</language>
    <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>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>Performance of Non-QM Loans ‘Rapidly Deteriorating’</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[“30+ day impairments soared 51 basis points month-over-month in February, marking the largest monthly increase outside of COVID and Sunday month-end effects,” according to dv01.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237082</guid>
      <pubDate>Tue, 31 Mar 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237082-performance-of-non-qm-loans-rapidly-deteriorating</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>Homebuyers Increasingly Turning to ARM Loans</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[The share of first-lien originations that were adjustable-rate loans increased by 320 basis points in 2025, according to a recent <em>Inside Nonconforming Markets </em>ranking and analysis.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237075</guid>
      <pubDate>Mon, 30 Mar 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237075-homebuyers-increasingly-turning-to-arm-loans</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>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>Short Takes: SCOTUS Rejects Potential Challenge to CFPB / UWM Touts Servicing ‘Happiness’ / Goldman Brings Another Jumbo MBS</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Supreme Court denied a petition from Nationwide Biweekly Administration to hear an appeal of a lawsuit involving the Consumer Financial Protection Bureau.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237056</guid>
      <pubDate>Thu, 26 Mar 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237056-short-takes-scotus-rejects-potential-challenge-to-cfpb-uwm-touts-servicing-happiness-goldman-brings-another-jumbo-mbs</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>
    </item>
    <item>
      <title>Short Takes: Home Price Appreciation Slows / Tech Investor Buying Lender / First-Lien HELOC Securitization / Zions Bank to Acquire Multifamily Unit</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Home prices increased by 0.1% on a monthly, seasonally-adjusted basis, according to Redfin.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237021</guid>
      <pubDate>Tue, 24 Mar 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237021-short-takes-home-prices-appreciation-slows-tech-investor-buy-lender-first-lien-heloc-securitization-zions-bank-to-acquire-multifamily-unit</link>
    </item>
    <item>
      <title>Short Takes: Palantir, Moder Partner With Freedom on AI Pilot / Multiply Delivers Lower Rates Through Employer Benefits / Homebuyers Taking Their Time / Investor Ban to Impact SFR Market</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[New partnerships are slated to yield an AI-powered originations platform in one case and preferred mortgage rates and homebuying advice as an employee benefit in another.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237015</guid>
      <pubDate>Mon, 23 Mar 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237015-short-takes-palantir-moder-partner-with-freedom-on-ai-pilot-multiply-deliverers-lower-rates-through-employer-benefits-homebuyers-taking-their-time-investor-ban-to-impact-sfr-market</link>
    </item>
    <item>
      <title>Goldman Offers 3 Non-Agency MBS in Single Day</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Goldman Sachs launched two prime non-agency MBS and a HELOC securitization Thursday.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237005</guid>
      <pubDate>Fri, 20 Mar 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237005-goldman-offers-3-non-agency-mbs-in-single-day</link>
    </item>
    <item>
      <title>Short Takes: Profits Down on Timing Quirk / Unsolicited Bid for Two Harbors / CrossCountry to Acquire Summit Funding / Loan Star Fund Eyes $10 Billion of Non-Agency Mortgages</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Due to accounting rules, earnings from the loans locked during the third quarter of 2025 were recognized in the third quarter rather than the fourth quarter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236982</guid>
      <pubDate>Thu, 19 Mar 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236982-short-takes-profits-down-on-timing-quirk-unsolicited-bid-for-two-habors-crosscountry-to-acquire-summit-funding-loan-star-fund-eyes-10-billion-of-non-agency-mortgages</link>
    </item>
    <item>
      <title>Short Takes: Annual Decline in Home Prices / Little Growth in Pending Home Sales / Mortgage Broker Groups Working Together / Rocket Sends More Investor Loans to Redwood</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Home prices declined by 0.2% on an annual basis in February, the first annual decline since 2012, according to First American Data & Analytics.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236963</guid>
      <pubDate>Wed, 18 Mar 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236963-short-takes-annual-decline-in-home-prices-little-growth-in-pending-home-sales-mortgage-broker-groups-working-together-rocket-sends-more-investor-loans-to-redwood</link>
    </item>
    <item>
      <title>Non-Agency Jumbo Lending Up Nearly Across the Board in 4Q</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Among the 50 largest jumbo lenders, 48 increased their non-agency jumbo originations during the fourth quarter of 2025.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236948</guid>
      <pubDate>Tue, 17 Mar 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236948-non-agency-jumbo-lending-up-nearly-across-the-board-in-4q</link>
    </item>
    <item>
      <title>Jumbo Share of Originations Hits 18.1% in 2025</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Some $295.0 billion of non-agency jumbos were originated in 2025, a nearly 40% increase on an annual basis.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236933</guid>
      <pubDate>Fri, 13 Mar 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236933-jumbo-share-of-originations-hits-181-in-2025</link>
    </item>
    <item>
      <title>Income Up, Production Down in 4Q at Velocity</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Velocity Financial's income increased by 37.1% in the fourth quarter, while loan production declined by 14.1% from the third quarter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236914</guid>
      <pubDate>Thu, 12 Mar 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236914-velocity-financial-income-up-loan-production-down-in-4q</link>
    </item>
    <item>
      <title>Issuance of Home Equity Loan Securitizations Sluggish</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Only two securitizations of home equity loans have hit the market thus far in March.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236886</guid>
      <pubDate>Tue, 10 Mar 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236886-issuance-of-home-equity-loan-securitizations-sluggish</link>
    </item>
    <item>
      <title>Short Takes: UWM Revises Revenue Forecast Up / Pennymac Offering Non-QMs in Wholesale / PHH Name Going Away</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[UWM is projecting revenue of between $800 million and $900 million for the first quarter of 2025, rather than the forecast of between $650 million and $850 million in revenue offered less than two weeks earlier.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236887</guid>
      <pubDate>Tue, 10 Mar 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236887-short-takes-uwm-revises-revenue-forecast-up-pennymac-offering-non-qms-in-wholesale-phh-name-going-away</link>
    </item>
    <item>
      <title>ARMs From Nonbanks Head Into MBS From Redwood</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Typically, the loans in jumbo MBS from Redwood are fixed-rate mortgages.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236867</guid>
      <pubDate>Fri, 06 Mar 2026 11:58:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236867-arms-from-nonbanks-head-into-mbs-from-redwood</link>
    </item>
    <item>
      <title>Non-Agency MBS Issuers Expect Benefits From Disclosure Shift</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Dallin Merrill, head of policy at the Structured Finance Association, said some larger investors can increase their investments in 144A transactions, but smaller investors still struggle.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236868</guid>
      <pubDate>Fri, 06 Mar 2026 11:57:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236868-non-agency-mbs-issuers-expect-benefits-from-disclosure-shift</link>
    </item>
    <item>
      <title>Chase Issuing Large CES Securitization of Seasoned Discover Loans</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Chase acquired the closed-end second liens from Capital One Financial, which acquired Discover Financial Services in May 2025.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236846</guid>
      <pubDate>Thu, 05 Mar 2026 11:57:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236846-chase-issuing-large-ces-securitization-of-seasoned-discover-loans</link>
    </item>
    <item>
      <title>Short Takes: UWM Offers More Discounts / Affordability Still an Obstacle / Chase Stocks Investment-Property Loans in MBS / Rate Promoting Auto Loans</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[United Wholesale Mortgage is offering a 75-basis-point pricing incentive for certain conventional and government-insured refinances through March, as well as a $600 appraisal credit for purchase mortgages through April.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236850</guid>
      <pubDate>Thu, 05 Mar 2026 11:55:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236850-short-takes-uwm-offers-more-discounts-affordability-still-an-obstacle-chase-stocks-investment-property-loans-in-mbs-rate-promoting-auto-loans</link>
    </item>
    <item>
      <title>Securitization of Home Equity Loans Slows at End of 2025</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Securitization volume of home equity loans increased by 5.8% on a sequential basis to $10.62 billion in the fourth quarter of 2025.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236816</guid>
      <pubDate>Tue, 03 Mar 2026 11:59:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236816-securitization-of-home-equity-loans-slows-at-end-of-2025</link>
    </item>
    <item>
      <title>Short Takes: Agency MSRs on Offer / Mortgage Profits Decline at LendingTree / HomeBridge, AmWest Selling HELOCs Via Goldman</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[MorVest Capital is brokering the sale of agency mortgage servicing rights with an unpaid principal balance of $2.41 billion.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236820</guid>
      <pubDate>Tue, 03 Mar 2026 11:55:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236820-short-takes-agency-msrs-on-offer-mortgage-profits-decline-at-lendingtree-homebridge-amwest-selling-helocs-via-goldman</link>
    </item>
    <item>
      <title>Banks Boost ARM Holdings</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Bank and thrift holdings of ARMs increased from the end of September to the end of December.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236809</guid>
      <pubDate>Mon, 02 Mar 2026 11:59:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236809-banks-boost-arm-holdings</link>
    </item>
    <item>
      <title>Nonconforming Share of Originations Hits 20.9% in 2025</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Some $401.0 billion of nonconforming mortgages were originated in 2025.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236804</guid>
      <pubDate>Fri, 27 Feb 2026 11:59:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236804-nonconforming-share-of-originations-hits-209-in-2025</link>
    </item>
    <item>
      <title>Figure Looking to Take Market Share From the GSEs</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Michael Tannenbaum, CEO of Figure Technology Solutions, said some lenders are on the verge of shifting some of their mortgage business from the GSEs to FTS.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236807</guid>
      <pubDate>Fri, 27 Feb 2026 11:56:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236807-figure-working-to-take-market-share-from-the-gses</link>
    </item>
  </channel>
</rss>
