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    <title>GSEs</title>
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    <item>
      <title>Ginnie Drives Growth in Agency Servicing in First Quarter</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Ginnie posted a 1.3% quarterly gain in servicing outstanding to $2.726 trillion at the end of March, not including servicing of home-equity conversion mortgages.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237240</guid>
      <pubDate>Fri, 17 Apr 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237240-ginnie-drives-growth-in-agency-servicing-in-first-quarter</link>
    </item>
    <item>
      <title>PIMCO Cites Issues With Trump Admin’s Affordability Efforts</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The PIMCO team criticized one of the most popular proposals for lowering the cost of a mortgage: reducing the guarantee fees charged by the GSEs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237242</guid>
      <pubDate>Fri, 17 Apr 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237242-pimco-cites-issues-with-trump-admins-affordability-efforts</link>
    </item>
    <item>
      <title>Short Takes: Stable Ratings for GSEs / Truist Bucks Trend in Originations / Shakeup at Dark Matter / Agentic Reasoning Engine</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[“While speculation continues around the potential privatization of the government-sponsored enterprises, Morningstar DBRS does not view any changes to [their] status as likely for the length of the credit rating outlook period given the complexities and potential consequences of such an action, especially considering the current macroeconomic environment,” the rating service said.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237244</guid>
      <pubDate>Fri, 17 Apr 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237244-short-takes-stable-ratings-for-gses-truist-bucks-trend-in-originations-shakeup-at-dark-matter-agentic-reasoning-engine</link>
    </item>
    <item>
      <title>Conforming Jumbo Business at GSEs Down in First Quarter</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Some $8.60 billion of conforming jumbos flowed into GSE mortgage-backed securities issued during the first quarter, an 11.0% decline from the previous quarter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237222</guid>
      <pubDate>Thu, 16 Apr 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237222-conforming-jumbo-business-at-gses-down-in-first-quarter</link>
    </item>
    <item>
      <title>Residential MBS Issuance Declines Slightly in First Quarter</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Agency MBS issuance declined on a quarterly basis in the first quarter of 2026 while non-agency MBS issuance hit the highest level since the financial meltdown of 2007.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237189</guid>
      <pubDate>Tue, 14 Apr 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237189-residential-mbs-issuance-declines-slightly-in-first-quarter</link>
    </item>
    <item>
      <title>Agency Purchase-Mortgage Business Holds Steady in Early 2026</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Purchase-mortgage volume in agency MBS issued in the first quarter of 2026 was essentially flat compared with the first quarter of 2025.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237178</guid>
      <pubDate>Fri, 10 Apr 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237178-agency-purchase-mortgage-business-level-compared-with-2025</link>
    </item>
    <item>
      <title>GSE Policies on Cryptocurrency Unchanged</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Multiple GSE officials told <em>Inside The GSEs</em> that no changes have been made to their selling guides regarding crypto assets, even with a splashy planned mortgage product from Better Home & Finance.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237181</guid>
      <pubDate>Fri, 10 Apr 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237181-gse-policies-on-cryptocurrency-unchanged</link>
    </item>
    <item>
      <title>Fannie Issues Guidance for Use of AI by Lenders</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The new guidelines, which go into effect Aug. 6, require seller/servicers to have clear policies in place to mitigate the risks posed by this technology and to ensure it complies with existing laws and regulations.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237159</guid>
      <pubDate>Thu, 09 Apr 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237159-fannie-issues-ai-guidance</link>
    </item>
    <item>
      <title>GSE MBS Issuance Declines in First Quarter of 2026</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[An uptick in refinance activity wasn’t enough to offset the seasonal decline in purchase-mortgage volume.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237143</guid>
      <pubDate>Wed, 08 Apr 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237143-gse-mbs-issuance-declines-in-first-quarter-of-2026</link>
    </item>
    <item>
      <title>High-LTV Loans Account for Growing Share of GSE Deliveries</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The share of high-LTV purchase loans delivered to the GSEs rose nearly 100 basis points to 47.52% in the first quarter, according to an <em>Inside Mortgage Trends </em>analysis of mortgage-backed security disclosures.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237125</guid>
      <pubDate>Mon, 06 Apr 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237125-high-ltv-loans-account-for-growing-share-of-gse-deliveries</link>
    </item>
    <item>
      <title>Fannie Plans to Expand Fraud Detection Efforts with Palantir</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Fannie Mae hopes to extend the partnership to include fraud detection in its single-family mortgage business.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237127</guid>
      <pubDate>Mon, 06 Apr 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237127-fannie-hopes-to-expand-fraud-detection-efforts-with-palantir</link>
    </item>
    <item>
      <title>AmeriHome Fills Up New MBS of GSE-Eligible Loans</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[AmeriHome Mortgage Company is the sole originator and servicer of GSE-eligible loans in a new MBS being marketed by Annaly Capital Management.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237128</guid>
      <pubDate>Mon, 06 Apr 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237128-amerihome-fills-up-new-mbs-of-gse-eligible-loans</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>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>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>Freddie Mac Adds to MBS Holdings, Sheds Loans in February</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Freddie Mac increased its holdings of agency mortgage-backed securities by 14.5% on a monthly basis during February.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237049</guid>
      <pubDate>Thu, 26 Mar 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237049-freddie-mac-adds-to-mbs-holdings-sheds-loans-in-february</link>
    </item>
    <item>
      <title>GSE Buybacks in 2025 Fall to Level Last Seen in 2020</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[GSE buybacks in 2025 were down 12.8% from 2024 and represented the lowest annual total since 2020.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237017</guid>
      <pubDate>Tue, 24 Mar 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237017-gse-buybacks-in-2025-fall-to-level-last-seen-in-2020</link>
    </item>
    <item>
      <title>Hopes for an End to GSE Conservatorship Fading </title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Changing priorities from the White House have put talks on ending the GSE conservatorship on the back burner.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237013</guid>
      <pubDate>Mon, 23 Mar 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237013-hopes-for-an-end-gse-conservatorship-fading</link>
    </item>
    <item>
      <title>FHFA Loosens Property Insurance Standards for Condos</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[“The condo insurance requirements will reduce costs for existing homeowners and will make tens of thousands of additional units eligible for lower cost GSE financing,” said Bob Broeksmit, president and CEO of the MBA.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236979</guid>
      <pubDate>Thu, 19 Mar 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236979-fhfa-loosens-property-insurance-standards-for-condos</link>
    </item>
    <item>
      <title>FICO 10T Data Sharing With GSEs Progressing</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[“The process for the data publication is now with the GSEs,” FICO said.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236915</guid>
      <pubDate>Thu, 12 Mar 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236915-fico-10t-data-sharing-with-gses-progressing</link>
    </item>
    <item>
      <title>Agency MBS Issuance Declines by 17% in February</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Both purchase-mortgage volume and refinances declined on a monthly basis in February.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236896</guid>
      <pubDate>Wed, 11 Mar 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236896-agency-mbs-issuance-declines-by-17-in-february</link>
    </item>
    <item>
      <title>Short Takes: Some Divergence at UWM, Rocket / Existing Home Sales Stable / Servicing Payment Effort Drags On / Another Loss at FoA</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[United Wholesale Mortgage's agency MBS issuance declined by 6.5% on a monthly basis in February while Rocket Mortgage's volume was down 16.5%.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236898</guid>
      <pubDate>Wed, 11 Mar 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236898-short-takes-some-divergence-at-uwm-rocket-existing-home-sales-stable-servicing-payment-effort-drags-on-another-loss-at-foa</link>
    </item>
    <item>
      <title>Rocket Top GSE Seller in February</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Rocket Mortgage delivered $7.59 billion in loans to Fannie Mae and Freddie Mac in February, according to an&nbsp;<em>Inside The GSEs</em> ranking and analysis.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236877</guid>
      <pubDate>Mon, 09 Mar 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236877-rocket-top-gse-seller-in-february</link>
    </item>
    <item>
      <title>Cash-Strapped Homeowners Increasingly Turn to BNPL Products</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Buy now, pay later spending has increased from about $2 billion in 2019 to $75 billion in 2023, according to a new report by the JPMorgan Chase Institute.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236879</guid>
      <pubDate>Mon, 09 Mar 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236879-cash-strapped-homeowners-increasingly-turn-to-bnpl-products</link>
    </item>
    <item>
      <title>Short Takes: Prepayment Rate Lower Than Expected / Freddie Marketing CRT Deal / Underwriting in Less Than a Minute</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA["It is possible that pull-through rates declined in February as mortgage rates continued to drift lower through the month," according to analysts at Goldman Sachs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236869</guid>
      <pubDate>Fri, 06 Mar 2026 11:55:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236869-short-takes-prepayment-rate-slower-than-expected-freddie-marketing-crt-deal-underwriting-in-less-than-a-minute</link>
    </item>
    <item>
      <title>GSE CRT Activity in 2025 Lowest Since 2013</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The GSEs started issuing credit risk transfer transactions in 2013.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236845</guid>
      <pubDate>Thu, 05 Mar 2026 11:58:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236845-gse-crt-activity-in-2025-lowest-since-2013</link>
    </item>
    <item>
      <title>GSEs Offering Flexibility as Partial Government Shutdown Drags On</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The GSEs noted that mortgages for government employees and other workers directly impacted by the shutdown are eligible for delivery to the GSEs, even if the borrower is not receiving pay, so long as certain conditions are met.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236835</guid>
      <pubDate>Wed, 04 Mar 2026 11:56:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236835-gses-offering-flexibility-as-partial-government-shutdown-drags-on</link>
    </item>
    <item>
      <title>Short Takes: Home Price Appreciation Expected to Pick Up / Pulte Promises Action on Affordability / Nonbank Lenders Falter / Home Sales Increase in February</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Cotality is projecting a 4.4% annual increase in home prices as of January 2027.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236834</guid>
      <pubDate>Wed, 04 Mar 2026 11:55:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236834-short-takes-home-price-appreciation-expected-to-pick-up-pulte-promises-action-on-affordability-nonbank-lenders-falter-home-sales-increase-in-february</link>
    </item>
    <item>
      <title>Fannie Back Quickly With CRT Transaction</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Prior to back-to-back CRT offerings in February and March, the government-sponsored enterprise hadn’t issued a CRT deal since October.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236819</guid>
      <pubDate>Tue, 03 Mar 2026 11:56:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236819-fannie-back-quickly-with-crt-transaction</link>
    </item>
    <item>
      <title>Average Interest Rate Drops Below 6% </title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Last week was the first time in three and a half years that the 30-year FRM interest rate has dropped into the 5% range.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236810</guid>
      <pubDate>Mon, 02 Mar 2026 11:58:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236810-average-interest-rate-drops-below-6</link>
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