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    <title>Government-Insured Lending</title>
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    <item>
      <title>Loss-Mitigation Changes Blamed for Rise in FHA DQs</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The recent rise in FHA delinquencies appears to be an artificial effect caused by the new trial payment plans borrowers must complete before loans can be modified, according to research by the Center for Responsible Lending.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237185</guid>
      <pubDate>Mon, 13 Apr 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237185-loss-mitigation-changes-blamed-for-rise-in-fha-dqs</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>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>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>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>MBA Urges VA to Better Align Fee Documentation With Industry Standard</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association urged VA to adopt lender-generated documentation and bulk invoicing because loan-specific invoices are often not available.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237077</guid>
      <pubDate>Mon, 30 Mar 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237077-mba-urges-va-to-better-align-fee-documentation-with-industry-standard</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>Ginnie Loans Help Drive Up Servicing Balances in 2025</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Some $2.71 trillion of Ginnie servicing was outstanding as of the end of 2025, up 6.8% from 2024.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237002</guid>
      <pubDate>Fri, 20 Mar 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237002-ginnie-loans-help-drive-up-servicing-balances-in-2025</link>
    </item>
    <item>
      <title>Withdrawals From Ginnie MBS Spike in Fourth Quarter</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The $87.67 billion of removals were largely tied to borrower payoffs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236980</guid>
      <pubDate>Thu, 19 Mar 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236980-withdrawals-from-ginnie-mbs-spike-in-fourth-quarter</link>
    </item>
    <item>
      <title>Trump Issues Executive Order to Expand Mortgage Lending</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Among other actions, the order calls for the CFPB to revise major mortgage regulation, such as the ability-to-repay and servicing rules.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236943</guid>
      <pubDate>Mon, 16 Mar 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236943-trump-issues-executive-order-to-expand-mortgage-lending</link>
    </item>
    <item>
      <title>UWM Takes Top Issuer Spot for Ginnie MBS</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[UWM was the top Ginnie MBS issuer in February even though its volume fell 15.1% from January.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236942</guid>
      <pubDate>Mon, 16 Mar 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236942-uwm-take-top-issuer-spot-for-ginnie-mbs</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>Refi Activity Soars at VA, FHA in Fourth Quarter</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Refi guarantees in the Department of Veterans Affairs’ home loan program more than doubled during the fourth quarter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236829</guid>
      <pubDate>Wed, 04 Mar 2026 11:59:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236829-refi-activity-soars-at-va-fha-in-fourth-quarter</link>
    </item>
    <item>
      <title>Ginnie Working on Changes to Acknowledgment Agreements</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Gormley said Ginnie Mae is working with the Mortgage Bankers Association and the Housing Policy Council on the effort.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236806</guid>
      <pubDate>Fri, 27 Feb 2026 11:57:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236806-ginnie-working-on-changes-to-acknowledgment-agreements</link>
    </item>
    <item>
      <title>Refis Push Primary MI Volume Up in Fourth Quarter</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Private MIs and the two major government programs provided primary coverage on $74.80 billion of refinance loans, more than double the volume in the third quarter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236743</guid>
      <pubDate>Fri, 20 Feb 2026 11:59:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236743-refis-push-primary-mi-volume-up-in-fourth-quarter</link>
    </item>
    <item>
      <title>Ginnie Issuance Climbs Slightly in January</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Issuance of Ginnie Mae mortgage-backed securities increased by 3.5% on a monthly basis in January.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236720</guid>
      <pubDate>Thu, 19 Feb 2026 11:58:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236720-ginnie-issuance-climbs-slightly-in-january</link>
    </item>
    <item>
      <title>VA Getting Closer to Launching Partial Claim Program</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[VA is set to brief members of Congress on the new program and then head toward implementation.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236703</guid>
      <pubDate>Wed, 18 Feb 2026 11:59:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236703-va-getting-closer-to-launching-partial-claim-program</link>
    </item>
    <item>
      <title>Correspondent Channel Loses Share in Agency Market</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[The correspondent channel lost 194 basis points of market share in the agency MBS market in the fourth quarter of 2025.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236662</guid>
      <pubDate>Thu, 12 Feb 2026 11:59:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236662-correspondent-channel-loses-share-in-agency-market</link>
    </item>
    <item>
      <title>Loss-Mitigation Policy Changes Drive Rise in FHA Delinquencies</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The total FHA delinquency rate hit 11.86%, the third-highest reading in the past decade.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236549</guid>
      <pubDate>Mon, 02 Feb 2026 11:59:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236549-loss-mitigation-policy-changes-drive-rise-in-fha-dqs</link>
    </item>
    <item>
      <title>FHA Mortgages Push Agency MBS Delinquency Rate Higher </title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The total delinquency rate for FHA loans in Ginnie Mae mortgage-backed securities rose nearly 100 basis points from the end of September to the end of December, according to a recent <em>Inside Mortgage Trends</em> analysis.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236490</guid>
      <pubDate>Mon, 26 Jan 2026 11:59:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236490-fha-mortgages-push-agency-mbs-delinquency-rate-higher</link>
    </item>
    <item>
      <title>Private MI Fares Better Than FHA in Fourth Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[GSE purchase-mortgage business with private MI declined at about half the rate of the decline seen in FHA purchase-mortgage business in the fourth quarter of 2025.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236480</guid>
      <pubDate>Fri, 23 Jan 2026 11:59:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236480-private-mi-fares-better-than-fha-in-fourth-quarter</link>
    </item>
    <item>
      <title>Short Takes: House Approves HUD Budget / Interest Rates Tick Up / More Housing Hearings Scheduled / Activity in Prime Non-Agency MBS Market</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The funding bill passed by the house for HUD in fiscal year 2026 avoids drastic cuts sought by the Trump administration.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236485</guid>
      <pubDate>Fri, 23 Jan 2026 11:55:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236485-short-takes-house-approves-hud-budget-interest-rates-tick-up-more-housing-hearings-scheduled-activity-in-prime-non-agency-mbs-market</link>
    </item>
    <item>
      <title>HUD Secretary Provides Few Specific Plans at Hearing</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[For more than four hours, HUD Secretary Scott Turner repeatedly traced the root of the housing shortage to an issue he told Congress to solve.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236460</guid>
      <pubDate>Thu, 22 Jan 2026 11:58:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236460-hud-secretary-provides-few-specific-plans-at-hearing</link>
    </item>
    <item>
      <title>Refis Drive Ginnie MBS Issuance Up in Fourth Quarter</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[VA refi issuance was the highest since the fourth quarter of 2021.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236441</guid>
      <pubDate>Wed, 21 Jan 2026 11:58:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236441-refis-drive-ginnie-mbs-issuance-up-in-fourth-quarter</link>
    </item>
    <item>
      <title>Trump Signs Order to Limit Investor Home Purchases</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The executive order would prevent federal agencies and the government-sponsored enterprises from facilitating the acquisition of a single-family home by a large institutional investor.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236445</guid>
      <pubDate>Wed, 21 Jan 2026 11:57:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236445-trump-signs-order-to-limit-institutional-investor-home-purchases</link>
    </item>
    <item>
      <title>GSE MBS Purchases Help Boost FHA/VA Lending</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage rates declined slightly in the government-insured market after the Trump administration directed Fannie Mae and Freddie Mac to purchase a combined $200 billion in agency mortgage-backed securities.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236429</guid>
      <pubDate>Tue, 20 Jan 2026 11:57:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236429-gse-mbs-purchases-help-boost-fha-va-lending</link>
    </item>
    <item>
      <title>Rocket Tops Agency Servicers With Mr. Cooper Acquisition</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[The last time a single company held more than $1.0 trillion of agency servicing was 2019, near the end of the reign of Wells Fargo atop the servicing market.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236423</guid>
      <pubDate>Fri, 16 Jan 2026 11:59:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236423-rocket-tops-agency-servicers-with-mr-cooper-acquisition</link>
    </item>
    <item>
      <title>Refis With MI Gain Share in Agency MBS Market</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Volume with primary MI was up sharply in the fourth quarter of 2025 at both the government-sponsored enterprises and the Department of Veterans Affairs, while FHA volume lagged to some extent.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236404</guid>
      <pubDate>Thu, 15 Jan 2026 11:59:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236404-refis-with-mi-gain-share-in-agency-mbs-market</link>
    </item>
    <item>
      <title>Residential MBS Issuance Up Nearly 15% in 2025</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Issuance of residential mortgage-backed securities increased by 13.8% on an annual basis, hitting $1.43 trillion in 2025.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236385</guid>
      <pubDate>Wed, 14 Jan 2026 11:59:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236385-residential-mbs-issuance-up-nearly-15-in-2025</link>
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