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    <title>Data</title>
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      <![CDATA[Description+goes+here]]>
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    <item>
      <title>Depository Servicers End Slide in Servicing Share</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Banks and other depository institutions regained a little market share in GSE servicing during the first quarter of 2026 after 11 consecutive quarters of losing share to nonbanks. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237237</guid>
      <pubDate>Fri, 17 Apr 2026 14:12:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237237-depository-servicers-reverse-market-share-losses</link>
    </item>
    <item>
      <title>Fannie Sets Guardrails for AI/ML</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie Mae belatedly joined Freddie Mac in establishing ground rules for seller/servicers that deploy or manage artificial intelligence or machine learning tools while doing business with the enterprise.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237219</guid>
      <pubDate>Fri, 17 Apr 2026 14:08:04 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237219-fannie-sets-guardrails-for-ai-ml</link>
    </item>
    <item>
      <title>GSEs Take Diverging Paths on Debt</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie Mae extended duration by shifting from short- to long-term debt, but allowed overall debt to grow. Freddie de-levered by cutting short-term debt without adding to long-term debt.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237235</guid>
      <pubDate>Fri, 17 Apr 2026 14:06:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237235-gses-take-diverging-paths-on-debt</link>
    </item>
    <item>
      <title>Fannie Updates Income Assessment Policies</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The income assessment portion of Fannie’s Selling Guide has been significantly restructured, moving and rephrasing many sections, changing some policies and introducing new ones.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236874</guid>
      <pubDate>Fri, 06 Mar 2026 14:46:32 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236874-fannie-updates-income-assessment-policies</link>
    </item>
    <item>
      <title>GSEs Provide Update on Uniform Data Reforms</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie and Freddie representatives gave attendees at the MISMO Winter Summit a better sense of the timeline for fully implementing UAD 3.6 and UCD 2.0.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236447</guid>
      <pubDate>Fri, 23 Jan 2026 15:52:53 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236447-gses-provide-an-update-on-the-us</link>
    </item>
    <item>
      <title>Seller Buybacks Surge in 3Q25, Pipeline Also Rises</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Recent buyback data suggest the 2024 vintage is one of the most pristine in modern GSE history, although repurchase volume was up in the third quarter of 2025. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236173</guid>
      <pubDate>Fri, 19 Dec 2025 13:05:14 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236173-seller-buybacks-surge-in-3q25-pipeline-also-rises</link>
    </item>
    <item>
      <title>FHLBank Profits Up Despite Declining Advances</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Outstanding advances for the FHLBank system fell to $693.48 billion in the third quarter from $742.85 billion in the second. Still, the 11 FHLBanks’ combined profits were up almost 10%. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235978</guid>
      <pubDate>Fri, 21 Nov 2025 15:20:03 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235978-fhlbank-profits-up-despite-declining-advances</link>
    </item>
    <item>
      <title>Credit Score Changes to Impact CRT Disclosures</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Enhancements to CRT disclosures introduce three new fields and modify one existing field.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235984</guid>
      <pubDate>Fri, 21 Nov 2025 15:07:14 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235984-credit-score-changes-to-impact-crt-disclosures</link>
    </item>
    <item>
      <title>GSE Roundup</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Freddie markets multifamily CRT deal; Fannie updates bankruptcy attorney fees; multifamily affordability test includes updated High Opportunity Areas data.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235985</guid>
      <pubDate>Fri, 21 Nov 2025 15:06:17 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235985-gse-round-up</link>
    </item>
    <item>
      <title>GSEs Profits End Six-Month Slide in 3Q</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Quarterly profits were up at both Fannie and Freddie, but were down significantly on a year-to-date basis due to a weak first half of 2025. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235821</guid>
      <pubDate>Fri, 07 Nov 2025 13:59:16 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235821-gses-profits-end-six-month-slide</link>
    </item>
    <item>
      <title>GSEs Boost Investments in Agency MBS</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Amid pressure from some lender trade groups, Fannie Mae and Freddie Mac increased their investments in agency MBS during the third quarter. The move can drive down mortgage rates and goose GSE profits. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235780</guid>
      <pubDate>Thu, 30 Oct 2025 16:32:08 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235780-gses-boost-portfolios</link>
    </item>
    <item>
      <title>Smaller Lenders Gain GSE Market Share</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[While market share of small- and mid-sized nonbank lenders grew, there was some leakage at the large nonbank lenders. Large mortgage companies’ market share fell sequentially to 53.8% from 56.1%. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235561</guid>
      <pubDate>Fri, 10 Oct 2025 16:24:21 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235561-smaller-lenders-gain-market-share</link>
    </item>
    <item>
      <title>GSEs Updating the UMDP, Including Credit Score Changes</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The GSEs continue the modernization of the datasets critical to the mortgage industry, including updates that will be key to the implementation of multiple credit scores for mortgage borrowers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235390</guid>
      <pubDate>Fri, 26 Sep 2025 14:53:08 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235390-updating-the-umdp</link>
    </item>
    <item>
      <title>Competing Research at VantageScore and FICO</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Conflicting data from the two credit score giants muddy the waters about which best serves the GSEs and a mortgage industry eager for more competition.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235196</guid>
      <pubDate>Fri, 29 Aug 2025 11:40:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235196-competing-research-at-vantagescore-and-fico</link>
    </item>
    <item>
      <title>GSEs Close to Implementing Appraisal Changes</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[As the seven-plus-year redesign of the UAD and the URAR nears completion, the GSEs prepare industry stakeholders for the changes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234578</guid>
      <pubDate>Fri, 20 Jun 2025 15:14:45 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234578-countdown-to-uad-36</link>
    </item>
    <item>
      <title>Information From FHFA, GSEs Declines Under Pulte</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[In keeping with the rest of the Trump administration, FHFA has significantly reduced public visibility into its policy and actions since Bill Pulte took over as the agency’s director.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234582</guid>
      <pubDate>Fri, 20 Jun 2025 15:06:51 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234582-information-declines-under-pulte</link>
    </item>
    <item>
      <title>Palantir AI to Power Fannie’s Fraud Prevention Efforts</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The controversial software giant will use its AI-powered financial crimes detection technology to scour Fannie’s vast databases for signs of mortgage fraud, starting with multifamily loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234470</guid>
      <pubDate>Fri, 06 Jun 2025 14:25:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234470-palantir-ai-to-power-fannies-fraud-prevention-efforts</link>
    </item>
    <item>
      <title>GSE Profits Begin to Ebb in First Quarter</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Freddie’s guarantee book of business rose from $3.104 trillion at the end of 2024 to $3.115 trillion as of the end of March. Fannie’s fell from $3.622 trillion to $3.610 trillion. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234230</guid>
      <pubDate>Fri, 09 May 2025 15:53:57 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234230-gse-profits-begin-to-ebb</link>
    </item>
    <item>
      <title>Seller Repurchases Edge Up, Pending Pipeline Declines</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Fannie reported a 3.6% increase in seller repurchases during the fourth quarter, while Freddie volume was essentially flat. For the year, lender buybacks were down 36% from 2023. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233829</guid>
      <pubDate>Fri, 28 Mar 2025 14:00:53 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233829-seller-repurchases-edge-up-pending-pipeline-declines</link>
    </item>
    <item>
      <title>Freddie Updates Servicing Transfer Procedures</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Updates will automate parts of the voluntary partial-cancellation process that are currently manual. This tool will be available through Freddie’s Gateway portal.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233594</guid>
      <pubDate>Fri, 28 Feb 2025 14:36:02 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233594-freddie-updates-servicing-transfer-procedures</link>
    </item>
    <item>
      <title>Freddie Downplays ‘Data Breach’</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The enterprise mistakenly sent the personal information of a handful of borrowers to one of its third-party providers. Normally, these files are anonymized.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233606</guid>
      <pubDate>Fri, 28 Feb 2025 14:35:05 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233606-freddie-downplays-data-breach</link>
    </item>
    <item>
      <title>GSEs: Stable Profits in Tough Times</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The sign of a good business model is one that makes profits in good times and bad. Fannie and Freddie have shown strong profits throughout the post-pandemic downturn. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233481</guid>
      <pubDate>Fri, 14 Feb 2025 16:08:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233481-gses-stable-profits-in-tough-times</link>
    </item>
    <item>
      <title>GSEs Delay Bi-Merge and Shift From FICO Classic</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The GSEs’ credit score playbook now lists the implementation dates of the bi-merge and the shift away from Classic FICO as TBD.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233221</guid>
      <pubDate>Fri, 17 Jan 2025 16:12:19 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233221-gses-to-delay-bi-merge</link>
    </item>
    <item>
      <title>Freddie Mortgage Purchases Surpass Fannie in 2024</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[It’s the first time Freddie’s MBS business has been larger than Fannie’s on an annual basis since 1991.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233091</guid>
      <pubDate>Fri, 03 Jan 2025 14:00:08 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233091-freddie-mortgage-purchases-for-2024-surpass-fannie</link>
    </item>
    <item>
      <title>Seller GSE Repurchases Decline Sharply in Third Quarter</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Freddie repurchases dropped in the third quarter as the GSE changed how it classifies loans with defects that have been cured by the seller. Withdrawn buyback claims were up. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232937</guid>
      <pubDate>Fri, 13 Dec 2024 15:02:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232937-seller-gse-repurchases-decline-sharply-in-3q24</link>
    </item>
    <item>
      <title>GSE Volumes Lag Ginnie Mae in November</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Ginnie MBS issuance outpaced the GSEs beginning in 2022, a trend that holds to this day. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232943</guid>
      <pubDate>Fri, 13 Dec 2024 15:01:18 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232943-gse-volumes-still-lag-ginnie-mae</link>
    </item>
    <item>
      <title>Post-Hurricane Mortgage Performance for GSE Borrowers</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[An extra inch of rainfall during a hurricane increases the severe delinquency rate of GSE borrowers by about 0.013%.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232803</guid>
      <pubDate>Wed, 27 Nov 2024 14:49:33 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232803-post-hurricane-mortgage-performance-for-gse-borrowers</link>
    </item>
    <item>
      <title>Risk and the Move to More Inclusive Credit Scores</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Researchers compared the performance of borrowers with a credit score from FICO 10 T with previously unscoreable borrowers who are given a score based solely on traditional credit bureau data.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232309</guid>
      <pubDate>Fri, 04 Oct 2024 14:54:48 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232309-risk-and-the-move-to-more-inclusive-credit-scores</link>
    </item>
    <item>
      <title>New Tool From FHFA for Studying Disaster Risk</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[A new FHFA dashboard shows the correlation between GSE acquisitions and geography-focused risks associated with natural disasters.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232121</guid>
      <pubDate>Fri, 20 Sep 2024 14:12:04 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232121-new-tool-for-studying-disaster-risk</link>
    </item>
    <item>
      <title>FHLBank Profits Decline in the Second Quarter</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[All but one of the regional banks experienced a sequential decline in net income, but most reported an increase in voluntary contributions to mission-related activities. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231926</guid>
      <pubDate>Fri, 23 Aug 2024 13:08:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231926-fhlbank-profits-decline-in-the-second-quarter</link>
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