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    <item>
      <title>Correspondents Retreat in 4Q as Brokers Forge Ahead</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[Wholesale and retail lenders expanded their mortgage production more than correspondent aggregators in the origination boomlet that took shape during the final quarter of 2025. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237001</guid>
      <pubDate>Fri, 20 Mar 2026 12:58:32 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237001-correspondents-retreat-in-4q-as-brokers-forge-ahead</link>
    </item>
    <item>
      <title>Newrez Margins, Originations Increase in Fourth Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The lender’s gain-on-sale margin increased from 1.14% in the third quarter to 1.50% in the fourth quarter, with a rise in originations to boot. Leaders at the company cautioned that some lenders are gaining market share at the expense of earnings.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236861</guid>
      <pubDate>Fri, 06 Mar 2026 12:20:21 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236861-newrez-increases-margins-originations-in-fourth-quarter</link>
    </item>
    <item>
      <title>Correspondents Lose Share in Agency Securitizations</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[Correspondent lenders lost market share to wholesale-brokers in agency securitizations as refinances made a strong comeback in the fourth quarter of 2025. Credit quality improved across the board. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236615</guid>
      <pubDate>Fri, 06 Feb 2026 11:58:09 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236615-correspondents-lose-share-in-agency-securitizations</link>
    </item>
    <item>
      <title>Bank Mergers and the Availability of Mortgage Credit</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Researchers at the FRB of Richmond demonstrate how banks that gain local market share by acquiring an existing bank are likely to decrease FHA lending even while increasing conventional lending.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236589</guid>
      <pubDate>Fri, 06 Feb 2026 11:51:24 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236589-bank-mergers-and-the-availability-of-mortgage-credit</link>
    </item>
    <item>
      <title>Bank Retail Lending Slows in 3Q, Mortgage Sales Rise</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[SoFi Bank posted an 18.2% quarterly increase in retail lending in the third quarter, while the market as a whole contracted. The bank is looking to cross-sell mortgages to its customers. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236217</guid>
      <pubDate>Fri, 19 Dec 2025 12:05:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236217-bank-retail-lending-slows-in-3q-mortgage-sales-rise</link>
    </item>
    <item>
      <title>Third-Party Lenders Boost Market Share in Third Quarter</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[Wholesale-brokers and correspondent aggregators increased their market share in all three major product categories. Retail continued to lead conventional-conforming lending. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236091</guid>
      <pubDate>Fri, 05 Dec 2025 12:16:13 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236091-third-party-lenders-boost-market-share-across-the-board</link>
    </item>
    <item>
      <title>Retail Channel Boosts Its Share in Agency Securitizations</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[Agency securitizations rose slightly in the third quarter thanks to increased deliveries of retail loans. Credit quality improved very slightly. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235847</guid>
      <pubDate>Fri, 07 Nov 2025 12:09:06 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235847-retail-channel-boosts-its-share-in-agency-securitizations</link>
    </item>
    <item>
      <title>Banks Boost Retail Lending, Secondary Sales in 2Q</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Retail originations of mortgages by banks and thrifts sharply increased in the second quarter. The industry also reported a more modest increase in secondary-market mortgage sales. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235454</guid>
      <pubDate>Fri, 26 Sep 2025 13:36:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235454-banks-boost-retail-lending-secondary-sales-in-2q</link>
    </item>
    <item>
      <title>Retail Channel Gains Market Share in Second Quarter</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[Retail lenders gained market share in the second quarter, mostly at the expense of correspondent aggregators. Brokers lost some ground mainly because production didn’t grow quite as fast as the market overall. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235335</guid>
      <pubDate>Fri, 12 Sep 2025 12:12:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235335-retail-channel-gains-market-share</link>
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    <item>
      <title>Retail Loses Market Share But Still Leads Agency Securitizations</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[The retail channel lost some market share in agency securitizations but maintained a narrow lead over the correspondent channel in the second quarter of 2025. Credit quality weakened while the average loan size reached a new peak. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235096</guid>
      <pubDate>Fri, 15 Aug 2025 11:38:55 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235096-retailers-lose-share-but-still-lead-agency-securitizations</link>
    </item>
    <item>
      <title>Retail Share of Originations Slips Across Loan Types</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The retail channel lost market share in conventional-conforming, government-insured and nonconforming originations in the first quarter of 2025. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234604</guid>
      <pubDate>Fri, 20 Jun 2025 11:24:34 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234604-retail-sare-of-originations-slips-across-loan-types</link>
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    <item>
      <title>CrossCountry Tops Correspondent Sellers in 2024</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Correspondent sales of mortgage loans to unaffiliated buyers increased 26.8% in 2024, led by CrossCountry Mortgage, Rate and United Wholesale Mortgage. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234440</guid>
      <pubDate>Fri, 06 Jun 2025 11:38:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234440-correspondent-sales-of-mortgages-rebound-in-2024</link>
    </item>
    <item>
      <title>Correspondent Footprint Grows in Agency Market</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[Correspondent aggregators increased their agency origination footprint in the first quarter of 2025, even as securitization volume fell by 22.6%. Purchase mortgages still dominated the market while credit quality remained stable. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234231</guid>
      <pubDate>Fri, 09 May 2025 12:36:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234231-correspondent-footprint-grows-in-1q25-agency-securitizations</link>
    </item>
    <item>
      <title>Wholesalers Gain Share in Conventional-Conforming Lending</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[Wholesale-broker originators boosted their market share in conventional-conforming mortgages in the fourth quarter. Correspondents regained some previously lost ground in FHA/VA lending while retail remained king of the nonconforming segment. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233865</guid>
      <pubDate>Fri, 28 Mar 2025 12:59:36 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233865-wholesalers-gain-share-in-conventional-conforming-lending</link>
    </item>
    <item>
      <title>Bank Retail Production, Loan Sales Slow in Fourth Quarter</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[The decline in retail origination at banks and thrifts came even as overall originations increased slightly from the third to the fourth quarter. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233858</guid>
      <pubDate>Fri, 28 Mar 2025 12:56:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233858-bank-retail-production-loan-sales-slow-in-fourth-quarter</link>
    </item>
    <item>
      <title>Better Looks to Tech, LOs in Quest for Profitability</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Better is touting investments in artificial intelligence to help slash costs tied to originating refis. The lender is also building a distributed retail operation to increase production of purchase mortgages.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233859</guid>
      <pubDate>Fri, 28 Mar 2025 12:54:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233859-better-looks-to-tech-los-in-quest-for-profitability</link>
    </item>
    <item>
      <title>Retail Channel Gains Agency Share as Refis Strengthen</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[The retail channel gained market share in agency deliveries as refinance deliveries increased sharply during the fourth quarter of 2024. Underwriting standards tightened and loan sizes rose. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233342</guid>
      <pubDate>Fri, 31 Jan 2025 12:00:09 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233342-retail-gains-agency-share-as-refis-strengthen</link>
    </item>
    <item>
      <title>Correspondents Gain Share in Conventional Conforming in 3Q</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The correspondent channel’s share of originations increased for both conventional-conforming loans and nonconforming mortgages in the third quarter, according to a survey of lenders. Meanwhile, brokers gained share in the government-insured market. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232949</guid>
      <pubDate>Fri, 13 Dec 2024 12:00:43 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232949-correspondents-gain-share-in-conventional-conforming-in-3q</link>
    </item>
    <item>
      <title>Banks Increase Sales of Mortgages in Third Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Sales of mortgages by banks increased by 20.5% in the third quarter even as the top bank reduced its sales. Eight of the 10 top banks boosted their sales from the second quarter. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232945</guid>
      <pubDate>Fri, 13 Dec 2024 11:56:51 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232945-banks-increase-sales-of-mortgages-in-third-quarter</link>
    </item>
    <item>
      <title>Fed Researchers Quantify the Lock-In Effect</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Federal Reserve researchers found that pandemic-era interest rates reduced mobility by 44%, as many homeowners are reluctant to let go of their low interest rates.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232917</guid>
      <pubDate>Fri, 13 Dec 2024 11:53:56 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232917-quantifying-the-lock-in-effect</link>
    </item>
    <item>
      <title>Correspondents Gain Agency Market Share in Third Quarter</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[While retail continued to be the top channel in securitizations of conforming loans, correspondents gained 294 basis points of market share in the third quarter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232646</guid>
      <pubDate>Fri, 15 Nov 2024 13:59:46 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232646-correspondents-gain-agency-market-share-in-3q</link>
    </item>
    <item>
      <title>Retail Footprint Grows in Conventional Lending</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[The retail share of conventional-conforming production rose by more than three percentage points while government and nonconforming lenders turned toward correspondents. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232183</guid>
      <pubDate>Fri, 20 Sep 2024 14:36:07 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232183-retail-footprint-grows-in-conventional-lending</link>
    </item>
    <item>
      <title>Banks Crank Up Retail Production, Loan Sales in 2Q</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Banks and thrifts reported $44.54 billion in retail mortgage production in the second quarter, making it the strongest three-month period for bank retail lending since the third quarter of 2022. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232168</guid>
      <pubDate>Fri, 20 Sep 2024 14:35:08 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232168-banks-cranked-up-retail-production-loan-sales-in-2q</link>
    </item>
    <item>
      <title>Third-Party Channels Gain Share in Agency Market</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The retail channel’s share of agency MBS production slipped from 47.4% in the first quarter to 45.6% in the second quarter. The correspondent and broker channels gained share. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231806</guid>
      <pubDate>Fri, 09 Aug 2024 12:35:52 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231806-third-party-channels-gain-share-in-agency-market</link>
    </item>
    <item>
      <title>Loan Originators Advised to Prepare for More Volume </title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Despite inventory challenges, officials at Flagstar are hopeful that an expected rate cut will help boost mortgage originations.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231534</guid>
      <pubDate>Fri, 12 Jul 2024 13:06:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231534-flagstar-optimistic-for-originations-rebound</link>
    </item>
    <item>
      <title>Broker Channel Gains in a Weak Originations Market </title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Brokers gained market share across all three lending sectors in the first quarter. The biggest gain was in the government-insured lending market. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231412</guid>
      <pubDate>Fri, 28 Jun 2024 11:41:55 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231412-broker-channel-gains-in-a-dull-originations-market</link>
    </item>
    <item>
      <title>Bank Retail Lending Declines in First Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Retail originations by banks and thrifts typically decline on a quarterly basis in the first quarter of a year, a trend that continued in 2024. However, retail lending was up compared with the first quarter of 2023. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231302</guid>
      <pubDate>Fri, 14 Jun 2024 11:31:27 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231302-bank-retail-lending-declines-in-first-quarter</link>
    </item>
    <item>
      <title>Correspondent Securitizations Plunge as Refis Resurface </title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[Agency securitizations of correspondent loans were sharply down in the first quarter of 2024 as volume dropped across the board. Refinances made a surprising surge, while credit quality remained unchanged. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230925</guid>
      <pubDate>Fri, 03 May 2024 13:53:36 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230925-correspondent-securitizations-plunge-as-refis-attempt-comeback</link>
    </item>
    <item>
      <title>Veterans United Top Correspondent Seller in 2023</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[While overall correspondent sales to unaffiliated non-agency buyers declined in 2023, Veterans United increased its sales volume. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230923</guid>
      <pubDate>Fri, 03 May 2024 13:50:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230923-veterans-united-remains-top-correspondent-sellers-in-2023</link>
    </item>
    <item>
      <title>Figure Launches Alternative to MERS Registry</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Figure Technology Solutions is offering its Digital Asset Registration Technologies registry to partners of Figure Lending to use for home equity lines of credit.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230792</guid>
      <pubDate>Fri, 19 Apr 2024 12:35:33 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230792-figure-launches-alternative-to-mers-registry</link>
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