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    <title>Mortgage Insurance</title>
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    <item>
      <title>Servicers Raise Concerns Over Rising Insurance Costs, Taxes</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Servicers are concerned that unanticipated payment shocks tied to insurance and taxes may lead to an increase in delinquencies.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236858</guid>
      <pubDate>Fri, 06 Mar 2026 12:19:22 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236858-servicers-concerned-over-rising-insurance-and-taxes</link>
    </item>
    <item>
      <title>Climate Change Driving Homeowner Migration</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Homeowners are moving away from areas with natural disaster risk due to rising property insurance costs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236855</guid>
      <pubDate>Fri, 06 Mar 2026 12:15:26 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236855-climate-change-driving-homeowner-migration</link>
    </item>
    <item>
      <title>Agency Refi Business With MI Spikes in Fourth Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[In the agency MBS market, refi volume with primary MI was up sharply 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/236345</guid>
      <pubDate>Fri, 09 Jan 2026 11:30:15 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236345-agency-refi-business-with-mi-spikes-in-fourth-quarter</link>
    </item>
    <item>
      <title>Insured Purchase-Mortgage Activity Up in 3Q; Refis Fall</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[The flow of purchase mortgages with some form of mortgage insurance in agency MBS increased in the third quarter of 2025, while refinance business saw a sharp downturn. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235579</guid>
      <pubDate>Fri, 10 Oct 2025 13:27:57 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235579-insured-purchase-mortgage-activity-up-in-3q-refis-fall</link>
    </item>
    <item>
      <title>Rising Flood Insurance Costs Trouble Borrowers</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[A growing share of homeowners are more concerned about increasing flood insurance premiums than actual flood damage to their properties, according to new research by the CFPB.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235327</guid>
      <pubDate>Fri, 12 Sep 2025 12:00:51 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235327-flood-risks-increase-for-more-homeowners</link>
    </item>
    <item>
      <title>Purchase-Mortgage Volume Strong at FHA, VA in 2Q</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[FHA and VA purchase-mortgage volume increased by nearly 30% in the second quarter of 2025 compared with the previous quarter. GSE mortgages with private MI and agency purchase mortgages without primary MI lagged behind. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234712</guid>
      <pubDate>Thu, 03 Jul 2025 13:42:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234712-purchase-mortgage-volume-strong-at-fha-va-in-2q</link>
    </item>
    <item>
      <title>Rising Homeowners Insurance Rates Creating Affordability Issues</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The federal government should put an emphasis on building affordable housing with resilient materials that can withstand natural disasters, according to Rep. Mike Flood, R-NE.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234345</guid>
      <pubDate>Fri, 23 May 2025 11:39:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234345-homeowners-insurance-on-the-rise</link>
    </item>
    <item>
      <title>Mixed Trends in Primary MI Volume in First Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[In the purchase-mortgage market, private MIs lost some share compared with the fourth quarter of 2024. Though the private MI share was up compared with the first quarter of 2024. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234101</guid>
      <pubDate>Fri, 25 Apr 2025 12:36:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234101-mixed-trends-in-primary-mi-volume-in-first-quarter</link>
    </item>
    <item>
      <title>Refinance MI Volume Spikes in Agency Business in 4Q</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Private mortgage insurance companies lost nearly $6 billion of business on the purchase-mortgage side in the fourth quarter, but gained back almost all of it on the refinance side. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233421</guid>
      <pubDate>Fri, 14 Feb 2025 13:08:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233421-refi-mi-volume-spikes-in-agency-business-in-4q</link>
    </item>
    <item>
      <title>Natural Disasters Stressing Homeowners Insurance</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[As natural disasters are becoming increasingly devasting, homeowners insurance is struggling to keep up.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233332</guid>
      <pubDate>Fri, 31 Jan 2025 11:57:12 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233332-escrow</link>
    </item>
    <item>
      <title>Agency MBS Activity With MI Continues to Increase</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Purchase mortgages with primary mortgage insurance pooled into agency MBS increased by 9.7% from the second quarter, while refinance volume spiked by 40.2%. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232300</guid>
      <pubDate>Fri, 04 Oct 2024 11:40:54 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232300-agency-mbs-activity-with-mi-continues-to-increase</link>
    </item>
    <item>
      <title>Mesa Raises Funding for Homeowner Rewards Program</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Mesa’s funding round included investments from Vera Equity, Redwood Trust Horizons and Clocktower Ventures.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232259</guid>
      <pubDate>Fri, 04 Oct 2024 11:31:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232259-mesa-raises-funding-for-homeowner-rewards-program</link>
    </item>
    <item>
      <title>The Rising Cost of Having a Place to Call Home</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHFA economists estimate that the average required monthly payment for a new mortgage rose 57% between 2022 and the end of 2023.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231770</guid>
      <pubDate>Fri, 09 Aug 2024 12:23:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231770-the-rising-cost-of-having-a-place-to-call-home</link>
    </item>
    <item>
      <title>Loans Without MI Gain Share in the Second Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Primary MI lost market share in the agency market in the second quarter in both purchase mortgages and refis. Among loans in agency MBS with some form of MI, three states combined to account for slightly more than 30% of total volume in the second quarter. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231538</guid>
      <pubDate>Fri, 12 Jul 2024 13:07:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231538-loans-without-mi-gain-share-in-the-second-quarter</link>
    </item>
    <item>
      <title>Lenders, Regulators Work to Measure Climate Risk</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Federal Reserve, FHFA, large banks and the GSEs are all struggling to model the future impact of climate change, both on their specific businesses and on the broader economy.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231021</guid>
      <pubDate>Fri, 17 May 2024 11:09:04 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231021-the-rush-to-measure-climate-risk</link>
    </item>
    <item>
      <title>Refis With Primary MI in Agency MBS Spike in First Quarter</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[While mortgages with primary insurance coverage included in agency mortgage-backed securities declined in the first quarter overall, VA refi volume jumped. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230660</guid>
      <pubDate>Fri, 05 Apr 2024 14:50:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230660-refis-with-primary-mi-in-agency-mbs-spike-in-first-quarter</link>
    </item>
    <item>
      <title>Survey Finds Lack of Escrow Account Understanding </title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Increases in property taxes and home insurance that bump escrow amounts could put homeowners in financial hardship, according to a new survey by Lereta.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230288</guid>
      <pubDate>Fri, 23 Feb 2024 13:52:26 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230288-rising-property-taxes-insurance-costs-causing-concerns-among-borrowers</link>
    </item>
    <item>
      <title>FHA Coverage in Agency MBS Spikes in 2023 </title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[The volume of loans declined in all mortgage insurance categories on both the purchase-mortgage and refinance sides of the agency market in 2023. Meanwhile, FHA gained market share. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230033</guid>
      <pubDate>Fri, 26 Jan 2024 13:31:30 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230033-fha-coverage-in-agency-mbs-spikes-in-2023</link>
    </item>
    <item>
      <title>Climate Risk Stressing Insurers, Servicers</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[As severe weather events batter major housing markets, borrowers are finding it difficult and expensive to obtain homeowners insurance, according to panelists at a Mortgage Bankers Association conference.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228899</guid>
      <pubDate>Fri, 15 Sep 2023 12:39:21 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228899-analysts-climate-risk-will-continue-stressing-insurers-servicers</link>
    </item>
    <item>
      <title>Prefunded Mortgage Reserves Can Limit Defaults</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Low-income borrowers could divert some of their downpayment funds to a reserve account that would pay loan costs during emergencies in a pilot program proposed by the Urban Institute.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228255</guid>
      <pubDate>Fri, 07 Jul 2023 12:03:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228255-can-prefunded-mortgage-reserves-forestall-defaults</link>
    </item>
    <item>
      <title>Grapevine: New Low-Downpayment Products; CFPB Shopping Study</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Rocket, UWM offer low-downpayment products; CFPB finds sharp differences in loan pricing; servicing profits improve; timing for recession unclear; quantifying the refi boom; Freddie improves paystub analysis; Blend offers soft credit pulls; MISMO seeks comments on closing standards; Maxwell acquires capital markets provider; fractional homeownership.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227912</guid>
      <pubDate>Fri, 26 May 2023 10:28:07 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227912-grapevine-new-low-downpayment-products-cfpb-shopping-study</link>
    </item>
    <item>
      <title>Private MI Gains Share in Agency Market in 1Q23</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Private mortgage insurers gained market share in the agency purchase market during the first quarter, even as securitization of insured mortgages declined. (Includes two data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227508</guid>
      <pubDate>Fri, 14 Apr 2023 14:15:16 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227508-private-mi-gains-share-in-agency-market-in-1q23</link>
    </item>
    <item>
      <title>Mortgage-Related Risks from Climate Change Evolving </title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Climate change means future hurricanes will be more severe and have a more northerly track, changing the geography of loss risk for lenders and insurers alike.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227120</guid>
      <pubDate>Fri, 03 Mar 2023 14:08:27 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227120-climate-and-mortgage-risk</link>
    </item>
    <item>
      <title>Mortgage Insurance Volume Down in 4Q, FHA Gains Share</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Rising interest rates took a bigger bite out of private MI activity than FHA business in the fourth quarter of 2022. On an annual basis, primary MI activity fell, based on agency MBS issuance, though issuance volume involving loans without MI was off by even more. (Includes two data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226661</guid>
      <pubDate>Fri, 06 Jan 2023 14:43:16 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226661-mortgage-insurance-volume-down-in-4q-fha-gains-share</link>
    </item>
    <item>
      <title>Private Mortgage Insurance Loses MI Market Share in Third Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Among purchase mortgages with primary mortgage insurance, GSE volume declined in the third quarter while FHA and VA volume increased. California also lost its spot as the top source of loans with MI. (Includes two data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225881</guid>
      <pubDate>Fri, 07 Oct 2022 15:58:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225881-private-mortgage-insurance-loses-mi-market-share-in-third-quarter</link>
    </item>
    <item>
      <title>Low-Balance Loans and Refi Discrimination</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Low-balance borrowers seeking to refinance pay proportionally higher closing costs and receive a smaller reduction in interest rates, according to findings published by the Federal Reserve.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225370</guid>
      <pubDate>Fri, 12 Aug 2022 12:47:11 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225370-low-balance-loans-and-refi-discrimination</link>
    </item>
    <item>
      <title>Purchase-Mortgage MI Volume Steady in 2Q as Refis Drop</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Purchase-mortgage business with primary mortgage insurance held up well in the second quarter while refi activity dropped, according to an analysis of agency MBS issuance. (Includes two data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225137</guid>
      <pubDate>Fri, 15 Jul 2022 15:10:52 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225137-purchase-mortgage-mi-volume-steady-in-2q-as-refis-drop</link>
    </item>
    <item>
      <title>Risk Expert Says GSEs Are Assessing Their Exposure to Climate Risk</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[University of Maryland professor Clifford Rossi says Fannie Mae and Freddie Mac are discussing ways to proactively deal with risks of climate change.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224389</guid>
      <pubDate>Fri, 22 Apr 2022 12:45:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224389-risk-expert-says-gses-are-assessing-their-exposure-to-climate-risk</link>
    </item>
    <item>
      <title>Mixed Trends for Mortgage Insurance Volume in First Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Private mortgage insurers gained share in the primary MI market in the first quarter of 2022, helped by purchase-mortgage activity. VA loans accounted for the majority of refis with primary MI during the period. (Includes two data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224246</guid>
      <pubDate>Fri, 08 Apr 2022 09:50:47 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224246-mixed-trends-for-mortgage-insurance-volume-in-first-quarter</link>
    </item>
    <item>
      <title>Private MIs Lose Share of Agency Business in 4Q21 </title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Private mortgage insurers lost market share in the agency purchase market during the last quarter of 2021, while FHA production shifted toward riskier business.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223470</guid>
      <pubDate>Fri, 14 Jan 2022 12:45:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223470-private-mis-lose-share-of-agency-business-in-4q21</link>
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