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    <title>Purchase Lending</title>
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      <![CDATA[Description+goes+here]]>
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    <item>
      <title>GSE Lenders Stretch Credit Envelope in First Quarter</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Purchase mortgages and refinances in the highest loan-to-value ratio category accounted for a greater share of mortgages delivered to Fannie Mae and Freddie Mac in the first quarter of 2026. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237109</guid>
      <pubDate>Fri, 03 Apr 2026 11:07:17 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237109-gse-lenders-favored-high-ltv-loans-in-1q</link>
    </item>
    <item>
      <title>DPA Programs Considered Key to Unlocking Purchase Market</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Loan officers can get a leg up against the competition by learning about available downpayment assistance programs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237103</guid>
      <pubDate>Fri, 03 Apr 2026 11:06:19 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237103-dpa-programs-considered-key-to-unlocking-purchase-movement</link>
    </item>
    <item>
      <title>Homeownership Feels Impossible for Young People</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Young generations are investing in risky endeavors, such as day trading, sports betting and prediction markets, to build wealth instead of through homeownership.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237098</guid>
      <pubDate>Fri, 03 Apr 2026 11:01:25 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237098-homeownership-less-of-a-priority-for-younger-generations</link>
    </item>
    <item>
      <title>Tax Season Brings Challenges for Self-Employed Borrowers</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Self-employed borrowers are encouraged to watch what they write off if they plan to buy a home in the next two years.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236990</guid>
      <pubDate>Fri, 20 Mar 2026 12:51:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236990-tax-season-brings-challenges-for-self-employed-borrowers</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>Grapevine: Pulte Targets Score Costs; Mortgage Locks Down</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[FHFA Director Pulte frustrated by credit bureaus; mortgage locks decline in December; Mr. Cooper plans layoffs in California.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236346</guid>
      <pubDate>Fri, 09 Jan 2026 11:08:28 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236346-grapevine-pulte-targets-score-costs-mortgage-locks-down-in-january</link>
    </item>
    <item>
      <title>Credit Bureaus Have Big Expectations for VantageScore</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Leaders at the three major credit bureaus, which own VantageScore, expect to see strong revenues and profits as the GSEs allow VantageScore to compete with FICO.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236089</guid>
      <pubDate>Fri, 05 Dec 2025 12:14:13 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236089-credit-bureaus-have-big-expectations-for-vantagescore</link>
    </item>
    <item>
      <title>Freddie Estimates Cost Savings for Digitized Lenders</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Lenders with high adoption rates for tools from Freddie Mac like automated collateral estimator and asset and income modeler have significantly lower per-loan costs and higher per-loan profits, the GSE says.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236053</guid>
      <pubDate>Fri, 05 Dec 2025 12:12:15 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236053-freddie-mac-estimates-cost-savings-for-digitized-lenders</link>
    </item>
    <item>
      <title>Homebuyers, Sellers at Impasse as Delistings Rise</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Sellers are unwilling to budge on price and buyers are waiting for better deals or a shift in market, prompting more delistings.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236084</guid>
      <pubDate>Fri, 05 Dec 2025 12:07:21 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236084-buyers-sellers-at-impasse-as-delistings-rise</link>
    </item>
    <item>
      <title>G-Fee Hike in 2023 Increased Rejection Rates</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[When g-fees increase, lenders unable to pass the added cost through to all borrowers tend to ration credit by rejecting more loans and charging higher rates, according to new research.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235687</guid>
      <pubDate>Fri, 24 Oct 2025 12:05:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235687-2023-g-fees-hikes-increased-rejection-rates</link>
    </item>
    <item>
      <title>GSEs Get More Low-Risk Purchase Mortgages in Third Quarter</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Deliveries of high-risk purchase loans to the GSEs saw minor increases in the third quarter. But lenders expanded the credit for such loans in the refi sector. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235578</guid>
      <pubDate>Fri, 10 Oct 2025 13:30:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235578-gses-get-more-low-risk-purchase-mortgages-in-third-quarter</link>
    </item>
    <item>
      <title>Mom-and-Pop Investors Drive Real Estate Purchases</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Small investors, who own five or fewer properties, are increasingly turning to debt service coverage ratio financing to grow their portfolios.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235582</guid>
      <pubDate>Fri, 10 Oct 2025 13:21:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235582-mom-and-pop-investors-drive-real-estate-purchases</link>
    </item>
    <item>
      <title>Employers Using DPA Programs to Boost Hiring, Retention</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Employers are increasingly offering downpayment assistance programs as a way to boost employee recruitment and retention.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235331</guid>
      <pubDate>Fri, 12 Sep 2025 12:02:49 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235331-employers-consider-dpa-programs-as-employee-benefit</link>
    </item>
    <item>
      <title>Borrowers See Morality in Forbearance Options</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The perceived morality of mortgage forbearance increases when the borrower pays for the option to forbear, regardless of the political affiliation or personal characteristics of the borrower, according to researchers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235061</guid>
      <pubDate>Fri, 15 Aug 2025 11:31:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235061-the-morality-of-forbearance</link>
    </item>
    <item>
      <title>VantageScore Touts Benefits of New Score</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The use of positive rental payment data and cash flow underwriting in new credit score models is expected to increase the number of borrowers that qualify for mortgages.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234931</guid>
      <pubDate>Fri, 01 Aug 2025 11:20:55 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234931-vantagescore-touts-benefits-of-new-score</link>
    </item>
    <item>
      <title>Rocket Working Toward ‘Refi Button’ Amid Acquisitions</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Rocket Mortgage is leaning on artificial intelligence to improve lending efficiency. The nonbank is wrapping up its acquisition of Mr. Cooper and already seeing benefits from its acquisition of Redfin.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234966</guid>
      <pubDate>Fri, 01 Aug 2025 11:16:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234966-rocket-working-toward-refi-button-amid-acquisitions</link>
    </item>
    <item>
      <title>Grapevine: Rate Outlook; Slower Home Price Appreciation</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage rates aren’t expected to move down much even if the Fed cuts interest rates next month; GSE economists slash projections for home price appreciation; ICE integrates origination and servicing platforms to originate home equity loans; majority of homeowners feeling financially stressed.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234964</guid>
      <pubDate>Fri, 01 Aug 2025 11:10:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234964-grapevine-interest-rate-outlook-fannie-projects-slower-home-price-appreciation</link>
    </item>
    <item>
      <title>Sagging Home Prices Threaten Some Mortgage Markets</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Declining equity and surging escrow payments may be a precursor to market stress in some parts of the country, analysts say.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234822</guid>
      <pubDate>Fri, 18 Jul 2025 12:06:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234822-sagging-home-prices-threaten-some-mortgage-markets</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>Pulte Order Adds Crypto to the Mortgage Equation</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The FHFA director last week directed Fannie Mae and Freddie Mac to figure out how to use cryptocurrency in the mortgage underwriting process.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234681</guid>
      <pubDate>Thu, 03 Jul 2025 13:41:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234681-pulte-order-adds-crypto-to-the-mortgage-equation</link>
    </item>
    <item>
      <title>Zillow Working to Integrate Services for Homebuyers</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Zillow’s “enhanced markets” strategy pairs high-performing real estate agents with loan originators from Zillow’s mortgage unit. The effort helped Zillow double its originations on an annual basis in 2024.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234606</guid>
      <pubDate>Fri, 20 Jun 2025 11:16:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234606-zillow-working-to-integrate-services-for-homebuyers</link>
    </item>
    <item>
      <title>Data Privacy, Automation Help Minority Borrowers</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[In states with data privacy laws, the mortgage-denial gap between minority and non-minority mortgage borrowers is 3% lower than in states without the privacy laws, according to researchers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234571</guid>
      <pubDate>Fri, 20 Jun 2025 11:14:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234571-data-privacy-automation-and-fintech-lending-help-minority-borrowers</link>
    </item>
    <item>
      <title>eNotes Expected to Dominate Mortgage Lending</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The MBA projects that nearly 30% of originations will be through eNotes in 2028, up from 10% now. eNotes can help reduce costs for lenders and improve customer service, according to industry participants.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234480</guid>
      <pubDate>Fri, 06 Jun 2025 11:37:04 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234480-enotes-expected-to-dominate-mortgage-lending</link>
    </item>
    <item>
      <title>Grapevine: Rocket Shareholder Lawsuit Fails; Pulte Presses on Costs</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Rocket prevails in shareholder lawsuit alleging insider trading; FHFA director looking into mortgage costs; mortgage tech vendor seeing interest from potential buyers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234483</guid>
      <pubDate>Fri, 06 Jun 2025 11:34:59 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234483-grapevine-rocket-shareholder-lawsuit-fails-pulte-presses-on-costs</link>
    </item>
    <item>
      <title>Sharp Differences in Outlook for Interest Rates</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Economists at the MBA don’t think interest rates on mortgages will decline much this year. Economists at Fannie Mae project a sizeable drop.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234228</guid>
      <pubDate>Fri, 09 May 2025 12:41:57 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234228-sharp-differences-in-outlook-for-interest-rates</link>
    </item>
    <item>
      <title>Florida Bank Retreats on Mortgage Lending, Goes Local</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Amerant Bank launched national mortgage operations in 2021. Now, the bank is reducing its footprint, focusing on lending in Florida where its bank branches are located.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234106</guid>
      <pubDate>Fri, 25 Apr 2025 12:29:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234106-florida-bank-retreats-on-mortgage-lending-goes-local</link>
    </item>
    <item>
      <title>Grapevine: Poaching Settlement; Loss on Sale of TPO Unit</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Waterstone Financial relents on defense against poaching allegations; Mr. Cooper takes loss on sale of Flagstar’s third-party originations unit; legal expenses rise at Mr. Cooper.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234107</guid>
      <pubDate>Fri, 25 Apr 2025 12:25:21 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234107-grapevine-poaching-settlement-loss-on-sale-of-tpo-unit</link>
    </item>
    <item>
      <title>Borrowers Getting Used to Higher Interest Rates</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Demand from borrowers increases when mortgage rates fall below 6.5%, according to Owen Lee, CEO of Success Mortgage Partners. Due to policies from the Trump administration, it’s unclear whether rates will decline to that level in the near term.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233991</guid>
      <pubDate>Fri, 11 Apr 2025 13:07:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233991-borrowers-getting-used-to-higher-interest-rates</link>
    </item>
    <item>
      <title>Home Prices Cool as More Inventory Hits the Market</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[An increase in housing supply has helped increase options for buyers, limiting home price appreciation.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233992</guid>
      <pubDate>Fri, 11 Apr 2025 13:03:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233992-home-prices-cool-as-more-inventory-hits-the-market</link>
    </item>
    <item>
      <title>Fannie Touts AI Tool for Quality Control</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie’s AI-powered Ask Poli allows quality control personnel to identify frequently researched topics, both within and outside their organization, as a way to forecast current or future loan defects.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233971</guid>
      <pubDate>Fri, 11 Apr 2025 13:02:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233971-fannie-touts-ai-tool-for-quality-control</link>
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