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    <title>Refi Lending</title>
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      <![CDATA[Description+goes+here]]>
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      <title>Lenders Encouraged to Consider Reverse Mortgages</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage executives believe reverse-mortgage products are a valuable tool to boost originations as the average age of homeowners is increasing and more seniors are looking for ways to take advantage of the equity in their homes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236731</guid>
      <pubDate>Fri, 20 Feb 2026 12:22:38 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236731-lenders-encouraged-to-consider-reverse-mortgages-to-boost-originations</link>
    </item>
    <item>
      <title>Lenders Increasingly Leveraging Data Intelligence for Retention</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Michael Patterson, chief operating officer at Freedom Mortgage, said intelligently using data collected from borrowers is key to improving customer experience and boosting retention.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236599</guid>
      <pubDate>Fri, 06 Feb 2026 11:57:11 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236599-lenders-increasing-leveraging-data-intelligent-for-retention</link>
    </item>
    <item>
      <title>Lenders Offering Guidance on Student Loan Repayments</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage lenders are partnering with student loan debt repayment services as a pathway to drive business with new and existing borrowers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236469</guid>
      <pubDate>Fri, 23 Jan 2026 14:16:36 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236469-lenders-increasingly-offering-guidance-on-student-loan-repayments</link>
    </item>
    <item>
      <title>Homeowners Expected to Ramp Up Use of Equity</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Homeowners are increasingly tapping into their home equity as part of a strategic planning process given uncertainties in the economy.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236471</guid>
      <pubDate>Fri, 23 Jan 2026 14:12:43 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236471-homeowners-expected-to-increasingly-tap-home-equity-in-2026</link>
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    <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>All-Cash Offers Create Opportunities for Lenders</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Delayed financing offers a way for all-cash homebuyers to quickly tap the equity in their home.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235656</guid>
      <pubDate>Fri, 24 Oct 2025 12:04:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235656-all-cash-offers-create-new-opportunities-for-lenders-more-competition-for-homebuyers</link>
    </item>
    <item>
      <title>Quick Closing Time is Important for HEL Borrowers</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Banks and credit unions are struggling to compete with technology-focused lenders who use automation to close home equity loans faster.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235583</guid>
      <pubDate>Fri, 10 Oct 2025 13:26:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235583-faster-closing-times-a-priority-for-hel-borrowers</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>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>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>Grapevine: Recapture Concerns; Rocket Eases Fitch’s Fears</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Rosy recapture-rate projections prompt some pushback; Fitch removes Rocket from downgrade watch; PennyMac upsizes debt offering; MISMO seeking comments.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234229</guid>
      <pubDate>Fri, 09 May 2025 12:30:09 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234229-grapevine-recapture-concerns-fitch-removes-rocket-from-downgrade-watch</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>Lender Response to Mortgage Seasonality</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[During summer months, when loan officers are more likely to be overworked, denial rates on refinance applications increase, a sign of credit rationing, according to CFPB researchers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234080</guid>
      <pubDate>Fri, 25 Apr 2025 12:26:19 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234080-lender-response-to-mortgage-seasonality</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>Rocket’s Leverage Expected to Increase With Mr. Cooper</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Fitch Ratings warned that it could downgrade its corporate rating on Rocket following the company’s planned acquisition of Mr. Cooper. Rocket’s corporate leverage looks poised to increase.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233994</guid>
      <pubDate>Fri, 11 Apr 2025 13:04:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233994-rockets-leverage-expected-to-increase-with-mr-cooper</link>
    </item>
    <item>
      <title>Grapevine: Tax Benefits for Rocket’s Dan Gilbert; Another Chance for RON</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The founder of Rocket Companies could see $571.9 million in tax benefits triggered by the company’s planned acquisition of Mr. Cooper; legislation in the House would set standards for remote online notarization; new company offering NMLS-approved education.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233995</guid>
      <pubDate>Fri, 11 Apr 2025 13:01:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233995-grapevine-tax-benefits-for-gilbert-another-chance-for-ron</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>G-Fee Hikes Affect Some Demographics More Than Others</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Changes to the pricing grids of Fannie Mae and Freddie Mac last May created a natural experiment for researchers to study how changes to guarantee fees impact the housing market.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233561</guid>
      <pubDate>Fri, 28 Feb 2025 12:19:07 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233561-g-fee-hikes-affect-some-demographics-more-than-others</link>
    </item>
    <item>
      <title>Large Nonbanks Continue to Invest in Proprietary Tech</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[To increase already substantial market shares, nonbank mortgage companies are investing in proprietary technology for originations and servicing.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233335</guid>
      <pubDate>Fri, 31 Jan 2025 11:56:14 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233335-large-nonbanks-continue-to-invest-in-proprietary-tech</link>
    </item>
    <item>
      <title>Grapevine: FCC Consent Rule Struck Down; Cash-Out Refi Trends</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[FCC one-to-one consent rule vacated; CFPB details cash-out refi usage; RiskSpan launches MSR analytics offering; AI tool helps with mortgage applications in Spanish.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233338</guid>
      <pubDate>Fri, 31 Jan 2025 11:51:24 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233338-grapevine-fcc-consent-rule-struck-down-cash-out-refi-trends</link>
    </item>
    <item>
      <title>Lenders See Benefits, Challenges With eClosing</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[While electronic closings offer faster turn times, adoption of the technology comes with some complications. Still, the share of eNotes is expected to triple by 2028.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233216</guid>
      <pubDate>Fri, 17 Jan 2025 12:07:06 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233216-lenders-see-benefits-challenges-with-eclosing</link>
    </item>
    <item>
      <title>Mortgage Servicers Complicate Divorce Process</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Recently divorced or widowed homeowners told the CFPB that mortgage servicers sometimes say they must refinance, even when they should be able assume the existing mortgage.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233178</guid>
      <pubDate>Fri, 17 Jan 2025 12:01:14 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233178-mortgage-servicers-complicate-divorce-process</link>
    </item>
    <item>
      <title>Grapevine: FCC Warns of Spoof Calls; Rocket Starts Rebrand</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[FCC warns scammers are successfully impersonating mortgage companies; Rocket begins first phase of rebrand; household growth expected to slow; MBA expands college program; Lower acquires technology vendor; MTC increases transparency on MSR valuations; Voxtur Analytics considering a sale; automated loan mod offering.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233219</guid>
      <pubDate>Fri, 17 Jan 2025 12:00:17 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233219-grapevine-ftc-warns-of-spoof-calls-rocket-starts-rebrand</link>
    </item>
    <item>
      <title>Fannie Details Warning Signs for Occupancy Status</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The quality control team at Fannie Mae identified “red flags” that could indicate borrowers have mischaracterized whether they’re seeking a mortgage for a primary residence or for a second home or investment property.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233060</guid>
      <pubDate>Fri, 03 Jan 2025 14:05:41 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233060-tips-for-validating-occupancy-types</link>
    </item>
    <item>
      <title>Grapevine: Momentum for Trigger Leads Bill; Boomer Equity</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[With Rep. Patrick McHenry, R-NC, no longer in Congress, legislation to limit trigger lead activity could see a boost; baby boomers expected to pass along home equity to heirs; two banks reposition portfolios; Clever Real Estate adds servicing clients.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233088</guid>
      <pubDate>Fri, 03 Jan 2025 14:02:46 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233088-grapevine-momentum-for-trigger-leads-bill-home-equity-in-the-will</link>
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