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      <title>Grapevine: Onity Taps Tax Windfall; Loan Defects Increase</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Onity takes $120.0 million deferred tax asset valuation allowance; income/employment defects rise; Sagent launches servicing platform; AI company rescinds link to Intercontinental Exchange.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/236737</guid>
      <pubDate>Fri, 20 Feb 2026 12:18:45 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236737-grapevine-onity-taps-tax-windfall-loan-defects-increase</link>
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      <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>
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    <item>
      <title>Increased Competition, Remote Work Leading to Burnout</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage executives recommend frequent communication and annual in-person meetings to help staff overcome burnout challenges.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235838</guid>
      <pubDate>Fri, 07 Nov 2025 12:05:13 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235838-increased-competition-remote-work-leads-to-challenges-with-burnout</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>
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      <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>
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      <title>Grapevine: Recession Risk Rising; New Income/Employment Tools</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[MBA increases odds of a recession within next 12 months; new tools to verify employment, income; downpayment size increases in 2024; new proposals from MISMO; lender raises funds; Cardinal offers processing for brokers; new hire at Nationwide Mortgage Bankers.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/233860</guid>
      <pubDate>Fri, 28 Mar 2025 12:44:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233860-grapevine-recession-risk-rising-new-income-employment-tools</link>
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      <title>Servicers, Lenders Eye Tech Optimization Amid Uncertainty</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Economic uncertainty will require mortgage companies to be more flexible in how they scale their operations.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233214</guid>
      <pubDate>Fri, 17 Jan 2025 12:04:11 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233214-servicers-and-originators-eye-tech-optimization-amid-uncertainty</link>
    </item>
    <item>
      <title>Lenders Putting an Emphasis on Customer Experience</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Lenders are planning to take a more hands-on approach in 2025 due to the purchase-heavy environment expected this year.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233072</guid>
      <pubDate>Fri, 03 Jan 2025 14:06:37 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233072-lenders-putting-an-emphasis-on-customer-experience</link>
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    <item>
      <title>Borrowers Turn to Advisory-Focused Lenders for Guidance</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[A more challenging housing market has led more homebuyers to seek guidance from loan officers, according to a new J.D. Power survey.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232690</guid>
      <pubDate>Fri, 15 Nov 2024 13:53:53 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232690-borrowers-turn-to-more-advisory-focused-lenders-for-guidance</link>
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    <item>
      <title>Outsourcing Providers Pitch Their Services as Originations Increase</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Outsourcing mortgage fulfillment services could be a cost-effective way for originators to increase volume without significantly adding staff.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232421</guid>
      <pubDate>Fri, 18 Oct 2024 12:08:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232421-outsourcing-mortgage-fulfillment-service-could-be-vital-as-volume-increases</link>
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    <item>
      <title>Quality Control Defects on GSE Loans Have Evolved</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Six of the top 10 significant defects in loans acquired by Fannie Mae in the first quarter of this year weren’t on the list in the last quarter of 2023. Income calculation, though remained at the top of the list.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232409</guid>
      <pubDate>Fri, 18 Oct 2024 12:05:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232409-how-quality-control-defects-have-evolved</link>
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    <item>
      <title>Offshore Outsourcing May Help Alleviate Production Overhead</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Outsourcing underwriting tasks to offshore contractors can help reduce production costs for mortgage lenders, according to an executive at Verity Global Solutions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232167</guid>
      <pubDate>Fri, 20 Sep 2024 14:30:12 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232167-offshore-outsourcing-may-help-alleviate-production-overhead</link>
    </item>
    <item>
      <title>Implementing AI in the Mortgage Space</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[One reason companies should formally adopt generative AI is that three-quarters of employees say they already use ChatGPT or one of its competitors in the workplace.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232006</guid>
      <pubDate>Fri, 06 Sep 2024 12:55:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232006-implementing-ai-in-the-mortgage-space</link>
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    <item>
      <title>Student Loan Debt, Verification Issues Top Fannie’s Loan Defect List</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Defects related to liabilities on student loans, income/employment verification and the appraisal process topped the list of items Fannie warns lenders to keep alert for.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/231268</guid>
      <pubDate>Fri, 14 Jun 2024 11:32:26 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231268-fannie-ids-top-loan-defects</link>
    </item>
    <item>
      <title>Grapevine: Diversified Nonbanks Faring Better; Job Cuts Continue</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Flexible nonbanks weathering the storm; layoffs continue at mortgage companies; tepid demand for mortgages on new homes; best execution analysis; Rocket preps AI offering; Equifax boosts mortgage-related revenue.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230791</guid>
      <pubDate>Fri, 19 Apr 2024 12:23:39 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230791-grapevine-diversified-nonbanks-faring-better-job-cuts-continue</link>
    </item>
    <item>
      <title>UWM Loses Bid to Move Employment Dispute to Arbitration</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[A Michigan appeals court judge affirmed that UWM’s move to compel arbitration in a dispute with a former employee was seven months too late.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230656</guid>
      <pubDate>Fri, 05 Apr 2024 14:44:47 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230656-uwm-loses-bid-to-move-employment-dispute-to-arbitration</link>
    </item>
    <item>
      <title>Guild, loanDepot Take Losses in Fourth Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Two large nonbank retail lenders took losses in the fourth quarter, with officials stressing that better days are ahead. Guild is growing through M&A while loanDepot is reducing its staffing.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230547</guid>
      <pubDate>Fri, 22 Mar 2024 14:27:20 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230547-guild-loandepot-take-losses-in-fourth-quarter</link>
    </item>
    <item>
      <title>Mortgage Lenders Express Concerns Over Understaffing</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Executives at Kind Lending and Paramount Residential Mortgage Group said lenders need to boost staffing levels to be prepared for increased originations this year.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230132</guid>
      <pubDate>Fri, 09 Feb 2024 13:55:38 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230132-lenders-concerned-they-are-understaffed-for-2024</link>
    </item>
    <item>
      <title>Grapevine: Mortgage Employment Declines; Rate Locks Increase</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Lenders cut more staff; rate locks up 14% in January; borrowers have plenty of equity; bill to limit trigger leads in House; LoanCare revamps servicing website; Staircase launches ChatMTG.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230169</guid>
      <pubDate>Fri, 09 Feb 2024 13:40:39 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230169-grapevine-mortgage-employment-declines-rate-locks-increase</link>
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    <item>
      <title>Grapevine: Margins to Remain Constrained; Cyber Recovery</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[While originations are expected to increase this year, margins might not improve much; First American back online following cyberattack; MSR demand expected to remain strong; held-to-maturity accounting lives on; new digital servicing platform; new buydown program.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229898</guid>
      <pubDate>Fri, 12 Jan 2024 12:45:21 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229898-grapevine-margins-expected-to-remain-constrained-recovering-from-cyber-incidents</link>
    </item>
    <item>
      <title>California-Based Lender Loses Compensation Dispute</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[NMSI lost an appeal of a lawsuit brought by two former employees regarding compensation. The dispute centered on whether email correspondence was sufficient to modify an employment contract.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229286</guid>
      <pubDate>Fri, 27 Oct 2023 13:55:25 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229286-lender-on-the-hook-following-compensation-dispute</link>
    </item>
    <item>
      <title>Documentation Critical for Managing Return to Office</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Maintaining internal policies and documenting employees’ work practices are vital to effectively managing the return-to-office transition, according to industry participants.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229143</guid>
      <pubDate>Fri, 13 Oct 2023 16:15:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229143-analysts-say-documentation-critical-to-managing-rto</link>
    </item>
    <item>
      <title>Grapevine: Better’s Staff Down 92%; Lenders Jump Ahead of FHFA</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Better went from more than 10,000 employees in 2021 to fewer than 900 as of Sept. 1; lenders start early on 2024 loan limits; mortgage lock-in easing; MISMO initiatives; tool to check for appraisal bias; automated title reviews; insurance platform raises funds.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229160</guid>
      <pubDate>Fri, 13 Oct 2023 16:09:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229160-grapevine-betters-staff-down-92-lenders-jump-ahead-of-fhfa</link>
    </item>
    <item>
      <title>Grapevine: California Closer to RON; Lenders Slow on eClosing</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[California is set to become the 45th state to allow remote online notarizations for real estate transactions; LOs available 24/7 at Guaranteed Rate; empathetic lenders slow to cut staff; former Black Knight units rebrand as Dark Matter Technologies; Incenter boosts corporate staff; warehouse lending system moves to the cloud.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229015</guid>
      <pubDate>Fri, 29 Sep 2023 13:14:21 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229015-grapevine-california-closer-to-ron-lenders-slow-on-eclosing</link>
    </item>
    <item>
      <title>Lenders Advised to Tier Loan Originator Compensation</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Volumes are down and lenders are racing to cut costs, but some of their approaches may not be the best for long-term success, a Stratmor analyst said. He suggested lenders update their LO comp structures.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228501</guid>
      <pubDate>Fri, 04 Aug 2023 13:17:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228501-stratmor-says-lo-comp-updates-long-past-due</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: More Lenders Offering DPA; LO Pay and Satisfaction</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[CrossCountry, Guild offering downpayment assistance; majority of loan originators living paycheck to paycheck; legislation would limit trigger lead activity; and more.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228178</guid>
      <pubDate>Fri, 23 Jun 2023 15:01:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228178-grapevine-more-lenders-offering-dpa-lo-pay-and-satisfaction</link>
    </item>
    <item>
      <title>Grapevine: Debt Ceiling and Interest Rates; Lenders Still Shrinking</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Interplay between debt ceiling and mortgage interest rates; mortgage employment declines; rate locks down; Rithm considers spin-off; Planet Financial looking for lenders; new LO recruiting software; Blend’s market share grows; Black Knight’s margins; new appraisal marketplace; MISMO requests for comment.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227801</guid>
      <pubDate>Fri, 12 May 2023 15:46:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227801-grapevine-debt-ceiling-and-interest-rates-lenders-still-shrinking</link>
    </item>
    <item>
      <title>Grapevine: When to Call it Quits; Some Concerns on MSR Marks</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage companies waiting for the market to improve; some high marks on MSRs; Ishbia ready to dedicate more time to UWM; Equifax offers expanded credit reports; House approves bill to set minimum federal standards for remote online notarization; Better launches mortgage product for Amazon employees.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227149</guid>
      <pubDate>Fri, 03 Mar 2023 14:04:32 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227149-grapevine-when-to-call-it-quits-some-concerns-on-msr-marks</link>
    </item>
    <item>
      <title>Grapevine: Why NYCB Shrank Flagstar; New Servicing Incentives from FHA</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[NYCB closes Flagstar’s non-bank branches; FHA offers new incentives for servicers; home prices decline again in November; MBA writes to FHFA on the cost of doing business with the GSEs; new products aimed at newly-constructed homes; MISMO offers loan limit tool.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226900</guid>
      <pubDate>Fri, 03 Feb 2023 14:52:34 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226900-grapevine-why-nycb-shrank-flagstar-new-servicing-incentives-from-fha</link>
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