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    <title>Repurchases</title>
    <description>
      <![CDATA[Description+goes+here]]>
    </description>
    <link>https://www.insidemortgagefinance.com/rss</link>
    <language>en-us</language>
    <item>
      <title>Appraisal Reviews Help Lenders Avoid Buybacks</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Lenders are ultimately responsible for the quality and accuracy of appraisals. That means their quality control teams need to review every appraisal to preserve rep-and-warrant protection.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236320</guid>
      <pubDate>Fri, 09 Jan 2026 11:14:21 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236320-appraisal-reviews-help-avoid-buybacks</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>Bank Mortgage Repurchases Decline in Third Quarter</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[The dollar volume of mortgage repurchases by banks declined by 5.4% on a sequential basis during the third quarter. Western Alliance Bank led in loan removals for the second straight quarter. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236067</guid>
      <pubDate>Fri, 05 Dec 2025 12:10:16 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236067-bank-mortgage-repurchases-decline-in-third-quarter</link>
    </item>
    <item>
      <title>Repurchases by Banks Surge in Second Quarter</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Repurchases and indemnifications increased by more than 30% on a sequential basis during the second quarter. Through the first six months of the year, buyback activity was essentially level compared with the first half of 2024. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235324</guid>
      <pubDate>Fri, 12 Sep 2025 12:04:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235324-repurchases-by-banks-surge-in-second-quarter</link>
    </item>
    <item>
      <title>Repurchases By Banks Decline in First Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Some 82 banks and thrifts completed repurchases and indemnifications of residential mortgages during the first quarter of 2025. Repurchase volume was down 16.3% compared with the previous quarter. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234605</guid>
      <pubDate>Fri, 20 Jun 2025 11:18:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234605-repurchases-by-banks-decline-in-first-quarter</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>
    </item>
    <item>
      <title>Mortgage Repurchases by Banks and Thrifts Up in 4Q</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[For the full year, though, total bank repurchases declined to $1.02 billion, down 23.8% from 2023. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233716</guid>
      <pubDate>Fri, 14 Mar 2025 11:40:17 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233716-mortgage-repurchases-by-bank-and-thrift-up-in-4q24</link>
    </item>
    <item>
      <title>Fannie Outlines the Trends in Loan Defects in 2024</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Homebuyers appear to have become a little less honest in their loan applications. Lender beware!]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233432</guid>
      <pubDate>Fri, 14 Feb 2025 13:05:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233432-evolution-of-loan-defects-in-2024</link>
    </item>
    <item>
      <title>Bank Repurchases Decline Again in Third Quarter</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Commercial banks and savings institutions reported another decline in the volume of mortgages they repurchased in the third quarter of 2024. PNC Bank accounted for the largest chunk of the bank industry’s repurchases, at 11.3%.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233104</guid>
      <pubDate>Fri, 03 Jan 2025 14:07:36 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233104-bank-repurchases-decline-again-in-third-quarter</link>
    </item>
    <item>
      <title>Bank Repurchases Down Sharply in Second Quarter</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage repurchases by banks and thrifts during the second quarter were the lowest since before the 2008 financial crisis, according to a new <em>Inside Mortgage Trends</em> analysis of call-report data. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232052</guid>
      <pubDate>Fri, 06 Sep 2024 12:57:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232052-bank-repurchases-down-sharply-in-second-quarter</link>
    </item>
    <item>
      <title>Grapevine: Lenders Meeting Borrower Expectations; Rates Too High</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The mortgage process met or exceeded the expectations of many homebuyers; interest rates look to be too high for potential homebuyers; the defect rate on mortgages declined again; tech vendor raises $19 million; Altisource Asset Management exits mortgage market.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230665</guid>
      <pubDate>Fri, 05 Apr 2024 14:43:49 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230665-grapevine-lenders-meeting-homebuyers-expectations-limited-demand</link>
    </item>
    <item>
      <title>Grapevine: Lenders Boost Use of RON; Rep-and-Warrant Coverage</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Lenders look to remote online notarization; Ocrolus offers rep-and-warrant coverage for income calculations; ICE offers tool to facilitate reconsiderations of appraisals; Planet Home launches products to help borrowers compete with cash offers; property insurance costs rise nearly 20%; Flagstar plans tech accelerator program; disconnect on homebuyers’ plans and saving for a downpayment.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230550</guid>
      <pubDate>Fri, 22 Mar 2024 14:22:26 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230550-grapevine-lenders-increasing-use-of-ron-rep-and-warrant-coverage</link>
    </item>
    <item>
      <title>Loan Repurchases by Banks Dwindle in Third Quarter </title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Repurchase and indemnification activity at banks and thrifts in the third quarter was the lowest since at least the second quarter of 2016. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229759</guid>
      <pubDate>Fri, 22 Dec 2023 11:07:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229759-bank-repurchases-decline-in-3q</link>
    </item>
    <item>
      <title>Mortgage Fraud Risk Declines in 2023</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Increased screening during underwriting helped mortgage fraud risk decline 3.1% compared to last year, according to CoreLogic.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229156</guid>
      <pubDate>Fri, 13 Oct 2023 16:10:12 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229156-mortgage-fraud-risk-is-on-the-decline-in-2023</link>
    </item>
    <item>
      <title>Bank Repurchase Activity Slowed in First Half of 2023</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Commercial banks reported a slight sequential increase in repurchases in the second quarter. But at the midway point this year, buybacks were down sharply compared to the first half of last year. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228869</guid>
      <pubDate>Fri, 15 Sep 2023 12:33:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228869-bank-repurchase-activity-slowed-in-first-half-of-2023</link>
    </item>
    <item>
      <title>Attorney Provides Strategies to Avoid Repurchase Requests </title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[James Brody, a senior litigation partner at Garris Horn, provided strategies lenders could use to avoid repurchase demands, which included negotiating contract terms, diversifying their investor deck and outsourcing underwriting.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228783</guid>
      <pubDate>Fri, 01 Sep 2023 11:08:15 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228783-litigator-says-to-prevent-buybacks-scrutinize-your-mlpas</link>
    </item>
    <item>
      <title>Black Lives Matter and Racial Lending Disparities</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Community awareness of and reckoning with systemic racism following the BLM protests in 2020 appears to have led lenders to reduce the interest rate gap between Black and white borrowers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228648</guid>
      <pubDate>Fri, 18 Aug 2023 13:41:59 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228648-black-lives-matter-movement-reduces-racial-lending-disparities</link>
    </item>
    <item>
      <title>Repurchase Activity at Banks Level in Early 2023</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[There was no surge in buyback activity at banks and thrifts in the first quarter. And the depositories aren’t expecting a deluge as reserves for repurchases declined. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228175</guid>
      <pubDate>Fri, 23 Jun 2023 15:04:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228175-repurchase-activity-at-banks-level-in-early-2023</link>
    </item>
    <item>
      <title>Bank Repurchases of Mortgages Slow in Fourth Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage repurchases by banks declined by 27% during the fourth quarter. Reserves tied to repurchases increased, suggesting that mortgage buybacks could go back up in 2023. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227266</guid>
      <pubDate>Fri, 17 Mar 2023 12:09:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227266-bank-repurchases-of-mortgages-slow-in-fourth-quarter</link>
    </item>
    <item>
      <title>Lenders Charge for Unobservable Risks</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHFA economists suggest originators may have better pricing technology than Fannie and Freddie.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227254</guid>
      <pubDate>Fri, 17 Mar 2023 12:07:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227254-lenders-charge-for-unobservable-risks</link>
    </item>
    <item>
      <title>Bank Mortgage Repurchases Decline in the Third Quarter </title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Wells Fargo and PNC Bank posted sharp declines in repurchases from the second quarter, though their year-to-date volumes were up from the first nine months of 2021. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226524</guid>
      <pubDate>Fri, 16 Dec 2022 12:06:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226524-bank-mortgage-repurchases-decline-in-the-third-quarter</link>
    </item>
    <item>
      <title>Bank Repurchases Bounce Back in Second Quarter</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Repurchase activity at banks and thrifts increased sharply during the second quarter. PNC Bank overtook JPMorgan Chase to lead the industry in buybacks. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225724</guid>
      <pubDate>Fri, 23 Sep 2022 10:53:26 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225724-bank-repurchases-bounce-back-in-second-quarter</link>
    </item>
    <item>
      <title>Ginnie Leads Agency MBS Default Rate Up in 2Q22</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[The overall delinquency rate in agency MBS inched up to 1.97% at the end of June. All of the increase in late payments was seen in the Ginnie Mae program. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225354</guid>
      <pubDate>Fri, 12 Aug 2022 12:56:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225354-ginnie-leads-agency-mbs-default-rates-up-in-2q22</link>
    </item>
    <item>
      <title>Bank Buybacks Declined in 1Q22, Lender Trends Varied</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Overall, banks and thrifts reported a decline in the volume of mortgage repurchases and indemnifications made during the first quarter, but most major institutions saw increases. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224997</guid>
      <pubDate>Fri, 01 Jul 2022 10:05:23 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224997-bank-buybacks-declined-in-1q22-lender-trends-varied</link>
    </item>
    <item>
      <title>Bank Repurchases Spike in 4Q21 But Down for Full Year </title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Banks and thrifts reported a 10.6% sequential increase in the volume of mortgages they repurchased in the fourth quarter of 2021. But for the full year, buybacks trended down. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223982</guid>
      <pubDate>Fri, 11 Mar 2022 09:58:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223982-bank-repurchases-spike-in-4q21-but-down-for-full-year</link>
    </item>
    <item>
      <title>Banks Report 3Q21 Decline in Repurchases and Reserves</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Call-report data show bank mortgage repurchases fell 9.4% in the third quarter. However, GSE buyback volume continued to climb. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223215</guid>
      <pubDate>Fri, 10 Dec 2021 14:25:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223215-banks-report-3q21-decline-in-repurchases-and-reserves</link>
    </item>
    <item>
      <title>Lender Facing Loss After Setback in Appraisal Lawsuit</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[An appraisal company failed to note that improvements to a refinanced property happened to encroach on neighboring land, but the lender, First Community Mortgage, couldn’t pin losses on the appraiser.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223223</guid>
      <pubDate>Fri, 10 Dec 2021 14:09:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223223-lender-faces-loss-following-dispute-with-appraisal-company</link>
    </item>
    <item>
      <title>Bank Mortgage Repurchases Drop in 2Q21, Reports Show</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[A sharp drop in bank mortgage repurchases from the first to the second quarter was due mostly to one institution: USAA Federal Savings Bank. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222456</guid>
      <pubDate>Fri, 17 Sep 2021 14:11:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222456-bank-mortgage-repurchases-drop-in-2q21-reports-show</link>
    </item>
    <item>
      <title>Repurchases Spike Higher in Bank Mortgage Bank Units</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Most of the industry's big increase in first-quarter repurchases came from USAA Federal Savings Bank. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/221603</guid>
      <pubDate>Fri, 11 Jun 2021 11:11:19 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/221603-repurchases-spike-higher-in-bank-mortgage-bank-units</link>
    </item>
    <item>
      <title>GSE Seller Repurchases Rise in Gusher of MBS Issuance</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Although seller buybacks from Fannie/Freddie MBS trusts rose sharply in the first quarter, they still account for a miniscule share of total GSE business.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/221472</guid>
      <pubDate>Fri, 28 May 2021 09:06:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/221472-gse-seller-repurchases-rise-in-gusher-of-mbs-issuance</link>
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