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    <title>Data</title>
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      <![CDATA[Description+goes+here]]>
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    <item>
      <title>Purchase-Mortgage Volume Plods Along in Agency Market</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Deliveries of purchase mortgages to agency MBS were essentially level in the first quarter of 2026 compared with the first quarter of 2025. Refi business remained elevated. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237136</guid>
      <pubDate>Thu, 09 Apr 2026 11:56:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237136-purchase-mortgage-volume-plods-along-in-agency-market</link>
    </item>
    <item>
      <title>Warehouse Lending Elevated Ahead of March Disruption</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Warehouse borrowing capacity increased by 15.7% on an annual basis in 2025. And then interest rates on mortgages spiked in March. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237137</guid>
      <pubDate>Thu, 09 Apr 2026 11:50:44 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237137-warehouse-lending-elevated-ahead-of-march-disruption</link>
    </item>
    <item>
      <title>Big Shifts in Subservicing in 2025, More in the Works</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Rocket is now the largest subservicer in the industry. Pennymac is poised to acquire Cenlar, the second-largest subservicer. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236957</guid>
      <pubDate>Thu, 19 Mar 2026 13:54:04 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236957-big-shifts-in-subservicing-in-2025-more-in-the-works</link>
    </item>
    <item>
      <title>Study of VantageScore Renews the Tri-Merge Debate</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Looking at VantageScore 4.0 data provided by the three national credit reporting agencies, researchers found that 18% of consumers had one or more scores that was at least 20 points higher than the tri-merge average.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236772</guid>
      <pubDate>Thu, 26 Feb 2026 12:03:10 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236772-renewing-the-tri-score-debate</link>
    </item>
    <item>
      <title>Large Servicers See Sharp Increase in Delinquencies</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Delinquencies continue to rise but industry participants stress there’s no cause for concern. They pointed to a change in FHA loss-mitigation policies during the fourth quarter and “market recalibration.”&nbsp;<span style=" font-style: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; widows: 2; word-spacing: 0px; display: inline !important; float: none;">(Includes two data tables.)</span>
]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236698</guid>
      <pubDate>Thu, 19 Feb 2026 11:56:10 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236698-large-servicers-see-sharp-increase-in-delinquencies</link>
    </item>
    <item>
      <title>Home Equity Lending Continues Upward Climb in Third Quarter</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Originations of home equity lines of credit and closed-end second liens continued to increase during the third quarter of 2025 but at a slower pace than in the previous quarter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236285</guid>
      <pubDate>Fri, 02 Jan 2026 09:10:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236285-home-equity-lending-continues-upward-climb-in-third-quarter</link>
    </item>
    <item>
      <title>Top Tier Lenders Expand Share of Originations in 3Q</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[First-lien originations declined from the second quarter to the third, but the top five lenders boosted their share of production.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236286</guid>
      <pubDate>Fri, 02 Jan 2026 09:09:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236286-top-tier-lenders-expand-share-of-originations-in-3q</link>
    </item>
    <item>
      <title>Ginnie Servicing Share Ticks Up Again in Third Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Mortgages tied to Ginnie Mae accounted for 18.3% of total servicing outstanding at the end of September. Some servicing share shifted away from the GSEs, though Fannie and Freddie still dominate. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236177</guid>
      <pubDate>Thu, 18 Dec 2025 11:59:03 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236177-ginnie-servicing-share-ticks-up-again-in-third-quarter</link>
    </item>
    <item>
      <title>Warehouse Lending Commitments Up Slightly in 3Q</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Refi originations push warehouse lending commitments up during the third quarter. On an annual basis, commitments were up 11.1%, with a handful of warehouse lenders putting a strong emphasis on the business. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236179</guid>
      <pubDate>Thu, 18 Dec 2025 11:57:03 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236179-warehouse-lending-commitments-up-slightly-in-3q</link>
    </item>
    <item>
      <title>Ginnie Provides All the 3Q Gain in Agency Servicing</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[There was nearly $2 trillion in agency mortgage servicing with coupons over 6% at the end of the third quarter, a bounty of refinance business if mortgage interest rates decline. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235606</guid>
      <pubDate>Thu, 16 Oct 2025 12:14:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235606-ginnie-provides-all-the-3q25-gain-in-agency-servicing</link>
    </item>
    <item>
      <title>Hiring by Nonbank Lenders Tepid</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Nonbanks aren’t exactly in a rush to hire new workers these days even though conventional rates are the lowest they’ve been in almost a year.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235303</guid>
      <pubDate>Thu, 11 Sep 2025 12:39:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235303-of-lower-rates-and-imb-hiring-not-there-yet</link>
    </item>
    <item>
      <title>Some Red Ink for MBA in 2024 Along With Asset Growth</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association was not immune from the cyclical nature of residential lending in 2024. Then again, its financial results could have been a lot worse.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235240</guid>
      <pubDate>Thu, 04 Sep 2025 12:30:53 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235240-some-red-ink-for-mba-but-asset-growth-too</link>
    </item>
    <item>
      <title>Delinquencies Increase at Large Servicers in Second Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The total delinquency rate among large servicers increased by 11 basis points during the second quarter of 2025. The reading was down compared with June 2024, though delinquencies look poised for further increases. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235122</guid>
      <pubDate>Thu, 21 Aug 2025 12:00:35 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235122-delinquencies-increase-at-large-servicers-in-second-quarter</link>
    </item>
    <item>
      <title>Hard to Predict Outlook for Mortgage Hiring</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage hiring moved forward in June but not by much amid uncertainty on the outlook for interest rates.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235005</guid>
      <pubDate>Thu, 07 Aug 2025 12:04:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235005-outlook-for-mortgage-hiring-hard-to-say</link>
    </item>
    <item>
      <title>New Credit Score Models Come With Complications</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[New credit score data, such as rent payment history and bank account cash flows, may benefit some mortgage borrowers, but the new elements could also cause some problems.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234923</guid>
      <pubDate>Thu, 31 Jul 2025 12:06:15 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234923-mortgages-and-the-future-of-credit-scores</link>
    </item>
    <item>
      <title>Democrats Seek to Reform Appraisal Process</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[A new bill seeks to require FHFA to create a public database of information on all mortgage appraisals. The proposal comes as the Trump administration disbanded the Biden-era task force created to address appraisal bias.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234869</guid>
      <pubDate>Thu, 24 Jul 2025 12:02:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234869-a-new-twist-on-appraisal-reform</link>
    </item>
    <item>
      <title>Large Lenders, Nonbanks Increase Market Share in 1Q</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The nonbank share of total originations increased from 65.2% in 2024 to 66.4% in the first quarter of 2025. Four of the five largest lenders in the residential mortgage market are nonbanks. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234635</guid>
      <pubDate>Thu, 26 Jun 2025 12:09:52 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234635-large-lenders-nonbanks-increase-market-share-in-1q</link>
    </item>
    <item>
      <title>Palantir to Power Fraud Detection Initiative at Fannie</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The effort will start with new multifamily mortgages and could be expanded to single-family mortgages and to Freddie Mac.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234398</guid>
      <pubDate>Thu, 29 May 2025 11:56:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234398-palantir-ai-to-power-fannie-fraud-prevention</link>
    </item>
    <item>
      <title>A Mixed Bag for Mortgage CEO Pay</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage CEO pay increased at many shops last year but the devil is in the details. Some executives took home mostly cash while others received mostly stock awards.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234142</guid>
      <pubDate>Thu, 01 May 2025 12:18:19 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234142-a-mixed-bag-for-mortgage-ceo-pay</link>
    </item>
    <item>
      <title>Nonbanks Boost Share of Mortgage Originations in 2024</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Nonbanks accounted for 65.2% of the residential mortgages originated in 2024. All of the top five lenders were nonbanks and they all gained market share. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233966</guid>
      <pubDate>Thu, 10 Apr 2025 12:05:29 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233966-nonbanks-boost-share-of-mortgage-originations-in-2024</link>
    </item>
    <item>
      <title>Nonbanks Regain Origination Market Share in Third Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[After noting a decline in market share during the second quarter, nonbanks increased their share of originations to 65.5% in the third quarter. The increase was driven by the largest nonbanks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233058</guid>
      <pubDate>Thu, 02 Jan 2025 12:00:30 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233058-nonbanks-regain-origination-market-share-in-third-quarter</link>
    </item>
    <item>
      <title>Little Differences Between FICO and VantageScore</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Despite a lack of historical data on FICO 10 T, Urban Institute researchers find positive signs that the shift away from Classic FICO to VantageScore 4.0 and FICO 10 T will not dramatically impact loan performance.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233034</guid>
      <pubDate>Thu, 02 Jan 2025 11:54:34 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233034-comparing-fico-and-vantagescore</link>
    </item>
    <item>
      <title>Home Equity Lending Steady in Third Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[There’s plenty of home equity available to homeowners but interest rates are constraining originations of home equity loans. Banks remained the top three originators of home equity loans in the third quarter. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232976</guid>
      <pubDate>Thu, 19 Dec 2024 12:00:06 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232976-home-equity-lending-steady-in-third-quarter</link>
    </item>
    <item>
      <title>Signs of Life in Warehouse Sector as Flagstar Disappears</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[As nonbanks go, so goes the warehouse lending sector. Commitment levels are rising but higher interest rates could cause some turbulence in the months ahead. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232922</guid>
      <pubDate>Thu, 12 Dec 2024 11:56:08 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232922-signs-of-life-in-warehouse-sector-as-flagstar-disappears</link>
    </item>
    <item>
      <title>Cloudy Outlook for Lenders Hiring, LO Commissions</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[It’s never too early to assess hiring plans for a new year. But this time around, it’s a bit trickier given a new power base in Washington and the prospect for higher interest rates.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232795</guid>
      <pubDate>Wed, 27 Nov 2024 11:38:27 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232795-lo-commissions-under-pressure-hiring-careful</link>
    </item>
    <item>
      <title>Growing: MSRs as a Percentage of Nonbank Assets</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Increasingly, nonbanks have a large chunk of their assets tied up in mortgage servicing rights — some more than others. Is that a problem? (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232745</guid>
      <pubDate>Thu, 21 Nov 2024 11:16:43 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232745-growing-msrs-as-a-of-nonbank-assets</link>
    </item>
    <item>
      <title>Primary MI Activity Up in 3Q, Purchase Mortgages Lag</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Purchase mortgages and refis increased across the board in the agency MBS market in the third quarter, with the strongest growth seen in refis that carried primary mortgage insurance. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232382</guid>
      <pubDate>Thu, 17 Oct 2024 12:08:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232382-primary-mi-activity-up-in-3q-purchase-mortgages-lag</link>
    </item>
    <item>
      <title>IPO Window for Nonbank Mortgage Companies Could Reopen</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Nonbanks are making money once again, which could pave the way for new nonbank IPOs. Also, some of the IPO class of 2020/2021 are trading above their out-of-the-gate prices.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232020</guid>
      <pubDate>Thu, 05 Sep 2024 11:57:57 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232020-might-an-ipo-window-finally-open</link>
    </item>
    <item>
      <title>GSE Profits Slow to Respond to Market Improvement</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Second-quarter acquisitions increased at the government-sponsored enterprises, but profits remained stable as credit reserves shifted.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231725</guid>
      <pubDate>Thu, 01 Aug 2024 12:14:21 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231725-gse-profits-slow-to-respond-to-market-improvement</link>
    </item>
    <item>
      <title>Mortgage Hiring? Advantage Loan Brokers </title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[The future looks somewhat positive for loan brokers, but not so for mortgage bankers. Not surprising given production trends, but a Fed rate cut in the fall could change the hiring equation.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231499</guid>
      <pubDate>Thu, 11 Jul 2024 12:05:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231499-mortgage-hiring-advantage-loan-brokers</link>
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