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    <item>
      <title>Seasonal Slowdown Hits Ginnie Issuance in First Quarter</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Ginnie Mae MBS issuance declined 10.7% in the first quarter of 2026 due to a seasonal slowdown in purchase lending. Refinance activity held steady, helped by FHA business. (Includes four data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237173</guid>
      <pubDate>Fri, 10 Apr 2026 15:15:36 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237173-seasonal-slowdown-for-ginnie-issuance-in-1q</link>
    </item>
    <item>
      <title>Correspondent Share of FHA, VA Lending Increases in 2025</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Among a large group of lenders, the correspondent channel accounted for a 38.0% share of government-insured originations in 2025, up from a 34.5% share in 2024. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237064</guid>
      <pubDate>Fri, 27 Mar 2026 15:50:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237064-uwm-drove-govt-broker-channel-boom-in-4q</link>
    </item>
    <item>
      <title>HECM Endorsements Tick Up in 2025</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Endorsements of home equity conversion mortgages increased by 3.2% on an annual basis in 2025, even with four consecutive quarterly declines since the fourth quarter of 2024. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237041</guid>
      <pubDate>Fri, 27 Mar 2026 15:45:32 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237041-hecm-markets-strong-year-slid-in-4q</link>
    </item>
    <item>
      <title>Ginnie Servicers Nearing DQ Ceiling Face Elevated Buyouts</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Servicers of government loans in Ginnie Mae mortgage-backed securities will need to ramp up buyout activity as delinquencies in their portfolios increase.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237067</guid>
      <pubDate>Fri, 27 Mar 2026 15:44:33 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237067-ginnie-servicers-nearing-dq-ceiling-face-elevated-buyouts</link>
    </item>
    <item>
      <title>Ginnie MBS Withdrawals Hit Three-Year High in 4Q</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Some $87.67 billion of loans were removed from Ginnie Mae mortgage-backed securities during the fourth quarter of 2025, with about 87% of them representing borrower payoffs. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236903</guid>
      <pubDate>Fri, 13 Mar 2026 14:04:28 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236903-ginnie-removals-hit-3-year-peak-in-4q</link>
    </item>
    <item>
      <title>Refis Push Ginnie Issuance Up in November</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[November issuance of Ginnie Mae single-family mortgage-backed securities increased as lower interest rates continued to drive refinance activity. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236136</guid>
      <pubDate>Fri, 12 Dec 2025 14:40:35 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236136-ginnie-november-issuance-kept-riding-refi-wave</link>
    </item>
    <item>
      <title>Ginnie Servicing Balances Up in 3Q, UWM Outshines YoY</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[While most of the top Ginnie Mae servicers reported single-digit portfolio increases in the second quarter, United Wholesale Mortgage’s Ginnie servicing volume increased a whopping 87.8% year over year. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235625</guid>
      <pubDate>Fri, 17 Oct 2025 14:32:54 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235625-wells-fargos-ginnie-issuance-continues-to-shrink-in-3q</link>
    </item>
    <item>
      <title>VA Refi Denials Decline in 2024 Amid Surge in Applications</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The denial rate for VA home loan refinances fell sharply between 2023 and 2024, at the same time VA refi applications doubled, according to a new analysis by <em>Inside FHA/VA Lending</em>. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234384</guid>
      <pubDate>Fri, 30 May 2025 12:50:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234384-va-refi-denials-plummeted-in-2024</link>
    </item>
    <item>
      <title>Veterans United Correspondent Sales Weakened in 2024</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Veterans United Home Loans saw a sharp decline in correspondent sales of government-backed loans in 2024, while volume at Guild Mortgage and Rate surged. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234294</guid>
      <pubDate>Fri, 16 May 2025 12:06:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234294-veterans-united-correspondent-sales-weakened-in-2024</link>
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    <item>
      <title>PennyMac Expects FHA Servicing Changes to Spur EBOs</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The recent tightening of FHA loss-mitigation options will likely lead to more early loan buyouts, which PennyMac CEO David Spector sees, at the very least, as a net neutral development for the business.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234109</guid>
      <pubDate>Fri, 02 May 2025 15:14:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234109-pennymac-expects-fha-servicing-changes-to-spur-ebos</link>
    </item>
    <item>
      <title>Correspondents Recapture Government Lending Share</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[In the fourth quarter of 2024, correspondent aggregators regained FHA/VA market share previously lost to wholesale-brokers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233796</guid>
      <pubDate>Fri, 21 Mar 2025 12:32:44 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233796-correspondents-recapture-government-lending-share</link>
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    <item>
      <title>Ginnie Issuance Continues Tanking After November Peak</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[The Ginnie Mae market continued to retreat in February. Most securitizers lost volume and PennyMac retained its top spot despite a 29.4% decline in issuance volume. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233666</guid>
      <pubDate>Fri, 07 Mar 2025 14:41:04 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233666-ginnie-issuance-continues-tanking</link>
    </item>
    <item>
      <title>Loan Removals From Ginnie MBS Sharply Up in 2024 </title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Some $202.78 billion of loans were removed from Ginnie Mae MBS last year, with about 88% of them representing borrower payoffs. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233541</guid>
      <pubDate>Fri, 21 Feb 2025 13:05:52 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233541-loan-removals-from-ginnie-mbs-sharply-up-in-2024</link>
    </item>
    <item>
      <title>HECM Endorsements Level in Third Quarter, FoA Slides</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Endorsement activity involving traditional HECMs declined slightly and production of HECMs for home purchase increased during the third quarter. Mutual of Omaha remained the top HECM lender. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232993</guid>
      <pubDate>Fri, 20 Dec 2024 15:18:09 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232993-hecm-endorsements-level-in-third-quarter-foa-slides</link>
    </item>
    <item>
      <title>Third-Party Lending Share Shifts in Third Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Among a large group of FHA/VA lenders, the broker channel accounted for 24.8% of government-insured originations in the third quarter. UWM and PennyMac sharply increased their broker volume in the quarter. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233014</guid>
      <pubDate>Fri, 20 Dec 2024 15:15:11 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233014-third-party-lending-share-shifts-in-third-quarter</link>
    </item>
    <item>
      <title>Veterans United Boosts Its Correspondent Sales in 2023</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Correspondent sales of government-insured mortgages originated during 2023 declined somewhat on an annual basis, but Veterans United upped its sales by 7.3%. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230979</guid>
      <pubDate>Fri, 10 May 2024 13:16:53 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230979-veterans-united-tops-gov-insured-correspondent-sellers</link>
    </item>
    <item>
      <title>Ginnie MBS Issuance Off to A Slow Start in Early 2024</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Total issuance of Ginnie Mae mortgage-backed securities declined slightly during the first quarter of this year. Still, volume was up sharply from the first three months of 2023. (Includes four data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230722</guid>
      <pubDate>Fri, 12 Apr 2024 16:56:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230722-ginnie-issuance-dips-in-the-first-quarter</link>
    </item>
    <item>
      <title>HECM Lending Continues to Slide in Fourth Quarter</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[For the full year, $14.78 billion in home equity conversion mortgages were originated in 2023, down 50.2% from 2022. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230598</guid>
      <pubDate>Fri, 29 Mar 2024 12:06:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230598-hecm-lending-continues-to-slide-in-4q23</link>
    </item>
    <item>
      <title>RHS Guarantees $1.26B in SFH Loans in Fourth Quarter</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Loans to communities ranked with a high social vulnerability index made up roughly 22% of Rural Housing Service-guaranteed single-family home loans in the fourth quarter of 2023. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230211</guid>
      <pubDate>Fri, 16 Feb 2024 15:08:04 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230211-rhs-guarantees-126b-in-sfh-loans-in-4q23</link>
    </item>
    <item>
      <title>HECM Endorsements Increase in Third Quarter </title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Reverse mortgage lenders funded $3.95 billion in new home equity conversion mortgages in the third quarter, a 17.9% increase from the previous period. Year to date, though, HECM endorsements lagged.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229818</guid>
      <pubDate>Fri, 05 Jan 2024 12:25:45 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229818-hecm-endorsements-increase-in-third-quarter</link>
    </item>
    <item>
      <title>FHA/VA Sectors Gain Market Share in Third Quarter</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Endorsements of FHA and VA insured loans increased by 9.2% in the third quarter while total first-lien originations declined. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229723</guid>
      <pubDate>Fri, 15 Dec 2023 15:59:48 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229723-government-lending-growth-outpaces-overall-3q-movement</link>
    </item>
    <item>
      <title>Ginnie Issuance Continues to Decline in November</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Some $30.43 billion in Ginnie Mae mortgage-backed securities was issued last month. FHA volume held up better than VA activity. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229727</guid>
      <pubDate>Fri, 15 Dec 2023 15:57:49 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229727-ginnie-issuance-continues-to-decline-in-november</link>
    </item>
    <item>
      <title>MMIF Healthy; Lenders Call for End to Life-of-Loan Policy</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[With a healthy reading on FHA’s Mutual Mortgage Insurance Fund, lender trade groups want further changes to FHA’s mortgage insurance premium policy. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229494</guid>
      <pubDate>Fri, 17 Nov 2023 16:11:11 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229494-industry-pleased-with-fy23-fha-mmif-performance</link>
    </item>
    <item>
      <title>Brokers Boost Share in Government Originations</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Government-insured mortgage originations grew across all three lending channels in the second quarter, with brokers gaining market share from the correspondent channel. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228968</guid>
      <pubDate>Fri, 22 Sep 2023 15:38:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228968-correspondent-channel-tops-share-of-2q-government-originations</link>
    </item>
    <item>
      <title>Some Variation in Ginnie Loan Removal Activity</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Loan removals from Ginnie MBS increased in the second quarter of 2023. Removals are largely tied to loan payoffs, though there are some variations among servicers. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228728</guid>
      <pubDate>Fri, 25 Aug 2023 09:15:15 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228728-some-variation-in-ginnie-loan-removal-activity</link>
    </item>
    <item>
      <title>Ginnie Issuance Increases After Two-Year Slide</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[After falling below $100 billion in each of the previous two periods, Ginnie Mae issuance turned a corner in the second quarter. But volume is still far off the numbers for most of the past four years. (Includes four data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228342</guid>
      <pubDate>Fri, 14 Jul 2023 13:10:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228342-2q-ginnie-issuance-up-after-long-stretch-of-declines</link>
    </item>
    <item>
      <title>Veterans United Tops Correspondent Sellers in 2022</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Correspondent sales of government-insured loans declined by 28.6% on an annual basis in 2022, though Veterans United boosted its sales by 13.8%. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227730</guid>
      <pubDate>Fri, 05 May 2023 15:56:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227730-veterans-united-home-loans-tops-correspondent-sellers-in-2022</link>
    </item>
    <item>
      <title>Ginnie Loan Removals Subdued in First Quarter</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[Loan removals from Ginnie Mae MBS fell to their lowest point in at least four years as payoffs, defaults and loss mitigation all ebbed in the first quarter of 2023. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227742</guid>
      <pubDate>Fri, 05 May 2023 15:49:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227742-ginnie-loan-removals-subdued-in-first-quarter</link>
    </item>
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      <title>HECM Production Slumps Near End of Banner Year</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[The reverse-mortgage market was virtually glowing last year, with production increasing 24.6% to a whopping $29.65 billion. But much of that activity was front-loaded in the first six months. (Includes three data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227360</guid>
      <pubDate>Fri, 24 Mar 2023 11:58:52 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227360-hecm-volume-rises-for-full-year-22</link>
    </item>
    <item>
      <title>Brokers Gain Market Share in Government-Insured Lending</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[FHA/VA originations decreased in the second quarter though lending was up in the broker channel. PennyMac, the top government loan originator, saw declines across all three production channels. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225826</guid>
      <pubDate>Fri, 30 Sep 2022 14:15:16 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225826-brokers-gain-among-government-channels-in-years-first-half</link>
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