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    <title>VA</title>
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      <![CDATA[Description+goes+here]]>
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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>VA Targets June Rollout of Partial Claims</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[VA is aiming to roll out its partial claim program in June. The agency is also open to revising its appraisal standards.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237069</guid>
      <pubDate>Fri, 27 Mar 2026 15:48:31 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237069-va-targets-june-rollout-of-partial-claims</link>
    </item>
    <item>
      <title>Trump Directive Encourages FHA, VA Appraisal Alignment</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Executive orders from President Trump aiming to address housing supply and affordability include many FHA and VA provisions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237047</guid>
      <pubDate>Fri, 27 Mar 2026 15:42:34 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237047-trump-housing-directive-encourages-fha-va-appraisal-alignment</link>
    </item>
    <item>
      <title>MBA Calls for Flexibility on VA Fee Documentation</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The granular fee documentation requirements VA imposes on lenders are inconsistent with how some services are priced, according to the Mortgage Bankers Association.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237024</guid>
      <pubDate>Fri, 27 Mar 2026 15:40:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237024-mba-calls-for-flexibility-on-va-fee-documentation</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>Gen Z Veterans Drive VA Purchase Lending Up</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Younger borrowers are behind much of the growth of VA purchase mortgages, according to an analysis by Veterans United.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236155</guid>
      <pubDate>Fri, 12 Dec 2025 14:32:43 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236155-gen-z-veterans-drive-va-purchase-growth-veterans-united</link>
    </item>
    <item>
      <title>Refi Share of VA Volume Declines in Third Quarter</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The refinance share of VA loan endorsements shrank in the third quarter, despite falling interest rates. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236015</guid>
      <pubDate>Wed, 26 Nov 2025 11:54:05 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236015-va-refi-share-shrank-in-3q</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 Originations Down in 1Q as Refi Activity Falls Hard</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Refi activity in the VA market cooled during the first quarter of 2025 and purchase-mortgage volume was also down. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234666</guid>
      <pubDate>Fri, 27 Jun 2025 14:30:54 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234666-1q-va-originations-climbed-yoy</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>Bill to Establish VA Partial Claims Moves Forward</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The House Veterans’ Affairs Committee forwarded a partial claims bill to Congress, but committee members warned that tens of thousands of veteran borrowers are facing foreclosure in the meantime.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234261</guid>
      <pubDate>Fri, 16 May 2025 12:12:04 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234261-va-partial-claims-bill-advances-while-veterans-face-foreclosure</link>
    </item>
    <item>
      <title>MBA Pushes Regulatory Changes at FHA, VA</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association is seeking rollbacks and revisions of FHA and VA regulations that the trade group sees as burdensome.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234287</guid>
      <pubDate>Fri, 16 May 2025 12:08:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234287-mba-pushes-omb-for-fha-va-deregulation</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>
    </item>
    <item>
      <title>FHA, VA Functioning Despite Dire Warnings</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Sharp staff cuts at FHA, VA and Ginnie Mae could lead to major problems for mortgage lenders and borrowers, according to analysts. But for now it appears to be business as usual for originations and servicing.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233640</guid>
      <pubDate>Fri, 07 Mar 2025 14:40:05 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233640-fha-va-functioning-despite-dire-warnings</link>
    </item>
    <item>
      <title>FHA Servicing Under Pressure; VA Foreclosures Resume</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Delinquencies on FHA mortgages are rising much more quickly than delinquencies on conventional mortgages, though large FHA servicers don’t appear to be too concerned. Meanwhile, VA foreclosures resumed in January after a moratorium ended.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233656</guid>
      <pubDate>Fri, 07 Mar 2025 14:39:06 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233656-fha-servicing-under-pressure-va-foreclosures-resume</link>
    </item>
    <item>
      <title>VA Refi Demand Spikes on Interest Rate Decline</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The average interest rate on a 30-year fixed-rate VA mortgage declined from 6.417% on Feb. 20 to 6.094% on Feb. 28.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233660</guid>
      <pubDate>Fri, 07 Mar 2025 14:36:09 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233660-va-refi-demand-spikes-on-interest-rate-decline</link>
    </item>
    <item>
      <title>PHH Loosens Standards for Streamlined FHA, VA Refis</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The correspondent lender has removed certain overlays on streamlined refinance programs at FHA and VA. Newrez, meanwhile, added some overlays.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233663</guid>
      <pubDate>Fri, 07 Mar 2025 14:35:12 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233663-phh-lossens-standards-for-streamlined-fha-va-refis</link>
    </item>
    <item>
      <title>Refi Recovery Lifts VA Volume; FHA Data AWOL</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[Refinance mortgages, especially streamlined refis, came roaring back, lifting 2024 VA lending volume by a sharp 28.5%. FHA volume is estimated to have risen 14.3%. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233537</guid>
      <pubDate>Fri, 21 Feb 2025 13:08:35 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233537-refi-recovery-lifts-va-volume-fha-data-awol</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>Confusion Following Trump’s Attempted Funding Pause</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The pause was ultimately rescinded following court injunctions. In the meantime, participants in government-insured mortgage programs faced uncertainty.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233403</guid>
      <pubDate>Fri, 07 Feb 2025 11:55:26 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233403-confusion-following-trumps-funding-pause</link>
    </item>
    <item>
      <title>Industry Asks VA to Provide More Time for API Mandates</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[VA is considering a rule that would require lenders to use a new application program interface to report loan information and remit funding fees to the agency. It also plans to rewrite rules regarding when VA would assert a defense for a partial or total loss of a guarantee.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233298</guid>
      <pubDate>Fri, 07 Feb 2025 11:54:32 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233298-industry-asks-va-to-provide-more-time-for-api-mandates</link>
    </item>
    <item>
      <title>Around the Industry</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[VA sets return-to-office requirements for employees; Indecomm adds FHA underwriting; RHS interest rates increase; number of downpayment assistance programs grows.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233405</guid>
      <pubDate>Fri, 07 Feb 2025 11:49:37 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233405-around-the-industry</link>
    </item>
    <item>
      <title>VA Loan Fee Hike Extended by New Healthcare Law</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[VA origination fees will stay at elevated levels through mid-2034 rather than coming down near the end of 2031. The extension was prompted by a bill that passed Congress with broad bipartisan support.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233279</guid>
      <pubDate>Fri, 24 Jan 2025 13:04:37 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233279-va-loan-fee-extended-by-new-healthcare-law</link>
    </item>
    <item>
      <title>Around the Industry</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[HUD gets acting secretary; FHA revises qualification requirements for single-family nonprofit program; exemption from hiring freeze excludes VA’s home loans program.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233287</guid>
      <pubDate>Fri, 24 Jan 2025 13:03:39 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233287-around-the-industry</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>House Passes Bill That Would Extend VA Loan Fee Increases</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[The Community Home Lenders of America warned that Congress shouldn’t use federal housing programs to pay for legislation.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232854</guid>
      <pubDate>Fri, 06 Dec 2024 12:42:46 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232854-house-passes-bill-that-would-extend-va-loan-fee-increases</link>
    </item>
    <item>
      <title>Around the Industry</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Chairs of the Senate Veterans Affairs Committee and the Senate Committee on Banking, Housing and Urban Affairs lose re-election bids; HUD announces sale of residential loans on non-vacant properties; FHA issues standards for flood risk management tied to minimum property standards; FHA appraisal data added to Uniform Appraisal Dataset.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232639</guid>
      <pubDate>Fri, 08 Nov 2024 14:13:14 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232639-around-the-industry</link>
    </item>
    <item>
      <title>Mobility Hampers Active-Duty Homeownership</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[Age and mobility account for 73% of the homeownership gap between active-duty servicemembers and the nonmilitary population, according to a recent report from the Urban Institute’s Housing Finance Policy Center.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231462</guid>
      <pubDate>Fri, 05 Jul 2024 14:01:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231462-ui-explores-barriers-to-active-duty-military-homeownership</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>
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