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      <title>Credit Bureaus Slash Price of VantageScore for Mortgages</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The three major consumer reporting agencies are using discounted pricing and other strategies to drive adoption of VantageScore 4.0 among mortgage lenders. The score is the main competitor to FICO.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236905</guid>
      <pubDate>Thu, 12 Mar 2026 11:39:48 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236905-vantagescore-pricing-dips</link>
    </item>
    <item>
      <title>Non-QM Lenders Expect Continued Growth in 2026</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Lenders that focus on non-qualified mortgages are optimistic that originations will continue to increase this year.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236826</guid>
      <pubDate>Thu, 05 Mar 2026 12:05:40 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236826-non-qm-lenders-expect-more-growth-in-2026</link>
    </item>
    <item>
      <title>Lenders Taking Multipronged Approach to Encourage Affordability</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[David Neylan, president and chief operating officer at Guild Mortgage, said there is no quick fix to make homebuying more affordable.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236694</guid>
      <pubDate>Thu, 19 Feb 2026 11:51:20 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236694-lenders-taking-multipronged-approach-to-solve-affordability-issues</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>Agency Jumbo Business Level During Third Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Some $13.26 billion of high-balance mortgages were included in agency MBS issued during the third quarter of 2025. Nine months into the year, agency high-balance sales were down somewhat on an annual basis, with the decline concentrated in sales to the GSEs. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236109</guid>
      <pubDate>Thu, 11 Dec 2025 12:10:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236109-agency-jumbo-business-level-during-third-quarter</link>
    </item>
    <item>
      <title>Lenders Turn to Non-Agency Products</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Lenders are expected to increase production of prime jumbos, non-QMs and home equity loans in the coming year.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235759</guid>
      <pubDate>Thu, 30 Oct 2025 12:05:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235759-lenders-eye-opportunities-in-non-agency-lending-as-originations-plateau</link>
    </item>
    <item>
      <title>Increasing Debt Drives Homeowners to Home Equity Loans</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Homeowners are tapping their equity to pay off consumer credit debt and student loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235492</guid>
      <pubDate>Thu, 02 Oct 2025 11:43:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235492-increasing-debt-creates-new-hel-opportunities-for-lenders</link>
    </item>
    <item>
      <title>Former Mr. Cooper Exec Tapped to Head Acra</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Acra, a top player in the non-qualified mortgage market, has a new CEO, Shawn Stone.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235011</guid>
      <pubDate>Thu, 07 Aug 2025 12:05:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235011-former-mr-cooper-exec-tapped-to-head-acra</link>
    </item>
    <item>
      <title>Acra Lending Looking for New CEO</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Non-QM lender/servicer Acra is in the hunt for a new CEO. Other changes may be in the offing too — as the sale of Acra’s parent, HPS, to BlackRock draws closer.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234332</guid>
      <pubDate>Thu, 22 May 2025 12:04:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234332-changes-afoot-at-ec-lender-servicer-acra</link>
    </item>
    <item>
      <title>Cost of a Wholesale Unit: Just About Zero</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[It’s not every day that an expanded-credit specialist branches out into conventional funding. But that’s what A&D Mortgage is doing via its acquisition of Flagstar’s TPO unit.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233254</guid>
      <pubDate>Thu, 23 Jan 2025 12:05:56 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233254-cost-of-a-wholesale-unit-just-about-zero</link>
    </item>
    <item>
      <title>Acra Unfazed by Departure of Production Employees</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[About 20 wholesale account executives and managers recently left Acra for Champions Funding.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233194</guid>
      <pubDate>Thu, 16 Jan 2025 12:31:29 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233194-acra-unfazed-by-departure-of-production-employees</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>Locks Increase for Purchase Mortgages in October</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Despite a traditional slowing in loan locks in October, Optimal Blue found more demand for nonconforming and FHA loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232664</guid>
      <pubDate>Thu, 14 Nov 2024 13:50:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232664-non-conforming-fha-loans-help-boost-october-lock-volume</link>
    </item>
    <item>
      <title>Parent of Non-QM Lender Acra Considers IPO</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[HPS Investments, which owns nonprime originator/servicer Acra Lending and more, is toying with an IPO. Acra is a small part of what HPS owns, but it would open up the lender to public disclosures.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232474</guid>
      <pubDate>Thu, 24 Oct 2024 12:03:34 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232474-parent-of-non-qm-lender-toys-with-ipo</link>
    </item>
    <item>
      <title>TD Bank Faces Asset Cap; Wells Fargo Looks Forward</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[TD Bank plans to sell some of its jumbo mortgages and a correspondent business to free up asset space under a new cap set by the OCC. Wells Fargo, meanwhile, appears to be nearing a release from its cap.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232389</guid>
      <pubDate>Thu, 17 Oct 2024 12:05:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232389-td-bank-faces-asset-cap-wells-looks-forward</link>
    </item>
    <item>
      <title>Lenders Face Some Uncertainty With GSE Loan Limit</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[It’s possible that some large lenders are offering 2025 conforming loan limits that are higher than where FHFA will set the limits. If that’s the case, there could be complications but no major concerns.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232262</guid>
      <pubDate>Thu, 03 Oct 2024 11:43:27 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232262-lenders-face-some-uncertainty-with-gse-loan-limit</link>
    </item>
    <item>
      <title>Nonbanks Expect Home Equity Lending to Flourish</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Borrower demand for home equity loans is expected to continue even as interest rates decline. Meanwhile, nonbank lenders are working to compete with depository institutions for the production.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232136</guid>
      <pubDate>Thu, 19 Sep 2024 12:28:39 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232136-nonbanks-expect-home-equity-lending-to-flourish</link>
    </item>
    <item>
      <title>Home Equity Investments Offer Vast Potential, Risks</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Home equity investments allow homeowners to receive cash in exchange for a share in home price appreciation. Activity in the sector has grown to the extent that there was a conference dedicated to HEIs last week.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232075</guid>
      <pubDate>Thu, 12 Sep 2024 12:04:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232075-vast-potential-regulatory-risks-for-home-equity-investments</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>Some Shifts in Cash Purchase Activity Among Homebuyers</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Investors are increasingly turning to the mortgage market to fund their home purchases rather than paying all cash.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231640</guid>
      <pubDate>Thu, 25 Jul 2024 10:34:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231640-investors-increasingly-turn-to-financing-for-home-purchases</link>
    </item>
    <item>
      <title>Biden Administration Takes Steps on Affordable Housing</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[The Treasury Department announced $100 million in affordable housing funding, while HUD named recipients of its Pathways to Removing Obstacles to Housing grant competition.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231388</guid>
      <pubDate>Thu, 27 Jun 2024 12:02:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231388-biden-administration-touts-housing-efforts</link>
    </item>
    <item>
      <title>Smaller Investors Using Non-QMs for Home Purchases</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Investor purchases of single-family rentals are on the rise, with many of the new rentals being owned by smaller independent investors.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231398</guid>
      <pubDate>Thu, 27 Jun 2024 12:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231398-mom-and-pop-landlords-increasing-share-of-home-purchases</link>
    </item>
    <item>
      <title>Non-QM Products Gain Popularity Among Lenders</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Non-QM lenders are bullish about the sector’s potential despite headwinds in the housing market.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231326</guid>
      <pubDate>Thu, 20 Jun 2024 12:05:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231326-non-qm-lenders-popping-up-like-starbucks</link>
    </item>
    <item>
      <title>High-Balance Lending Slows in First Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Banks reduced their non-agency jumbo lending in the early months of 2024, with nonbanks picking up some of the slack. Deliveries of high-balance mortgages into agency MBS also declined in the first quarter. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231154</guid>
      <pubDate>Thu, 30 May 2024 12:15:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231154-high-balance-lending-slows-in-first-quarter</link>
    </item>
    <item>
      <title>Freddie’s CES Proposal Faces Opposition From Banks</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The private market is providing adequate liquidity for closed-end second liens, according to the American Bankers Association. The trade group also questioned Freddie Mac’s motivations for a proposal to acquire seconds.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231085</guid>
      <pubDate>Thu, 23 May 2024 12:03:47 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231085-freddies-ces-proposal-faces-opposition-from-banks</link>
    </item>
    <item>
      <title>High Interest Rates Boost Investor Home Purchases</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The investor share of home purchases hit an all-time high in December.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230761</guid>
      <pubDate>Thu, 18 Apr 2024 11:48:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230761-high-interest-rates-boost-investor-home-purchases</link>
    </item>
    <item>
      <title>Non-QM Lenders Faring Better Amid High Interest Rates</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Waiting for the Federal Reserve to cut interest rates is a bit like waiting for Godot. It seems as though a cut in rates may never come. Still, there is some improvement in volumes and margins in the non-QM sector.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230708</guid>
      <pubDate>Thu, 11 Apr 2024 11:30:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230708-market-read-non-qm-shops-see-some-light</link>
    </item>
    <item>
      <title>ITIN Borrowers Are a Major Untapped Mortgage Market</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[As many as 88,000 individual tax identification number mortgages could be originated in a year if certain market barriers were removed, according to Urban Institute researchers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230256</guid>
      <pubDate>Thu, 22 Feb 2024 13:28:54 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230256-underserved-itin-borrowers-points-to-untapped-mortgage-market</link>
    </item>
    <item>
      <title>Change Lending Regains CDFI Status Following Court Order</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[A judge determined that Change Lending will be able to provide loans as a certified CDFI until at least December.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228871</guid>
      <pubDate>Thu, 14 Sep 2023 10:26:36 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228871-change-lending-to-temporarily-keep-cdfi-status-following-court-order</link>
    </item>
    <item>
      <title>HELOCs Boosted by Debt Consolidation, Renovations</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[A record number of homeowners are turning to HELOCs to perform renovations on their properties or paydown credit card debt.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228636</guid>
      <pubDate>Fri, 18 Aug 2023 13:45:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228636-borrowers-turn-to-helocs-to-fund-debt-consolidation-home-renovations</link>
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