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      <title>Bank Mergers and the Availability of Mortgage Credit</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Researchers at the FRB of Richmond demonstrate how banks that gain local market share by acquiring an existing bank are likely to decrease FHA lending even while increasing conventional lending.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236589</guid>
      <pubDate>Fri, 06 Feb 2026 11:51:24 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236589-bank-mergers-and-the-availability-of-mortgage-credit</link>
    </item>
    <item>
      <title>Lenders Shift GSE Business to Higher Quality in Fourth Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[GSE refi business jumped and shifted toward borrowers with higher credit scores during the fourth quarter. With purchase mortgages, lenders also put a greater emphasis on LTV ratios below 81%.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236352</guid>
      <pubDate>Fri, 09 Jan 2026 11:50:13 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236352-lenders-shift-gse-business-to-higher-quality-in-4q</link>
    </item>
    <item>
      <title>GSEs Get More Low-Risk Purchase Mortgages in Third Quarter</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Deliveries of high-risk purchase loans to the GSEs saw minor increases in the third quarter. But lenders expanded the credit for such loans in the refi sector. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235578</guid>
      <pubDate>Fri, 10 Oct 2025 13:30:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235578-gses-get-more-low-risk-purchase-mortgages-in-third-quarter</link>
    </item>
    <item>
      <title>Fannie Outlines Top Loan Defects in 1Q Deliveries</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[One of the most common loan defects remains “incorrect income calculation — rental income/loss.”]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235546</guid>
      <pubDate>Fri, 10 Oct 2025 13:25:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235546-fannie-tallies-top-loan-defects</link>
    </item>
    <item>
      <title>Nonbanks Boosting ARM Lending Via Agency MBS</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The volume of adjustable-rate mortgages flowing into agency mortgage-backed securities jumped in the second quarter of 2025 and has remained elevated. Large nonbank lenders are driving the increase. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235326</guid>
      <pubDate>Fri, 12 Sep 2025 12:11:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235326-nonbanks-boosting-arm-lending-via-agency-mbs</link>
    </item>
    <item>
      <title>Borrowers See Morality in Forbearance Options</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The perceived morality of mortgage forbearance increases when the borrower pays for the option to forbear, regardless of the political affiliation or personal characteristics of the borrower, according to researchers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235061</guid>
      <pubDate>Fri, 15 Aug 2025 11:31:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235061-the-morality-of-forbearance</link>
    </item>
    <item>
      <title>Sagging Home Prices Threaten Some Mortgage Markets</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Declining equity and surging escrow payments may be a precursor to market stress in some parts of the country, analysts say.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234822</guid>
      <pubDate>Fri, 18 Jul 2025 12:06:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234822-sagging-home-prices-threaten-some-mortgage-markets</link>
    </item>
    <item>
      <title>Purchase-Mortgage Volume Strong at FHA, VA in 2Q</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[FHA and VA purchase-mortgage volume increased by nearly 30% in the second quarter of 2025 compared with the previous quarter. GSE mortgages with private MI and agency purchase mortgages without primary MI lagged behind. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234712</guid>
      <pubDate>Thu, 03 Jul 2025 13:42:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234712-purchase-mortgage-volume-strong-at-fha-va-in-2q</link>
    </item>
    <item>
      <title>Pulte Order Adds Crypto to the Mortgage Equation</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The FHFA director last week directed Fannie Mae and Freddie Mac to figure out how to use cryptocurrency in the mortgage underwriting process.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234681</guid>
      <pubDate>Thu, 03 Jul 2025 13:41:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234681-pulte-order-adds-crypto-to-the-mortgage-equation</link>
    </item>
    <item>
      <title>GSE Purchase Mortgages Shift to Higher Scores in 2Q</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The share of GSE purchase mortgages with credit scores of at least 740 increased from 73.8% in the first quarter of 2025 to 74.6% in the second quarter. A similar trend was seen in GSE refi business. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234710</guid>
      <pubDate>Thu, 03 Jul 2025 13:40:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234710-gse-purchase-mortgages-shift-to-higher-scores-in-2q</link>
    </item>
    <item>
      <title>Data Privacy, Automation Help Minority Borrowers</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[In states with data privacy laws, the mortgage-denial gap between minority and non-minority mortgage borrowers is 3% lower than in states without the privacy laws, according to researchers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234571</guid>
      <pubDate>Fri, 20 Jun 2025 11:14:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234571-data-privacy-automation-and-fintech-lending-help-minority-borrowers</link>
    </item>
    <item>
      <title>How AI Is Revolutionizing Mortgage Lending</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Rent payment history and bank account income verification are just the start. Machine learning algorithms also promise better risk assessment and more accurate pricing for that risk.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234322</guid>
      <pubDate>Fri, 23 May 2025 11:41:36 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234322-how-ai-is-revolutionizing-mortgage-lending</link>
    </item>
    <item>
      <title>GSE Refi Characteristics Shift in First Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Refi business moved toward lower LTV ratios and lower credit scores in the first quarter. Characteristics for purchase mortgages held steady compared with the fourth quarter of 2024. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234100</guid>
      <pubDate>Fri, 25 Apr 2025 12:32:11 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234100-gse-refi-characteristics-shift-in-first-quarter</link>
    </item>
    <item>
      <title>G-Fee Hikes Affect Some Demographics More Than Others</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Changes to the pricing grids of Fannie Mae and Freddie Mac last May created a natural experiment for researchers to study how changes to guarantee fees impact the housing market.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233561</guid>
      <pubDate>Fri, 28 Feb 2025 12:19:07 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233561-g-fee-hikes-affect-some-demographics-more-than-others</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>Side Effects of Stricter Flood Disclosures on Mortgages</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Experienced appraisers combine flood disclosure information and local knowledge to provide appraisal values that reflect the underlying risk to the property. And less-experienced appraisers were found to assign higher property values to homes in flood areas.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233306</guid>
      <pubDate>Fri, 31 Jan 2025 11:52:20 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233306-side-effects-of-stricter-flood-disclosures-on-mortgages</link>
    </item>
    <item>
      <title>GSE Refi Risk Profile Shifts, Purchase Trends Steady</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[The jump in refinance business, and a shift from cash-out to rate-term transactions, changed the credit-risk profile for Fannie and Freddie in the fourth quarter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233086</guid>
      <pubDate>Fri, 03 Jan 2025 14:10:35 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233086-gse-refi-risk-profile-shifts-purchase-trends-steady</link>
    </item>
    <item>
      <title>Fannie Details Warning Signs for Occupancy Status</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The quality control team at Fannie Mae identified “red flags” that could indicate borrowers have mischaracterized whether they’re seeking a mortgage for a primary residence or for a second home or investment property.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233060</guid>
      <pubDate>Fri, 03 Jan 2025 14:05:41 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233060-tips-for-validating-occupancy-types</link>
    </item>
    <item>
      <title>Quality Control Defects on GSE Loans Have Evolved</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Six of the top 10 significant defects in loans acquired by Fannie Mae in the first quarter of this year weren’t on the list in the last quarter of 2023. Income calculation, though remained at the top of the list.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232409</guid>
      <pubDate>Fri, 18 Oct 2024 12:05:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232409-how-quality-control-defects-have-evolved</link>
    </item>
    <item>
      <title>Fannie/Freddie Risk Profile Mixed in Third Quarter</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[Sellers to the GSEs sold a larger share of new single-family mortgages with lower credit scores in the third quarter of 2024. But they also in-creased deliveries of mortgages with lower loan-to-value ratios. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232301</guid>
      <pubDate>Fri, 04 Oct 2024 11:42:52 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232301-fannie-freddie-risk-profile-mixed-in-third-quarter</link>
    </item>
    <item>
      <title>Credit Scores on GSE Deliveries Increase in Second Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Purchase mortgages continued to dominate deliveries to the GSEs in the second quarter and the share of purchase mortgages with credit scores of 740 or above increased compared with the first quarter. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231536</guid>
      <pubDate>Fri, 12 Jul 2024 13:08:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231536-credit-scores-on-gse-deliveries-increase-in-second-quarter</link>
    </item>
    <item>
      <title>Student Loan Debt, Verification Issues Top Fannie’s Loan Defect List</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Defects related to liabilities on student loans, income/employment verification and the appraisal process topped the list of items Fannie warns lenders to keep alert for.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231268</guid>
      <pubDate>Fri, 14 Jun 2024 11:32:26 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231268-fannie-ids-top-loan-defects</link>
    </item>
    <item>
      <title>Some Signs of Credit Loosening in GSE Volume</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[The share of higher-risk lending going to the GSEs expanded slightly in the first quarter, but high-credit score mortgages continued to dominate business at Fannie Mae and Freddie Mac. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230668</guid>
      <pubDate>Fri, 05 Apr 2024 14:49:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230668-fannie-freddie-show-some-signs-of-credit-loosening</link>
    </item>
    <item>
      <title>Research Ties Movement in Home Prices to Media Coverage</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[New research showed that media coverage of home prices helps boost home price growth. This appears to be true at both the state and city level.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230396</guid>
      <pubDate>Fri, 08 Mar 2024 12:40:16 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230396-research-ties-movement-in-home-prices-to-media-coverage</link>
    </item>
    <item>
      <title>Study Shows How Political Leaning Impacts Lending</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Research shows that minority homebuyers are more likely to be approved for a loan if their loan officer is a Democrat.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230267</guid>
      <pubDate>Fri, 23 Feb 2024 13:53:25 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230267-the-politics-of-mortgage-lending</link>
    </item>
    <item>
      <title>Borrower Awareness a Factor in Passing on Mortgage Costs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Although almost all of the cost of funding a loan through MBS is passed through to consumers, borrowers only see about 40% of the “cost” of a specified pool pay-up.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230128</guid>
      <pubDate>Fri, 09 Feb 2024 13:45:42 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230128-passing-origination-costs-on-to-borrowers</link>
    </item>
    <item>
      <title>Lenders Move Toward Lower Risk in GSE Deliveries</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[Loans delivered to Fannie Mae and Freddie Mac in the fourth quarter of 2023 move towards lower LTV ratios and higher FICO scores as volume plummets. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230045</guid>
      <pubDate>Fri, 26 Jan 2024 15:34:19 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230045-lenders-move-towards-lower-risk-in-gse-deliveries</link>
    </item>
    <item>
      <title>Lenders See Growth in Lending to BIPOC Borrowers</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Lenders need specific plans for outreach to borrowers that are Black, indigenous and people of color, according to industry participants. Focusing on the borrowers can be difficult but will pay off, the industry participants added.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230025</guid>
      <pubDate>Fri, 26 Jan 2024 13:18:36 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230025-lenders-see-growth-in-lending-to-bipoc-borrowers</link>
    </item>
    <item>
      <title>Differences in Mortgage Costs Linked to Location</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Regional differences in mortgage closing costs largely explain the seemingly irrational “failure to refinance” of some borrowers when rates fall.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229504</guid>
      <pubDate>Wed, 22 Nov 2023 14:40:01 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229504-the-wheres-and-whys-of-mortgage-costs</link>
    </item>
    <item>
      <title>Underwriting on GSE Deliveries Tightens in 3Q</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Lenders gravitated toward lower loan-to-value ratios and higher credit scores with their deliveries to the GSEs in the third quarter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229282</guid>
      <pubDate>Fri, 27 Oct 2023 13:58:20 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229282-underwriting-on-gse-deliveries-tightens-in-3q</link>
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