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    <title>Buybacks</title>
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    <item>
      <title>GSE Seller Buybacks and Unresolved Claims Decline</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Lenders repurchased just over $2 million in defective loans from GSE mortgage-backed securities in 2025, the lowest annual total since 2020. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236930</guid>
      <pubDate>Fri, 20 Mar 2026 14:22:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236930-gse-seller-buybacks-and-unresolved-claims-down</link>
    </item>
    <item>
      <title>Seller Buybacks Surge in 3Q25, Pipeline Also Rises</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Recent buyback data suggest the 2024 vintage is one of the most pristine in modern GSE history, although repurchase volume was up in the third quarter of 2025. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236173</guid>
      <pubDate>Fri, 19 Dec 2025 13:05:14 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236173-seller-buybacks-surge-in-3q25-pipeline-also-rises</link>
    </item>
    <item>
      <title>Freddie Continues to Update Quality Control Efforts</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The integration of Freddie’s new Quality Control Advisor Plus, its performing loan repurchase alternative pilot and its Income Calculator is expected to reduce loan defect levels and lower costs for lenders.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235974</guid>
      <pubDate>Fri, 21 Nov 2025 15:11:06 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235974-freddie-continues-to-update-quality-control-efforts</link>
    </item>
    <item>
      <title>GSE Seller Buybacks Up in 2Q25, Pending Claims Rise</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Most of the repurchase activity in the second quarter involved loans sold to the GSEs in 2024, which is shaping up to be a pristine vintage. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235418</guid>
      <pubDate>Fri, 26 Sep 2025 14:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235418-gse-seller-buybacks-up-in-2q25-pending-claims-rise</link>
    </item>
    <item>
      <title>GSE Seller Buybacks Ease in 1Q, Unresolved Claims Up</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Seller buybacks of defective loans declined in the first quarter of 2025, and the GSEs also reported an increase in withdrawn claims. The pipeline of unresolved cases was up. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234522</guid>
      <pubDate>Fri, 20 Jun 2025 15:16:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234522-gse-seller-buybacks-ease-in-1q25-unresolved-claims-up</link>
    </item>
    <item>
      <title>Pulte Warns FICO on Fees, Meets With Equifax CEO</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The FHFA director’s criticism of FICO gave lenders a chance to call for price reductions on credit scores and reports. FICO countered by saying its wholesale prices are a tiny fraction of closing costs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234467</guid>
      <pubDate>Fri, 06 Jun 2025 14:30:41 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234467-pulte-warns-fico-on-fees</link>
    </item>
    <item>
      <title>Palantir AI to Power Fannie’s Fraud Prevention Efforts</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The controversial software giant will use its AI-powered financial crimes detection technology to scour Fannie’s vast databases for signs of mortgage fraud, starting with multifamily loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234470</guid>
      <pubDate>Fri, 06 Jun 2025 14:25:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234470-palantir-ai-to-power-fannies-fraud-prevention-efforts</link>
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    <item>
      <title>Should GSEs Be Liable for Third-Party UDAP Violations?</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[MBA revisits complaints about a new regulation that requires the GSEs to certify that third-party service providers are compliant with FTC rules covering unfair or deceptive acts or practices.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233087</guid>
      <pubDate>Fri, 03 Jan 2025 13:55:15 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233087-should-gses-be-liable-for-third-party-udap-violations</link>
    </item>
    <item>
      <title>Freddie Updates Various Requirements for Sellers</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[A new bulletin includes details on Freddie’s fee-only repurchase alternative, cybersecurity requirements and other issues.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232960</guid>
      <pubDate>Fri, 13 Dec 2024 14:51:22 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232960-freddie-updates-various-requirements-for-sellers</link>
    </item>
    <item>
      <title>Lender Buybacks Steady in 2Q, Pending Claims Rise</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[While seller repurchases of Fannie loans fell sharply in the second quarter, buybacks of Freddie loans were up. Rocket Mortgage and United Wholesale Mortgage ranked at the top of GSE buybacks for the first half of the year. (Includes three data tables.)]]>
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      <guid>http://www.insidemortgagefinance.com/articles/232034</guid>
      <pubDate>Fri, 20 Sep 2024 14:22:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232034-lender-buybacks-steady-in-2q24-pending-claims-rise</link>
    </item>
    <item>
      <title>GSE Seller Buybacks Edge Up in 1Q24, Pipeline Steady</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[After a sharp drop in the fourth quarter, seller repurchases of Freddie loans rose substantially in early 2024. Fannie, however, reported a decline in seller buybacks. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231151</guid>
      <pubDate>Fri, 31 May 2024 15:45:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231151-gse-seller-buybacks-edge-up-in-1q24-pipeline-steady</link>
    </item>
    <item>
      <title>Freddie Buybacks Plummet in 4Q23, Fannie Trends Up</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[As the historic mortgage boom fades into the past, buyback claims from the GSEs have declined. The biggest downturn has been at Freddie. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230514</guid>
      <pubDate>Fri, 22 Mar 2024 15:20:20 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230514-freddie-buybacks-plummet-in-4q23-fannie-trends-up</link>
    </item>
    <item>
      <title>Fannie Rolls Out Buyback Alternative</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage industry stakeholders said Freddie Mac’s pilot program to alleviate repurchase requests is a better option than Fannie Mae’s new notice of potential defect.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230417</guid>
      <pubDate>Fri, 08 Mar 2024 16:25:18 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230417-fannie-rolls-out-buy-back-alternative</link>
    </item>
    <item>
      <title>Fannie Adds Verification Tools to DU</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Lenders will now be able to use a single verification report to validate income, employment, assets, positive rent payment and cash flow history. However, the report must have at least 12 months of data.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230424</guid>
      <pubDate>Fri, 08 Mar 2024 16:23:23 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230424-fannie-adds-tools-to-du</link>
    </item>
    <item>
      <title>Seller Buybacks From GSE MBS Plummet in Third Quarter</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Guidance from on-high helped push lender buybacks of GSE loans sharply lower in the third quarter, particularly at Freddie. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229776</guid>
      <pubDate>Fri, 22 Dec 2023 14:08:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229776-seller-buybacks-from-gse-mbs-plummeted-in-3q23</link>
    </item>
    <item>
      <title>Freddie to Initiate a Repurchase Pilot</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The enterprise’s plan closely resembles an alternative to current buyback policy that was proposed by CHLA in May.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229544</guid>
      <pubDate>Wed, 22 Nov 2023 15:18:27 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229544-freddie-to-initiate-a-repurchase-pilot</link>
    </item>
    <item>
      <title>GSEs Provide Details on Reps-and-Warranty Relief</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie Mae and Freddie Mac released details on FHFA’s new policy of extending natural disaster-related reps-and-warranty relief to mortgagees impacted by the pandemic.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229271</guid>
      <pubDate>Fri, 27 Oct 2023 16:40:41 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229271-gses-provide-details-on-rep-and-warrant-relief</link>
    </item>
    <item>
      <title>Seller Buybacks Inch Higher in 2Q23; Pipeline Shrinks</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Fannie says material defects have been rising for the past few years. In 2Q23, seller buybacks topped $1 billion for the sixth straight quarter. (Includes three data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229008</guid>
      <pubDate>Fri, 29 Sep 2023 16:20:48 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229008-seller-buybacks-inch-higher-in-2q23-pipeline-shrinks</link>
    </item>
    <item>
      <title>GSE Seller Buybacks and Pending Claims Up Slightly</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[The 2022 book of GSE single-family business has a higher defect rate than earlier cohorts, and sellers are repurchasing loans with interest rates lower than current levels. (Includes three data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228150</guid>
      <pubDate>Fri, 23 Jun 2023 15:17:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228150-gse-seller-buybacks-and-pending-claims-up-slightly</link>
    </item>
    <item>
      <title>Repurchases Ease in 4Q22, But Pipeline Still Clogged</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Buybacks of mortgages delivered to the GSEs declined in the fourth quarter. Still, repurchase activity was elevated for the year and the amount of unresolved repurchases didn’t budge much in the fourth quarter. (Includes three data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227392</guid>
      <pubDate>Fri, 31 Mar 2023 14:00:51 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227392-repurchases-ease-in-4q22-but-pipeline-still-clogged</link>
    </item>
    <item>
      <title>Seller Buybacks Edge Higher Again in Third Quarter 2022</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Seller repurchases from Fannie/Freddie MBS continued to climb in the third quarter, although the pipeline of unresolved claims declined a bit. A third-party study shows the critical-defect rate was down slightly in early 2022 as lenders grapple with a challenging market. (Includes three data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226485</guid>
      <pubDate>Fri, 16 Dec 2022 14:08:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226485-seller-buybacks-edge-higher-again-in-third-quarter-2022</link>
    </item>
    <item>
      <title>Seller Buybacks Surge Again in 2Q22, Pipeline Declining</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Seller buybacks were up 20.3% from the first to the second quarter, with most of them involving loans sold to the GSEs in 2021. Rocket Mortgage and loanDepot led the industry in repurchases during the first half of 2022. (Includes three data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225731</guid>
      <pubDate>Fri, 23 Sep 2022 13:40:28 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225731-seller-buybacks-surge-again-in-2q22-pipeline-declining</link>
    </item>
    <item>
      <title>Seller Repurchases of GSE Loans Spike in 1Q22</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Fannie and Freddie reported $1.01 billion in seller repurchases during the first quarter of 2022, the highest quarterly volume in nearly eight years. (Includes three data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224831</guid>
      <pubDate>Fri, 17 Jun 2022 13:00:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224831-seller-repurchases-of-gse-loans-spike-higher-in-1q22</link>
    </item>
    <item>
      <title>GSE Buybacks Rise Sharply in Booming 2020-21 Market</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Fannie and Freddie reported nearly $3 billion in repurchases of defective loans during 2021, the highest annual total since 2014. Most buyback demands stemmed from record MBS issuance by the two GSEs over the past two years.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224096</guid>
      <pubDate>Fri, 25 Mar 2022 14:25:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224096-gse-buybacks-rise-sharply-in-booming-2020-21-market</link>
    </item>
    <item>
      <title>Fannie Notes Some Premature Buyouts from MBS Pools</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Some delinquent loans have been removed from MBS trusts before completing their modification trial periods.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223644</guid>
      <pubDate>Fri, 28 Jan 2022 12:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223644-fannie-notes-some-premature-buyouts-from-mbs-pools</link>
    </item>
    <item>
      <title>GSE Seller Repurchases Ratchet Higher in 3Q21</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[In the first nine months of 2021, GSE sellers have repurchased $2.1 billion of defective loans from Fannie Mae and Freddie Mac, more than in any year since 2014. Soaring new MBS issuance is the reason.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223334</guid>
      <pubDate>Thu, 23 Dec 2021 14:45:18 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223334-gse-seller-repurchases-ratchet-higher-in-3q21</link>
    </item>
    <item>
      <title>GSE Seller Buybacks Climb Toward Seven-Year High in 2021</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[The landslide of new single-family MBS issuance since the pandemic started is yielding a predictable side effect: rising buyback demands from the GSEs. (Includes two data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222289</guid>
      <pubDate>Fri, 03 Sep 2021 09:43:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222289-gse-seller-buybacks-climb-toward-7-year-high-in-2021</link>
    </item>
    <item>
      <title>GSE MBS Loan Removals Down Sharply in 1Q21</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[After spiking in the third and fourth quarters of 2020, GSE repurchases of delinquent loans from MBS pools fell sharply in early 2021. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/221197</guid>
      <pubDate>Fri, 30 Apr 2021 15:50:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/221197-gse-mbs-loan-removals-down-sharply-in-1q21</link>
    </item>
    <item>
      <title>Fannie Says Some Loans Were Mistakenly Purchased Out of MBS</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie released a table listing 1,221 pools that were impacted by a servicer reporting error.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/219686</guid>
      <pubDate>Fri, 06 Nov 2020 15:10:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/219686-fannie-says-some-loans-were-mistakenly-purchased-out-of-mbs</link>
    </item>
    <item>
      <title>GSE Buybacks Slip in 2Q20, But Unresolved Claims Rise</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Most of Freddie's repurchase activity in the second quarter involved loans securitized in 2020, but 2019 business still accounted for most of Fannie's activity. (Includes three data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/219006</guid>
      <pubDate>Fri, 28 Aug 2020 13:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/219006-gse-buybacks-slip-in-2q20-but-unresolved-claims-rise</link>
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