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    <item>
      <title>Purchase-Mortgage Volume Plods Along in Agency Market</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Deliveries of purchase mortgages to agency MBS were essentially level in the first quarter of 2026 compared with the first quarter of 2025. Refi business remained elevated. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237136</guid>
      <pubDate>Thu, 09 Apr 2026 11:56:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237136-purchase-mortgage-volume-plods-along-in-agency-market</link>
    </item>
    <item>
      <title>Mortgage Brokers Spill the Beans on Credit Report Costs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Broker Action Coalition is asking its members to bring their credit report bills to the trade group’s Washington fly-in this month so DC politicians can see how much a monopoly costs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237152</guid>
      <pubDate>Thu, 09 Apr 2026 11:52:41 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237152-mortgage-brokers-spill-the-beans-on-credit-score-costs</link>
    </item>
    <item>
      <title>High Demand for Mortgages Raises Rate, Processing Time</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Economists quantify the impact of demand shocks on lender-set rates and origination efficiency.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237040</guid>
      <pubDate>Fri, 03 Apr 2026 11:00:25 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237040-mortgage-demand-and-lender-rates</link>
    </item>
    <item>
      <title>Investors Expect Adjustment Period for New Credit Score Models</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Investors are expected to take time to adjust to new credit score models and the potential end of the tri-merge scoring requirement at the GSEs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236770</guid>
      <pubDate>Thu, 26 Feb 2026 12:04:07 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236770-investors-expect-adjustment-period-for-new-credit-score-models</link>
    </item>
    <item>
      <title>GSEs Seen as Poorly Positioned to Help With Affordability</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Former Freddie CEO believes most prospective remedies to the affordability crisis will benefit only borrowers who don’t need the help.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236656</guid>
      <pubDate>Thu, 12 Feb 2026 11:34:20 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236656-are-gses-an-efficient-tool-to-address-affordability</link>
    </item>
    <item>
      <title>GSEs’ MBS Plan Prompts Revisions to Rate Forecasts</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[In mid-December, MBA was projecting interest rates would hold at 6.4% throughout 2026. However, MBA now anticipates the average rate will be 6.1% in the first quarter and hold at that level through the year.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236502</guid>
      <pubDate>Thu, 29 Jan 2026 11:48:44 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236502-economists-make-adjustments-on-rate-forecasts</link>
    </item>
    <item>
      <title>Lenders Expect Origination Boost From GSE MBS Purchases</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[President Trump’s announcement that the GSEs will buy $200 billion of agency MBS prompted mortgage spreads to tighten by about 20 basis points and some lenders to offer mortgages below 6.00%.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236382</guid>
      <pubDate>Thu, 15 Jan 2026 12:08:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236382-lenders-expect-rush-from-gse-mbs-purchases</link>
    </item>
    <item>
      <title>Trump’s MBS Purchase Plan Runs Counter to Fed Policy</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Treasury Secretary Scott Bessent confirmed industry speculation that President Trump directed the GSEs to purchase $200 billion in MBS to offset Federal Reserve policy.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236381</guid>
      <pubDate>Thu, 15 Jan 2026 12:07:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236381-trumps-mbs-purchase-plan-runs-counter-to-fed-policy</link>
    </item>
    <item>
      <title>Agency Refi Market Rises to Three-Year High in 2025</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[UWM finished as the top agency seller in 2025, with annual volume up 22.2% from the previous year. Like many companies, its fourth-quarter sales rose dramatically thanks to heavy refinance volume.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236300</guid>
      <pubDate>Thu, 08 Jan 2026 12:26:49 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236300-agency-refi-market-rises-to-three-year-high-in-2025</link>
    </item>
    <item>
      <title>FHFA Touts Administration’s Housing Success</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage applications are on the upswing as interest rates and spreads fall. FHFA says Trump is responsible, but critics disagree.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236247</guid>
      <pubDate>Fri, 02 Jan 2026 09:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236247-fhfa-touts-administrations-housing-success</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>Complications Await if GSEs Allow Assumable Mortgages</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[While government-insured mortgages are assumable, few assumptions are completed due to various obstacles. GSE mortgages were also assumable until the 1980s, when legal issues prompted a change.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236049</guid>
      <pubDate>Thu, 04 Dec 2025 11:51:24 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236049-complications-await-if-gses-allow-assumable-mortgages</link>
    </item>
    <item>
      <title>Shareholder Ackman Refines Plan for GSE Reform</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The GSE investor said part of his plan can be accomplished immediately, but ending the conservatorship may take three years.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235941</guid>
      <pubDate>Thu, 20 Nov 2025 12:03:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235941-ackman-refines-plan-for-gse-reform</link>
    </item>
    <item>
      <title>Trump Administration Hints at New Mortgage Products</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[FHFA Director Bill Pulte touted possibility of a 50-year fixed-rate mortgage. Also under consideration: transferable and portable mortgages.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235890</guid>
      <pubDate>Thu, 13 Nov 2025 12:08:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235890-trump-administration-hints-at-new-mortgage-products</link>
    </item>
    <item>
      <title>Timing for Recap and Release of GSEs Remains Unclear</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Trump administration continues to tease a 2025 capital raise for the GSEs but industry experts remain skeptical this can be done in a safe, sound manner.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235810</guid>
      <pubDate>Thu, 06 Nov 2025 12:10:39 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235810-recapping-recap-and-release</link>
    </item>
    <item>
      <title>FHFA Considering LLPA Reduction for Some Loans</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[A reduction in loan-level pricing adjustments for Fannie Mae and Freddie Mac is being discussed.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235762</guid>
      <pubDate>Thu, 30 Oct 2025 12:08:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235762-a-reduction-in-gse-llpas-something-or-nothing</link>
    </item>
    <item>
      <title>MBA Faces Pushback on Effort to Drop Tri-Merge</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[While most mortgage industry participants believe the tri-merge limits competition among the three credit reporting companies, some say it’s a critical tool to maintain the credit quality of mortgages.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235680</guid>
      <pubDate>Thu, 23 Oct 2025 12:29:07 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235680-mortgage-industry-bigwigs-debate-the-tri-merge</link>
    </item>
    <item>
      <title>Purchase Mortgages Lift Agency Market in Third Quarter</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Agency refinance business slowed significantly in the third quarter, and the market seemed to turn in September as purchase-mortgage volume also declined. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235542</guid>
      <pubDate>Thu, 09 Oct 2025 12:16:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235542-purchase-mortgages-lift-agency-market-in-3q25</link>
    </item>
    <item>
      <title>Trump Administration’s Plans for GSEs Remain Unclear</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Trump administration is ramping up discussions regarding reforms to the government-sponsored enterprises but it’s still not clear what the result will be. Whether Congress will take action is also an open question.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235360</guid>
      <pubDate>Thu, 18 Sep 2025 12:13:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235360-the-next-steps-in-gse-reform</link>
    </item>
    <item>
      <title>Industry Seeks Clarity on GSE Credit Score Changes</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage lenders and their partners are working to figure out how to implement both Classic FICO and VantageScore 4.0 credit scores.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235370</guid>
      <pubDate>Thu, 18 Sep 2025 12:11:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235370-industry-seeks-clarity-on-credit-scores</link>
    </item>
    <item>
      <title>Merger Rumors and a Possible GSE IPO</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Industry stakeholders puzzle over the implications of the Trump administration’s plans for a quick public offering of the GSEs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235056</guid>
      <pubDate>Thu, 14 Aug 2025 11:58:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235056-merger-rumors-and-a-possible-gse-exit</link>
    </item>
    <item>
      <title>Agency Single-Family Market Up in 2Q25, Buoyed by Refis</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Credit trends remained strong as heavy refinancing activity helped boost agency business in the second quarter of 2025. The top sellers with significant TPO platforms continued to gain market share. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234750</guid>
      <pubDate>Thu, 10 Jul 2025 11:30:28 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234750-agency-1-fam-market-up-in-2q25-buyed-by-refinance</link>
    </item>
    <item>
      <title>FHFA OKs VantageScore for Immediate Use by GSEs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHFA said lenders can now use VantageScore 4.0 when underwriting GSE loans. It’s not clear, though, if the mortgage industry is ready to take advantage of the opportunity.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234754</guid>
      <pubDate>Thu, 10 Jul 2025 11:28:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234754-fhfa-oks-vantagescore-for-immediate-use</link>
    </item>
    <item>
      <title>BPC Offers Requirements for GSE Reform</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Advocates for GSE reform offered the Trump administration some useful guardrails to consider as it plots ending the conservatorships of Fannie and Freddie.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234634</guid>
      <pubDate>Thu, 03 Jul 2025 12:55:14 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234634-requirements-for-gse-reform</link>
    </item>
    <item>
      <title>Trump’s GSE Decree Provides Some Comfort</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Many stakeholders remain skeptical of the Trump administration’s efforts to release the GSEs from conservatorship, but some analysts now say the process need not meaningfully impact mortgage rates.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234446</guid>
      <pubDate>Thu, 05 Jun 2025 12:05:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234446-more-gse-reform-speculation</link>
    </item>
    <item>
      <title>Plugging Climate Risk Into MBS Ratings</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fitch Ratings analysts seek feedback on a framework for interpolating climate change risk into bond ratings.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234194</guid>
      <pubDate>Thu, 08 May 2025 16:43:35 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234194-plugging-climate-risk-into-mbs-ratings</link>
    </item>
    <item>
      <title>Grapevine: Fed Steady Amid Uncertainty on Tariffs; CFPB Budget</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[FOMC holds federal funds rate steady; MBA expects rate cut later this year; House committee votes to slash CFPB’s budget.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234214</guid>
      <pubDate>Thu, 08 May 2025 12:30:27 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234214-grapevine-fed-steady-amid-uncertainty-on-tariffs-cfpb-budget</link>
    </item>
    <item>
      <title>Agency Single-Family MBS Market Tanks in Early 2025</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Agency refinance volume was down sharply in the first quarter but it got off to a faster start than in early 2024. Most measures of agency volume were down, but the share of higher-risk loans was trending higher. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233901</guid>
      <pubDate>Thu, 03 Apr 2025 12:10:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233901-agency-single-family-mbs-market-tanks-in-early-2025</link>
    </item>
    <item>
      <title>Bessent Suggests GSEs for U.S. Sovereign Wealth Fund</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The creation of a U.S. sovereign wealth fund could grease the skids for an end to the conservatorships of Fannie Mae and Freddie Mac.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233821</guid>
      <pubDate>Thu, 27 Mar 2025 12:05:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233821-bessent-remarks-spur-talks-of-gse-reform</link>
    </item>
    <item>
      <title>A Ball of Confusion: HUD, DOGE and Staff Cuts</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Is the White House being less than forthcoming about job cuts at HUD and DOGE finding “misplaced” funds at the agency? You decide. But mortgage bankers are getting nervous.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233571</guid>
      <pubDate>Thu, 27 Feb 2025 12:09:10 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233571-a-ball-of-confusion-hud-doge-and-staff-cuts</link>
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