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    <title>Funding</title>
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    <item>
      <title>Grapevine: Flagstar Back in Warehouse Lending; FICO Probe</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Flagstar offering warehouse loans through partnership; senator investigating FICO; Waters wants conference committee for housing bill.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237036</guid>
      <pubDate>Thu, 26 Mar 2026 12:00:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237036-grapevine-flagstar-back-in-warehouse-lending-fico-investigation</link>
    </item>
    <item>
      <title>Texas Capital Bank Shifts Warehouse Loan Structure</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Nearly 60% of the mortgage finance loans outstanding from Texas Capital Bank are in enhanced structures that carry lower capital requirements for the bank.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236503</guid>
      <pubDate>Thu, 29 Jan 2026 11:41:54 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236503-texas-capital-bank-shifts-warehouse-loan-structure</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>Warehouse Lending Commitments Up Slightly in 3Q</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Refi originations push warehouse lending commitments up during the third quarter. On an annual basis, commitments were up 11.1%, with a handful of warehouse lenders putting a strong emphasis on the business. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236179</guid>
      <pubDate>Thu, 18 Dec 2025 11:57:03 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236179-warehouse-lending-commitments-up-slightly-in-3q</link>
    </item>
    <item>
      <title>Banks Defend Warehouse Lending to Nonbanks</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Lending to nonbanks is under scrutiny due to some recent performance issues outside of the residential mortgage market.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235745</guid>
      <pubDate>Thu, 30 Oct 2025 12:06:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235745-banks-defend-warehouse-lending-to-nonbanks</link>
    </item>
    <item>
      <title>Warehouse Commitments Rise But Market Remains Quiet</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Warehouse finance for mortgage lending is showing some modest gains. And no one’s quitting the business, at least not yet. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235308</guid>
      <pubDate>Thu, 11 Sep 2025 12:44:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235308-commitments-rise-in-but-warehousing-sort-of-quiet</link>
    </item>
    <item>
      <title>Crapo, Warner Urge Trump Admin to Release CDFI Program Funds</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Some $324 million in congressionally appropriated funding for the CDFI Fund has yet to be released by the Trump administration.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235004</guid>
      <pubDate>Thu, 07 Aug 2025 12:01:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235004-bipartisan-group-of-senators-urge-omb-to-release-cdfi-program-funds</link>
    </item>
    <item>
      <title>Signs of Life in Warehouse Lending, But No Boom</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Originations in the primary market are up, but not exactly flourishing. That’s so-so news for warehouse banks who — like everyone else — are waiting for interest rates to decline more dramatically. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234523</guid>
      <pubDate>Thu, 12 Jun 2025 12:01:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234523-signs-of-life-in-warehouse-but-no-boom</link>
    </item>
    <item>
      <title>Trade Groups Seek Reforms to Help Bank Lending</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[In response to deregulatory efforts by the Trump administration, the MBA and ABA suggested ways to boost bank mortgage activity.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234442</guid>
      <pubDate>Thu, 05 Jun 2025 12:02:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234442-trade-groups-seek-changes-to-help-bank-lending</link>
    </item>
    <item>
      <title>Grapevine: Court to Consider CFPB Layoffs; Interest Rate Outlook</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Hearing scheduled for May 16 to analyze massive layoffs at CFPB; Fannie economists slightly lower forecast for mortgage rates; Horizon Bank sells warehouse unit for a profit.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234151</guid>
      <pubDate>Thu, 01 May 2025 12:14:26 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234151-grapevine-court-to-consider-cfpb-layoffs-interest-rate-outlook</link>
    </item>
    <item>
      <title>Green Shoots for Warehouse Financiers in Fourth Quarter</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Warehouse commitment levels are on the rise, a sign — perhaps — of better days ahead. Meanwhile, JPMorgan continues to dominate the space. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233830</guid>
      <pubDate>Thu, 27 Mar 2025 12:08:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233830-green-shoots-for-warehouse-financiers</link>
    </item>
    <item>
      <title>Conforming Loan Limits and Bank Competition</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The annual increase in conforming loan limits creates a natural experiment for economists to examine how competition from nonbanks influences the operations of depositories.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233634</guid>
      <pubDate>Thu, 06 Mar 2025 12:01:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233634-conforming-loan-limits-and-bank-competition</link>
    </item>
    <item>
      <title>Trump Rescinds Funding Freeze That Unsettled Market</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[For hours, it was unclear whether a White House memo freezing federal funding would impact mortgage programs. In the meantime, government agencies announced that their single-family mortgage programs were unaffected by the planned funding pause.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233314</guid>
      <pubDate>Wed, 29 Jan 2025 12:07:58 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233314-trump-order-for-funding-pause-unsettles-market</link>
    </item>
    <item>
      <title>FHFA Budgets for Growth, Yet Again</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[If past is prologue, the Federal Housing Finance Agency’s plan to hire as many as 141 employees may only be aspirational.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232735</guid>
      <pubDate>Thu, 21 Nov 2024 11:07:53 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232735-fhfa-budgets-for-growth-yet-again</link>
    </item>
    <item>
      <title>Former Freddie CEO Layton Suggests Getting Rid of MSR</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The former Freddie executive said eliminating mortgage servicing rights, or transferring them to the GSEs, would eliminate the need for nonbank mortgage servicers to make servicing advances on delinquent loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232728</guid>
      <pubDate>Thu, 21 Nov 2024 11:05:58 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232728-layton-get-rid-of-msrs</link>
    </item>
    <item>
      <title>Warehouse Activity Increases, Another Exit Though</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Nonbank originations in the primary market appear to be on the upswing with just over three months to go in the year. That’s good news for warehouse providers, but another financier is departing. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232086</guid>
      <pubDate>Thu, 12 Sep 2024 12:08:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232086-warehouse-activity-increases-another-exit-though</link>
    </item>
    <item>
      <title>UI Urges Expanded Membership for FHLBanks</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Although nonbank advocates have long argued for FHLBank membership, new proposals from the Urban Institute address key challenges.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231837</guid>
      <pubDate>Thu, 15 Aug 2024 12:03:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231837-ui-urges-expanded-membership-for-fhlbanks</link>
    </item>
    <item>
      <title>Rethinking the Relationship Between CDFIs, FHLBanks</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHFA hosted a symposium on improving the relationship between the FHLBanks and CDFIs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231719</guid>
      <pubDate>Thu, 01 Aug 2024 12:10:28 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231719-rethinking-the-cdfi-fhlb-relationship</link>
    </item>
    <item>
      <title>A Changing Landscape for Warehouse Finance</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[The first quarter revealed slippage in warehouse financing and that Flagstar, a longtime player in the space, was pulling the plug. Still, there was a hint of good news: More nonbank originators are operating at break-even or better.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231225</guid>
      <pubDate>Thu, 06 Jun 2024 12:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231225-a-changing-landscape-for-warehouse-finance</link>
    </item>
    <item>
      <title>Warehouse Commitments Continue to Fall in Fourth Quarter</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[When nonbanks suffer in the origination game, so do their bankers. According to the latest analysis from <em>Inside Mortgage Finance,</em> warehouse commitments totaled $96.0 billion at yearend. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230466</guid>
      <pubDate>Thu, 14 Mar 2024 11:56:47 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230466-warehouse-commitments-continue-to-fall</link>
    </item>
    <item>
      <title>Grapevine: HUD’s Fudge to Step Down; IRS Postpones IVES Changes</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Housing Secretary Fudge resigns; IRS postpones controversial changes to IVES; regulators to alter Basel capital proposal; banking regulators waive appraisal requirements in Maui; feedback sought on bank call-report proposal.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230449</guid>
      <pubDate>Thu, 14 Mar 2024 11:46:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230449-grapevine-fudge-steps-down-irs-postpones-income-verification-changes</link>
    </item>
    <item>
      <title>Warehouse Lenders Willing to Be Flexible in Tough Times</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[As long as struggling mortgage companies show that they’re on the path to profitability, warehouse lenders say they have their back.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230383</guid>
      <pubDate>Thu, 07 Mar 2024 12:21:40 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230383-warehouse-lenders-willing-to-be-flexible-in-tough-times</link>
    </item>
    <item>
      <title>Industry Criticism Piles Up on Proposed Bank Capital Rules</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The new proposed capital requirements could reduce LMI lending by large banks and make warehouse financing expensive for nonbanks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228999</guid>
      <pubDate>Thu, 28 Sep 2023 11:51:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228999-more-complaints-about-proposed-bank-capital-rules</link>
    </item>
    <item>
      <title>Federal Reserve Launches Instant Payment System</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Although FedNow might seem an ideal fit for mortgage settlements, it remains to be seen if the industry will embrace this technology.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228445</guid>
      <pubDate>Thu, 27 Jul 2023 13:02:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228445-fednow-and-the-mortgage-industry</link>
    </item>
    <item>
      <title>CDFIs Raise Concerns Over Delay in Certification Process</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Pushback of proposed certification requirements and a vacant leadership role have led to a year-long blackout on new CDFI applications.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228084</guid>
      <pubDate>Thu, 15 Jun 2023 13:10:08 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228084-delays-in-certification-process-cause-headaches-for-cdfis</link>
    </item>
    <item>
      <title>Lenders Advised to Maintain Hedging, Adjust Loan Sales</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Expanded use of bid-tape AOT transactions and mandatory mortgage deliveries increase lender efficiencies and boost profits, according to hedge consultancy Mortgage Capital Trading.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228018</guid>
      <pubDate>Fri, 09 Jun 2023 10:30:28 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228018-tweaking-the-profitability-formula</link>
    </item>
    <item>
      <title>First Quarter Not a Pretty Time for Warehouse Lenders</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[It was a tough quarter for warehouse lending, but that was to be expected, given the state of interest rates and primary market production. The good news? Plenty of credit is available. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227846</guid>
      <pubDate>Thu, 18 May 2023 10:23:09 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227846-1q23-not-a-pretty-time-for-warehouse-finance</link>
    </item>
    <item>
      <title>Industry Backs HUD Plan on Affirmatively Furthering Fair Housing</title>
      <author>mhogan@imfpubs.com</author>
      <description>
        <![CDATA[The proposed rule would direct all HUD program participants to proactively take actions to overcome patterns of segregation, promote fair housing choice and eliminate disparities in opportunities, among other issues.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227635</guid>
      <pubDate>Thu, 27 Apr 2023 12:14:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227635-hud-takes-comments-on-affh-revisions</link>
    </item>
    <item>
      <title>Expanding the FHLBanks’ Affordable Housing Mission</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Federal Home Loan Banks should do more to fulfill their affordable housing goals, according to an industry analyst.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227446</guid>
      <pubDate>Thu, 06 Apr 2023 13:33:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227446-expanding-the-fhlbs-affordable-housing-mission</link>
    </item>
    <item>
      <title>Mixed Read on Regional Banks Following Failures</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[First Republic Bank’s share price declined even after 11 big banks deposited $30 billion into the institution in a show of support. Western Alliance Bank has fared better, without coordinated support from other banks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227327</guid>
      <pubDate>Thu, 23 Mar 2023 13:14:25 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227327-mixed-read-on-regional-banks-following-failures</link>
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