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    <title>Inside Mortgage Finance</title>
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    <item>
      <title>Mixed Trends for Mortgage Originations in 1Q</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Glass half full: Originations surged on an annual basis in the first quarter. Glass half empty: Lending declined on a quarterly basis as interest rates jumped in March.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237324</guid>
      <pubDate>Thu, 30 Apr 2026 12:10:35 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237324-mixed-trends-for-mortgage-originations-in-1q</link>
    </item>
    <item>
      <title>MSR Stability Expected to Be Tested by Delinquencies</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[As delinquencies rise, servicers will face increasing obligations for advances to MBS investors. Large servicers are expected to be able to handle the pressure while some smaller servicers could face difficulties.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237342</guid>
      <pubDate>Thu, 30 Apr 2026 12:09:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237342-msr-stability-expected-to-be-tested-by-delinquencies</link>
    </item>
    <item>
      <title>Lenders See Strong Demand for Mortgages in April</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Borrowers pulled back in March as interest rates on mortgages increased, but demand improved after rates fell at the end of March.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237325</guid>
      <pubDate>Thu, 30 Apr 2026 12:08:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237325-lenders-seeing-strong-demand-for-mortgages-in-april</link>
    </item>
    <item>
      <title>Operational Challenges for Implementing VantageScore 4.0</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Stakeholders are speculating on the next steps for bringing the new credit scores to market without complete transparency.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237337</guid>
      <pubDate>Thu, 30 Apr 2026 12:06:39 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237337-operational-challenges-for-lenders-implementing-vantagescore-40</link>
    </item>
    <item>
      <title>MBA Calls for Guardrails to Accompany Single Credit Pulls</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The trade group said a single-pull credit report is enough, if there are proper guardrails in place to prevent lenders and borrowers from “gaming the system.”]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237322</guid>
      <pubDate>Thu, 30 Apr 2026 12:05:41 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237322-mba-offers-more-parameters-for-single-pull-credit-score</link>
    </item>
    <item>
      <title>M&amp;As Involving Mortgage Companies Heat Up</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Several companies in the mortgage space are in the process of changing hands.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237334</guid>
      <pubDate>Thu, 30 Apr 2026 12:04:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237334-many-mortgage-companies-involved-in-mergers-and-acquisitions</link>
    </item>
    <item>
      <title>Broeksmit Touts Benefits of Basel Re-Proposal</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Bob Broeksmit, president and CEO of the Mortgage Bankers Association, believes the Basel III re-proposal would allow banks engaged in the mortgage business to further expand their operations.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237336</guid>
      <pubDate>Thu, 30 Apr 2026 12:03:45 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237336-basel-iii-proposal-could-boost-mortgage-banks-servicing-ware</link>
    </item>
    <item>
      <title>Survey Finds Lock-In Effect Thawing, Slowly</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The housing market is starting to see a decline in mortgage lock-in but it will take a while to reach a new equilibrium.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237331</guid>
      <pubDate>Thu, 30 Apr 2026 12:02:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237331-lock-in-effect-thawing-slowly</link>
    </item>
    <item>
      <title>CHLA Pushes for FHA, GSE Reforms to Help Gen Zers</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Community Home Lenders of America recommended a slew of policy changes to solve the home affordability crisis.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237323</guid>
      <pubDate>Thu, 30 Apr 2026 12:01:48 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237323-chla-advocates-opening-doors-to-gen-z</link>
    </item>
    <item>
      <title>Private MI Share Increases on GSE Purchase-Mortgage Business</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[GSE purchase-mortgage volume with private MI held up a little better on a quarterly basis than GSE business without private MI in the first quarter of 2026. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237263</guid>
      <pubDate>Thu, 23 Apr 2026 12:12:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237263-private-mi-share-of-gse-business-up-in-first-quarter</link>
    </item>
    <item>
      <title>VantageScore 4.0 Is a Go at the GSEs, FHA to Follow</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHFA Director Bill Pulte said 21 large lenders will roll out the new score with the GSEs, though all lenders are eligible. FHA also plans to accept VantageScore and FICO 10T.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237281</guid>
      <pubDate>Thu, 23 Apr 2026 12:10:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237281-vantagescore-40-is-a-go</link>
    </item>
    <item>
      <title>CFPB Issues Final Rule Rejecting Disparate-Impact Liability</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The final rule eliminating disparate impact from enforcement of the Equal Credit Opportunity Act was issued as it was proposed in November, despite more than 64,000 comments on the proposal.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237268</guid>
      <pubDate>Thu, 23 Apr 2026 12:09:04 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237268-cfpb-publishes-unchanged-ecoa-final-rule</link>
    </item>
    <item>
      <title>MBA Wants CFPB to Include Trump EO in Strategic Plan</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The trade group called for the CFPB to implement regulatory reforms across the board so that all sizes of lenders can see lower costs and boost mortgage access.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237265</guid>
      <pubDate>Thu, 23 Apr 2026 12:07:08 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237265-cfpb-pressed-to-include-trump-mortgage-directives-in-strategic-plan</link>
    </item>
    <item>
      <title>Opportunity in Non-Agency Market as Rates Remain Flat</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[The relatively level trajectory for interest rates presents an opportunity for more lenders to offer non-agency products, according to non-agency boosters.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237269</guid>
      <pubDate>Thu, 23 Apr 2026 12:06:09 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237269-opportunity-in-non-agency-market-as-rates-remain-flat</link>
    </item>
    <item>
      <title>BAC Chases Credit Report Reform in Washington</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Members of the Brokers Action Coalition headed to Capitol Hill this week in pursuit of lower costs for credit reports.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237273</guid>
      <pubDate>Thu, 23 Apr 2026 12:04:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237273-bac-chases-credit-reform-in-washington</link>
    </item>
    <item>
      <title>Lenders Challenged as Potential Homebuyers May Prefer Renting</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[With interest rates elevated, lenders are urged to highlight the wealth creation potential of homeownership to encourage renters to take the plunge and purchase a home.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237277</guid>
      <pubDate>Thu, 23 Apr 2026 12:02:11 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237277-lenders-challenged-as-homebuyers-may-be-better-off-renting</link>
    </item>
    <item>
      <title>NEXA Lending Plans MSR-Linked LO Comp Structure</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The initiative could face regulatory hurdles, attorneys warned.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237276</guid>
      <pubDate>Thu, 23 Apr 2026 12:01:12 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237276-nexa-lending-plans-msr-linked-lo-comp-structure</link>
    </item>
    <item>
      <title>Broker Groups Urge Members to Foster Political Ties</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Trade groups representing brokers emphasized the sway small businesses have over their local representatives.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237279</guid>
      <pubDate>Thu, 23 Apr 2026 12:00:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237279-mortgage-groups-encourage-members-to-foster-political-relationships</link>
    </item>
    <item>
      <title>Agency Servicing Market Subdued in Early 2026</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Depository institutions increased their share of the agency servicing market slightly in the first quarter of 2026 as a handful of banks bought GSE MSR in the bulk market. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237203</guid>
      <pubDate>Thu, 16 Apr 2026 11:30:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237203-agency-servicing-market-subdued-in-early-2026</link>
    </item>
    <item>
      <title>MBA Set to Hit Capitol Hill With Fresh Policy Agenda</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The trade group plans to target provisions in the bipartisan housing package moving through Congress, including efforts to deter corporate investors from buying single-family homes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237200</guid>
      <pubDate>Thu, 16 Apr 2026 11:28:28 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237200-mba-hits-the-hill-with-fresh-policy-agenda</link>
    </item>
    <item>
      <title>UWM Tried to Save Planned Acquisition of Two Harbors</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The bidding war between CrossCountry Mortgage and United Wholesale Mortgage started much earlier than previously known.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237196</guid>
      <pubDate>Thu, 16 Apr 2026 11:26:29 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237196-uwm-made-two-revised-offers-for-two-harbors</link>
    </item>
    <item>
      <title>FHFA’s Scrapped Press Conference Fires Rumor Mill</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Industry watchers believe the abruptly cancelled FHFA/HUD press conference was tied to implementation of VantageScore 4.0.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237195</guid>
      <pubDate>Thu, 16 Apr 2026 11:25:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237195-fhfa-and-hud-postpone-major-housing-announcement</link>
    </item>
    <item>
      <title>Senior HUD Official Clashes With Fair Housing Advocates</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[A HUD official warned that he would unleash an “investigative storm” on fair housing advocates who violate the Fair Housing Act.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237209</guid>
      <pubDate>Thu, 16 Apr 2026 11:24:32 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237209-hud-official</link>
    </item>
    <item>
      <title>Private Home Listings May Impact Appraisal Valuations</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Real estate professionals argue that private listings can be a net negative for homebuyers and sellers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237207</guid>
      <pubDate>Thu, 16 Apr 2026 11:23:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237207-private-listings-may-impact-home-valuations</link>
    </item>
    <item>
      <title>Big Banks Increase Lending on Annual Basis in 1Q</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[BofA, Chase and Wells all increased production by more than 40% on an annual basis in the first quarter of 2026. But demand for mortgages diminished in March amid rising interest rates.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237208</guid>
      <pubDate>Thu, 16 Apr 2026 11:22:43 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237208-big-banks-increase-lending-on-annual-basis-in-1q</link>
    </item>
    <item>
      <title>Housing a Hot Topic in a Fraught Election Cycle</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Politicians face high stakes heading into what’s expected to be a competitive midterm election cycle, and housing issues appeal to a broad electoral base.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237210</guid>
      <pubDate>Thu, 16 Apr 2026 11:21:45 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237210-housing-a-hot-topic-in-a-fraught-election-cycle</link>
    </item>
    <item>
      <title>Largest Lenders, Nonbanks Grab More Lending Share</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The five largest lenders accounted for 21.5% of originations in 2025. Nonbanks produced 65.6% of all residential mortgages. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237212</guid>
      <pubDate>Thu, 16 Apr 2026 11:20:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237212-largest-lenders-nonbanks-grab-more-lending-share</link>
    </item>
    <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>Trump Administration Scales Back Planned CFPB Cuts</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The new proposed staffing plan could allow the CFPB to follow through with a series of directives issued by President Trump in March.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237141</guid>
      <pubDate>Thu, 09 Apr 2026 11:55:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237141-trump-admin-scales-back-cfpb-cuts</link>
    </item>
    <item>
      <title>Uncertainty Clouds Spring Homebuying Outlook</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Pent-up buyer demand may help overcome some interest rate challenges and economic uncertainties this spring.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237148</guid>
      <pubDate>Thu, 09 Apr 2026 11:54:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237148-uncertainty-clouds-spring-homebuying-outlook</link>
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