<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0" xmlns:media="http://search.yahoo.com/mrss/">
  <channel>
    <title>Inside Mortgage Trends</title>
    <description>
      <![CDATA[]]>
    </description>
    <link>https://www.insidemortgagefinance.com/rss</link>
    <language>en-us</language>
    <item>
      <title>Bulk Agency MSR Sales Back to Normal in First Quarter</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Carrington Mortgage Services was the top bulk buyer of agency MSR in the first quarter of 2026, thanks to a large acquisition of Ginnie servicing from Pennymac. Bayview Asset Management was the top buyer in the coissuance market. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237229</guid>
      <pubDate>Fri, 17 Apr 2026 12:20:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237229-bulk-agency-msr-sales-back-to-normal-in-1q26</link>
    </item>
    <item>
      <title>Bleaker Mortgage Outlook Amid Iran War Inflation</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Inflation caused by the U.S.-Iran War means that mortgage rates aren’t likely to fall back below 6.0% this year, according to Mike Fratantoni, chief economist at the Mortgage Bankers Association.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237233</guid>
      <pubDate>Fri, 17 Apr 2026 12:14:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237233-iran-war-brings-bleak-forecast-for-mortgages</link>
    </item>
    <item>
      <title>Recovery in Agency Delinquencies in 1Q Not as Robust</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The improvement in mortgage performance seen in early 2026 was weaker than in the first quarter of the prior two years. Much of the difference was due to an increase in loans 120+ days delinquent, with particular issues involving FHA mortgages. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237231</guid>
      <pubDate>Fri, 17 Apr 2026 12:12:14 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237231-recovery-in-agency-delinquencies-in-1q-not-as-robust</link>
    </item>
    <item>
      <title>loanDepot Turns to Figure in HELOC Partnership</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[loanDepot will launch a new white-label home equity line of credit product powered by Figure that can provide homeowners an equity payout in as little as five days.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237232</guid>
      <pubDate>Fri, 17 Apr 2026 12:10:16 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237232-figure-loandepot-team-for-heloc-partnership</link>
    </item>
    <item>
      <title>AI Increasingly Used for Home Equity Loan Appraisals</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The rise in home equity lending by nonbanks is driving increased use of artificial intelligence in the appraisal process.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237221</guid>
      <pubDate>Fri, 17 Apr 2026 12:09:18 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237221-home-equity-lending-driving-ai-use-for-appraisals</link>
    </item>
    <item>
      <title>Rocket Taps AWS Automation to Boost Processing Times</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[A new proof-of-concept between Amazon Web Services and Rocket Close highlighted the potential to use AI to extract data from complex mortgage documents.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237227</guid>
      <pubDate>Fri, 17 Apr 2026 12:05:20 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237227-rocket-leverages-aws-automation-to-boost-processing-times</link>
    </item>
    <item>
      <title>Racial Differences Seen in Property Tax Assessments</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Automated appraisal models are contributing to disparities in property taxes between different populations, according to consumer advocates.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237234</guid>
      <pubDate>Fri, 17 Apr 2026 12:04:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237234-property-tax-gaps-persist-between</link>
    </item>
    <item>
      <title>GSE Lenders Stretch Credit Envelope in First Quarter</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Purchase mortgages and refinances in the highest loan-to-value ratio category accounted for a greater share of mortgages delivered to Fannie Mae and Freddie Mac in the first quarter of 2026. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237109</guid>
      <pubDate>Fri, 03 Apr 2026 11:07:17 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237109-gse-lenders-favored-high-ltv-loans-in-1q</link>
    </item>
    <item>
      <title>DPA Programs Considered Key to Unlocking Purchase Market</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Loan officers can get a leg up against the competition by learning about available downpayment assistance programs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237103</guid>
      <pubDate>Fri, 03 Apr 2026 11:06:19 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237103-dpa-programs-considered-key-to-unlocking-purchase-movement</link>
    </item>
    <item>
      <title>Better Offers First Conforming Token-Backed Mortgage</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Better and Coinbase have partnered to allow borrowers to pledge holdings of tokenized assets to fund their downpayment, without the need to liquidate the assets.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237101</guid>
      <pubDate>Fri, 03 Apr 2026 11:05:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237101-better-offers-first-conforming-token-backed-mortgage</link>
    </item>
    <item>
      <title>Bank Sales of Mortgages Rise to 2022 Level at End of 2025</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Bank mortgage sales and originations rose in the fourth quarter to levels last seen in 2022. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237088</guid>
      <pubDate>Fri, 03 Apr 2026 11:04:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237088-bank-sales-of-mortgages-rise-to-2022-level</link>
    </item>
    <item>
      <title>Mortgage-Specific AI Tools Offer Better Accuracy for Industry</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Artificial intelligence tools that are specifically designed for mortgage tasks offer more accurate results than general-purpose AI models, according to a new study.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237097</guid>
      <pubDate>Fri, 03 Apr 2026 11:03:25 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237097-mortgage-specific-ai-tools-offer-better-accuracy-results</link>
    </item>
    <item>
      <title>MISMO Offers Housing Counseling Dataset</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Industry Standards Maintenance Organization last week announced that its dataset that standardizes counseling data is ready for adoption.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237091</guid>
      <pubDate>Fri, 03 Apr 2026 11:02:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237091-mismo-housing-counseling-dataset-ready-for-adoption</link>
    </item>
    <item>
      <title>Homeownership Feels Impossible for Young People</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Young generations are investing in risky endeavors, such as day trading, sports betting and prediction markets, to build wealth instead of through homeownership.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237098</guid>
      <pubDate>Fri, 03 Apr 2026 11:01:25 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237098-homeownership-less-of-a-priority-for-younger-generations</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>Production vs Servicing Results Mixed in 4Q25</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Earnings reports from public companies showed gains in production-related and servicing income during the fourth quarter, but the broader MBA performance study found declines on both sides of the business. (Includes data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236975</guid>
      <pubDate>Fri, 20 Mar 2026 13:00:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236975-production-vs-servicing-results-mixed-in-4q25</link>
    </item>
    <item>
      <title>Correspondents Retreat in 4Q as Brokers Forge Ahead</title>
      <author>amalatinszky@imfpubs.com</author>
      <description>
        <![CDATA[Wholesale and retail lenders expanded their mortgage production more than correspondent aggregators in the origination boomlet that took shape during the final quarter of 2025. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237001</guid>
      <pubDate>Fri, 20 Mar 2026 12:58:32 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237001-correspondents-retreat-in-4q-as-brokers-forge-ahead</link>
    </item>
    <item>
      <title>Freedom to Acquire MSR Holder Seneca</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Freedom Mortgage plans to acquire private equity-backed Seneca Mortgage Servicing and its billions in non-government mortgage servicing rights.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236996</guid>
      <pubDate>Fri, 20 Mar 2026 12:56:33 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236996-freedom-to-acquire-msr-holder</link>
    </item>
    <item>
      <title>Homebuilders’ Usage of Sale Incentives Stabilizing</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Homebuilders are optimistic that the spring homebuying season should boost profits and reduce incentive usage.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236967</guid>
      <pubDate>Fri, 20 Mar 2026 12:55:34 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236967-incentive-usage-remains-flat-for-homebuilders</link>
    </item>
    <item>
      <title>eNotes Adoption Hits Tipping Point</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The MERS eRegistry has surpassed 3 million eNotes, a milestone that sparks optimism for more adoption.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236994</guid>
      <pubDate>Fri, 20 Mar 2026 12:52:35 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236994-enotes-adoption-hits-tipping-point</link>
    </item>
    <item>
      <title>Tax Season Brings Challenges for Self-Employed Borrowers</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Self-employed borrowers are encouraged to watch what they write off if they plan to buy a home in the next two years.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236990</guid>
      <pubDate>Fri, 20 Mar 2026 12:51:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236990-tax-season-brings-challenges-for-self-employed-borrowers</link>
    </item>
    <item>
      <title>Low Credit Scores Impact More Than Mortgage Rates</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Lower credit scores lead to both stiffer mortgage rates and higher home insurance premiums, adding to the affordability challenge, according to new finding.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236956</guid>
      <pubDate>Fri, 20 Mar 2026 12:50:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236956-low-credit-scores-dont-just-impact-mortgage-rates</link>
    </item>
    <item>
      <title>Nonbank Earnings Slip in 4Q25, Fail to Match 2024</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Most nonbanks reported bigger gains in lending volume in the fourth quarter of 2025 than in production income. MSR valuations continued to drive servicing income lower. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236815</guid>
      <pubDate>Fri, 06 Mar 2026 12:24:20 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236815-nonbank-earnings-slip-in-4q25-fail-to-match-2024</link>
    </item>
    <item>
      <title>Newrez Margins, Originations Increase in Fourth Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The lender’s gain-on-sale margin increased from 1.14% in the third quarter to 1.50% in the fourth quarter, with a rise in originations to boot. Leaders at the company cautioned that some lenders are gaining market share at the expense of earnings.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236861</guid>
      <pubDate>Fri, 06 Mar 2026 12:20:21 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236861-newrez-increases-margins-originations-in-fourth-quarter</link>
    </item>
    <item>
      <title>Servicers Raise Concerns Over Rising Insurance Costs, Taxes</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Servicers are concerned that unanticipated payment shocks tied to insurance and taxes may lead to an increase in delinquencies.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236858</guid>
      <pubDate>Fri, 06 Mar 2026 12:19:22 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236858-servicers-concerned-over-rising-insurance-and-taxes</link>
    </item>
    <item>
      <title>Mortgage Repurchases by Banks Decline in 4Q</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Repurchase and indemnification activity at banks and thrifts declined by 10.9% from the third to the fourth quarter of 2025. Though for the full year, repurchases increased by 4.8% compared with 2024. (Includes data table.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236825</guid>
      <pubDate>Fri, 06 Mar 2026 12:16:23 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236825-mortgage-repurchases-by-banks-tick-down-in-4q</link>
    </item>
    <item>
      <title>Climate Change Driving Homeowner Migration</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Homeowners are moving away from areas with natural disaster risk due to rising property insurance costs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236855</guid>
      <pubDate>Fri, 06 Mar 2026 12:15:26 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236855-climate-change-driving-homeowner-migration</link>
    </item>
    <item>
      <title>Homeowners Increasingly Turning to BNPL Products</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Many homeowners are leaning on buy now, pay later products to manage their cash flows, according to a new report from JPMorgan Chase.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236860</guid>
      <pubDate>Fri, 06 Mar 2026 12:14:28 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236860-buy-now-pay-later-use-increases-among-homeowners</link>
    </item>
    <item>
      <title>RE/MAX Adjusts Mortgage Unit Amid Tough Market</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[The real estate brokerage adjusted the fee model for its Motto Mortgage business and cut off a number of partners.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236862</guid>
      <pubDate>Fri, 06 Mar 2026 12:13:29 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236862-re-max-adjusts-mortgage-unit-amid-tough-market</link>
    </item>
    <item>
      <title>Grapevine: FASB Considering Accounting Change; NAIC Capital Proposal</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[FASB looking at held-to-maturity hedging; NAIC proposes looser risk-based capital standard for mortgages held by life insurance companies; Better turns to new source of financing; Oregon bank to stop offering mortgages.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236863</guid>
      <pubDate>Fri, 06 Mar 2026 12:12:31 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236863-grapevine-fasb-considering-accounting-change-naic-capital-proposal</link>
    </item>
  </channel>
</rss>
