An aqueous modified urea formaldehyde resin (UF resin) binder composition comprising from 2.5 to less than 15 wt. % of at least one emulsion polymer as modifier, based on total solids of the UF resin binder compositions, the emulsion polymer having a pH of from 4 to less than 7.0, wherein the emulsion polymer comprises, in copolymerized form, (i) one or more alkyl esters of (meth)acrylic acid, or a mixture thereof with one or more vinyl aromatic monomers, and (ii) one or more ethylenically unsaturated carboxylic acid group containing monomers, in the amount of from 5 to 25 wt. %, and, further wherein, the emulsion polymer has a measured glass transition temperature as measured by differential scanning calorimetry (DSC) ranging from −40° C. to 70° C.