An aqueous urea formaldehyde resin (UF resin) binder composition comprising the UF resin and from 0.1 to less than 5 wt. % of at least one polymer modifier, based on total solids of the UF resin and the polymer, wherein the polymer modifier is a methacrylic acid polymer that contains at least one acid group which is other than a carboxylic acid group and which is chosen from a phosphite group, hypophosphite group, phosphinate group, diphosphinate group, sulfonate group and combinations thereof, wherein the methacrylic acid polymer is the reaction product of 50 wt. % or more of methacrylic acid, a salt thereof, or mixtures thereof, based on the total weight of monomers used to make the methacrylic acid polymer up to 40 wt %, based on the total weight of monomers used to make the methacrylic acid polymer, of a carboxylic acid group containing monomer group consisting of acrylic acid, itaconic acid and maleic acid or its anhydride, and 4.0 to 25 wt %, based on total weight of monomer used to make the methacrylic acid polymer, of a water soluble phosphorous containing compound having an oxidation state of +3 or +1 or sulfur containing compounds having an oxidation state +4 or +1;
- and,
- further wherein the at least one polymer modifier has a weight average molecular weight of from 2,000 to 16,000.