Shows / Chrisman Commentary - Daily Mortgage News
Chrisman Commentary - Daily Mortgage News
The Chrisman Commentary podcast provides daily insights into the mortgage industry, covering market trends, capital markets, and regulatory changes. Hosted by Robbie Chrisman, each episode delivers expert analysis and industry perspectives on the forces shaping housing finance. Whether it’s mortgage rates, lending news, or economic shifts, the podcast offers a clear, concise breakdown of the most important developments. More at www.chrismancommentary.com.
Episodes
Chrisman Commentary - Daily Mortgage News11.6.26 Bipartisan Opportunities; Crittora's Doug Long on AI Governance; Credit Modernization
Will Democrats view the midterm results as an opportunity for bipartisan progress rather than a mandate for far-left policies, while addressing affordability…
Chrisman Commentary - Daily Mortgage News11.5.26 Further Midterm Takeaways; True Footage's Jeremy Potter on Valuation Data; Oil and Inflation
Markets see conditions supportive of lower mortgage rates by curbing deficit-driven spending, though resilient economic data and labor market strength could…
Chrisman Commentary - Daily Mortgage News11.4.26 Blue Wave Midterms; FirstClose's John Aslanian on Home Equity Platforms; Data, Data, Data
Markets view a Democratic sweep as potentially favorable for mortgage rates by limiting deficit-financed spending and tax cuts that could push Treasury yields…
Chrisman Commentary - Daily Mortgage News11.3.26 Election Day; Polunsky Beitel Green's Marty Green on Housing Policy; Oil and Rates
While election outcomes may indirectly affect mortgage rates through political uncertainty, foreign policy, and regulatory priorities, the more immediate…
Chrisman Commentary - Daily Mortgage News11.2.26 M&A Continues; Keynova's Beth Robertson on Home Equity Experience; Midterm Week
HELOCs and second mortgages are gaining traction as non-bank lenders capture increasing market share and leverage home equity products for customer recapture…
Chrisman Commentary - Daily Mortgage News10.30.26 Shifting Clocks, Shifting Priorities; ACI Worldwide's Tom Warsop on Payments; FOMC Framework
The debate over eliminating daylight saving time continues as supporters favor simpler timekeeping and more evening daylight, while opponents warn that…
Chrisman Commentary - Daily Mortgage News10.29.26 Fed Reaction; Sela's Nate Becker on Voice Agents; Economic Data Swath
As mortgage lenders increasingly explore AI for tasks such as underwriting, Anthropic’s warning that highly autonomous AI systems could pose catastrophic risks…
Chrisman Commentary - Daily Mortgage News10.28.26 Fannie Mae Earnings; Steve Richman on Mortgage Industry Growth; Fed Decision Day
While inflation remains uneven despite eye-catching bargains like Costco’s $5.99 pumpkin pie, rising everyday costs continue to pressure mortgage rates, and…
Chrisman Commentary - Daily Mortgage News10.27.26 Origination Costs; Areal’s Argun Kilic on Automation; Second Guess the Fed
In a shrinking residential market, IMBs must strategically avoid price wars with banks and credit unions by capping origination fees or loan officer…
Chrisman Commentary - Daily Mortgage News10.26.26 Politics and Lending; Stellar Innovations' Anish Thomas on Fulfillment; Competing Rate Forces
U.S. Treasury and agency MBS markets face heightened volatility as AI-related credit concerns spur safe-haven demand, while persistent inflation, elevated oil…
Chrisman Commentary - Daily Mortgage News10.23.26 Trump's Executive Order; Former FHA Commissioner Frank Cassidy on Housing; Price Correlations
President Trump’s executive order aims to reduce housing and mortgage costs by directing federal agencies to develop a pilot program for proactive mortgage…
Chrisman Commentary - Daily Mortgage News10.22.26 Administration Tactics; Experian’s Ryan Rosales on Verification; Housing Market Pressures
The White House is reportedly considering measures to improve affordability by easing mortgage insurance cancellations, expanding GSE title insurance programs…
Chrisman Commentary - Daily Mortgage News10.21.26 Electronic Mailbag; Knock's Sean Black on Buy Before You Sell; Treasury Risk Haven
MBA Homebase now allows loan officers to access industry education, coaching, and professional development regardless of their employer’s membership status…
Chrisman Commentary - Daily Mortgage News10.20.26 AI Financing Boom; NFTYDoor's Tim Rowan on Home Equity; Housing Health
Fraud remains a serious and growing concern, with AI making it easier to create fraudulent documents and increasing the need for reliable verification…
Chrisman Commentary - Daily Mortgage News10.19.26 Advertising Versus Marketing; AngelAi’s Pavan Agarwal on Automation; Bond Movement
Effective marketing requires understanding consumer behavior and recognizing that advertising is only one component of marketing, with AI increasingly playing…
Chrisman Commentary - Daily Mortgage News10.16.26 National Takeaways; Realtor Arrian Binnings on Originator Relationships; Safe Haven Trade
The mortgage industry faces mounting pressure as the MBA projects 2027 mortgage production will decline 5% from 2026 and fall below $2 trillion, prompting…
Chrisman Commentary - Daily Mortgage News10.15.26 Demo Day; Polunsky Beitel Green's Andy Duane and Tye McWhorter on DSCR; Wholesale Inflation
The MBA’s 2026 policy roadmap proposes targeted administrative and regulatory changes to improve housing affordability without congressional action, including…
Chrisman Commentary - Daily Mortgage News10.14.26 Credit Scoring; Owen Lee on MBA; Restrictive Financial Conditions
The mortgage industry is increasingly adopting VantageScore 4.0 as FHFA reforms expand its use in Fannie Mae and Freddie Mac lending, potentially improving…
Chrisman Commentary - Daily Mortgage News10.13.26 National Storylines; nCino's Casey Williams on Process Friction; Incoming Data
The mortgage industry is balancing technological optimism with growing concerns about privacy, accountability, and leadership. As AI tools like AddyAI…
Chrisman Commentary - Daily Mortgage News10.12.26 MBA National Storylines; Saul Ewing's Jason McElroy on the Telephone Consumer Protection Act; Bond Markets Closed
The housing and mortgage industry faces a mix of long-term opportunity, near-term affordability challenges, and economic uncertainty. With 132.7 million…
Chrisman Commentary - Daily Mortgage News10.9.26 Economic Strength; Floify's Maggie Swanson on Customizable Loan Apps; Prepayment Data
While U.S. stock market strength remains concentrated in the highly profitable "Magnificent Seven" tech companies, mortgage demand continues to weaken, with…
Chrisman Commentary - Daily Mortgage News10.8.26 Trivia Night; Gather Markets’ Wayne Brown on CRA-Eligible Loans; Pushing Rates
With about 10,000 Americans turning 62 each day, companies should consider offering HECM products, especially as mortgage origination volumes are expected to…
Chrisman Commentary - Daily Mortgage News10.7.26 Headlines Into Annual; Ralo's Arjun Lalwani on Anthrotech Intersections; Fundamentals and Valuations
Ahead of next week’s National MBA conference, the mortgage industry is seeing heightened uncertainty, including layoffs, shifting Fannie/Freddie market-share…
Chrisman Commentary - Daily Mortgage News10.6.26 Uncertain Outlook; Polly’s Adam Carmel on PollyOS/Hedge; Rate Pressures
Mortgage markets face a challenging outlook, with industry uncertainty, lender/vendor tensions, and persistent inflationary pressures from oil, deficits…
Chrisman Commentary - Daily Mortgage News10.5.26 Demographics and Financial Literacy; Mortgage Education Institute's Andrew Conner on CE; MBS Issuance
There is a significant opportunity for lenders to expand the pool of potential homebuyers by better understanding and addressing the financial anxiety…
Chrisman Commentary - Daily Mortgage News10.2.26 Industry Chatter; Eris Innovations' Geoffrey Sharp on Options; Poor Payrolls Friday
U.S. home prices have far outpaced inflation since 2011 while income gains have been more uneven, highlighting worsening affordability and inequality, as FHFA…
Chrisman Commentary - Daily Mortgage News10.1.26 Fourth Quarter Changes; Gateless' Mike Brown on Automated Decisioning; Fed Chatter Abounds
Q4 opens with heightened uncertainty and industry change, from accelerating lender/company transitions and New York Life Investment Management taking majority…
Chrisman Commentary - Daily Mortgage News9.30.26 Industry Mailbag; Fairway Independent's Steve Jacobson on Pivots and Presence; Sell First
We start by looking at three unresolved issues: the tradeoff between housing affordability and protecting existing homeowners, potential ethical concerns…
Chrisman Commentary - Daily Mortgage News9.29.26 Hispanic Homeownership; Maxwell’s John Paasonen and PLACE’s Chris Stuart on Housing Ecosystems; Selling Pressures
Despite a record-low Hispanic poverty rate of 13.9 percent in 2025, down from 21.9 percent in 1973, Hispanics remain disproportionately affected by poverty and…
Chrisman Commentary - Daily Mortgage News9.28.26 Conference Activities; Falcon Capital Advisors' Sam Valverde on Rate Environment; Buydown Attractiveness
Treasury yields’ surge to nearly two-decade highs increasingly looks like a structural repricing rather than a temporary selloff, as hawkish Fed policy…
Chrisman Commentary - Daily Mortgage News9.25.26 NEXA's Mike Kortas on Rumors; Spring EQ's Reno Heine on Non QM; Talking Rates Up or Down
As NEXA has grown it has been under a microscope by those outside the company. Questions range from its compensation model and recruiting practices to its…
Chrisman Commentary - Daily Mortgage News9.24.26 Servicing Primer; KBW's Bose George on Market Dynamics; Sell Off Sell Off
Focusing on traditional refinances is a strategic mistake for the mortgage industry, as shifting demographics like aging Boomers and wealth transfers demand…
Chrisman Commentary - Daily Mortgage News9.23.26 Philanthropy and Appraisals, Castor Financial's Brooks Champagne on Account Executive Compensation; MSR Warning Signs
Major financial contributions from philanthropic organizations and corporate leaders, such as Freedom Mortgage CEO Stan Middleman's $50 million gift to Penn…
Chrisman Commentary - Daily Mortgage News9.22.26 Builder Business; BSI's Larry Goldstone on Servicing; Fed Path Forward
To protect the valuation of existing subdivision inventories, homebuilders like Lennar are increasingly relying on costly interest rate buy-downs instead of…
Chrisman Commentary - Daily Mortgage News9.21.26 Treasury Price Discovery; Balerion’s Naren Krishna on AI Underwriting; Economic Calendar Ahead
Led by Chair Kevin Warsh, the Federal Open Market Committee raised the federal funds rate to 3.75–4 percent amid stubborn inflation, causing the 10-year…
Chrisman Commentary - Daily Mortgage News9.18.26 MBS Portfolio Convexity; Cinchy's J. Paul Haynes on Cybersecurity; Further Fed Reaction
Ginnie Mae’s MBS portfolio surpassed $3 trillion in August 2026 as issuance remained strong, while rising mortgage rates have left roughly 98% of 30-year…
Chrisman Commentary - Daily Mortgage News9.17.26 Fed Decisioning; Mortgage Nerd Group’s Denise Donoghue on Broker Channel; Resilient Economic Data
The Fed’s anticipated 25-basis point hike to 3.75%–4.00% was less consequential than its increasingly hawkish outlook, with 16 of 18 policymakers projecting at…
Chrisman Commentary - Daily Mortgage News9.16.26 Tornado Alley; Lender Price's Maddi Sievers on Demos; Fed Decision Day
Genstar Capital and Aksia have made a strategic growth investment in Denver-based Richey May, providing capital to accelerate the accounting and advisory…
Chrisman Commentary - Daily Mortgage News9.15.26 Around the Industry; FirstClose’s Adam Nicholson on Cycle Times; Treasury Yield Patterns
Driven by near-year-high interest rates and a lack of borrower incentive, a broadening slowdown in MBA mortgage applications is being led by a sharp…
Chrisman Commentary - Daily Mortgage News9.14.26 Consumer Strength; mLoop's Ellen Duncan on LO Movement; Fed Week
Despite consumer challenges, housing demand remains resilient, with record homeowner equity and rapidly growing borrowing activity increasingly being captured…
Chrisman Commentary - Daily Mortgage News9.11.26 Prepayment Speeds; Agile's Greg Vacura on TBA Trading; CPI Inflation
August prepayments strengthened the view that the 2026 refinance wave has peaked, with Fannie 30-year speeds falling 12 percent to 7.1 CPR and Ginnie II also…
Chrisman Commentary - Daily Mortgage News9.10.26 Credit Score Models; UWM's Mat Ishbia on Growth Strategy; Treasury Technicals
Private mortgage insurers say they are operationally and financially prepared for the transition to VantageScore 4.0, but lenders will need to ensure their…
Chrisman Commentary - Daily Mortgage News9.9.26 Conforming Loan Limits; Curinos' Ken Flaherty and Rich Martin on Market Trends; Specified Payups
Rocket is again getting ahead of FHFA by raising conforming loan limits early, potentially to around $853,400, giving lenders a competitive opportunity to…
Chrisman Commentary - Daily Mortgage News9.8.26 Vantage Adoption; PCV Murcor's David Schiffmayer on UAD 3.6; CPI and PPI
FICO shares fell 17 percent after FHFA Director Bill Pulte immediately expanded mortgage-lender access to rival VantageScore, intensifying competition and…
Chrisman Commentary - Daily Mortgage News9.4.26 Aging Borrower Population; RETR’s Steven Wynands on Datasets; Payrolls Friday
The world is aging at an unprecedented pace, with the U.S. share of adults 65+ projected to rise from 18.9 percent in 2025 to 23.4 percent by 2060, signaling…
Chrisman Commentary - Daily Mortgage News9.3.26 Industry Tidbits; NRMLA's Steve Irwin on Reverse Mortgages; Bonds Quieting Down
Rocket Mortgage is aggressively targeting UWM brokers with its “Moving Squad” program and $10,000 referral bonuses amid RESPA compliance questions, while NEXA…
Chrisman Commentary - Daily Mortgage News9.2.26 Nuances of Affordability; Lender Toolkit's Brett Brumley on Technology; Rates Not Friendly
A global government-bond sell-off, fueled by heavy borrowing, widening deficits, persistent inflation, and surging corporate debt issuance tied to AI…
Chrisman Commentary - Daily Mortgage News9.1.26 Fun With Numbers; Zillow's Meg McGrath Vaccaro on Origination at Search; MSR Historicals
As Q3 2026 progresses amid weak homebuying demand, stubborn rates, and roughly $11K origination costs, lenders are focused on improving pull-through while…
Chrisman Commentary - Daily Mortgage News8.31.26 Fair Housing Update; Two Dots’ Henson Orser on Underwriting; Warsh's Birdsong
More than 100 community-based fair housing organizations facing potential funding cuts received a reprieve after a federal judge in Massachusetts blocked HUD’s…
Chrisman Commentary - Daily Mortgage News8.28.26 Originators and Technology; Figure's Alysse Guitar on Marketing; Jackson Hole Symposium
Mortgage innovation should focus not on digitizing outdated workflows, but on rethinking the loan lifecycle around trusted data, intelligent decisioning…
Chrisman Commentary - Daily Mortgage News8.27.26 Industry Calendar; MIAC's Dan Libby on MSR Analysis; Caution Abounds
The mortgage industry has a packed schedule of conferences and events from September 2026 through June 2027, covering lending, compliance, AI, technology…
Chrisman Commentary - Daily Mortgage News8.26.26 Borrower Relationships; Experian’s Michele Bodda on Modern Scoring; Rate Pressures
The mortgage industry is increasingly recognizing that the homeowner relationship should extend well beyond origination, using servicing, home equity…
Chrisman Commentary - Daily Mortgage News8.25.26 Wonders of Technology; Deluxe's Adria Liss on Home Buyer Protection; Long Bond Chatter
Technology is transforming industries while creating new risks around AI’s impact on education, liability, and accountability, leaving lenders to determine how…
Chrisman Commentary - Daily Mortgage News8.24.26 DC Movers and Shakers; Tidalwave's Chris McLendon on Agentics; Treasury Intervention
Mortgage servicing can create significant wealth, so concentration risk matters, especially as sharp declines in Fannie Mae and Freddie Mac shares and…
Chrisman Commentary - Daily Mortgage News8.21.26 Originators Helping Borrowers; NonQMVerifi’s Danny Flucke on Qualification; Pulling Bond Support
Prospective homebuyers should focus on what they can control: saving as much as possible for a down payment, distinguishing needs from wants, considering more…
Chrisman Commentary - Daily Mortgage News8.20.26 Follow the Money; Renovo Financial’s James Gaskin on Relationships; U.S. Security Demand
The broader “follow the money” theme is hard to ignore: U.S. national debt has surpassed $40 trillion while lawmakers are questioning whether a significantly…
Chrisman Commentary - Daily Mortgage News8.19.26 Loan Production Costs; Polly's Brandon Story on Capital Markets Tech; Long Bond Rising
Mortgage lenders continued their recovery in Q2 2026, with average production profits rising to $973 per loan and 85 percent of surveyed companies remaining…
Chrisman Commentary - Daily Mortgage News8.18.26 Servicing Disasters; Yardi's Doug Ressler on Home Ownership Trends; Fed on Hold
Extreme weather patterns are increasingly shifting where property and insurance risks are concentrated, with drought worsening in the West and Midwest while…
Chrisman Commentary - Daily Mortgage News8.17.26 Escrows and Midterms; Bipartisan Policy Center’s Emma Waters on Housing Reform; Rate Review
The administration is advancing a wide range of controversial housing and credit proposals while Congress has largely shifted to campaigning, leaving federal…
Chrisman Commentary - Daily Mortgage News8.14.26 Wages Versus Inflation; UpPayment recipient Tiffany Bauldwin on Home Ownership; Treasury Demand
Homeownership remains fundamentally tied to stable employment and household cash flow, yet with prices up 23 percent versus 22 percent wage growth since 2021…