Today's Commentary · July 23, 2026

July 23: LO jobs; Hedging, VantageScore 4.0, AI accounting, non-QM, reverse products; higher oil, higher rates; Mitch Kider interview

By Rob Chrisman
"We don't necessarily discriminate. We simply exclude certain types of people." (Colonel Gerald Wellman, ROTC Instructor.) Remember when mortgage/real estate CEOs used to say colorful things? I am sure that we will always have that, to one degree or another. Meanwhile, in our industry, the summer plods along. There are only twelve (12) legislative days left until the November election, and today on The Big Picture attorney Mitch Kider and I will discuss what that means for lenders as well as other regulatory topics. Rates aren’t doing much....