DAILY COMMENTARY

Published every weekday since 2008

By Rob Chrisman

Friday, July 31, 2026

July 31: Closing, LO jobs; verification, CRA tracking, state-level tax and MGIC webinars, Non-Agency product developments

Rob Chrisman · 14 min read

I am no numerologist, but Freddie Mac’s announcement yesterday, that 30-year mortgage rates are averaging 6.66, caught my attention. Unlike rumors, like the one going […]

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Jul 30

Thu

July 30: UAD 3.6, reverse, AI, co-issue products; Freddie clocks in at $3.8 billion; Morgan Stanley did what in mortgages?

14 min read

Jul 29

Wed

July 29: LO jobs; hedging, credit, anti-fraud tools; STRATMOR on borrower satisfaction; Fannie’s $4 billion earnings quarter

15 min read

Jul 28

Tue

July 28: LO, Tech jobs; verification, HELOC, non-QM broker products; RESPA thoughts; Redwood Trust 2x production

13 min read

Jul 27

Mon

July 27: LO jobs; DSCR, HELOC, market analysis, pricing rule tools; FHA, HUD, Ginnie changes; six D’s worth noting

14 min read

Jul 27

Mon

July 25: Opinions on housing stats, RESPA, the CFPB, and no-merge credit reports; Florida insurance trends

14 min read

Jul 24

Fri

July 24: AE, SVP sales jobs; AI, non-QM products; Deep dive into AI thoughts & opinions; Morgan Stanley interview on risk

14 min read

Jul 23

Thu

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

14 min read

Jul 22

Wed

July 22: AE, broker jobs; Servicing, non-Agency, AI processing tools; Condo turmoil ahead? Traders to buy economic news in advance?

15 min read

Jul 21

Tue

July 21: Tech, LO jobs; HELOC AI, doc analysis, home equity POS products; L1 rebrand; Delinquencies impact rates; live RESPA panel

16 min read

Jul 20

Mon

July 20: LO, AE jobs; verification, servicing, Next-Gen, flood cert products; AI & overall tech adoption

14 min read

Jul 20

Mon

July 18: Thoughts on how best to help LOs, how to view current foreclosures, and how every day is a job interview

14 min read

Jul 17

Fri

July 17: LO jobs; Broker & corresp. products; verification, POS, flood cert. tools; AI governance gaining momentum; vacancy stats

15 min read

Jul 16

Thu

July 16: LO bank jobs; Hedging, data mapping, BER letter, PPE tools; AI ramifications; Atty. Mitch Kider joins Big Picture

15 min read

Jul 15

Wed

July 15: Home equity, verification, asset-based lending, MI tools; Housing demand shift; Fed balance sheet thoughts

16 min read

Jul 14

Tue

July 14: LO jobs; CRA, Call Report, non-QM U/W tools; ROAD to Housing bill viewed; immigration & credit reminder; CPI!

16 min read

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Published every weekday since 2008

July 31: Closing, LO jobs; verification, CRA tracking, state-level tax and MGIC webinars, Non-Agency product developments

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Jul 31 7.31.26 Reverse Mortgages; CATO Institute’s Jai Kedia on the Fed; High Bond Yields

Jul 30 7.30.26 Fannie and Freddie Profitability; ALTA’s Chris Morton on Title Insurance; Fed Takeaways

Jul 29 7.29.26 Around the Mortgage Industry; Experian’s Jamie Norris on Verification Integrations; Fed Decision Day

Jul 28 7.28.27 Updating RESPA; PMSI’s John Walsh on Investor Reporting; Fed Framework

Jul 27 7.27.26 Global Debt; Lower’s Paul Zinn on Retail Lending; Factors Driving Rates