Welcome to Thought Leadership, your resource for insights and expertise in the mortgage industry. Explore articles, analyses, and interviews covering the latest trends, regulatory updates, and market dynamics. Whether you’re a lender, broker, investor, or industry professional, Chrisman Commentary’s Thought Leadership aims to provide the knowledge needed to navigate the evolving mortgage landscape.
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Insights and perspectives from voices across the mortgage industry, covering trends, policy, and the forces shaping what’s next.
Posted on January 30 I grew up in Queens after immigrating to the United States from India at the age of eight. Queens is a place where hundreds of languages are spoken, where people…
Posted on January 30 Every so often, the mortgage industry finds itself in a moment where politics, policy, and markets collide loudly and all at once. This past week was one of those moments….
Posted on January 29 As we kick off the New Year, affordability remains one of the biggest challenges facing the mortgage industry and the broader housing market. It continues to shape conversations among lenders,…
Posted on January 29 For more than four decades, I have worked at the intersection of housing finance, regulation, and the rule of law, and if there is one constant in mortgage banking, it…
Posted on January 21 Agentic AI, the use of autonomous systems capable of independent decision making in support of customer service and sales efforts, is sneaking up on the mortgage industry. The thought of replacing…
Posted on January 20 Generative artificial intelligence (genAI) did not arrive quietly in the mortgage industry. It burst onto the scene with accelerated timelines and forced uncomfortable questions about relevance, speed, and survival. For…
Posted on January 15 Is There Even a “Referral” Back at All? Dry January? We open 2026 after a couple short week holidays [1] and amid discussion of the inverted food pyramid and challenging…
Posted on January 14 The National Association of Local Housing Finance Agencies has released its 2026 National Policy Agenda, outlining policy priorities aimed at preserving and expanding the tools local housing finance agencies need…
Posted on January 14 The past several weeks have served as a timely reminder that mortgage markets rarely move in clean, linear paths. They respond to a mix of policy signals, shifting supply and…
Posted on January 8 The Federal Open Market Committee, or FOMC, sits at the center of U.S. monetary policy, and the 2026 lineup offers a clear window into how interest rate decisions will be…
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