“I was watching Jurassic park the other day when I thought, "Not only does my son have a really stupid name, he´s also a terrible driver.” The movie’s lesson was that just because scientists and IT people can do something, doesn’t mean they should do it. ChatGPT can now connect to your bank account and see all your transactions. Any questions? Plenty. One of the discussion topics here in New York at the MBA conference is, just like every other conference, artificial intelligence, and one of the questions is, “Who’s accountable if something goes wrong?” Any one of us in capital markets will tell you that, in the case of Freddie, Fannie, investors, and so on, lenders are held ultimately accountable for anything that goes wrong. In the event of a buyback, or default, a lender can’t point at an AI vendor and say, “You cover the losses.” Make sure that with any software that you buy you know where it came from and how it was designed, and ask lots of “what if” questions. Sprinkling some AI fairy dust over some legacy technology that is years old can cause serious issues. (Today’s podcast can be found here and this week’s ‘casts are sponsored by TransUnion. Discover how data-driven mortgage intelligence is helping lenders identify in-market borrowers, strengthen portfolio performance, personalize outreach, retain customers, and drive smarter growth in an increasingly competitive housing market. Today’s has an interview with Acrisure’s Kristen Britton on how lenders are balancing speed, automation, fraud prevention, and human oversight as remote closings reshape mortgage risk, identity verification, and the future framework of trust in digital transactions.)
Transitions
ServiceLink, a provider of tech-enabled services for all phases of the mortgage lifecycle, welcomes 10-year vet Ryan Reaves as a vice president, national sales executive within its default division. Ryan, given his experience in property preservation and default title, will be responsible for strengthening key client relationships and developing new partnerships across field services, auction, REO asset management, default title and valuation and servicing support solutions.
Point has hired industry leader and 20+ year vet Samuel Bjelac as its Head of Wholesale to lead a brand-new third-party origination channel for the company. “With the channel launch, mortgage professionals will now be able to broker Point’s home equity investment (HEI), giving customers more options to access their home equity. Mr. Bjelac has a track record of building and scaling high-growth lending channels across wholesale, correspondent, and non-QM markets.” Congratulations
The Chrisman Job Board is the go-to platform for employment opportunities across the mortgage industry. For employers, adding a job listing is easy. Simply create an account and drop in your existing application link, or forward the details to our team and we’ll take care of it for you. For job seekers, joining our Talent Community is completely free. Upload your resume to be visible to hiring companies across the industry and stay connected to new opportunities as they go live.
Lender and broker products, software, & services
The ICE 2026 Borrower Insights Survey shows a 10 percent year-over-year drop in borrowers who say they are definitely satisfied with communication with their mortgage servicer. Pair that with the survey finding that 96 percent of borrowers say personalized communications remain important to them. These findings suggest servicers need tools that go beyond basic payment processing and to deliver relevant, timely outreach that satisfies borrowers and supports retention. ICE Servicing Digital offers the communication tools to help turn transactional relationships into lasting ones, including surfacing personalized refinance scenarios, current rates and tappable equity alerts directly to borrowers. Read the blog for more insights into borrower communication preferences and how to strengthen borrower relationships.
“In subservicing, plenty of subservicers talk about performance. Very few are willing to show it. At Servbank, we take a different approach. We believe transparency starts with real numbers, not promises or marketing language. That’s why we’ve launched our new Subservicing Stats page, where our servicing performance is published publicly for anyone to see. No spin. No storytelling. Just real data, real results, and real accountability. Because when you believe in the work you do, you don’t hide it, you put it on display. View the stats and read the story here.”
Mortgage fraud continues to be a hot topic in the industry and it’s imperative to stay up to date with the latest trends. On June 3 at 10am PT, join experts from Cotality and ACES Quality Management at the Cotality Fraud Summit, a must-attend virtual event designed for mortgage lenders, servicers and risk professionals who need practical strategies to detect, prevent, and respond to evolving fraud threats. From synthetic identity and income manipulation to emerging AI-driven schemes, today’s risk landscape is more complex and costly than ever. The Cotality Fraud Summit brings together experts across data, analytics, and operations to share real-world insights, actionable best practices and technology-driven solutions that help you stay ahead of risk without slowing down your pipeline. Attendees will gain perspective on fraud and compliance best practices, and how advanced data and intelligence can strengthen decisioning across the loan lifecycle. If protecting margins, preserving borrower trust and safeguarding your organization are priorities in 2026, this event belongs on your calendar. Register here.
CIC Credit is helping lenders navigate the fast-moving spring homebuying season with smarter, more confident credit decisions. As borrower activity ramps up in May, speed, accuracy, and flexibility matter more than ever. According to the ServiceLink 2026 State of Homebuying Report, 43 percent of loan officers said borrowers expect to close within two weeks or less, while faster approvals and response times remain top borrower demands. At the same time, affordability concerns and evolving borrower profiles continue to challenge underwriting teams. CIC Credit gives lenders access to multiple bureau and data source options so they can compare, combine, and choose the right data source for every loan scenario without changing platforms. The result: streamlined workflows, faster decisions, and greater confidence during one of the busiest lending seasons of the year. Right Data. Right Source. Smarter Credit Decisions. Connect with CIC Credit at sales@ciccredit.com.
Less back-and-forth. More first-time-right verifications. Truework replaces manual verification waterfalls with a single automated platform, so underwriters, LOs, and ops can cut down the document chasing, conflicting numbers, and last-minute corrections. Lenders see up to 50 percent cost savings on verifications, with faster turn times, higher accuracy, and stronger R&W relief. Trusted by top lenders in the U.S., Truework gives your team verification results they can rely on. Learn more.
Execution of government loans that fall outside standard investor channels shouldn’t be the bottleneck in your secondary strategy. The right scratch and dent partner brings product depth, consistent execution and an investor network that opens doors, not one that limits them. The Click n’ Close Whole Loan Trading division delivers across FHA, VA, USDA, One-Time Close construction, and Section 184, supported by direct relationships with Ginnie Mae and a network of private investors. To accelerate the growth of the division, Click n’ Close has engaged Christy Soukhamneut and Launch Point Advisory Group. Soukhamneut brings nearly three decades of leadership in correspondent lending and secondary market strategy. If you’re rethinking your execution partners, it’s worth a closer look. Connect with Christy Soukhamneut or your Click n’ Close Correspondent Account Executive.
If it’s so smart, why doesn’t AI give the same answer every time? LoanCraft recently submitted the same credit file to identical AI models and got three completely different results. In its series in "The Art of Lending," LoanCraft considers the dramatic change that AI brings to lenders due to this non-deterministic nature. Unlike traditional software that guarantees identical outputs for the same inputs 100 percent of the time, AI results vary. To manage this risk, lenders must define acceptable boundaries of inconsistency while strictly prohibiting systematic bias, data drift, and adversarial manipulation. Lenders must invest in continuous, high-volume testing tools (like Monte Carlo simulations and automated "Challenger" models) and testing will become a bigger expense than developing. Ultimately, lenders can capture immense efficiencies from AI if they maintain strict acceptance standards and commit to rigorous testing. For this helpful and thought-provoking analysis on AI's algorithmic consistency, visit The Art of Lending.
Your pipeline isn't the problem. Your visibility is. Sales leaders are accountable for numbers they can't always see. Leads come in from multiple sources, originators work them inconsistently, and by the time you spot a bottleneck, the opportunity is already gone. Last week, Total Expert announced enhanced Lead Management capabilities, which give users full pipeline visibility, intelligent routing, and automated follow-up. When teams can execute consistently, you don’t have to spend time chasing down updates. See exactly where leads are, who's working them, and where deals have stalled. Then fix it before it costs you. "Our teams know who to contact, when to act, and how to move leads forward without guessing, all from a single view." said Alec Picinich, Marketing Manager at USA Mortgage. Stop letting leads gather dust.
The Chrisman Marketplace is a centralized hub for vendors and service providers across the mortgage industry to be viewed by lenders in a very cost-effective manner. We’re adding new providers daily, so check back often to see what’s new. To reserve your place or learn more, contact us at info@chrismancommentary.com.
Live from New York City!
The roasting temperatures here in Manhattan aside, put a thousand mortgage folks in one place, and stuff happens, and not only in capital markets developments.
Today on Mortgage Law Today at 2PM ET, powered by Polunsky Beitel Green, Brian Levy, Loretta Salzano, and Marty Green are joined by Monika McCarthy and Tela Mathias to discuss the legal and compliance realities of AI in mortgage. The conversation explores governance, vendor oversight, consumer data usage, and evolving regulatory expectations.
And on tomorrow’s Credit Committee at 3PM ET, powered by Equifax, host Rob Chrisman will be joined by representatives from each of the national credit reporting agencies for a discussion on the unintended risks of mortgage credit cost-cutting initiatives, examining how tri-merge data, credit scoring models, cybersecurity investments, regulatory pressures, and evolving bureau practices impact consumer access, lender repurchase risk, loan quality, and the long-term stability of the secondary mortgage market.
While lenders and clients are faced with higher rates due to war and oil prices, on a large scale, improved affordability continues to be the keystone in many of the changes we can expect to see in our biz. Fortunately, our MBA is at the heart of many of the initiatives and correcting erroneous information. For example, the median first-time homebuyer is still between 32 and 34 years old, basically unchanged for more than a decade.
The President issued a pair of executive orders in March to promote affordability in the housing market, including “ordering” federal agencies to issue new rules that lower costs and increase access to mortgage credit. MBA CEO Bob Broeksmit states, “A lot of burdensome regulations need to change. Especially the ones that increase costs without providing much benefit or protection to Americans.
“An obvious example is the Loan Officer Compensation Rule. It prevents lenders from offering better terms to potential customers who are shopping for the most competitive offer. That’s an easy way to lower costs, yet it’s illegal. There’s also the Qualified Mortgage Rule. While it’s very effective and well-crafted overall, it still needs targeted changes so lenders can offer streamlined refinances on Fannie and Freddie loans. And then there are certain TRID requirements, which have huge compliance costs for no good reason.”
What MLOs should know about AI and its governance
I’ve spent some time here in Manhattan with Brian Vieaux, President of MISMO, who recently sent a note with an AI warning. “Artificial intelligence is no longer a future discussion for the mortgage industry. It is already embedded throughout the mortgage process. Mortgage companies of all sizes utilize AI-enabled tools for document review, borrower communication, fraud detection, quality control, marketing, servicing workflows, and employee productivity. In many cases, lenders are not intentionally ‘buying AI.’ They are inheriting it through the platforms and systems they already use every day.
“For the industry’s largest institutions, building internal AI governance structures may be manageable. For many independent mortgage banks, community lenders, and mortgage brokerages, it is a much greater challenge. Most smaller organizations do not have dedicated AI governance teams, model risk management groups, or large compliance staffs focused solely on emerging technologies.
“That gap is exactly why the Mortgage Bankers Association’s Residential Board of Governors (RESBOG) identified the development of an industry AI governance framework as one of its top priorities for 2026. In partnership with RESBOG, a dedicated group within MISMO’s AI Community of Practice has spent the past several months developing MISMO FRAME (Framework for Responsible AI in Mortgage Ecosystem). FRAME is designed to provide mortgage companies with a practical toolkit for governing the responsible use of AI.
“FRAME does not create new regulations. Existing laws and regulations already apply to AI systems. Instead, it is intended to help lenders operationalize those obligations through practical implementation guidance tailored specifically for mortgage companies. FRAME will include implementation tools such as AI system inventories, governance policy templates, vendor risk assessment guidance, AI system risk assessments, and generative AI governance considerations.
“One of the most important aspects of this effort is vendor oversight. Most mortgage companies are not building AI systems internally. They are relying on AI-enabled capabilities embedded within loan origination systems, CRM platforms, servicing technologies, and other third-party tools. Even if a lender does not own the model, the lender still owns the outcome. FRAME will be discussed during MISMO’s Spring Summit in Louisville, Kentucky, June 1–4, before broader availability to MISMO member companies later this summer. Anyone interested in learning more about MISMO FRAME can contact me directly at bvieaux@mba.org.” Thank you, Brian.
Capital markets: at least the ARM market is doing well
Oil at $111 a barrel? Yup. In addition, the markets continue to grapple with uncertainty following the U.S.-China summit, where the primary unresolved issues remain global energy supply disruptions and Taiwan. While no immediate breakthroughs were expected, the lack of clarity leaves investors focused on inflationary pressures tied to energy costs and whether consumers can continue absorbing higher gasoline prices as the summer driving season begins (maybe it won’t materialize, similar to the spring home buying season…).
Want some good news? Agency adjustable-rate mortgage (ARM) issuance is on pace to reach its highest level in more than a decade in 2026, driven primarily by a steepening Treasury yield curve, persistent inflation concerns, and rising long-term interest rates that are making fixed-rate mortgages less attractive. Although overall Agency MBS supply is expected to remain roughly stable, ARM issuance could more than double from last year as lenders and borrowers increasingly gravitate toward products with lower initial rates, particularly among high-credit-quality borrowers who now dominate the ARM market following stricter post-2008 underwriting standards.
Unlike the pre-financial-crisis era, today’s ARMs are tied to SOFR rather than LIBOR, reprice more frequently, and require borrowers to qualify at fully indexed rates, making the product structurally safer but still highly sensitive to the shape of the yield curve. The outlook for ARM growth ultimately hinges on whether inflation, fiscal deficits, and geopolitical pressures continue pushing long-term yields higher even as the Federal Reserve remains constrained on short-term rates, a dynamic that has already produced a significant bear steepening in the Treasury curve and could further increase demand for adjustable-rate financing in the years ahead.
Just how durable is the recent bond selloff? It's a good question, as the reality of higher rates is settling in with lenders. While higher yields are beginning to look increasingly attractive to sidelined bond investors (but not sidelined home buyers), there isn’t really a near-term catalyst for a sustained reversal, particularly as concerns surrounding oil supply disruptions and volatile geopolitical headlines continue to overshadow traditional fundamentals. Yield curve steepening has accelerated, and any further breakout could trigger broader repricing across risk assets. Investors increasingly expect a period of consolidation in rates, with markets balancing signs of economic resilience against growing consumer pressure from sustained high gasoline prices and ongoing uncertainty surrounding global trade and geopolitical negotiations.
Today’s economic calendar kicked off with ADP Employment (for the four weeks ending May 2, U.S. private employers added an average of 42,250 jobs per week). Later today brings Redbook same store sales, April Pending Home Sales, and Fed “speak” from members Waller, Paulson, and Venable. We begin Tuesday with Agency MBS prices unchanged from Monday’s close, the 2-year yielding 4.08, and the 10-year yielding 4.62 after closing yesterday at 4.62 percent.
I called my wife and told her that I'll pick up Pizza and Coke on the way back from work.
But it seems she was not happy.
She still regrets letting me name the kids.
Visit www.ChrismanCommentary.com for more information on our industry partners, access archived commentaries, or subscribe to the Daily Mortgage News and Commentary. You can also explore the Chrisman Marketplace, a centralized hub connecting mortgage professionals with trusted vendors and solutions. If you’re interested, check out my periodic blog on the STRATMOR Group website. This month’s piece is titled, “Mortgage Rates Are Not Random.” The Commentary’s podcast is available on all major platforms, including Apple and Spotify.
qoɹ & ǝᴉqqoɹ
(Market data provided in partnership with MBS Live. For free job postings and to view candidate resumes, visit the Chrisman Job Board. This newsletter is intended for sophisticated mortgage professionals only. There are no paid endorsements by me. For the latest mortgage news, visit Mortgage News Daily. For archived commentaries, or to subscribe, go to www.ChrismanCommentary.com. Copyright 2026 Chrisman LLC. All rights reserved. Paid job & product listings do appear. This report or any portion hereof may not be reprinted, sold, or redistributed without the written consent of Rob Chrisman. The views and opinions in this newsletter are mine alone unless otherwise specifically stated herein.)
<p>In today’s episode, we go through the shifting production composition as the yield curve steepens. Plus, Robbie sits down with Acrisure’s Kristen Britton for a discussion on how lenders are balancing speed, automation, fraud prevention, and human oversight as remote closings reshape mortgage risk, identity verification, and the future framework of trust in digital transactions. And we close by looking at the shifting fundamentals in the bond market.</p><p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>This week’s podcasts are sponsored by TransUnion. Discover how data-driven mortgage intelligence is helping lenders identify in-market borrowers, strengthen portfolio performance, personalize outreach, retain customers, and drive smarter growth in an increasingly competitive housing market.</p>
<p>In today’s episode, we go through the costs of home ownership across major metropolitan areas. Plus, Robbie sits down with Lower’s Craig Montgomery for a discussion on how strategic leadership is shaping lender growth in 2026 through effective team building, evolving production trends, competitive retail execution, and strong real estate agent relationships. And we close by looking at the shifting narrative surrounding Fed policy. </p><p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>This week’s podcasts are sponsored by TransUnion. Discover how data-driven mortgage intelligence is helping lenders identify in-market borrowers, strengthen portfolio performance, personalize outreach, retain customers, and drive smarter growth in an increasingly competitive housing market.</p>
<p>In today’s episode, we go through the most up-to-date delinquency statistics from MBA. Plus, Robbie sits down with Click n' Close’s Delores Lopes for a discussion on the role of a COO in this technological age, as well as women in leadership roles. And we close by summarizing the week that was.</p><p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>Today’s podcast is brought to you by nCino. As conversations kick off this week at nSight 2026, mortgage professionals are exploring the technologies and strategies redefining origination experiences and transforming lead-to-loan economics. The nCino Mortgage Suite — Mortgage Point of Sale, Mortgage Analytics, and Incentive Compensation — helps lenders connect operations, insights, and borrower engagement in one modern platform. Learn more at nCino.com/mortgage.</p>
<p>In today’s episode, we go through the recent performance of mortgage-backed securities (MBS). Plus, Robbie sits down with Flex’s Ryan Metcalf for a discussion on how financial fragility is reshaping the foundation of homeownership demand, challenging traditional credit models, and forcing lenders and policymakers to rethink risk, readiness, and the role of demand-side solutions. And we close by walking through consumer consumption characteristics.</p><p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>Today’s podcast is brought to you by nCino. As conversations kick off this week at nSight 2026, mortgage professionals are exploring the technologies and strategies redefining origination experiences and transforming lead-to-loan economics. The nCino Mortgage Suite — Mortgage Point of Sale, Mortgage Analytics, and Incentive Compensation — helps lenders connect operations, insights, and borrower engagement in one modern platform. Learn more at nCino.com/mortgage.</p>
<p>In today’s episode, we go through the Federal Reserve's dual-mandate balancing act. Plus, Robbie sits down with nCino’s Chris Gufford for a discussion on how AI is moving beyond hype to deliver measurable gains in mortgage operations, borrower experience, and loan officer productivity, while reshaping how forward-looking lenders reengineer their processes for the next phase of industry transformation. And we close by examining inflation at the wholesale level.</p><p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>Today’s podcast is brought to you by nCino. As conversations kick off this week at nSight 2026, mortgage professionals are exploring the technologies and strategies redefining origination experiences and transforming lead-to-loan economics. The nCino Mortgage Suite — Mortgage Point of Sale, Mortgage Analytics, and Incentive Compensation — helps lenders connect operations, insights, and borrower engagement in one modern platform. Learn more at nCino.com/mortgage.</p>
<p>In today’s episode, we go through what sort of profitability and volume some of the larger players in the mortgage industry are doing. Plus, Robbie sits down with Truework’s Ethan Winchell for a discussion on how rising income volatility is reshaping homebuyer eligibility and what lenders must do to adapt to a more complex and less predictable income landscape. And we close by examining the latest inflation figures, which came in hot.</p><p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>Today’s podcast is brought to you by nCino. As conversations kick off this week at nSight 2026, mortgage professionals are exploring the technologies and strategies redefining origination experiences and transforming lead-to-loan economics. The nCino Mortgage Suite — Mortgage Point of Sale, Mortgage Analytics, and Incentive Compensation — helps lenders connect operations, insights, and borrower engagement in one modern platform. Learn more at nCino.com/mortgage.</p><p><br /></p>
<p>In today’s episode, we go through what to look forward to from MBA's Annual Secondary and Capital Markets conference in New York. Plus, Robbie sits down with Eris Innovations’ Geoffrey Sharp for a discussion on how to hedge non-Agency production, which has historically been difficult because these loans lack a liquid, standardized forward market (like the TBA market for agency loans) and carry high levels of prepayment, credit, and basis risk. And we close by examining reaction to non-farm payrolls as it pertains to U.S. economic growth.</p><p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>Today’s podcast is brought to you by nCino. As the mortgage industry prepares for nSight 2026 this week, lenders are looking for new ways to work more efficiently and intelligently across the homeownership journey. The nCino Mortgage Suite — including Mortgage Point of Sale, Mortgage Analytics, and Incentive Compensation — helps unite the people, systems, and stages of modern mortgage lending. Learn more at nCino.com/mortgage.</p>
<p>In today’s episode, we go through a primer on how current market gyrations are influencing prepayment speeds. Plus, Robbie sits down with Digital Risk’s Kim Lanham for a discussion on how the Iran conflict and broader geopolitical uncertainty are influencing mortgage rates, borrower decision-making, servicing retention strategies, borrower assistance programs, and emerging credit and fraud risks across both Agency and non-QM lending. And we close by examining how nonfarm payrolls impact mortgage rates.</p><p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p><em>Thank you to </em><a href='https://www.firstclose.com/'><b><em>FirstClose</em></b></a><em>, which provides fintech solutions to HELOC and mortgage lenders nationwide. Their home equity lending platform accelerates the home equity lending process, reducing application to closing times from 45 days to less than ten. </em></p>
<p>In today’s episode, we look at the latest earnings calls and quarterly results from across the mortgage industry. Plus, Robbie sits down with FirstClose’s Dan Kellett for a discussion on how forward-thinking lenders are using automation, faster cycle times, and digital transparency to improve borrower experience, accelerate closings, and drive profitable growth in home equity lending. And we close by examining Federal Reserve Chairman Jerome Powell's tenure as it winds to a close.</p><p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p><em>Thank you to </em><a href='https://www.firstclose.com/'><b><em>FirstClose</em></b></a><em>, which provides fintech solutions to HELOC and mortgage lenders nationwide. Their home equity lending platform accelerates the home equity lending process, reducing application to closing times from 45 days to less than ten. </em></p>
<p>In today’s episode, we look at the figures surrounding America's aging housing stock. Plus, Robbie sits down with Chris Marshall of Sagent at its 2026 Ignite Conference, as well as Scott Rodeman (Evergreen Home Loans), Chris Wittrig (Land Home), and Jane Roethler (Idaho Housing and Finance Association) for a discussion on the latest and greatest in servicing technology. And we close by examining MBS coupon performance across the stack.</p><p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p><em>Thank you to </em><a href='https://www.firstclose.com/'><b><em>FirstClose</em></b></a><em>, which provides fintech solutions to HELOC and mortgage lenders nationwide. Their home equity lending platform accelerates the home equity lending process, reducing application to closing times from 45 days to less than ten. </em></p>
<p>In today’s episode, we look at figures associated with Hispanic lending in America. Plus, Robbie sits down with Figure’s Anthony Stratis (for a discussion on the home equity lending space) and Verus’ Dane Smith (for a discussion on innovative loan products). And we close by examining what it would take for oil prices to return to normal levels.</p><p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p><em>Thank you to </em><a href='https://www.firstclose.com/'><b><em>FirstClose</em></b></a><em>, which provides fintech solutions to HELOC and mortgage lenders nationwide. Their home equity lending platform accelerates the home equity lending process, reducing application to closing times from 45 days to less than ten. </em></p>
<p>In today’s episode, we look at the profitability of Fannie Mae and Freddie Mac. Plus, Robbie sits down with AnnieMac’s Joe Panebianco for a discussion on helping borrowers compete like cash purchasers, how affordability pressures are shaping borrower demand and new lending strategies, how global risks ripple into mortgage markets, and what key signals could drive a meaningful market shift through the rest of 2026. And we close by examining what to expect from the economic calendar this week.</p><p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p><em>Thank you to </em><a href='https://www.firstclose.com/'><b><em>FirstClose</em></b></a><em>, which provides fintech solutions to HELOC and mortgage lenders nationwide. Their home equity lending platform accelerates the home equity lending process, reducing application to closing times from 45 days to less than ten. </em></p>
<p>In today’s episode, we look at the prevalence of various programs to qualify more borrowers for homes. Plus, Movement Mortgage’s Lyra Waggoner interviews Rob and Robbie on a listener mailbag list of topics. And we close by examining the macro economic narrative after a large slate of data.</p><p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>Thank you to <a href='https://www.figure.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'>Figure</a>. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. </p>
<p>In today’s episode, we look at the size of the all-cash buyer segment. Plus, Robbie sits down with CI&T’s Tim Von Kaenel for a discussion on building, integrating, and optimizing technology to drive differentiation, modernize operations, and navigate an increasingly complex and fast-evolving digital landscape. And we close by examining dissent brewing within the Federal Reserve.</p><p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>Thank you to <a href='https://www.figure.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'>Figure</a>. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. </p>
<p>In today’s episode, we look at what is being discussed at April conferences. Plus, Robbie sits down with with Halo Programs Kirk King for a discussion on the ways originators are utilizing technology to automate daily marketing tasks to generate low-cost, high-yield leads and optimize current client relationships. And we close by examining the Fed's policy calculus.</p><p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>Thank you to <a href='https://www.figure.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'>Figure</a>. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. </p>
<p>In today’s episode, we look at the latest merger in the mortgage industry. Plus, Robbie sits down with Seroka’s John Seroka for a discussion on how brands are discovered by prioritizing credible, structured, and widely validated information over traditional SEO, making it critical for companies to build consistent digital authority and trust signals. And we close by examining how mortgage-backed securities (MBS) have been stacking up as an investment vehicle over the past couple of weeks.</p><p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>Thank you to <a href='https://www.figure.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'>Figure</a>. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. </p>
<p>In today’s episode, we look at the calculus going through building contractors minds. Plus, Robbie sits down with WSFS Bank’s Jeffrey Ruben for a discussion on how homeowners can strategically tap their equity while navigating today’s rate environment, avoiding common renovation financing pitfalls, and understanding why many are calling this the “golden age” of HELOCs. And we close by examining the ways in which rates are impacting borrower psychology as we enter the traditionally robust spring home buying season.</p><p>Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>Thank you to <a href='https://www.figure.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'>Figure</a>. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. </p>
<p>In today’s episode, we go through some migration trends popping up across the U.S. Plus, Robbie sits down with Experian’s Joy Mina and Ken Tromer for a discussion on helping mortgage lenders cut costs and speed up closings by offering an early, integrated view of employment verification that improves decision-making, enhances borrower experience, and supports broader automation in lending workflows. And we close by looking at trends in delinquency data.</p><p>Thank you to Experian Verify, a comprehensive income and employment verification solution for mortgage lenders. By uniting instant payroll data, permissioned access, and research verification in one seamless experience, Experian Verify helps lenders reduce friction, accelerate decisions, and confidently verify every U.S. worker.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through the our daily update from the Strait of Hormuz and how it is impacting borrower behavior. Plus, Robbie sits down with Paddington Capital Management’s Paul Musson for a discussion on how policymakers are repeatedly propping up asset prices at the expense of long-term economic health and fairness. And we close by looking at the latest labor market indicators.</p><p>Thank you to Experian Verify, a comprehensive income and employment verification solution for mortgage lenders. By uniting instant payroll data, permissioned access, and research verification in one seamless experience, Experian Verify helps lenders reduce friction, accelerate decisions, and confidently verify every U.S. worker.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through the latest mortgage news emanating from Washington D.C. Plus, Robbie sits down with loanDNA’s Neil Sahota for a discussion on how the mortgage value chain is being reshaped, from origination through servicing, and what that means for lenders trying to stay competitive. And we close by looking at the shifting calculus of Federal Reserve policy.</p><p>Thank you to Experian Verify, a comprehensive income and employment verification solution for mortgage lenders. By uniting instant payroll data, permissioned access, and research verification in one seamless experience, Experian Verify helps lenders reduce friction, accelerate decisions, and confidently verify every U.S. worker.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through the latest annual origination production rankings from lenders. Plus, Robbie sits down with Cardinal Financial’s Brian Hurd for a discussion on builder sentiment this spring, the push for attainable housing, key affordability challenges, and the market forces and development trends likely to shape housing in the coming months. And we close by looking at Kevin Warsh's Fed Chair confirmation hearing set for today.</p><p>Thank you to Experian Verify, a comprehensive income and employment verification solution for mortgage lenders. By uniting instant payroll data, permissioned access, and research verification in one seamless experience, Experian Verify helps lenders reduce friction, accelerate decisions, and confidently verify every U.S. worker.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through the ways mortgage rates are moving in lockstep with oil prices. Plus, Robbie sits down with Noise Media Group’s Joseph Levi for a discussion on how marketers are turning SEO budgets into generative engine optimization (GEO) to maintain visibility across AI-driven results that pull from diverse sources like structured data, news, and social content. And we close by looking ahead to this week's economic calendar and what data points could sway markets.</p><p>Thank you to Experian Verify, a comprehensive income and employment verification solution for mortgage lenders. By uniting instant payroll data, permissioned access, and research verification in one seamless experience, Experian Verify helps lenders reduce friction, accelerate decisions, and confidently verify every U.S. worker.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through the latest migration patterns from the U.S. Census Bureau. Plus, Robbie sits down with Berger Singerman's Geoffrey Lottenberg for a discussion on navigating the legal implications of AI in mortgage and lending processes. And we close by talking about what the Federal Reserve's Beige Book reveals about economic growth.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through the latest statistics pertaining to funded mortgage volume. Plus, Robbie sits down with Evergreen Home Loans’ Tamra Rieger for a discussion on leadership, building teams, and winning business in the current rate environment. And we close by talking about how the conflict in the Middle East is impacting mortgage applications.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through the differences between fines and taxes, with a little levity. Plus, Robbie sits down with attorney Barry Levine for a discussion on borrower behavior during delinquency (and how mortgage professionals can keep borrowers engaged, reduce panic, and prevent costly mistakes), and we close by talking about how Agency mortgage-backed securities have been performing versus other debt instruments.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through the differences between a mortgage and a lien. Plus, Robbie sits down with LendFriend Mortgage’s Eric Bernstein for a discussion on how lenders' increasing use of alternatives like bank-statement and asset-based loans is prompting a broader rethink of eligibility standards. And we close by talking about what to look forward to on the economic calendar this week.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p>
<p>In today’s episode, we go through the latest mailbag questions hitting my inbox. Plus, Robbie sits down with CIC Credit’s Don Clement for a discussion on how changing regulations, credit scoring models, and data strategies are reshaping borrower acquisition, risk assessment, and cost management. And we close by looking at the latest CPI figures and how transitory they are.</p><p>Thank you to JazzX, the first true end-to-end AI platform built for mortgage. From application to underwriting, JazzX is a new operating model that helps you scale growth, boost productivity, and transform how your team performs.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through the latest rumors surrounding Vantage Score. Plus, Robbie sits down with OFA Group’s Thomas Gaffney for a discussion on what real problems tokenization solves in mortgage finance today, where it will gain early traction in residential real estate, and how lenders can assess regulatory risk and platform credibility as the market evolves. And we close by looking at the latest with the cease fire and bond markets.</p><p>Thank you to JazzX, the first true end-to-end AI platform built for mortgage. From application to underwriting, JazzX is a new operating model that helps you scale growth, boost productivity, and transform how your team performs.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through population trends across the U.S. Plus, Robbie sits down with Asset Based Lending’s Kevin Rodman for a discussion on balancing demand across its lending platforms by staying disciplined on risk, adapting to shifting investor behavior, and pursuing sustainable growth in a more cautious market cycle. And we close by looking at what impacts President Trump's geopolitical off ramp is having on bond markets.</p><p>Thank you to JazzX, the first true end-to-end AI platform built for mortgage. From application to underwriting, JazzX is a new operating model that helps you scale growth, boost productivity, and transform how your team performs.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through the latest prepayment characteristics from VA loans. Plus, Robbie sits down with Moder’s Erik Anderson for a discussion on the company’s strategic partnership with Palantir Technologies to co-build an AI-powered mortgage operations platform. And we close by looking at what impacts President Trump's rhetoric on Iran is having on bond markets.</p><p>Thank you to JazzX, the first true end-to-end AI platform built for mortgage. From application to underwriting, JazzX is a new operating model that helps you scale growth, boost productivity, and transform how your team performs.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through some trends that are increasingly reshaping housing demand. Plus, Robbie sits down with Nestment’s Niles Lichtenstein for a discussion on giving first-time buyers the clarity, confidence, and plan to make homeownership happen. And we close by looking at what FHA prepayment characteristics.</p><p>Thank you to JazzX, the first true end-to-end AI platform built for mortgage. From application to underwriting, JazzX is a new operating model that helps you scale growth, boost productivity, and transform how your team performs.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through some good news on this Good Friday. Plus, Robbie sits down with Birchwood Credit Services’ Samantha Markwood for a discussion on brand strategy for mortgage companies in the age of AI and what marketing tactics actually come across as authentic. And we close by looking at what Agency MBS issuance did over the past month.</p><p>Thank you to RelCu. RelCu is the all-in-one agentic platform driving conversion, retention, and cross-sell across mortgage and deposits.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through some rumors that we're hearing about Fannie and Freddie. Plus, Robbie sits down with Relcu’s Abhi Thakur for a discussion on how to improve decision-making, streamline consumer data management and engagement, and where tech needs to respect legacy knowledge of mortgage operations. And we close by looking at what President Trump's remarks yesterday did to bond pricing.</p><p>Thank you to RelCu. RelCu is the all-in-one agentic platform driving conversion, retention, and cross-sell across mortgage and deposits.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through the latest strategic partnerships in the mortgage industry. Plus, Robbie sits down with Bloomberg’s Erica Adelberg for a discussion on MBS investor sentiment, spread movements, and changes in prepayment characteristics with volatile rates. And we close by looking at the correlation between oil prices and interest rates.</p><p>Thank you to RelCu. RelCu is the all-in-one agentic platform driving conversion, retention, and cross-sell across mortgage and deposits.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through the latest on the UAD 3.6 implementation. Plus, Robbie sits down with Guild Mortgage’s Terry Schmidt for a discussion on understanding borrower behavior, adoption of AI-driven and digital capabilities, affordability, and access, and both cultural and structural shifts toward data-driven proactive lending. And we close by looking at why rates are now falling</p><p>Thank you to RelCu. RelCu is the all-in-one agentic platform driving conversion, retention, and cross-sell across mortgage and deposits.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through the latest on housing supply and demand across the nation. Plus, Robbie sits down with Lennar’s Laura Escobar for a discussion on leadership, housing trends, people-first leadership, and the ongoing evolution of diversity and mentorship. And we close by looking at the runoff from the Federal Reserve's balance sheet.</p><p>Thank you to RelCu. RelCu is the all-in-one agentic platform driving conversion, retention, and cross-sell across mortgage and deposits.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through some excellent writing being put out by individuals in the mortgage industry. Plus, Robbie sits down with Bridger Investment Partners’ Sarah “Sadie” Gurley for a discussion on the role of investment advisors specializing in residential whole loans, mortgage servicing rights, and RMBS securities play in the mortgage ecosystem. And we close by looking at the impacts of a drawn out war in the Middle East.</p><p>Thank you to <a href='https://partners.quorumfcu.org/?utm_source=chrismanblog&utm_medium=podcast&utm_campaign=b2b-helocs'><b>Quorum Federal Credit Union</b></a><b>, which offers a broker outlet</b>. Quorum empowers brokers to close more deals with flexible, high-LTV mortgage and HELOC solutions featuring up to 4 percent comp, low FICO options, and versatile programs for nearly every borrower scenario.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through the relationship between oil prices and mortgage rates. Plus, Robbie sits down with Polunsky Beitel Green's Peter Idziak for a discussion on President Trump’s executive order’s impact on mortgage regulations. And we close by looking at what labor indicators are saying about the strength of the U.S. economy.</p><p>Thank you to <a href='https://partners.quorumfcu.org/?utm_source=chrismanblog&utm_medium=podcast&utm_campaign=b2b-helocs'><b>Quorum Federal Credit Union</b></a><b>, which offers a broker outlet</b>. Quorum empowers brokers to close more deals with flexible, high-LTV mortgage and HELOC solutions featuring up to 4 percent comp, low FICO options, and versatile programs for nearly every borrower scenario.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through the true cost of financial crime. Plus, Robbie sits down with PRMG’s Kevin Peranio for a discussion on implementing virtual assistants that help find the right documents and borrower information, streamline internal workflows, and scale support during peak demand. And we close by looking at why mortgage rates continue to bounce around.</p><p>Thank you to <a href='https://partners.quorumfcu.org/?utm_source=chrismanblog&utm_medium=podcast&utm_campaign=b2b-helocs'><b>Quorum Federal Credit Union</b></a><b>, which offers a broker outlet</b>. Quorum empowers brokers to close more deals with flexible, high-LTV mortgage and HELOC solutions featuring up to 4 percent comp, low FICO options, and versatile programs for nearly every borrower scenario.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through how in these modern times, a tweet can impact bond market pricing. Plus, Robbie sits down with Xactus’ Shelley Leonard and Experian’s Michele Bodda for a discussion on shifts in credit scoring, opportunities to modernize data and workflows, misconceptions that slow progress, and how lenders should approach credit strategy in 2026. And we close by looking at why upcoming surveys could dictate mortgage rates.</p><p>Thank you to <a href='https://partners.quorumfcu.org/?utm_source=chrismanblog&utm_medium=podcast&utm_campaign=b2b-helocs'><b>Quorum Federal Credit Union</b></a><b>, which offers a broker outlet</b>. Quorum empowers brokers to close more deals with flexible, high-LTV mortgage and HELOC solutions featuring up to 4 percent comp, low FICO options, and versatile programs for nearly every borrower scenario.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through the announcement by Fannie and Freddie to buy more MBS. Plus, Robbie sits down with Castor Financial’s Brooks Champagne for a discussion on solving DTI snags with unique income stacking qualification and asset depletion features to qualify more borrowers. And we close by looking at how tweets on the Iran War are influencing the bond markets.</p><p>Thank you to <a href='https://partners.quorumfcu.org/?utm_source=chrismanblog&utm_medium=podcast&utm_campaign=b2b-helocs'><b>Quorum Federal Credit Union</b></a><b>, which offers a broker outlet</b>. Quorum empowers brokers to close more deals with flexible, high-LTV mortgage and HELOC solutions featuring up to 4 percent comp, low FICO options, and versatile programs for nearly every borrower scenario.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through the UWM and Two Harbors merger. Plus, Robbie sits down with Wilqo's Larry Huff for a discussion on how lenders identify and address hidden workflow friction in origination, optimizing handoffs and automation, preserving human judgment at high-leverage points, and revealing the weakest points in their stack under stress. And we close by looking at how prepayment speeds are shifting with the backup in mortgage rates.</p><p>Thank you to Ocrolus. Ocrolus is transforming the mortgage industry with AI-powered data and analytics, featuring cutting-edge tools for automated indexing, income analysis, and now automated conditioning. Ocrolus is empowering lenders to make timely, confident lending decisions. Whether you need to verify income across complex pay scenarios or review borrower documents with confidence, Ocrolus helps mortgage teams move at the speed of automation with the precision of human oversight. Learn more at ocrolus.com/mortgage.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through the MBA's latest profitability report. Plus, Robbie sits down with Storable’s Holly Fiorello for a discussion on how mortgage rate "lock-in" is reshaping housing mobility, borrower expectations, workforce relocation, and the future of homeownership, while examining whether new lending products could unlock significant pent-up housing demand. And we close by looking at reactions to the Federal Reserve's decision to keep rates steady, as well as the rhetoric used by Fed Chair Powell in his press conference.</p><p>Thank you to Ocrolus. Ocrolus is transforming the mortgage industry with AI-powered data and analytics, featuring cutting-edge tools for automated indexing, income analysis, and now automated conditioning. Ocrolus is empowering lenders to make timely, confident lending decisions. Whether you need to verify income across complex pay scenarios or review borrower documents with confidence, Ocrolus helps mortgage teams move at the speed of automation with the precision of human oversight. Learn more at ocrolus.com/mortgage.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through some of the chatter from the hallways at ICE Experience 2026. Plus, Robbie sits down with Gershman’s Adam Mason for a discussion on the leadership lessons and hiring philosophies that shape strong<br />loan officers, and how adaptability, mindset, and innovation influence success in a challenging market. And we close by looking at some outcomes for the rate outlook this year.</p><p>Thank you to Ocrolus. Ocrolus is transforming the mortgage industry with AI-powered data and analytics, featuring cutting-edge tools for automated indexing, income analysis, and now automated conditioning. Ocrolus is empowering lenders to make timely, confident lending decisions. Whether you need to verify income across complex pay scenarios or review borrower documents with confidence, Ocrolus helps mortgage teams move at the speed of automation with the precision of human oversight. Learn more at ocrolus.com/mortgage.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>In today’s episode, we go through some acquisitions taking place in the servicing space. Plus, Robbie sits down with Ocrolus' Rebecca Seward for a discussion on analyzing borrower documents and loan data to automatically generate, justify, and track underwriting conditions, while keeping human underwriters in control as the final decision-makers. And we close by looking ahead to the potential outcomes of the Federal Reserve's March meeting.</p><p>Thank you to Ocrolus. Ocrolus is transforming the mortgage industry with AI-powered data and analytics, featuring cutting-edge tools for automated indexing, income analysis, and now automated conditioning. Ocrolus is empowering lenders to make timely, confident lending decisions. Whether you need to verify income across complex pay scenarios or review borrower documents with confidence, Ocrolus helps mortgage teams move at the speed of automation with the precision of human oversight. Learn more at ocrolus.com/mortgage.</p><p><em>The Chrisman Commentary </em>is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we go through what the topics du jour will be in the hallways at ICE Experience in Las Vegas. Plus, Robbie sits down with Megastar Financial and Take3Tech’s Anita Padilla-Fitzgerald for a discussion on how she maximizes client engagement to deliver one source of truth, an end to end mortgage solution, and certainty in one day. And we close by looking at what is expected to emerge from the Federal Reserve meeting this week.</p><p>Thank you to Ocrolus. Ocrolus is transforming the mortgage industry with AI-powered data and analytics, featuring cutting-edge tools for automated indexing, income analysis, and now automated conditioning. Ocrolus is empowering lenders to make timely, confident lending decisions. Whether you need to verify income across complex pay scenarios or review borrower documents with confidence, Ocrolus helps mortgage teams move at the speed of automation with the precision of human oversight. Learn more at ocrolus.com/mortgage.</p><p><br /></p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we go through some industry mailbag questions that made their way to my inbox this week. Plus, Robbie sits down with Logan Finance’s Paul Jones for a discussion on how brokers avoid common self-employed borrower mistakes and simplify the process from application to closing to make non-QM accessible and efficient. And we close by looking at personal consumption expenditures (PCE).</p><p>Today’s podcast is brought to you by Floify, an industry-leading point of sale platform. Dynamic Apps 2.0 — an AI- powered enhancement lets lenders tailor application flows by loan type, including HELOC, construction, ag, non-QM and more. Borrowers see only the right questions, the right sections and are sent the right disclosures from the start. The result? Higher completion rates, less operational back-and-forth and specialty lending without the one-size-fits-all compromise. Discover more at www.floify.com — and see Dynamic Apps 2.0 in action at ICE Experience, March 15–18 in booth 713.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we go through how the HUD False Claims "Monster" may not actually be slayed. Plus, Robbie sits down with Consumer Data Industry Association’s Dan Smith for a discussion on the debate over eliminating tri-merge credit reporting centers, and whether shifting to a single bureau would truly improve affordability or instead introduce systemic risk. And we close by looking at how the U.S. government is financing the Iran war.</p><p>Today’s podcast is brought to you by Floify, an industry-leading point of sale platform. Dynamic Apps 2.0 — an AI- powered enhancement lets lenders tailor application flows by loan type, including HELOC, construction, ag, non-QM and more. Borrowers see only the right questions, the right sections and are sent the right disclosures from the start. The result? Higher completion rates, less operational back-and-forth and specialty lending without the one-size-fits-all compromise. Discover more at www.floify.com — and see Dynamic Apps 2.0 in action at ICE Experience, March 15–18 in booth 713.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we go through how prepayment characteristics are shifting with mortgage rate movement. Plus, Robbie sits down with Floify’s Jason Mapes for a discussion on automating tasks like data extraction, document validation, and 1003 completion within the POS, enabling lenders to deliver faster, cleaner, and more compliant loan files without introducing risky borrower-facing AI interactions. And we close by looking at the latest inflation data and how it's moving bond markets.</p><p>Today’s podcast is brought to you by Floify, an industry-leading point of sale platform. Dynamic Apps 2.0 — an AI- powered enhancement lets lenders tailor application flows by loan type, including HELOC, construction, ag, non-QM and more. Borrowers see only the right questions, the right sections and are sent the right disclosures from the start. The result? Higher completion rates, less operational back-and-forth and specialty lending without the one-size-fits-all compromise. Discover more at www.floify.com — and see Dynamic Apps 2.0 in action at ICE Experience, March 15–18 in booth 713.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we go through how the prices of various asset classes are evolving with the conflict in the Middle East. Plus, Robbie sits down with eRESI’s Lisa Schreiber for a discussion on the evolution in the non-QM space, how correspondent lenders are growing their non-QM business, and what the future holds for lenders considering entering the market. And we close by looking at the how President Trump's words are manipulating markets.</p><p>Today’s podcast is brought to you by Floify, an industry-leading point of sale platform. Dynamic Apps 2.0 — an AI- powered enhancement lets lenders tailor application flows by loan type, including HELOC, construction, ag, non-QM and more. Borrowers see only the right questions, the right sections and are sent the right disclosures from the start. The result? Higher completion rates, less operational back-and-forth and specialty lending without the one-size-fits-all compromise. Discover more at www.floify.com — and see Dynamic Apps 2.0 in action at ICE Experience, March 15–18 in booth 713.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we go through what investors are watching as the war in Iran enters a longer phase. Plus, Robbie sits down with Rocket's Austin Niemiec for a discussion on the three-year strategic alliance with Compass aimed at expanding home listing inventory to create a significantly enhanced and affordable home buying and selling experience for American families. And we close by looking at the evolving expectations for borrowers as mortgage rates bounce around.</p><p>Today’s podcast is brought to you by Floify, an industry-leading point of sale platform. Dynamic Apps 2.0 — an AI- powered enhancement lets lenders tailor application flows by loan type, including HELOC, construction, ag, non-QM and more. Borrowers see only the right questions, the right sections and are sent the right disclosures from the start. The result? Higher completion rates, less operational back-and-forth and specialty lending without the one-size-fits-all compromise. Discover more at www.floify.com — and see Dynamic Apps 2.0 in action at ICE Experience, March 15–18 in booth 713.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we go through trending loan volume data in the residential mortgage industry. Plus, Robbie sits down with FICO’s Julie May for a discussion on how lender risk behavior is evolving, what is driving the growing adoption of trended data, and how new distribution models could reshape credit scoring across the mortgage industry. And we close by looking at the evolving expectations for the rate path from the Federal Reserve.</p><p>This week’s podcasts are sponsored by Feewise, which turns mortgage compliance from bottleneck to business accelerator. Handle all the complexities involved with establishing TRID compliant fees and disclosures, achieve sign off, and deliver packages to your consumers for review or signature.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we go through recent and past cybersecurity incidents in the mortgage industry. Plus, Robbie sits down with Feewise’s Rob Withers for a discussion on enhancing tech stacks through a disclosure manufacturing solution that works at the speed of sales. And we close by looking at the most recent labor data and what it means for the overall strength of the U.S. economy.</p><p>This week’s podcasts are sponsored by Feewise, which turns mortgage compliance from bottleneck to business accelerator. Handle all the complexities involved with establishing TRID compliant fees and disclosures, achieve sign off, and deliver packages to your consumers for review or signature.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the latest talking points in the world of credit. Plus, Robbie sits down with Depth’s Lindsey Neal for a discussion on modern relationship management, marketing, and PR strategies in the mortgage industry. And we close by looking at Redwood Trust's first non-QM deal.</p><p>This week’s podcasts are sponsored by Feewise, which turns mortgage compliance from bottleneck to business accelerator. Handle all the complexities involved with establishing TRID compliant fees and disclosures, achieve sign off, and deliver packages to your consumers for review or signature.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the latest ripple effects from the destabilization of the Middle East. Plus, Robbie sits down with ACES Quality Management’s Sharon Reichhardt for a discussion on improving productivity and mortgage loan quality while controlling costs and risk. And we close by looking at what the return of the U.S. MBS index has been lately.</p><p>This week’s podcasts are sponsored by Feewise, which turns mortgage compliance from bottleneck to business accelerator. Handle all the complexities involved with establishing TRID compliant fees and disclosures, achieve sign off, and deliver packages to your consumers for review or signature.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the latest M&A chatter from around the industry. Plus, Robbie sits down with FirstClose’s Andria Lightfoot for a discussion on modernizing processes with low-lift digital entry points to eliminate bottlenecks,<br />boost borrower satisfaction, and stay competitive in the evolving home equity market. And we close by looking at what the geopolitical events in the Middle East are doing to mortgage rates.</p><p>This week’s podcasts are sponsored by Feewise, which turns mortgage compliance from bottleneck to business accelerator. Handle all the complexities involved with establishing TRID compliant fees and disclosures, achieve sign off, and deliver packages to your consumers for review or signature.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the latest partnerships and Agency profit drivers from around mortgage industry. Plus, Robbie sits down with MakeMyMove’s Evan Hock for a discussion on new data that shows that many financially stable, middle-income households are being priced out of homeownership in major metros not<br />by monthly affordability but by lack of access, prompting relocations to smaller regional hubs where similar housing costs unlock ownership, stability, and better quality of life. And we close by looking at the end of this month's auction slate from the U.S. Treasury.</p><p>This week’s podcasts are sponsored by FirstClose. FirstClose Equity gets you to closings faster by empowering borrowers with vital property decisioning data. It is the only end-to-end digital HELOC & HEL solution built specifically for home equity.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we dive into some mailbag questions I've been receiving from around the mortgage industry. Plus, Robbie sits down with Yardi’s Doug Ressler for a discussion on the post-pandemic structural shifts driving affordable housing construction to outpace overall apartment development, how regional differences reflect policy and migration trends, and what distinguishes metros that successfully deliver projects from those that stall. And we close by looking at the strains impacting the domestic economy.</p><p>This week’s podcasts are sponsored by FirstClose. FirstClose Equity gets you to closings faster by empowering borrowers with vital property decisioning data. It is the only end-to-end digital HELOC & HEL solution built specifically for home equity.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we dive into the ramifications of licensing AI as an originator. Plus, Robbie sits down with Optimal Blue’s Erin Wester for a discussion on the extensive lineup of mortgage capital markets innovations unveiled at 2026 Optimal Blue Summit, including an industry-first AI/ML-powered forecasting tool. And we close by looking at what home prices are doing across the nation.</p><p>This week’s podcasts are sponsored by FirstClose. FirstClose Equity gets you to closings faster by empowering borrowers with vital property decisioning data. It is the only end-to-end digital HELOC & HEL solution built specifically for home equity.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we dive into the Supreme Court's ruling against tariffs last week. Plus, Robbie sits down with Plantd’s Josh Dorfman for a discussion on the intersection of sustainability, capital markets, housing, and pragmatic climate solutions for business and policy leaders. And we close by looking at the Treasury's quarterly refunding.</p><p>This week’s podcasts are sponsored by FirstClose. FirstClose Equity gets you to closings faster by empowering borrowers with vital property decisioning data. It is the only end-to-end digital HELOC & HEL solution built specifically for home equity.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we dive into the Supreme Court's ruling against tariffs last week. Plus, Robbie sits down with Clear Capital’s Dan McAlister for a discussion on why UAD 3.6 is already creating real operational pressure for lenders, how readiness gaps are showing up as appraisal friction and downstream conditions, and what teams need to fix now to adapt their review workflows and avoid slower turn times as the mandate approaches in 2026. And we close by looking at this week's economic calendar.</p><p>This week’s podcasts are sponsored by FirstClose. FirstClose Equity gets you to closings faster by empowering borrowers with vital property decisioning data. It is the only end-to-end digital HELOC & HEL solution built specifically for home equity.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at how artificial intelligence is both furthering and combating mortgage fraud. Plus, Robbie sits down with MAXEX’s Tom Pearce for a discussion on his company's partnership with Tradeweb that will create a more centralized, transparent, and scalable institutional marketplace for U.S. residential mortgage loans. And we close by looking at the latest economic reports and their impact on mortgage rates.</p><p>Today's podcast is brought to you by Optimal Blue, the only end-to-end capital markets platform built to power performance, precision, and profitability, helping lenders of all sizes operate more efficiently, manage risk more effectively, and maximize results.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at some of the Fed's suggested changes to bank capital requirements. Plus, Robbie sits down with economist Elliot Eisenberg for a discussion on trends seen across economic data and how high the bar has become for the Fed to justify easing if headline resilience persists. And we close by looking at the diverging path of monetary policy in the coming months.</p><p>Today's podcast is brought to you by Optimal Blue, the only end-to-end capital markets platform built to power performance, precision, and profitability, helping lenders of all sizes operate more efficiently, manage risk more effectively, and maximize results.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at how global markets responded to the Lunar New Year thin trading conditions. Plus, Robbie sits down with Beyond Zero-Dedicated<br />Development Consultants’ Kevin Kennon for a discussion on how sustainable design, resilience, and AI are reshaping residential real estate economics, influencing credit risk, asset performance, and long-term mortgage viability. And we close by looking at this week's mortgage application figures from MBA.</p><p>Today's podcast is brought to you by Optimal Blue, the only end-to-end capital markets platform built to power performance, precision, and profitability, helping lenders of all sizes operate more efficiently, manage risk more effectively, and maximize results.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the rise of affordability programs like down payment assistance (DPA). Plus, Robbie sits down with TRUE’s Steve Butler for a discussion on why lenders start automation too late by focusing on late-stage checks instead of intake, even though most costs are created early, and how to move certainty upstream. And we close by looking at this week's shortened economic calendar.</p><p>Today's podcast is brought to you by Optimal Blue, the only end-to-end capital markets platform built to power performance, precision, and profitability, helping lenders of all sizes operate more efficiently, manage risk more effectively, and maximize results.</p>
<p>Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.<br /><br />In today’s episode, we go through chatter from around the mortgage industry heard in the hallways here at MCT Exchange 2026 in San Diego. Plus, Robbie sits down with Ivy Risk Strategies’ Lisa Holt for a discussion on how rethinking risk around fewer insurance purchases, stronger human connection, and data-driven<br />feedback loops challenge traditional industry assumptions and help lenders and real estate leaders prepare for 2026 with smarter, more intuitive decisions at scale. And we close by looking at reaction to a subdued January CPI report.<br /><br />This week’s podcasts are Sponsored by Cenlar. Cenlar supports lenders and investors with scalable, best-in-class loan servicing built for today’s complex market. From compliance to customer experience, Cenlar helps portfolios perform better, borrowers stay supported, and servicers focus on growth. We’re proud to partner with a true industry leader.</p>
<p>Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.<br /><br />In today’s episode, we go through a couple mergers and acquisitions from around the mortgage industry, including an interview with Pennymac's Kevin Ryan on the company's acquisition of Cenlar. Plus, Robbie sits down with Kastle’s Rishi Choudhary for a discussion on how AI agents are moving from hype to real impact in mortgage lending and servicing by automating unstructured, high-friction borrower interactions at scale, delivering measurable ROI through lower servicing costs, higher loan officer productivity, and production-proven deployments. And we close by looking at reaction to that very robust delayed January payrolls report.<br /><br />This week’s podcasts are Sponsored by Cenlar. Cenlar supports lenders and investors with scalable, best-in-class loan servicing built for today’s complex market. From compliance to customer experience, Cenlar helps portfolios perform better, borrowers stay supported, and servicers focus on growth. We’re proud to partner with a true industry leader.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we go through the latest prepayment data and what it says about borrower sentiment. Plus, Robbie sits down with Milliman's Jonathan Glowacki for a discussion on why “lender choice” that allows mortgage originators to select among approved credit scoring models may understate risk by producing meaningfully higher default rates within the same score bands, shifting more credit risk onto the mortgage system while reducing risk-based fees and potentially weakening the economics of the GSE guarantee. And we close by looking at a very robust delayed January payrolls report.</p><p>This week’s podcasts are Sponsored by Cenlar. Cenlar supports lenders and investors with scalable, best-in-class loan servicing built for today’s complex market. From compliance to customer experience, Cenlar helps portfolios perform better, borrowers stay supported, and servicers focus on growth. We’re proud to partner with a true industry leader.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we go through some international events that should impact bond pricing domestically. Plus, Robbie sits down with VIU by HUB’s Travis Hodges<br />for a discussion on why lenders and servicers need to embed insurance into the mortgage experience so borrowers can better understand long-term cost shifts, avoid underinsurance, access digital tools with human guidance, and build trust and retention amid rising volatility. And we close by looking at some delayed government releases.</p><p>This week’s podcasts are Sponsored by Cenlar. Cenlar supports lenders and investors with scalable, best-in-class loan servicing built for today’s complex market. From compliance to customer experience, Cenlar helps portfolios perform better, borrowers stay supported, and servicers focus on growth. We’re proud to partner with a true industry leader.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we go through a primer on how supply and demand are impacting mortgage prices. Plus, Robbie sits down with with Experian's Joy Mina<br />and Ken Tromer for a discussion on how to access reliable income, employment, and asset data upfront in the origination process, enabling more precise prequalification decisions while reducing friction and improving the borrower’s early-stage experience. And we close by talking about trends are are seeing across specified pools.</p><p>This week’s podcasts are Sponsored by Cenlar. Cenlar supports lenders and investors with scalable, best-in-class loan servicing built for today’s complex market. From compliance to customer experience, Cenlar helps portfolios perform better, borrowers stay supported, and servicers focus on growth. We’re proud to partner with a true industry leader.</p><p><br /></p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we go through the latest Supreme Court rulings that are set to impact the mortgage industry. Plus, Robbie sits down with Rocket's Doug Buser for a discussion on insights from shaping the overall fan experience at the Super Bowl, the marketing and neighborhood activation strategy leading into Super Bowl LX, and Redfin’s first ad with Rocket, voiced by Lady Gaga. And we close by talking about why we are seeing a divergence in primary rates quoted by borrowers.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we go through Bed Bath and Beyond's entrance into the mortgage space. Plus, Robbie sits down with Truework's Ethan Winchell for a discussion on the intersection of technology and use, and how designing platforms for the mortgage industry has shifted toward practical application. And we close by talking about why we are seeing so many job cuts.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we go through the latest update from the Consumer Financial Protection Bureau. Plus, Robbie sits down with Curinos' Ken Flaherty, Josh Beane, and Rich Martin for a discussion on key 2025 performance trends across first mortgage, home equity, and unsecured lending, as well as 2026 forecasts and assumptions for each vertical, and the strategic priorities lenders should focus on to grow profitably in the year ahead. And we close by talking about why we've seen a drop in mortgage applications.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we go through the chatter from the hallways at MBA's Independent Mortgage Banker Conference. Plus, Robbie sits down with TLS' Will Pendleton and Calque’s Jeremy Foster for a discussion on how the Buy Before You Sell model helps brokers remove timing and contingency risk for today’s buyers, and why transparent, well-integrated solutions like this are increasingly becoming essential tools for brokers navigating more competitive and complex housing markets. And we close by talking about the bond markets reaction to the new Fed Chair announcement.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we go through an explainer on credit costs. Plus, Robbie sits down with FundingShield’s Adam Chaudhary for a discussion on why escalating fraud, regulatory scrutiny, and refinance activity are making proactive, real-time verification essential for lenders. And we close by talking about what mortgage rates are doing in reaction to the partial government shutdown.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at reaction to Donald Trump's announcement that he will nominate Kevin Warsh to be Fed Chair. Plus, Robbie sits down with Prudent AI Brand Ambassador Suha Zehl for a discussion on moving certainty to the front of the lending process to reduce operational friction, eliminate late-stage surprises, and allow lenders to scale volume, protect margins, and serve complex borrowers without adding staff. And we close by talking about what mortgage rates have done over the past couple of weeks.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the pulse of the economy through economic indicators. Plus, Robbie sits down with Sitewire's Bryan Kester for an interview that includes an exploration of how permitting friction, underestimated rehab complexity, and weak pre-funding diligence (not land or labor) have become the true constraints on housing supply, and what smarter underwriting and process discipline look like as the market adapts. And we close by talking about reaction to the latest FOMC meeting.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the latest news emanating from Fannie and Freddie. Plus, Robbie sits down with Experian’s Michele Bodda for a discussion on how evolving credit data, new scoring models, and shifting renter sentiment are reshaping mortgage access and underwriting economics. And we close by talking about likely outcomes from the latest FOMC meeting.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at why global hedging risk intensified. Plus, Robbie sits down with Portnox's Denny LeCompte for a discussion on the role of network access control, and how organizations can adapt security mindsets and practices to evolving audit and visibility demands. And we close by looking at what on the horizon could shape market sentiment.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at some trends seen across the mortgage industry as well as what is on the economic calendar this week. Plus, Robbie sits down with Middle Housing Partner's Jared Jones for a discussion on how housing policy actually becomes delivered homes, and how permitting workflows and local regulatory interpretation shape real-world project feasibility. And we close by looking at the refinance activity index.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we talk about bond market movement from intentional and unintentional directives from the Trump administration. Plus, Robbie sits down with Southern Bancorp's Jeremy Davis for a discussion on how lenders must rethink culture, leadership, customer trust, and mission- driven strategy to build resilient organizations that not only withstand 2026’s challenges but emerge stronger. And we close by looking at the week that was in the mortgage industry.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we talk about the takeaways from President Trump's speech in Davos Yesterday. Plus, Robbie sits down with LendingTree's Matt Schulz for a discussion on whether the long-term wealth benefits of owning outweigh short-term cash flow challenges, especially as affordability gaps, regional policies, and rising costs risk reshaping migration, exacerbating inequality, and straining the traditional path to a “starter home.” And we close by reviewing the latest prepayment speed data.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we talk about why speculation is “far greater an enemy than the news itself." Plus, Robbie sits down with Polunsky Beitel Green's Marty Green for a discussion on how political posturing has affected bond yields and prevailing market sentiment. And we close by previewing President Trump's speech from Davos.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the overall path of rates after some recent headlines swayed investor sentiment. Plus, Robbie sits down with American Pride Bank's Jessica Bluj for a discussion on One-Time Close construction-to-permanent loans versus traditional multi-close structures. And we close by inspecting the meaningful data points in this holiday-shortened week.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look how the Trump Administration's directives are causing the mortgage industry to adapt. Plus, Robbie sits down with CHLA's Scott Olson for a discussion on priorities for trade associations, such as credit costs, as 2026 advocacy kicks off in earnest. And we close by examining just what sort of cohesive economic narrative there has been over the start of this year.</p><p>Thank you to <a href='https://zy6u9cdab.cc.rs6.net/tn.jsp?f=0019z-1Qw31_rdx8hDb8r2_m4alt3pV-bRoN8DHGRXIJsPdGZKuuWhUFF0a0P9dVsCPjv7BbCfbUOqQuJnIf6Cq8xxcCjPfi22CqxjZMxepSSrxE5w8eDdDwXNNuyXU3U7L7OfJ1Mj894YXGoy3Mr6_VUtKQ71Xi7IK6vXlQ4cJGWKLH8iE4RJvxOqe_UB93Fe2l4gkPq3lId3SatNJYZdnQTXxw87rajG8LIVtWc2veisUgETt6dHoiEQAlgHFO8JTRgDBIEN-KFpi6JNiICIgjUck8B-zfA4v&c=yBtY5LqNB3UY-9r8KCmdNIiAvZoALg3lRd2Itfj0qcylBXB54VuAeA==&ch=dJPeiki6T7cTRZap5Onq6fwfdVprCFrJ6of36tZgPRWSIyaMW0hX4A=='><b>Truework</b></a>, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the ways we are starting to see the "lock-in effect" meaningfully shift for borrowers. Plus, Robbie sits down with FINOFR’s Keith Kelly for a discussion on how to take the friction out of the loan process for everyone. And we close by examining trends in economic data that will better help you keep borrowers informed as to what's going on.</p><p>Thank you to <a href='https://www.figure.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'>Figure</a>. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. </p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the latest prepayment and delinquency data from from mortgagees. Plus, Robbie sits down with Worthy Performance Group’s Laura Lasher for a discussion on why many lenders will fail to capitalize on a rate-driven rebound, what truly differentiates winning loan officers, how competitive dynamics have shifted toward larger institutions, which training investments genuinely improve performance, and the warning signs that signal an organization is unprepared for the next market cycle. And we close by examining the overall economic narrative based on employment, inflation, and spending figures.</p><p>Thank you to <a href='https://www.figure.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'>Figure</a>. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. </p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at some data trends we are seeing, namely benign inflation and strong retail sales. Plus, Robbie sits down with Key Mortgage Services' Jen Poniatowski for a discussion on how lenders should adjust borrower expectations in a falling rate environment, how buyer leverage is shifting as inventory rises, and how economic uncertainty is shaping first-time buyer confidence and product choice. And we close by examining a slew of economic data that was released this morning.</p><p>Thank you to <a href='https://www.figure.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'>Figure</a>. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. </p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the market's reaction on Monday to criminal charges being levied against Federal Reserve Chairman Jerome Powell. Plus, Robbie sits down with Clever’s Jaime Seale for a discussion on the widespread financial barriers and affordability concerns of younger generations, and why Millennials, in particular, are willing to stretch budgets significantly despite planning to purchase homes below current median prices. And we close by examining what the latest CPI report says about inflation in the U.S.</p><p>Thank you to <a href='https://www.figure.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'>Figure</a>. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. </p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the criminal charges being levied against Federal Reserve Chairman Jerome Powell. Plus, Robbie sits down with Texas MBA’s Erin Dee for a discussion on the benefits of advocacy at the state association level. And we close by examining what the shifting inflation and employment figures of the Fed's dual mandate.</p><p>Thank you to <a href='https://www.figure.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'>Figure</a>. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. </p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at President Trump instructing his representatives to buy $200 billion of mortgage bonds. Plus, Robbie sits down with loanDepot’s Jeff Dergurahian for a discussion on the key data shaping 2026 forecasts, challenges to market consensus on rates and volume, and how originators can translate economic uncertainty into trusted, client-centric guidance. And we close by reviewing what December payrolls reveal about the Fed's rate path.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at President Trump saying he will ban institutional investors from buying up homes. Plus, Robbie sits down with the Texas Stock Exchange’s Jeff Karcher for a discussion on the origins of the TXSE, why its founders believe U.S. markets need more competition, and how its 2026 launch aims to reshape capital markets through technology-driven trading and long-term vision. And we close by reviewing what December prepayment speeds reveal about borrower behavior.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the total addressable market for originations. Plus, Robbie sits down with Aliya's S.P Wijegoonaratna for a discussion on properly structuring risk profiles of borrowers and the future of financial services embedded lending. And we close by reviewing why trust in government reports as tradable events has fallen recently.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at how the residential lending space is impacting overall home affordability. Plus, Robbie sits down with Johns Hopkins’ Dan Ye for a discussion on how 90 percent of human capital will be replaced in the next 10 years through AI, and how you can potentially ward off the impending doom. And we close by reviewing why rates are treading water to open 2026.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at wage growth versus home price appreciation. Plus, Robbie sits down with STRATMOR Group’s Garth Graham for a discussion on M&A activity in 2025, the plays that larger companies are making through acquisitions, and how deal flows change throughout market cycles. And we close by looking at what the events in Venezuela could mean for bond markets.</p><p>Thanks to <a href='https://polly.io/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'><b>Polly</b></a>. Polly operates the industry's only vertically integrated capital markets platform, purpose-built to maximize profitability through precision cost reduction, margin expansion, and real-time, loan-level attribution and profitability analysis.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we kick off 2026 by examining the flippant nature of predictions. Plus, Robbie sits down with Gallus Insight’s Augie del Rio for a discussion on practical ways companies can assess their artificial intelligence initiatives as we move toward the agentic age. And we close by looking at what economic data portends for the year ahead.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we close out the year with hindsight 20/20 vision. Plus, Robbie sits down with former NAMB President A. W. Pickel for a discussion on the resurgence of the broker and lessons from decades in mortgage banking that still remain relevant today. And we close by looking ahead to 2026 for the mortgage industry.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the trends across generations when it comes to home purchases. Plus, Robbie sits down with Next Belt Strategies' Jeremy Potter for a discussion on when companies should use external labor, why LinkedIn is an intellectual isolation ward, and final thoughts from the year that was in mortgage. And we close by examining market sentiment on the last full trading day of 2025.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at data collection versus data verification versus data analysis.. Plus, Robbie sits down with marketer Bri Lees for a discussion on statistics and findings from an audit on the Chrisman Commentary reach<br />and distribution, that is a must-listen for advertising partners. And we close by looking at the economic calendar for this upcoming week.</p><p><br /></p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at how originators are winning business in modern times. Plus, Robbie sits down with Brian Levy for an interview on Chrisman Commentary expansion. And we close by looking at which direction rates are likely to go.</p><p>Thanks to Gallus Insight, which is transforming employee analytics into actionable insights. Gallus’ ROI tool for learning and development activity is the most powerful in the world, and also the easiest to use.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the state of the industry as we approach the Christmas Day holiday. Plus, Robbie sits down with Rob Chrisman for a discussion on the holiday spirit, industry seasonality, financial modeling, inflation, and tales from Christmas past. And we close by looking at the why rates are treading water ahead of the new year.</p><p>Thanks to Gallus Insight, which is transforming employee analytics into actionable insights. Gallus’ ROI tool for learning and development activity is the most powerful in the world, and also the easiest to use.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the last-minute news before the early market close preceding the Christmas Day holiday. Plus, Robbie sits down with Amergy Bank’s Bill Dawley for a discussion on how top originators are winning business in today’s environment and where affordability initiatives and fair lending intersect. And we close by looking at the latest origination forecast from MBA.</p><p>Thanks to Gallus Insight, which is transforming employee analytics into actionable insights. Gallus’ ROI tool for learning and development activity is the most powerful in the world, and also the easiest to use.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at some employment changes that are impacting the mortgage industry. Plus, Robbie sits down with Ardley’s new AI Chatbot Leo, and Nathan Den Herder, mimicking a typical conversation between a potential borrower exploring mortgage options and an AI bot before being passed off to an originator. And we close by looking ahead to this week's economic calendar.</p><p>Thanks to Gallus Insight, which is transforming employee analytics into actionable insights. Gallus’ ROI tool for learning and development activity is the most powerful in the world, and also the easiest to use.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the lack of change from the GSEs over the course of 2025. Plus, Robbie sits down with Digital Niche Agency’s Jason Fishman on creative capital deployment solutions for lenders and how the borrower credit box is expanding responsibly. And we close by reviewing what the latest inflation reports say about the Fed's direction in 2026.</p><p>Thanks to the Refi Recapture Engine from LO Autopilot. Lenders lose ~80% of recapture business. Their plug & play Refi Recapture Engine triples recapture volume. It runs nonstop, analyzes every loan, creates personalized quotes and sends them directly to borrowers, and delivers refi-ready borrowers to your LOs on a silver platter. </p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we provide in depth reaction to the UWM TWO merger. Plus, Robbie sits down with Foundation Mortgage’s Sam Bjelac for a discussion on the third-party origination and non-QM spaces evolution and expectations as we close out 2025 and enter 2026. And we close by reviewing what the latest PCE reports say about inflation.</p><p>Thanks to the Refi Recapture Engine from LO Autopilot. Lenders lose ~80% of recapture business. Their plug & play Refi Recapture Engine triples recapture volume. It runs nonstop, analyzes every loan, creates personalized quotes and sends them directly to borrowers, and delivers refi-ready borrowers to your LOs on a silver platter. </p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at how originators can stay ahead of the competition when it comes to appraisals. Plus, Robbie sits down with LO Autopilot’s Karen Bates for a discussion on why recapture is critical to lender value, and how technology helps loan officers and lenders reclaim business they typically lose in an increasingly crowded tech landscape. And we close by adding some commentary to recent economic figures that are shaping the rate outlook.</p><p>Thanks to the Refi Recapture Engine from LO Autopilot. Lenders lose ~80% of recapture business. Their plug & play Refi Recapture Engine triples recapture volume. It runs nonstop, analyzes every loan, creates personalized quotes and sends them directly to borrowers, and delivers refi-ready borrowers to your LOs on a silver platter. </p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at what is driving sentiment in the bond markets. Plus, Robbie sits down with Phoenix Burst’s Tela Mathias for a discussion on the latest innovations in the mortgage space and how it is people rather than technology that is driving the pace of change in the industry. And we close by going through some delayed labor market indicators that were released today.</p><p>Thanks to the Refi Recapture Engine from LO Autopilot. Lenders lose ~80% of recapture business. Their plug & play Refi Recapture Engine triples recapture volume. It runs nonstop, analyzes every loan, creates personalized quotes and sends them directly to borrowers, and delivers refi-ready borrowers to your LOs on a silver platter. </p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the Fed's dual mandate. Plus, Robbie sits down with FirstHome IQ’s Kristin Messerli for a discussion on the growing trust and knowledge gap facing Millennial and Gen Z homebuyers, and the industry’s coordinated push to close these gaps and shape a more informed path to homeownership in 2026. And we close by examining what to look forward to on the economic calendar this week.</p><p>Thanks to the Refi Recapture Engine from LO Autopilot. Lenders lose ~80% of recapture business. Their plug & play Refi Recapture Engine triples recapture volume. It runs nonstop, analyzes every loan, creates personalized quotes and sends them directly to borrowers, and delivers refi-ready borrowers to your LOs on a silver platter. Demo?</p>
<p><br />Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at why short-term rates and long-term rates are seeing a decoupling. Plus, Robbie sits down with iEmergent’s Bernard Nossouli for a discussion on why mortgage demand is better predicted by bottom-up, borrower-level and local-market signals than by national macro assumptions, while still requiring vigilance for structural inventory gaps, demographic shifts, and policy shocks that lenders and policymakers must factor in to understand true housing opportunity. And we close by examining what we are in terms of labor market softening.</p><p>With rising credit costs, every dollar matters. L1 Credit is a full-service credit reporting agency designed to help you reduce expenses and safeguard margins. Lenders switching to L1 Credit are consistently seeing 15-20% savings on credit costs. L1 Credit delivers the flexibility and value you need on credit, flood, fraud, and verification products—all backed by the high standard of service you expect from Lenders One. <b>Don’t wait—</b><a href='https://www.lendersone.com/l1-cost-savings-review/?utm_source=email&utm_campaign=L125Q4&utm_medium=ChrismanPodcast&utm_content=L1Credit'><b>request your FREE cost-savings review today</b></a><b> at </b><a href='http://lendersone.com/'><b>lendersone.com</b></a><b>.</b></p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at takeaways from yesterday's Fed decision, Chair Powell's press conference, and what some are mistakenly referring to as the return of quantitative easing. Plus, Robbie sits down with L1’s Justin Demola for a discussion on the evolving credit cost landscape in the mortgage industry. And we close by examining what we are seeing across the coupon stack when it comes to prepayment speeds.</p><p>With rising credit costs, every dollar matters. L1 Credit is a full-service credit reporting agency designed to help you reduce expenses and safeguard margins. Lenders switching to L1 Credit are consistently seeing 15-20% savings on credit costs. L1 Credit delivers the flexibility and value you need on credit, flood, fraud, and verification products—all backed by the high standard of service you expect from Lenders One. <b>Don’t wait—</b><a href='https://www.lendersone.com/l1-cost-savings-review/?utm_source=email&utm_campaign=L125Q4&utm_medium=ChrismanPodcast&utm_content=L1Credit'><b>request your FREE cost-savings review today</b></a><b> at </b><a href='http://lendersone.com/'><b>lendersone.com</b></a><b>.</b></p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the idea of assumable mortgages, which have returned to the spotlight amid current affordability challenges. Plus, Robbie sits down with Texans for Reasonable Solutions’ Nicole Nosek for a discussion on how housing reform hinges on pairing pro-supply, market-friendly policy with strategies that defuse local resistance, protect affordability for lower- and middle-income families. And we close by examining what to expect beyond a rate cut at the conclusion of today's FOMC meeting.</p><p>With rising credit costs, every dollar matters. L1 Credit is a full-service credit reporting agency designed to help you reduce expenses and safeguard margins. Lenders switching to L1 Credit are consistently seeing 15-20% savings on credit costs. L1 Credit delivers the flexibility and value you need on credit, flood, fraud, and verification products—all backed by the high standard of service you expect from Lenders One. <b>Don’t wait—</b><a href='https://www.lendersone.com/l1-cost-savings-review/?utm_source=email&utm_campaign=L125Q4&utm_medium=ChrismanPodcast&utm_content=L1Credit'><b>request your FREE cost-savings review today</b></a><b> at </b><a href='http://lendersone.com/'><b>lendersone.com</b></a><b>.</b></p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at some recent government news emanating from Washington D.C. Plus, Robbie sits down with Fairwinds Magda DeMauro for a discussion on how lenders can overcome regulatory and operational barriers, use education, adopt strategic overlays, and embrace emerging tools to offer more flexible, innovative credit decisions that help better support borrowers seeking new or alternative paths to homeownership. And we close by examining what to expect beyond a rate cut at the conclusion of this FOMC meeting.</p><p>With rising credit costs, every dollar matters. L1 Credit is a full-service credit reporting agency designed to help you reduce expenses and safeguard margins. Lenders switching to L1 Credit are consistently seeing 15-20% savings on credit costs. L1 Credit delivers the flexibility and value you need on credit, flood, fraud, and verification products—all backed by the high standard of service you expect from Lenders One. <b>Don’t wait—</b><a href='https://www.lendersone.com/l1-cost-savings-review/?utm_source=email&utm_campaign=L125Q4&utm_medium=ChrismanPodcast&utm_content=L1Credit'><b>request your FREE cost-savings review today</b></a><b> at </b><a href='http://lendersone.com/'><b>lendersone.com</b></a><b>.</b></p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we discuss just what to look forward to from the Federal Reserve's meeting this week. Plus, Robbie sits down with C2 Financial’s David Temko for a discussion on the upcoming National Home Affordability Counseling Day, where mortgage brokers across America will give free one-on-one credit counseling to create a path to homeownership. And we close by examining why this December is bringing more volatility to the bond markets than usual.</p><p>Lenders One is dedicated to helping independent mortgage bankers, banks and credit unions reduce costs, improve profitability, and operate competitively in the mortgage industry and within their communities.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we discuss just what the Federal Reserve can control as the prices of rare earth metals skyrocket. Plus, Robbie sits down with Creative Title’s Caleb Christopher for a discussion on how lenders can adopt advanced AI and creative financing models while maintaining transparency, security, and consumer protection, and examining how private-capital “non-bank bank” structures, tightening credit, and the needs of underserved borrowers will shape the balance between innovation, risk, and trust. And we close by examining what delayed releases are telling us about the state of inflation.</p><p>Today's podcast is presented by Two Dots. Whether it’s applying to rent an apartment or take out a loan, today’s approval process is full of blind spots and inefficiencies. Critical data sits locked inside documents, leaving companies with an incomplete picture that causes delays, increased risk, and inconsistent decisions. Two Dots is building a better system. One where underwriting and screening is automated not manual. Where applications happen in real-time within a dynamic and contextual conversation. And where better decisions are made faster for everyone.</p>
<p><br />Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we discuss Freddie Mac's new AI/ML framework set to take effect March 3, 2026. Plus, Robbie sits down with MBA’s Marcia Davies for a discussion on lessons from a career that’s soon culminating in retirement, and themes such as self-advocacy, and expanding opportunities for the next generation. And we close by examining what sort of deterioration we are seeing in home prices.</p><p>Today's podcast is presented by Two Dots. Whether it’s applying to rent an apartment or take out a loan, today’s approval process is full of blind spots and inefficiencies. Critical data sits locked inside documents, leaving companies with an incomplete picture that causes delays, increased risk, and inconsistent decisions. Two Dots is building a better system. One where underwriting and screening is automated not manual. Where applications happen in real-time within a dynamic and contextual conversation. And where better decisions are made faster for everyone.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we discuss international headlines that are impacting rate markets domestically. Plus, Robbie sits down with U.S. Bank’s Shelly Kobb and Ohio Housing’s Tom Walker on how Housing Finance Agencies work, the challenges they face in expanding affordable homeownership, the policy and political developments shaping their future, and the innovations and outreach strategies needed to keep their programs sustainable, effective, and accessible. And we close by examining what delayed labor market reports are saying about the economy.</p><p>Today's podcast is presented by Two Dots. Whether it’s applying to rent an apartment or take out a loan, today’s approval process is full of blind spots and inefficiencies. Critical data sits locked inside documents, leaving companies with an incomplete picture that causes delays, increased risk, and inconsistent decisions. Two Dots is building a better system. One where underwriting and screening is automated not manual. Where applications happen in real-time within a dynamic and contextual conversation. And where better decisions are made faster for everyone.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we discuss the Bayview Guild merger. Plus, Robbie sits down with Finastra’s MaryKay Theriault for a discussion on where AI can truly strengthen trust, personalization, and underwriting efficiency without over-automation, and how the evolving intersection of tech adoption, credit policy, and market structure should shape lenders’ preparation for the next lending cycle. And we close by examining what is shaping sentiment with a bond scare coming from Japan.</p><p>Today's podcast is presented by Two Dots. Whether it’s applying to rent an apartment or take out a loan, today’s approval process is full of blind spots and inefficiencies. Critical data sits locked inside documents, leaving companies with an incomplete picture that causes delays, increased risk, and inconsistent decisions. Two Dots is building a better system. One where underwriting and screening is automated not manual. Where applications happen in real-time within a dynamic and contextual conversation. And where better decisions are made faster for everyone.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we discuss some large stories as the mortgage industry enters December. Plus, Robbie sits down with United Home Loans Mike Dulla for a discussion on borrower sentiment and winning business in the current rate environment, automation with “humans in the loop,” and where lender executives are focused. And we close by examining what is shaping sentiment post-Thanksgiving Holiday.</p><p>Today's podcast is presented by Two Dots. Whether it’s applying to rent an apartment or take out a loan, today’s approval process is full of blind spots and inefficiencies. Critical data sits locked inside documents, leaving companies with an incomplete picture that causes delays, increased risk, and inconsistent decisions. Two Dots is building a better system. One where underwriting and screening is automated not manual. Where applications happen in real-time within a dynamic and contextual conversation. And where better decisions are made faster for everyone.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we discuss some ways originators can boost their bottom lines. Plus, Robbie sits down with ALTA’s Chris Morton for a discussion on why seller impersonation and wire fraud persist despite heightened awareness, what new and harder-to-detect schemes are emerging, how the industry can balance speed with security, and how shifting market and technology conditions will shape the next wave of fraud risk and preparedness. And we close by examining market sentiment post-Thanksgiving Holiday.</p><p>Today's podcast is sponsored by <a href='https://www.thebigpos.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'><b>The Big Point of Sale</b></a>, which delivers a fast, flexible, and low-cost mortgage POS that gets lenders up and running in hours (not months) while empowering loan officers and consumers to collaborate seamlessly from any device.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the latest conventional conforming loan limit changes. Plus, Robbie sits down with Panorama Mortgage Group’s Hector Amendola for a discussion on home sales trends, borrower sentiment, rate psychology, and how originators are winning business in the current environment. And we close by examining the backlog of economic releases and what they could do for market sentiment.</p><p>Today's podcast is sponsored by <a href='https://www.thebigpos.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'><b>The Big Point of Sale</b></a>, which delivers a fast, flexible, and low-cost mortgage POS that gets lenders up and running in hours (not months) while empowering loan officers and consumers to collaborate seamlessly from any device.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at some trends across foreclosure data and explore what it means for the housing market. Plus, Robbie sits down with The Big Point of Sale’s Matthew VanFossen for a discussion on the evolution of technology in the mortgage industry and how all parties privy to a mortgage transaction can be included on the same workflows. And we close by ticking though all of the economic releases on today's calendar.</p><p>Today's podcast is sponsored by <a href='https://www.thebigpos.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'><b>The Big Point of Sale</b></a>, which delivers a fast, flexible, and low-cost mortgage POS that gets lenders up and running in hours (not months) while empowering loan officers and consumers to collaborate seamlessly from any device.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at some trends across economic data as it pertains to labor market indicators. Plus, Robbie sits down with Experian’s Royce Chang for a discussion on the Homebuyers Privacy Protection Act and the end of trigger leads, exploring what the shift means for lenders and how predictive modeling, pre-screen tools, and new borrower-engagement strategies can help them compete and thrive in a privacy-first market. And we close by examining what is important on the economic calendar this week.</p><p>Today's podcast is sponsored by <a href='https://www.thebigpos.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'><b>The Big Point of Sale</b></a>, which delivers a fast, flexible, and low-cost mortgage POS that gets lenders up and running in hours (not months) while empowering loan officers and consumers to collaborate seamlessly from any device.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the shifting priorities and sentiments of would-be home buyers. Plus, Robbie sits down with TD Bank’s Jon Giles for a discussion on how today’s rate environment is reshaping housing supply, why rising renovation trends and growing HELOC demand are turning home equity into a powerful financial tool, and how lenders can responsibly meet homeowners’ increasing appetite for equity access. And we close by examining what sort of expectations there are for future rate cuts.</p><p>Thank you to <a href='https://www.figure.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'>Figure</a>. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. Lenders, give your borrowers an experience they will rave about. Learn more at figure.com.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the latest findings from the Mortgage Bankers Association’s (MBA) newly released Quarterly Mortgage Bankers Performance Report. Plus, Robbie sits down with Figure’s Michael Tannenbaum for a discussion on how small-balance first-liens and HELOC-as-refi strategies work, the latest developments after the company’s IPO, and his thoughts on the current lending climate. And we close by examining what the influence of the labor market on mortgage rates.</p><p>Thank you to <a href='https://www.figure.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'>Figure</a>. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. </p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the latest news and corporate developments from around the mortgage industry. Plus, Robbie sits down with HomeLight’s Nick Friedman for a discussion on lender sentiment heading into 2026, with optimism rising and new buyer behaviors taking shape that could reshape the housing market. And we close by examining what sort of prepayments we are seeing in the mortgage-backed security (MBS) market.</p><p>Thank you to <a href='https://www.figure.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'>Figure</a>. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. Lenders, give your borrowers an experience they will rave about. Learn more at figure.com.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the latest news and testimony emerging from the fraud case against Fed Governor Cook. Plus, Robbie sits down with ICE’s John Hedlund for a discussion on how mortgage leaders can scale sustainably, unlock new innovation in risk and operations, balance efficiency with human-centered borrower experience, and prepare for the next major shift in the housing and lending cycle. And we close by examining what sort of performance we are seeing in the mortgage-backed security (MBS) market.</p><p>Thank you to <a href='https://www.figure.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'>Figure</a>. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. Lenders, give your borrowers an experience they will rave about. Learn more at figure.com.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the latest changes (or proposed changes) from FHFA. Plus, Robbie sits down with MBA’s Joel Kan for a discussion on the mortgage industry’s cautiously optimistic outlook, with steady purchase activity, emerging refi opportunities, and expected annual originations above $2 trillion, despite regional housing softness, a gradually weakening labor market, and uncertain short-term impacts from AI. And we close by examining what the economic calendar should look like now that the government is back up and running.</p><p>Thank you to <a href='https://www.figure.com/?utm_source=Chrisman+&utm_medium=Commentary&utm_campaign=Newsletter'>Figure</a>. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. Lenders, give your borrowers an experience they will rave about. Learn more at figure.com.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the latest FHFA drama emanating from Washington DC. Plus, Robbie sits down with Telhio Credit Union’s Allie Hager for a discussion on how independent mortgage banks and credit unions differ in serving today’s borrowers, focusing on borrower sentiment around rates versus payments, strategies for building customer loyalty, and personal insights on professional growth and finding one’s comfort zone. And we close by looking at why economic releases are still delayed despite the end of the government shutdown.</p><p>This week's podcasts are sponsored by TransUnion. Mortgage lenders choose TransUnion for their identity-focused, data-driven mortgage insights and solutions, enabling them to achieve more desirable lending outcomes in a volatile housing market.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look how the Fed could be reshaped with the retirement of Atlanta President Bostic early next year. Plus, Robbie sits down with MeridianLink’s JP Kelly for a discussion on how evolving credit scoring models, real-time analytics, and data integration are reshaping mortgage lending, from improving credit inclusivity and compliance to accelerating decision-making and redefining competition in a data-driven marketplace. And we close by looking at yesterday's 10-year Treasury auction results and market impact.</p><p>This week's podcasts are sponsored by TransUnion. Mortgage lenders choose TransUnion for their identity-focused, data-driven mortgage insights and solutions, enabling them to achieve more desirable lending outcomes in a volatile housing market.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look why extensions cost money. Plus, Robbie sits down with TransUnion’s Satyan Merchant for a discussion on how credit data is evolving from a static score to a dynamic, predictive asset, and what lenders can do right now to turn this wave of disruption into opportunity. And we close by looking at what mortgage applications from MBA portend for the market.</p><p>This week's podcasts are sponsored by TransUnion. Mortgage lenders choose TransUnion for their identity-focused, data-driven mortgage insights and solutions, enabling them to achieve more desirable lending outcomes in a volatile housing market.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look the pros and cons of the 50-year mortgage. Plus, Robbie sits down with Optimal Blue’s Vimi Vasudeva for a discussion on recapture strategy, why borrower retention is more critical than ever, and how lenders can model and price for recapture success. And we close by looking at what the prepayment report says about borrower incentive to refinance.</p><p>This week's podcasts are sponsored by TransUnion. Mortgage lenders choose TransUnion for their identity-focused, data-driven mortgage insights and solutions, enabling them to achieve more desirable lending outcomes in a volatile housing market.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at funded volume trends. Plus, Robbie sits down with TRUE’s Steve Butler for a discussion on the challenges of income analysis in<br />lending, particularly the delays caused by manual data entry and underwriting processes, and how technological advancements are solving this. And we close by looking at what the prepayment report says about borrower incentive to refinance.</p><p>This week's podcasts are sponsored by TransUnion. Mortgage lenders choose TransUnion for their identity-focused, data-driven mortgage insights and solutions, enabling them to achieve more desirable lending outcomes in a volatile housing market.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at news from around the mortgage industry. Plus, Robbie sits down with with Arc Home's Lee Malone for a discussion on the HELOC market: the need for it, the various products out there, and how it’s being utilized across origination channels. And we close by looking at what contributed to bond yields rising.</p><p>Today's podcast is brought to you by ICE. As the standard for innovation, artificial intelligence, efficiency and scalability, ICE is the technology of choice for the majority of industry participants, defining the future of homeownership. </p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the strength of the labor market. Plus, Robbie sits down with Servbank’s Sharmyn Calhoun for a discussion on the importance of technology in modern compliance management. And we close by looking at what contributed to bond yields rising.</p><p>Today's podcast is brought to you by ICE. As the standard for innovation, artificial intelligence, efficiency and scalability, ICE is the technology of choice for the majority of industry participants, defining the future of homeownership. </p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at trends across Agency MBS issuance. Plus, Robbie sits down with ICE's Dana Federspiel for a discussion on the key challenges servicers and subservicers are facing in a rapidly evolving industry, how servicers can achieve greater scalability and efficiency, and which regulatory issues may impact the sector heading into 2026. And we close by looking at what contributed to a positive labor market print this morning.</p><p>Today's podcast is brought to you by ICE. As the standard for innovation, artificial intelligence, efficiency and scalability, ICE is the technology of choice for the majority of industry participants, defining the future of homeownership. </p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at just what the heck is going on down in Texas (TMBA Housing Summit). Plus, Robbie sits down with Polunsky Beitel Green’s Marty Green for a discussion on the latest GSE IPO news, mortgage law in Texas, and the current regulatory environment. And we close by looking at why bond yields continue to rise.</p><p>Today's podcast is brought to you by ICE. As the standard for innovation, artificial intelligence, efficiency and scalability, ICE is the technology of choice for the majority of industry participants, defining the future of homeownership. </p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the competing factors in the Fed's next policy decision. Plus, Robbie sits down with AiCR’s Joe Furlong for a discussion on how intelligent document processing automation with complex, high-volume files can help transform your operations. And we close by looking at what's actually on the economic calendar this week.</p><p>Today's podcast is brought to you by ICE. As the standard for innovation, artificial intelligence, efficiency and scalability, ICE is the technology of choice for the majority of industry participants, defining the future of homeownership. </p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the direction of rates since the Fed's policy decision. Plus, Robbie sits down with dataqollab’s Adam Quinones for a discussion on how Fed actions and rhetoric have been influencing bond movement and MBS spreads. And we close by looking at sentiment surrounding mortgage rates.</p><p>Today's podcast is brought to you by Optimal Blue, the only end-to-end capital markets platform built to power performance, precision, and profitability, helping lenders of all sizes operate more efficiently, manage risk more effectively, and maximize results.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at some of the latest and greatest tech advancements for the mortgage industry. Plus, Robbie sits down with Finance of America’s Kris Buglino for a discussion on reverse mortgages and how they’re being reengineered for the next generation of clients. And we close by looking at yesterday's Fed decision.</p><p>Today's podcast is brought to you by Optimal Blue, the only end-to-end capital markets platform built to power performance, precision, and profitability, helping lenders of all sizes operate more efficiently, manage risk more effectively, and maximize results.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at just what could end the government shutdown. Plus, Robbie sits down with DaylightAML’s Bob Simpson for a discussion on the growing debate around making Agency loans assumable: examining whether such a move could unlock housing market liquidity or create new pricing and equity challenges, how it might impact lenders, investors, and borrowers, and what lessons policymakers can draw from past market interventions. And we close by looking ahead to today's Fed decision.</p><p>Today's podcast is brought to you by Optimal Blue, the only end-to-end capital markets platform built to power performance, precision, and profitability, helping lenders of all sizes operate more efficiently, manage risk more effectively, and maximize results.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at some creative solutions to housing affordability. Plus, Robbie sits down with nCino’s Casey Williams for a discussion on the latest wave of AI-powered mortgage innovations and how these tools are redefining lender efficiency, borrower experience, and what’s next in intelligent mortgage automation. And we close by looking ahead to tomorrow's Fed decision.</p><p>Today's podcast is brought to you by Optimal Blue, the only end-to-end capital markets platform built to power performance, precision, and profitability, helping lenders of all sizes operate more efficiently, manage risk more effectively, and maximize results.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the trends shown in September's CPI figures. Plus, Robbie sits down with Rob Chrisman for a discussion on his on takeaways from MBA Annual, the mood of the industry, and what to look forward to as conference season winds down. And we close by looking ahead to the Fed decision on Wednesday.</p><p>Today's podcast is brought to you by Optimal Blue, the only end-to-end capital markets platform built to power performance, precision, and profitability, helping lenders of all sizes operate more efficiently, manage risk more effectively, and maximize results.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the latest home affordability metrics and anecdotes. Plus, Robbie sits down with Blue Sage Solutions’ Carmine Cacciavillani for a discussion on modified workflows versus true artificial intelligence and how their partnership with Movement Mortgage is where the mortgage industry is headed. And we close by examining how the September CPI figures came in just as some people would have hoped, hmmm.</p><p>Today's podcast is brought to you by <a href='https://www.ncino.com/mortgage/us'>nCino</a>, makers of the <a href='https://www.ncino.com/mortgage/us'>nCino Mortgage Suite</a> for the modern mortgage lender. nCino Mortgage Suite's three core products -- nCino Mortgage, nCino Incentive Compensation, and nCino Mortgage Analytics -- unite the people, systems, and stages of the mortgage process into a seamless end-to-end solution embedded with data-driven insights and intelligent automation. See how nCino can support a homeownership journey that your borrowers and your team will love at nCino.com.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the Federal Reserve's recommendations on capital requirements for banks . Plus, Robbie sits down with Click n' Close's Ian Kimball for a discussion on how originators prioritize strategic growth initiatives, operational execution, and go about market expansion. And we close by examining what's moving sentiment without the normally scheduled data points.</p><p>Today's podcast is brought to you by <a href='https://www.ncino.com/mortgage/us'>nCino</a>, makers of the <a href='https://www.ncino.com/mortgage/us'>nCino Mortgage Suite</a> for the modern mortgage lender. nCino Mortgage Suite's three core products -- nCino Mortgage, nCino Incentive Compensation, and nCino Mortgage Analytics -- unite the people, systems, and stages of the mortgage process into a seamless end-to-end solution embedded with data-driven insights and intelligent automation. See how nCino can support a homeownership journey that your borrowers and your team will love at nCino.com.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we put a wrap on MBA Annual 2025. Plus, Robbie sits down with Bradley's Jonathan Kolodziej for a discussion on the evolving enforcement of federal and state consumer financial laws and some lender best practices for adapting to changes in the regulatory environment. And we close by examining the recent decrease in mortgage applications.</p><p>Today's podcast is brought to you by <a href='https://www.ncino.com/mortgage/us'>nCino</a>, makers of the <a href='https://www.ncino.com/mortgage/us'>nCino Mortgage Suite</a> for the modern mortgage lender. nCino Mortgage Suite's three core products -- nCino Mortgage, nCino Incentive Compensation, and nCino Mortgage Analytics -- unite the people, systems, and stages of the mortgage process into a seamless end-to-end solution embedded with data-driven insights and intelligent automation. See how nCino can support a homeownership journey that your borrowers and your team will love at nCino.com.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we review just what people are talking about in the halls of MBA Annual. Plus, Robbie sits down with Secure Insight's Andrew Liput and Halcyon's Kirk Donaldson on their integrated solution that combines borrower identity, income, and settlement agent verification into a single secure workflow, enhancing mortgage fraud prevention and compliance. And we close by looking at what is making mortgage rates decline.</p><p>Today's podcast is brought to you by <a href='https://www.ncino.com/mortgage/us'>nCino</a>, makers of the <a href='https://www.ncino.com/mortgage/us'>nCino Mortgage Suite</a> for the modern mortgage lender. nCino Mortgage Suite's three core products -- nCino Mortgage, nCino Incentive Compensation, and nCino Mortgage Analytics -- unite the people, systems, and stages of the mortgage process into a seamless end-to-end solution embedded with data-driven insights and intelligent automation. See how nCino can support a homeownership journey that your borrowers and your team will love at nCino.com.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we review just what people are talking about in the halls of MBA Annual. Plus, Robbie sits down with Geoff Sharp at Eris Innovations, the creators of CME’s Eris SOFR Swap futures, to discuss on the growing need for SOFR-based cash flow hedging solutions. And we close by looking at what economic releases are due out this week despite the government shutdown.</p><p>Today's podcast is brought to you by <a href='https://www.ncino.com/mortgage/us'>nCino</a>, makers of the <a href='https://www.ncino.com/mortgage/us'>nCino Mortgage Suite</a> for the modern mortgage lender. nCino Mortgage Suite's three core products -- nCino Mortgage, nCino Incentive Compensation, and nCino Mortgage Analytics -- unite the people, systems, and stages of the mortgage process into a seamless end-to-end solution embedded with data-driven insights and intelligent automation. See how nCino can support a homeownership journey that your borrowers and your team will love at nCino.com.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we take a look at the latest news emanating from Washington DC as it pertains to the CFPB and FEMA federal agencies. Plus, Robbie sits down with Finance of America’s Adam Potafiy for a discussion about his session tomorrow at NAMB National with his colleagues Jonathan and Jessica about reverse mortgages and how they’re being reengineered for the next generation of clients. And there is also a bonus interview with attorney Brian Levy about RESPA</p><p>Today’s podcast is brought to you by Floify, an industry-leading point of sale platform. With Floify’s new Dynamic AI feature, lenders can modify applications with no coding required and rely on AI to autofill key application fields, allowing borrowers to fill out only a few fields relevant to their needs. The result? Faster completions, fewer drop-offs and smoother approvals. Discover smarter lending at www.floify.com or visit Floify in person at MBA Annual.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we take a closer look at the building and affordability problems in America and their correlation. Plus, Robbie sits down with Floify’s Sydney Barber for a discussion on how Dynamic AI is built into its POS to automate tasks like document handling and income verification, speeding up approvals, improving compliance, and enhancing the borrower experience while freeing lenders to focus on relationships. And we close by examining what mortgage-backed security coupons have the most liquidity in the current market.</p><p>Today’s podcast is brought to you by Floify, an industry-leading point of sale platform. With Floify’s new Dynamic AI feature, lenders can modify applications with no coding required and rely on AI to autofill key application fields, allowing borrowers to fill out only a few fields relevant to their needs. The result? Faster completions, fewer drop-offs and smoother approvals. Discover smarter lending at www.floify.com or visit Floify in person at MBA Annual.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at how biometrics are making their way into mortgage banking. Plus, Robbie sits down with Figure’s Anthony Stratis and West Capital Lending’s and Arthur Greenbaum for a discussion on the power of partnership and why they're excited about Figure's new AI-powered DSCR platform. And we close by examining what data points are being released during the government shutdown.</p><p>Today’s podcast is brought to you by Floify, an industry-leading point of sale platform. With Floify’s new Dynamic AI feature, lenders can modify applications with no coding required and rely on AI to autofill key application fields, allowing borrowers to fill out only a few fields relevant to their needs. The result? Faster completions, fewer drop-offs and smoother approvals. Discover smarter lending at www.floify.com or visit Floify in person at MBA Annual.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at how veterans are being helped during the government shutdown. Plus, Robbie sits down with Tavant’s Mohammad Rashid for a discussion on how automation and artificial intelligence will reshape customer experience, streamline operations, and address key lender challenges, positioning technology as the catalyst for modernizing and transforming the mortgage landscape. And we close by examining what data points are being released during the government shutdown.</p><p>Today’s podcast is brought to you by Floify, an industry-leading point of sale platform. With Floify’s new Dynamic AI feature, lenders can modify applications with no coding required and rely on AI to autofill key application fields, allowing borrowers to fill out only a few fields relevant to their needs. The result? Faster completions, fewer drop-offs and smoother approvals. Discover smarter lending at www.floify.com or visit Floify in person at MBA Annual.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we preview some travel tips for MBA Annual in Las Vegas. Plus, Robbie sits down with Covered Insurance’s Jerry Halbrook for a discussion on how insurance is rapidly becoming central to the borrower experience, and the mortgage industry's shift toward embedded insurance. And we close by examining what data points are being released during the government shutdown.</p><p>Today’s podcast is brought to you by Floify, an industry-leading point of sale platform. With Floify’s new Dynamic AI feature, lenders can modify applications with no coding required and rely on AI to autofill key application fields, allowing borrowers to fill out only a few fields relevant to their needs. The result? Faster completions, fewer drop-offs and smoother approvals. Discover smarter lending at www.floify.com or visit Floify in person at MBA Annual.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the partisan nature of a budget deficit. Plus, Robbie sits down with Home Builders Institute’s Ed Brady for a discussion on the home building climate, evolving workforce trends, trade misconceptions, and the strategic solutions needed to rebuild America. And we close by examining why mortgage rates declined this last week.</p><p>Thank you to <a href='https://www.truework.com/overview?utm_source__c=Chrisman&utm_medium__c=Textads&utm_campaign__c=FY25Q2-Chrisman-Advertising-Text-Ads'><b>Truework</b></a>, the only all-in-one, automated VOIEA platform that helps mortgage providers achieve up to 50% cost savings with an industry leading 75% completion rate.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the latest legal challenges to hit the mortgage industry. Plus, Robbie sits down with Cotality’s Thom Malone for a discussion on home price trends across various regions of America and what that portends for affordability as we move towards 2026. And we close by looking at the Minutes of the September FOMC meeting.</p><p>Thank you to <a href='https://www.truework.com/overview?utm_source__c=Chrisman&utm_medium__c=Textads&utm_campaign__c=FY25Q2-Chrisman-Advertising-Text-Ads'><b>Truework</b></a>, the only all-in-one, automated VOIEA platform that helps mortgage providers achieve up to 50% cost savings with an industry leading 75% completion rate.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at how the market is being given direction with the government shutdown. Plus, Robbie sits down with Bank of Oklahoma’s Chris Maloney for a discussion on what’s driving strong performance in the Agency MBS market, the outlook for refinancing and home prices, and how Fed rate cuts are shaping lending conditions and future risks. And we close by looking ahead to the Minutes of the September FOMC meeting.</p><p>Thank you to <a href='https://www.truework.com/overview?utm_source__c=Chrisman&utm_medium__c=Textads&utm_campaign__c=FY25Q2-Chrisman-Advertising-Text-Ads'><b>Truework</b></a>, the only all-in-one, automated VOIEA platform that helps mortgage providers achieve up to 50% cost savings with an industry leading 75% completion rate.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the latest government shutdown impacts on mortgage. Plus, Robbie sits down with Truework’s Randy Lightbody for a discussion on the Fed’s recent rate cut and its impact on borrower behavior, what lenders should watch for, how homebuyers might respond to lower rates, and the critical role of integration and automation in building a more efficient, sustainable path to homeownership. And we close by examining what to look forward to on this week's economic calendar if the government stays shutdown.</p><p>Thank you to <a href='https://www.truework.com/overview?utm_source__c=Chrisman&utm_medium__c=Textads&utm_campaign__c=FY25Q2-Chrisman-Advertising-Text-Ads'><b>Truework</b></a>, the only all-in-one, automated VOIEA platform that helps mortgage providers achieve up to 50% cost savings with an industry leading 75% completion rate.</p>
<p>Welcome to <em>The Chrisman Commentary</em>, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.</p><p>In today’s episode, we look at the latest from the M&A space in mortgage. Plus, Robbie sits down with CHLA’s Taylor Stork for a discussion on why FICO’s direct licensing pricing creates more options for consumers and lenders, but the mortgage industry should remain wary of FICO's monopolistic pricing and practices. And we close by examining what to look forward to on this week's economic calendar if the government stays shutdown.</p><p>Thank you to <a href='https://www.truework.com/overview?utm_source__c=Chrisman&utm_medium__c=Textads&utm_campaign__c=FY25Q2-Chrisman-Advertising-Text-Ads'><b>Truework</b></a>, the only all-in-one, automated VOIEA platform that helps mortgage providers achieve up to 50% cost savings with an industry leading 75% completion rate.</p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through the economic impact of a government shutdown. Plus, Robbie sits down with new California MBA CEO Paul Gigliotti for a discussion on his goals while in the role and how state and national organizations can work together for the greater good of the mortgage industry. And we look at the what is moving markets without normal economic reports.</p><p>This week’s podcasts are sponsored by Spring EQ, one of the nation’s leading non-bank home equity lenders, giving partners more ways to serve customers. Known for speed, service, and innovation, Spring EQ makes tapping into home equity easier.</p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through some big news from FICO about cutting out the credit bureaus. Plus, Robbie sits down with AHMC’s Matthew VanFossen for a discussion on his new role as Chair of State and Local for MBA, key agenda items, and how people can get involved with advocacy. And we look at the latest impacts from the government shutdown.</p><p>This week’s podcasts are sponsored by Spring EQ, one of the nation’s leading non-bank home equity lenders, giving partners more ways to serve customers. Known for speed, service, and innovation, Spring EQ makes tapping into home equity easier.</p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through the impact of a government shutdown on the mortgage industry. Plus, Robbie sits down with Spring EQ’s Reno Heine for a discussion on when and why loan originators should consider HELOC and HELOAN products for clients, key factors in choosing between them, and the future outlook for second mortgages. And we look at the latest influences on both the Fed and mortgage rates.</p><p>This week’s podcasts are sponsored by Spring EQ, one of the nation’s leading non-bank home equity lenders, giving partners more ways to serve customers. Known for speed, service, and innovation, Spring EQ makes tapping into home equity easier.</p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through the impact of a government shutdown on the mortgage industry. Plus, Robbie sits down with Rob Chrisman for a discussion on the drama from DC, conference chatter from around the nation, and what to look for that could make mortgage rates drop. And we look at how upcoming events could influence both the Fed and mortgage rates.</p><p>This week’s podcasts are sponsored by Spring EQ, one of the nation’s leading non-bank home equity lenders, giving partners more ways to serve customers. Known for speed, service, and innovation, Spring EQ makes tapping into home equity easier.</p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through the SEC seeking comments on MBS. Plus, Robbie sits down with NEO Home Loans Ryan Grant for a discussion on a growing shift in the mortgage industry as originators seek platforms that offer true operational control, pricing transparency, and long-term business support, delivering on promises the traditional broker model often fails to keep. And we look at how retail spending could influence both the Fed and mortgage rates.</p><p>This week’s podcasts are sponsored by Spring EQ, one of the nation’s leading non-bank home equity lenders, giving partners more ways to serve customers. Known for speed, service, and innovation, Spring EQ makes tapping into home equity easier.</p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through the latest tariff news and other government happenings as they pertain to the mortgage industry. Plus, Robbie sits down with Angel Oak’s Tom Hutchens for a discussion on the impact of the Fed's rate cuts on mortgage activity and the potential for increased demand for non-QM products like HELOCs. And today brings the latest inflation reading in the form of Fed-favorite PCE.</p><p>This week’s podcasts are sponsored by BeSmartee, the most innovative mortgage technology platform for banks, credit unions, and non-bank mortgage lenders. </p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through MBA's latest origination figures and estimates. Plus, Robbie sits down with Guideline Buddy’s Marc Hernandez for a discussion on AI-powered tools designed to bring instant clarity and confident decision-making to mortgage guidelines, helping industry professionals structure loans faster and more accurately, combining human-in-the-loop intelligence with plans for broader tech integration and white-label partnerships. And why have mortgage rates actually gone up since the Fed cut its overnight rate?</p><p>This week’s podcasts are sponsored by BeSmartee, the most innovative mortgage technology platform for banks, credit unions, and non-bank mortgage lenders. </p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through what MBA and Fannie Mae are predicting for interest rates and volumes. Plus, Robbie sits down with BeSmartee's Tim Nguyen for a discussion on how improving the start-to-submit application journey is a major, often overlooked opportunity for lenders to drive significant revenue, reduce abandonment caused by poor tools or processes, and create a true competitive edge. And maybe Fed Chair Powell likes to reveal nothing.</p><p>This week’s podcasts are sponsored by BeSmartee, the most innovative mortgage technology platform for banks, credit unions, and non-bank mortgage lenders. </p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through how Compass is set to become the largest residential real estate firm in the world after announcing a deal to acquire major rival Anywhere for $1.6 billion. Plus, Robbie sits down with FutureWave Finance’s Steve Thomas for a discussion on the capital markets landscape, focusing on mortgage rate dynamics, policy transmission, shifting market share between CFIs and non-banks, and the impact of demographic trends amid a pause in product innovation. And one would think that the Fed’s market view would be further clarified this week with remarks from 14 Fed officials, right?</p><p>This week’s podcasts are sponsored by BeSmartee, the most innovative mortgage technology platform for banks, credit unions, and non-bank mortgage lenders. </p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through the latest from the CFPB. Plus, Robbie sits down with Ardley’s Nathan Den Herder for a discussion on issues impacting servicers, avoiding frustrated borrowers, and proper recapture strategies in the modern age. And we close by looking at what to expect now that the Fed has begun loosening monetary policy.</p><p>This week’s podcasts are sponsored by BeSmartee, the most innovative mortgage technology platform for banks, credit unions, and non-bank mortgage lenders. </p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through where mortgage rates could go from here (hint: up or down). Plus, Robbie sits down with Gateless’ Mike Brown for a discussion on how lenders can overcome application surges by automating key underwriting tasks in real time, reducing costs, accelerating approvals, and enabling scalable growth without added headcount. And we close by looking at what to expect now that the Fed has begun loosening monetary policy.</p><p>CreditXpert is the all-new credit optimization platform that helps you close more loans. CreditXpert is committed to making homeownership more accessible and<br />affordable for ALL.</p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through all things from yesterday's Fed decision. Plus, Robbie sits down with Indecomm’s Rajan Nair for a discussion on the risks of falling behind in innovation, whether AG(entic)I hype distracts from present issues, and the growing concern over technology power being concentrated in the hands of a few. And we close by looking at what to expect now that the Fed has begun loosening monetary policy.</p><p>CreditXpert is the all-new credit optimization platform that helps you close more loans. CreditXpert is committed to making homeownership more accessible and<br />affordable for ALL.</p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through how companies are maximizing AI. Plus, Robbie sits down with Pylon’s Trent Hedge on why the concept of a ‘mortgage factory’ that requires hoards of people, middleware SaaS, and capital markets intermediaries is no longer the best way to originate a mortgage. And we close by looking at what to expect from today's Fed meeting.</p><p>CreditXpert is the all-new credit optimization platform that helps you close more loans. CreditXpert is committed to making homeownership more accessible and<br />affordable for ALL.</p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through some first time home buyer statistics. Plus, Robbie sits down with Figure’s Mike Cagney to discuss the company’s successful IPO last week and how decentralized finance is going to change the mortgage industry for the better, and soon. And we close by looking at what to expect from today's Fed meeting.</p><p>CreditXpert is the all-new credit optimization platform that helps you close more loans. CreditXpert is committed to making homeownership more accessible and<br />affordable for ALL.</p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through all things Federal Reserve. Plus, Robbie sits down with Potomac Core’s Dan Varroney for a discussion on why the Federal Reserve should cut rates 50-basis points this week due to weakening labor markets and recent inflation data. And we close by looking at the overall economic narrative in the wake of recent data points.</p><p>CreditXpert is the all-new credit optimization platform that helps you close more loans. CreditXpert is committed to making homeownership more accessible and<br />affordable for ALL.</p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through the poor combination of labor and inflation data from this week. Plus, Robbie sits down with Polunsky Beitel Green’s Peter Idziak for a discussion on takeaways from the bipartisan Home Buyers Privacy Protection Act (trigger leads bill), which amends the Fair Credit Reporting Act by shifting trigger leads to an opt-in system, mandates a study on text-based solicitations, and raises concerns about its impact on credit bureau revenue and market competition. And we close by looking at the demand at long-bond auctions over the past couple of days.</p><p>Sponsored by <b>Indecomm</b>. Streamlining operations with the genius blend of automation, AI, and services. Achieve practical digital transformation and real operational impact with Indecomm’s purpose-built mortgage solutions.</p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through the latest Fed rate cut odds in the wake of inflation readings this week. Plus, Robbie sits down with Outamation’s Sapan Bafna for a discussion on how companies can streamline FHA modification workflows and eliminate compliance risks. And we close by looking at the latest CPI reading and reaction.</p><p>Sponsored by <b>Indecomm</b>. Streamlining operations with the genius blend of automation, AI, and services. Achieve practical digital transformation and real operational impact with Indecomm’s purpose-built mortgage solutions.</p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through the BLS payroll revisions and latest on Fed Governor Cook. Plus, Robbie sits down with MCT’s Phil Rasori for a discussion on shifting coverage in response to policy and economic changes, to the expansion of ARM and non-QM products, the growing role of AI in hedging and analytics, evolving tech freeing up staff for strategic work, and the rising demands placed on modern capital markets departments. And we close by looking at why inflation at the wholesale level actually declined in August.</p><p>Sponsored by <b>Indecomm</b>. Streamlining operations with the genius blend of automation, AI, and services. Achieve practical digital transformation and real operational impact with Indecomm’s purpose-built mortgage solutions.</p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through chatter from the Pacific Northwest Mortgage Lenders Conference in Boise. Plus, Robbie sits down with Call Equity’s Mel Lund for a discussion on how operations and sales can assist one another to drive origination volume. And we close by looking at the recently released MBS prepayment report.</p><p>Sponsored by <b>Indecomm</b>. Streamlining operations with the genius blend of automation, AI, and services. Achieve practical digital transformation and real operational impact with Indecomm’s purpose-built mortgage solutions.</p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through takeaways from August's weak payrolls report. Plus, Robbie sits down with Polunsky Beitel Green’s Marty Green on Fed Governor Cook’s timeline for recourse in the courts over her recent firing and various other political happenings as we approach next week’s FOMC meeting. And we close by looking ahead to this week's inflation reports.</p><p>Sponsored by <b>Indecomm</b>. Streamlining operations with the genius blend of automation, AI, and services. Achieve practical digital transformation and real operational impact with Indecomm’s purpose-built mortgage solutions.</p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through how allegations of fraud are shaping the Fed. Plus, Robbie sits down with Gallus’ Augie Del Rio for a discussion on cross-functional analytics and its evolving relationship with AI, as well as the true value of tech providers beyond data. And we close by looking at just how rapidly the labor market is deteriorating.</p><p>Sponsored by <a href='https://www.gallusinsights.co/'>Gallus Insights</a>. Mortgage KPIs, automated, at your fingertips. Gallus allows you to turn data from your various databases and systems into automated business intelligence and actionable insights. </p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through all the latest happenings from Washington DC and how they are impacting the mortgage industry. Plus, Robbie sits down with Porchlight’s David Wells for a discussion on how the mortgage industry is shifting from a human-driven, siloed process to a fully programmatic, API-powered model that automates repetitive tasks, streamlines capital markets execution, and empowers loan officers to focus on high-value, trust-building relationships. And we close by looking at what the Fed's Beige Book said about economic stagnation.</p><p>Sponsored by <a href='https://www.gallusinsights.co/'>Gallus Insights</a>. Mortgage KPIs, automated, at your fingertips. Gallus allows you to turn data from your various databases and systems into automated business intelligence and actionable insights. </p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through trends across the credit landscape, including for commercial mortgage-backed securities. Plus, Robbie sits down with Rob Chrisman for a discussion on lender product offerings and what the fall season has traditionally meant for residential lending. And we close by looking at what MBS spreads from the U.S. Treasury yield curve have been doing to mortgage rates versus historical norms. </p><p>Sponsored by <a href='https://www.gallusinsights.co/'>Gallus Insights</a>. Mortgage KPIs, automated, at your fingertips. Gallus allows you to turn data from your various databases and systems into automated business intelligence and actionable insights. </p>
<p>The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.</p><p>In today’s episode, we go through trends across the credit landscape, including for delinquencies and modifications. Plus, Robbie sits down with Elysian Fields’ Jordan Higgins for a discussion on how intentional micro-wellness can combat burnout, boost focus, and bring accessible, joyful wellness to today’s screen-heavy workplaces. And we close by looking at what MBS spreads from the U.S. Treasury yield curve have been doing to mortgage rates versus historical norms. </p><p>Sponsored by <a href='https://www.gallusinsights.co/'>Gallus Insights</a>. Mortgage KPIs, automated, at your fingertips. Gallus allows you to turn data from your various databases and systems into automated business intelligence and actionable insights. </p>
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