PODCAST
Chrisman Commentary - Daily Mortgage News
The Chrisman Commentary podcast provides daily insights into the mortgage industry, covering market trends, capital markets, and regulatory changes. Hosted by Robbie Chrisman, each episode delivers expert analysis and industry perspectives on the forces shaping housing finance. Whether it’s mortgage rates, lending news, or economic shifts, the podcast offers a clear, concise breakdown of the most important developments.
7H AGO
10.27.26 Origination Costs; Areal’s Argun Kilic on Automation; Second Guess the Fed
In a shrinking residential market, IMBs must strategically avoid price wars with banks and credit unions by capping origination fees or loan officer compensation, while leveraging competitive jumbo ARM offerings to address affordability challenges and changing buyer expectations.Robbie interviews Areal’s...
1D AGO
10.26.26 Politics and Lending; Stellar Innovations’ Anish Thomas on Fulfillment; Competing Rate Forces
U.S. Treasury and agency MBS markets face heightened volatility as AI-related credit concerns spur safe-haven demand, while persistent inflation, elevated oil prices, hawkish central banks, and expanding deficits pressure yields higher, flatten the yield curve, limit mortgage-rate relief, and create...
4D AGO
10.23.26 Trump’s Executive Order; Former FHA Commissioner Frank Cassidy on Housing; Price Correlations
President Trump’s executive order aims to reduce housing and mortgage costs by directing federal agencies to develop a pilot program for proactive mortgage insurance cancellation, make the title insurance waiver pilot permanent, lower direct USDA and VA mortgage rates, and...
5D AGO
10.22.26 Administration Tactics; Experian’s Ryan Rosales on Verification; Housing Market Pressures
The White House is reportedly considering measures to improve affordability by easing mortgage insurance cancellations, expanding GSE title insurance programs, and reducing certain loan premiums and refinancing fees, but the overall impact on mortgage and title insurers is expected to...
6D AGO
10.21.26 Electronic Mailbag; Knock’s Sean Black on Buy Before You Sell; Treasury Risk Haven
MBA Homebase now allows loan officers to access industry education, coaching, and professional development regardless of their employer’s membership status, while questions remain about the role of Fannie Mae and Freddie Mac in state-level housing initiatives. Meanwhile, growing federal debt...
1W AGO
10.20.26 AI Financing Boom; NFTYDoor’s Tim Rowan on Home Equity; Housing Health
Fraud remains a serious and growing concern, with AI making it easier to create fraudulent documents and increasing the need for reliable verification services. Mortgage lenders must educate clients about fraud risks, use trusted third-party providers, and conduct thorough background...
1W AGO
10.19.26 Advertising Versus Marketing; AngelAi’s Pavan Agarwal on Automation; Bond Movement
Effective marketing requires understanding consumer behavior and recognizing that advertising is only one component of marketing, with AI increasingly playing a role, especially in lending. However, transparency and trust are critical, as many U.S. banks are blocking AI agents like...
2W AGO
10.16.26 National Takeaways; Realtor Arrian Binnings on Originator Relationships; Safe Haven Trade
The mortgage industry faces mounting pressure as the MBA projects 2027 mortgage production will decline 5% from 2026 and fall below $2 trillion, prompting lenders to reduce loan officer headcount, cut benefits, and shift production toward lower-cost, technology-enabled channels, with...
2W AGO
10.15.26 Demo Day; Polunsky Beitel Green’s Andy Duane and Tye McWhorter on DSCR; Wholesale Inflation
The MBA’s 2026 policy roadmap proposes targeted administrative and regulatory changes to improve housing affordability without congressional action, including reducing GSE credit-reporting and pricing costs, lowering FHA mortgage insurance premiums, expanding AI-assisted underwriting, and cutting title insurance expenses; a 20-bp...
2W AGO
10.14.26 Credit Scoring; Owen Lee on MBA; Restrictive Financial Conditions
The mortgage industry is increasingly adopting VantageScore 4.0 as FHFA reforms expand its use in Fannie Mae and Freddie Mac lending, potentially improving credit access and reducing borrowing costs for some consumers. Major lenders are implementing the model, which incorporates...
2W AGO
10.13.26 National Storylines; nCino’s Casey Williams on Process Friction; Incoming Data
The mortgage industry is balancing technological optimism with growing concerns about privacy, accountability, and leadership. As AI tools like AddyAI demonstrate the potential to streamline underwriting, resolve documentation issues, detect fraud, and reduce costs without weakening credit standards, lenders are...
2W AGO
10.12.26 MBA National Storylines; Saul Ewing’s Jason McElroy on the Telephone Consumer Protection Act; Bond Markets Closed
The housing and mortgage industry faces a mix of long-term opportunity, near-term affordability challenges, and economic uncertainty. With 132.7 million occupied U.S. housing units and approximately 72 million children under 18 representing future homebuyers, the market has a substantial generational...
3W AGO
10.9.26 Economic Strength; Floify’s Maggie Swanson on Customizable Loan Apps; Prepayment Data
While U.S. stock market strength remains concentrated in the highly profitable "Magnificent Seven" tech companies, mortgage demand continues to weaken, with September 2026 funded volume down 15% year over year and 10% month over month as retail 30-year conforming rates...
3W AGO
10.8.26 Trivia Night; Gather Markets’ Wayne Brown on CRA-Eligible Loans; Pushing Rates
With about 10,000 Americans turning 62 each day, companies should consider offering HECM products, especially as mortgage origination volumes are expected to decline roughly 8–10 percent and rising rates may further pressure margins and forecasts. U.S. fixed-income markets face mounting...
3W AGO
10.7.26 Headlines Into Annual; Ralo’s Arjun Lalwani on Anthrotech Intersections; Fundamentals and Valuations
Ahead of next week’s National MBA conference, the mortgage industry is seeing heightened uncertainty, including layoffs, shifting Fannie/Freddie market-share dynamics, weak builder and wholesale-lender stocks, and significant pressure on UWM following hedging issues and a securities-fraud lawsuit tied to its...
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