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.
2M 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...
1D 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...
2D 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...
3D 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...
6D 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...
1W 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...
1W 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...
1W AGO
10.6.26 Uncertain Outlook; Polly’s Adam Carmel on PollyOS/Hedge; Rate Pressures
Mortgage markets face a challenging outlook, with industry uncertainty, lender/vendor tensions, and persistent inflationary pressures from oil, deficits, AI-related debt issuance, and tariffs providing little reason to expect rates to decline soon. Robbie interviews Polly’s Adam Carmel on where capital...
1W AGO
10.5.26 Demographics and Financial Literacy; Mortgage Education Institute’s Andrew Conner on CE; MBS Issuance
There is a significant opportunity for lenders to expand the pool of potential homebuyers by better understanding and addressing the financial anxiety, overwhelm, and distrust that hold many younger, otherwise qualified millennials and Gen Z consumers back from pursuing homeownership....
2W AGO
10.2.26 Industry Chatter; Eris Innovations’ Geoffrey Sharp on Options; Poor Payrolls Friday
U.S. home prices have far outpaced inflation since 2011 while income gains have been more uneven, highlighting worsening affordability and inequality, as FHFA pursues changes to credit scoring and appraisal standards amid questions about implementation, market access, and regulatory oversight....
2W AGO
10.1.26 Fourth Quarter Changes; Gateless’ Mike Brown on Automated Decisioning; Fed Chatter Abounds
Q4 opens with heightened uncertainty and industry change, from accelerating lender/company transitions and New York Life Investment Management taking majority control of Invictus/Verus to rapid Agency policy and appraisal changes from FHFA, leaving lenders navigating a market increasingly defined by...
2W AGO
9.30.26 Industry Mailbag; Fairway Independent’s Steve Jacobson on Pivots and Presence; Sell First
We start by looking at three unresolved issues: the tradeoff between housing affordability and protecting existing homeowners, potential ethical concerns around choosing whichever credit-scoring model helps a borrower qualify, and the challenge of protecting AI from foreign attempts to exploit...
2W AGO
9.29.26 Hispanic Homeownership; Maxwell’s John Paasonen and PLACE’s Chris Stuart on Housing Ecosystems; Selling Pressures
Despite a record-low Hispanic poverty rate of 13.9 percent in 2025, down from 21.9 percent in 1973, Hispanics remain disproportionately affected by poverty and continue to face room for improvement in homeownership, underscoring persistent economic and housing disparities highlighted during...
2W AGO
9.28.26 Conference Activities; Falcon Capital Advisors’ Sam Valverde on Rate Environment; Buydown Attractiveness
Treasury yields’ surge to nearly two-decade highs increasingly looks like a structural repricing rather than a temporary selloff, as hawkish Fed policy, resilient data and persistent inflation expectations push markets toward a roughly 70 percent chance of an October hike,...
3W AGO
9.25.26 NEXA’s Mike Kortas on Rumors; Spring EQ’s Reno Heine on Non QM; Talking Rates Up or Down
As NEXA has grown it has been under a microscope by those outside the company. Questions range from its compensation model and recruiting practices to its approach to servicing. Mike Kortas isn't running from those questions. In fact, he thinks...
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