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.

5H AGO

8.21.26 Originators Helping Borrowers; NonQMVerifi’s Danny Flucke on Qualification; Pulling Bond Support

Prospective homebuyers should focus on what they can control: saving as much as possible for a down payment, distinguishing needs from wants, considering more affordable locations or compromises, and shopping multiple lenders to secure the lowest mortgage rate they qualify...

1D AGO

8.20.26 Follow the Money; Renovo Financial’s James Gaskin on Relationships; U.S. Security Demand

The broader “follow the money” theme is hard to ignore: U.S. national debt has surpassed $40 trillion while lawmakers are questioning whether a significantly downsized HUD has enough capacity to implement the new housing law, highlighting the growing gap between...

2D AGO

8.19.26 Loan Production Costs; Polly’s Brandon Story on Capital Markets Tech; Long Bond Rising

Mortgage lenders continued their recovery in Q2 2026, with average production profits rising to $973 per loan and 85 percent of surveyed companies remaining profitable, driven primarily by meaningful reductions in production costs that more than offset declining revenue, while...

3D AGO

8.18.26 Servicing Disasters; Yardi’s Doug Ressler on Home Ownership Trends; Fed on Hold

Extreme weather patterns are increasingly shifting where property and insurance risks are concentrated, with drought worsening in the West and Midwest while tornado activity moves eastward into more populated states such as Illinois, raising damage and insurance costs and potentially...

4D AGO

8.17.26 Escrows and Midterms; Bipartisan Policy Center’s Emma Waters on Housing Reform; Rate Review

The administration is advancing a wide range of controversial housing and credit proposals while Congress has largely shifted to campaigning, leaving federal agencies with the difficult task of implementing the bipartisan housing-supply law and navigating legal challenges to new rules...

1W AGO

8.14.26 Wages Versus Inflation; UpPayment recipient Tiffany Bauldwin on Home Ownership; Treasury Demand

Homeownership remains fundamentally tied to stable employment and household cash flow, yet with prices up 23 percent versus 22 percent wage growth since 2021, many households are losing purchasing power despite higher nominal incomes, underscoring the importance for lenders of...

1W AGO

8.13.26 Home Affordability; Hometap’s Jeff Glass on Home Equity; Specified Pool Execution

Mortgage secondary execution is increasingly a value-optimization exercise rather than a simple Agency versus non-Agency decision, as growing non-Agency investor demand can make private execution more attractive even for loans that qualify for Agency delivery, while expanding non-QM demand creates...

1W AGO

8.12.26 Non Agency Production; Angel Oak’s Tom Hutchens on Non QM; Technology and Information Intersection

The rise of non-Agency and equity lending reflects a fundamental shift in the borrower and economic landscape: record home equity, widespread sub-5 percent mortgage rates and the lock-in effect, high consumer debt, and a growing number of mortgage-free homeowners are...

1W AGO

8.11.26 Conference Chatter; Redwerk’s Konstantin Klyagin on AI Governance; Bond Directionality

There's a widening divide among mortgage lenders as higher rates and a purchase-driven market reward strategic flexibility. Robbie interviews Redwerk's Konstantin Klyagin on how AI in mortgage lending must be governed as an entire decision-making system, requiring rigorous testing of...

2W AGO

8.10.26 Earnings Season; CMBA’s Paul Gigliotti on Advocacy; Spreads and Gains

Second-quarter mortgage earnings highlighted a widening divide between lenders adapting to a prolonged purchase-driven, higher-rate market, and those struggling with weaker volumes and profitability, reinforcing that the winners will ultimately be the companies that preserve the greatest strategic optionality rather...

2W AGO

8.7.26 AI Fears; Wilqo’s Tiffany Jacobelli on Team Building; Payrolls Friday

As AI dominates industry discussions, many see parallels to earlier fears that automated underwriting would replace human underwriters, yet the enduring need for human expertise (along with persistently high mortgage rates) continues to showcase the value of loan professionals and...

2W AGO

8.6.26 UWM Earnings; MSF’s Dawn Dawson on Mortgage Marketing; Ginnie Mae Custom Pools

UWM reported a mixed second quarter, with lower loan volume, a significant net loss, and a suspended dividend offset by a record $2.05 billion capital raise to strengthen its balance sheet, while management remains focused on competitive pricing and long-term...

2W AGO

8.5.26 M&A Activity; HomeLight’s Nick Friedman on Borrower Psychology; Mortgage Applications

Treasuries and Agency MBS have rallied on easing geopolitical tensions, while resilient labor market data, a narrowing trade deficit, and steady purchase-driven mortgage issuance reinforced expectations that the Fed will remain focused on inflation even as higher mortgage rates continue...

2W AGO

8.4.26 Moving and Shaking; Vesta’s Mike Yu on Mortgage Technology; Weary Agency MBS

As the mortgage industry prepares for a busy fall conference season, consolidation remains a defining theme, highlighted by reports that Mason-McDuffie Mortgage has agreed to sell its production business to Place/Envoy Mortgage while exploring a separate sale of its corporate...

3W AGO

8.3.26 Early Information Access; Aon’s John Dickson on Flood Insurance; Market Stability

Non-QM lenders see opportunity in stricter condominium underwriting standards introduced by the FHFA, while broader markets continue to underscore the premium value of timely information, highlighted by reports of potential changes to the Fed's meeting schedule and the launch of...

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