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	<url>
		<loc>https://chrismancommentary.com/post/jun-5-2013/</loc>
		<lastmod>2013-06-05T22:23:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jun-6-2013-mortgage-jobs-the-role-of-secondary-freddie-fannies-stock-prices-recent-updates-and-move-toward-a-single-security/</loc>
		<lastmod>2013-06-06T16:08:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jun-7-2013-genworth-job-cuts-mo-flood-insurance-across-the-nation-recent-disparate-impact-cases-cfpb-employees-unionize/</loc>
		<lastmod>2013-06-07T16:09:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/the-reason-for-the-increase-in-mini-correspondent-offerings-to-brokers-investor-vendor-updates/</loc>
		<lastmod>2013-06-09T20:46:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-10-mortgage-jobs-correspondents-ex-cfpb-folks-go-into-non-qm-biz-yes-you-read-that-correctly/</loc>
		<lastmod>2013-06-10T12:20:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-11-mortgage-jobs-why-should-you-care-about-basel-iii-fha-hud-chatter-on-interest-calcs-guidance-ecoa-qm/</loc>
		<lastmod>2013-06-11T11:49:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-12-mortgage-jobs-fannies-premium-recapture-policy-margin-vs-volume-formula-how-is-the-mba-app-number-derived/</loc>
		<lastmod>2013-06-12T12:43:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-13-mortgage-branch-opportunities-mini-correspondent-the-new-paradigm-agency-investor-updates/</loc>
		<lastmod>2013-06-13T12:41:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-14-ocwen-nar-cfpb-banks-chase-phhs-comprehensive-list-of-defects/</loc>
		<lastmod>2013-06-14T12:35:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-15-down-payment-trends-does-home-ownership-lead-to-higher-unemployment-investor-conference-updates/</loc>
		<lastmod>2013-06-15T12:28:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-17-mortgage-jobs-eminent-domain-wont-go-away-more-on-mini-corr-deducting-home-interest-and-the-popularity-of-15-yr-refis/</loc>
		<lastmod>2013-06-17T10:25:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-18-mortgage-branch-opportunities-nj-adopts-uniform-state-test-the-supreme-court-new-non-agency-security/</loc>
		<lastmod>2013-06-18T12:34:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-19-mortgage-jobs-las-vegas-dodd-frank-update-harp-date-petition-cfpb-reminders/</loc>
		<lastmod>2013-06-19T11:59:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-20-mortgage-jobs-yes-rates-are-higher-so-now-what-north-las-vegas-opts-to-use-eminent-domain/</loc>
		<lastmod>2013-06-20T11:44:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-21-moodys-a-few-state-level-mortgage-changes-are-you-ready-for-fmic/</loc>
		<lastmod>2013-06-21T11:09:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-22-reader-comments-from-across-the-nation-on-the-fha-qm-mini-corr-qe-escrow-accounts-and-high-priced-loans/</loc>
		<lastmod>2013-06-22T12:03:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-24-mortgage-jobs-qms-impact-on-lending-and-the-nar-and-mba-weigh-in-on-it-and-on-h-r-1077s-949/</loc>
		<lastmod>2013-06-24T10:13:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mortgage-jobs-investor-changes-hpml-issues-mba-outlines-secondary-market-proposals-lenders-to-do-margin-calls-on-broker-dealers/</loc>
		<lastmod>2013-06-25T09:56:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-26-mortgage-jobs-aba-weighs-in-on-gse-reform-bill-freddie-changes-low-activity-fee-affiliated-adds-mini-corr-mandatory/</loc>
		<lastmod>2013-06-26T12:07:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-28-mortgage-jobs-mba-compliance-tracking-site-impound-account-site-state-level-news-worth-a-glance/</loc>
		<lastmod>2013-06-28T13:06:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-29-doc-change-in-california-broker-to-banker-rumblings-citi-weighs-in-on-texas-changes/</loc>
		<lastmod>2013-06-29T12:11:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-1-capital-markets-job-basel-iii-vote-tomorrow-chatter-about-mini-corr-affiliate-relationships-warehouse-lines-and-brokers/</loc>
		<lastmod>2013-07-01T12:27:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-2-more-chatter-on-mini-corr-shrinking-margins-selling-caps-new-freddie-security-citi-settles-with-fannie/</loc>
		<lastmod>2013-07-02T12:42:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-3-mortgage-jobs-basel-iii-approved-by-fed-watch-regulation-costs-rise-fitch-addresses-nationstar-bonds-as-expected-mortgage-apps-plummet-last-week/</loc>
		<lastmod>2013-07-03T12:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-5-cfpb-update-lender-and-investor-updates-is-now-the-time-to-sell-stock-rates-rise-more-on-unemployment-data/</loc>
		<lastmod>2013-07-05T12:56:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-6-reader-comments-on-hpml-issues-and-the-viability-of-the-mini-correspondent-program/</loc>
		<lastmod>2013-07-06T12:28:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-8-mortgage-jobs-the-mbas-work-on-apor-and-margin-best-practices-new-lawsuits-the-return-of-long-terms-lock-talk/</loc>
		<lastmod>2013-07-08T12:50:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-9-the-cost-of-compliance-is-going-up-volumes-are-going-down-measuring-is-the-first-step-to-improving-efficiency/</loc>
		<lastmod>2013-07-09T12:43:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-10-mortgage-production-jobs-efforts-to-lower-costs-continue-nomura-to-roll-out-non-agency-security/</loc>
		<lastmod>2013-07-10T12:57:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-11-mortgage-jobs-fannies-non-agency-issuance-ops-production-departments-dusting-off-arm-manuals/</loc>
		<lastmod>2013-07-11T12:43:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-12-arm-primer-from-the-fed-more-on-end-of-month-closings-chase-where-are-locked-pipelines-going/</loc>
		<lastmod>2013-07-12T12:49:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-13-title-company-jobs-a-couple-lawsuits-of-interest-lots-of-chatter-for-appraisers/</loc>
		<lastmod>2013-07-13T14:12:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-15-mortgage-jobs-lo-overtime-ruling-jumbo-rates-vs-conforming-rates-risks-here-risks-there-risks-everywhere/</loc>
		<lastmod>2013-07-15T12:45:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-16-mortgage-jobs-wells-expansion-into-real-estate-non-bank-servicer-growth-respa-affiliate-relationships/</loc>
		<lastmod>2013-07-16T12:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-17-mortgage-retail-secondary-p-builder-confidence-7-yr-high-cole-taylor-up-for-grabs/</loc>
		<lastmod>2013-07-17T12:20:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-18-mortgage-lo-and-ae-jobs-a-formula-more-on-arm-resets-more-on-cole-taylor/</loc>
		<lastmod>2013-07-18T12:47:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-19-yes-point-banks-are-against-the-regulations-wells-pnc-more-on-3-cap-and-fees/</loc>
		<lastmod>2013-07-19T11:13:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-20-yes-there-are-changes-in-the-industry-state-level-news-including-hubbub-in-new-york/</loc>
		<lastmod>2013-07-20T12:15:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-22-mortgage-production-jobs-watching-reit-performance-another-big-settlement-ny-states-fhasubprime-nightmare/</loc>
		<lastmod>2013-07-22T12:45:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-23-mortgage-jobs-a-primer-on-fha-203k-loans-yes-theyre-alive-and-well-chatter-on-general-rate-trends/</loc>
		<lastmod>2013-07-23T12:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-24-mortgage-secondary-cfpb-goes-after-castle-good-news-in-mi-earnings-good-rumor-on-qrm/</loc>
		<lastmod>2013-07-24T11:52:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-25-mortgage-jobs-in-ca-comments-on-lo-comp-plans-and-3-qm-cap-free-qm-webinar/</loc>
		<lastmod>2013-07-25T11:40:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-26-ubs-settles-with-fhfa-bank-lending-trend-wells-bales-and-sails-on-jvs-no-big-deal-so-you-want-a-speaker-from-the-cfpb/</loc>
		<lastmod>2013-07-26T12:15:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-27-comments-on-non-qm-loans-m-kpmg-study-on-bank-mergers/</loc>
		<lastmod>2013-07-27T11:18:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-29-mortgage-jobs-freddies-deal-what-happens-if-an-lo-owns-a-piece-of-a-title-company-how-bout-those-jumbo-rates/</loc>
		<lastmod>2013-07-29T12:00:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-30-mortgage-jobs-everbank-to-focus-on-correspondent-cfpb-weighs-in-on-ecoa-fha-mip-disclosure-issue/</loc>
		<lastmod>2013-07-30T09:16:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-31-mortgage-jobs-eminent-domain-embraced-by-california-city-no-mel-watt-vote-til-september-libor-lawsuits/</loc>
		<lastmod>2013-07-31T09:36:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-1-mortgage-jobs-where-can-i-find-the-definition-of-a-mortgage-application/</loc>
		<lastmod>2013-08-01T12:23:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-2-mortgage-jobs-in-secondary-and-at-the-mba-are-los-legally-liable-for-their-companys-comp-plan/</loc>
		<lastmod>2013-08-02T13:17:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-3-reader-comments-on-castle-cook-current-volumes-point-banks-and-the-definition-of-an-application/</loc>
		<lastmod>2013-08-03T11:11:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-5-mortgage-jobs-higher-flood-insurance-costs-are-here-to-stay-upcoming-conferences-training-events/</loc>
		<lastmod>2013-08-05T12:41:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-6-mortgage-secondary-job-more-lo-comp-implications-cfpb-updates-obama-housing-speech-today/</loc>
		<lastmod>2013-08-06T12:33:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-7-reverse-mortgages-in-the-news-the-presidents-mortgage-plan-fdic-videos-on-interest-rate-risk/</loc>
		<lastmod>2013-08-07T12:03:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/august-8-state-level-lending-changes-who-can-keep-track-i-have-to-keep-lo-web-ads-for-how-long/</loc>
		<lastmod>2013-08-08T12:33:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-9-mortgage-jobs-more-bofa-legal-woes-primer-on-eminent-domain-its-tax-consequences-and-its-lawsuits/</loc>
		<lastmod>2013-08-09T12:42:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-10-letters-from-readers-on-congress-the-gses-borrower-data-what-constitutes-an-application-and-mini-corr/</loc>
		<lastmod>2013-08-10T11:58:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-12-mortgage-jobs-cfpb-goes-after-pnc-tarp-lawsuit-stratmor-survey-on-response-to-higher-rates/</loc>
		<lastmod>2013-08-12T11:10:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-13-mortgage-jobs-fraud-stats-overstated-mortgage-banker-margins-fine-tuning-nations-lo-and-lender-numbers/</loc>
		<lastmod>2013-08-13T09:37:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-14-mortgage-jobs-western-sky-lawsuit-europes-economy-improving-issue-with-freddie-increasing-market-share-rate-locks-continue-down/</loc>
		<lastmod>2013-08-14T12:40:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-15-mortgage-jobs-hud-weighs-in-on-eminent-domain-berkshire-buys-more-of-wells-will-qmqrm/</loc>
		<lastmod>2013-08-15T12:41:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-16-servicing-revenue-gains-in-importance-lender-margin-survey-lo-comp-continues-as-an-issue-amazing-all-cash-buyer-numbers/</loc>
		<lastmod>2013-08-16T12:41:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-17-letters-on-qm-eminent-domain-lo-comp-the-increasing-mountain-of-rules-mortgage-brokers-etc/</loc>
		<lastmod>2013-08-17T12:03:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-19-mortgage-production-jobs-appraisal-air-links-last-weeks-cfpb-changes-including-atrqm-upcoming-training-seminars/</loc>
		<lastmod>2013-08-19T12:34:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-20-mortgage-jobs-realtors-in-house-lenders-fincen-compliance-with-job-changes-are-non-competes-valid/</loc>
		<lastmod>2013-08-20T09:50:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-21-sales-brokers-share-of-biz-drops-fannie-freddie-update-policies-including-qmatr-uldd-and-fees/</loc>
		<lastmod>2013-08-21T09:49:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-22-mortgage-jobs-lending-biz-hunkering-down-but-the-economys-numbers-are-good-loandepot-imortgage-to-tie-the-knot/</loc>
		<lastmod>2013-08-22T10:27:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-23-mortgage-jobs-foreclose-timelines-va-net-value-change-bank-credit-union-ma-rolls-on-unabated/</loc>
		<lastmod>2013-08-23T11:39:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-24-readers-contribute-on-rapid-rescoring-defining-affiliated-business-relationships-renting-space-in-a-realtors-office-and-appraisal-compliance/</loc>
		<lastmod>2013-08-24T12:02:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-26-mortgage-jobs-reg-z-appraisal-reminder-can-lo-commission-change-due-to-investor-do-lo-fingerprints-expire/</loc>
		<lastmod>2013-08-26T11:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-27-mortgage-jobs-qrm-tomorrow-more-on-fingerprints-and-changing-lo-comp-are-purchases-worth-more-than-refis/</loc>
		<lastmod>2013-08-27T10:52:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-28-mortgage-jobs-chases-6-billion-lawsuit-will-your-vendor-be-ready-for-the-cfpbs-changes/</loc>
		<lastmod>2013-08-28T10:54:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-29-a-primer-on-gdp-heres-a-riddle-for-you-what-has-500-pages-and-3-letters-and-what-does-it-mean/</loc>
		<lastmod>2013-08-29T12:33:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-30-deals-from-radian-mbas-per-loan-profit-numbers-comp-survey-expanded/</loc>
		<lastmod>2013-08-30T12:44:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-31-tales-of-football-toughness-comments-on-the-broker-channel-cfpbs-new-officers-a-retirement-letter/</loc>
		<lastmod>2013-08-31T12:28:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-3-mortgage-jobs-mini-corr-risks-for-brokers-will-joint-ventures-and-affilated-relationships-be-banned-do-qm-loans-mean-no-lawsuits/</loc>
		<lastmod>2013-09-03T12:18:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-4-mortgage-jobs-provident-cuts-ios-ellie-mae-up-for-sale-do-brokers-have-to-keep-5-of-their-production/</loc>
		<lastmod>2013-09-04T12:45:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-5-eminent-domain-setback-upcoming-repurchase-thoughts-ff-coming-up-on-5-years-would-you-work-there-employment-data-primer/</loc>
		<lastmod>2013-09-05T12:39:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-6-builders-tweak-financing-genworths-take-on-qm-are-los-liable-for-illegal-comp-plans-you-bet-they-are/</loc>
		<lastmod>2013-09-06T12:50:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-7-letters-about-new-lo-training-changes-in-circumstance-float-downs-bank-mergers-acquisitions-continue/</loc>
		<lastmod>2013-09-07T12:48:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-9-mortgage-jobs-stonegate-files-for-going-public-changes-in-texas-laws-compliance-for-broker-to-banker/</loc>
		<lastmod>2013-09-09T11:12:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-10-corres-thoughts-on-purchase-biz-gritty-predictions-from-wells-sec-qrm-comment-site/</loc>
		<lastmod>2013-09-10T11:49:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-11-mortgage-jobs-richmond-approves-eminent-domain-lender-updates-goodbye-overlays-hello-tics-125s-and-non-qm-loans/</loc>
		<lastmod>2013-09-11T12:32:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-12-umpqua-citi-layoffs-even-the-big-boys-are-supposedly-easing-lending-standards/</loc>
		<lastmod>2013-09-12T12:57:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-13-cfpb-cordrays-testimony-who-will-regulate-the-regulator-talk-about-the-preparing-for-a-cfpb-exam/</loc>
		<lastmod>2013-09-13T13:21:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-14-gnmas-approval-of-fhlb-chicago-letters-on-lo-comp-and-fannie-foreign-humor/</loc>
		<lastmod>2013-09-14T11:19:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-16-mortgage-jobs-cfpb-unleashes-amendments-to-ecoa-respa-and-tila-is-the-fha-doing-better-or-isnt-it/</loc>
		<lastmod>2013-09-16T12:14:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-17-mortgage-jobs-including-secondary-reverse-mortgage-changes-va-benefits-changing-producing-branch-managers-endangered/</loc>
		<lastmod>2013-09-17T12:41:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-18-mortgage-cfo-job-things-are-good-in-servicing-credit-unions-and-mi-will-the-industry-embrace-non-qm-loans/</loc>
		<lastmod>2013-09-18T12:44:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-19-mortgage-jobs-more-on-qm-cortland-leaving-wholesale-and-other-bank-ma-news/</loc>
		<lastmod>2013-09-19T12:59:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-20-wells-production-layoffs-pennymac-non-agency-deal-thoughts-mba-is-tough-to-type/</loc>
		<lastmod>2013-09-20T11:00:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-21-letters-on-advertising-qm-investor-updates/</loc>
		<lastmod>2013-09-21T11:46:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-23-mortgage-production-jobs-state-are-gift-cards-a-respa-violation/</loc>
		<lastmod>2013-09-23T12:14:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-24-mortgage-jobs-maternity-leave-loans-branch-implications-of-a-conventional-loan-amout-cut/</loc>
		<lastmod>2013-09-24T12:00:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-25-mortgage-jobs-more-on-temporary-leave-branch-manager-comp-are-companies-liable-for-employee-fraud/</loc>
		<lastmod>2013-09-25T10:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-26-mortgage-jobs-in-the-ne-how-a-government-shut-down-impact-lending-if-at-all/</loc>
		<lastmod>2013-09-26T11:58:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-27-dont-ignore-the-bsa-potential-government-shutdown-entering-investor-updates-nationstar-takes-down-41-billion-in-servicing/</loc>
		<lastmod>2013-09-27T13:12:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-28-the-cfpb-thoughts-on-bankrate-ads-pawnshops-offering-debit-cards/</loc>
		<lastmod>2013-09-28T12:59:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-30-mortgage-jobs-who-owns-an-los-client-list-the-fha-needs-how-much-the-mba-addresses-the-shutdown/</loc>
		<lastmod>2013-09-30T12:54:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-1-mortgage-jobopportunity-check-out-the-fhas-qm-program-rules-new-penn-roles-out-mini-correspondent-do-price-increase/</loc>
		<lastmod>2013-10-01T12:43:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-2-mortgage-jobs-shutdown-chatter-maxine-waters-discusses-flood-insurance-costs-ma-alive-and-well-in-the-biz/</loc>
		<lastmod>2013-10-02T12:36:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-3-mortgage-jobs-confusion-over-4506-ttax-transcripts-in-the-shutdown-lenders-aggregators-various-policies/</loc>
		<lastmod>2013-10-03T12:09:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-4-lawsuit-settlement-report-more-shutdown-chatter-i-will-be-glad-when-this-4506-t-confusion-is-finished/</loc>
		<lastmod>2013-10-04T12:47:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-5-letters-on-advertising-zillows-policies-playing-by-the-lo-comp-rules-and-the-importance-of-monitoring-warehouse-costs/</loc>
		<lastmod>2013-10-05T12:45:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-7-bank-earnings-coming-friday-bank-updates-state-level-lending-changes-thoughts-on-the-current-ma-environment-for-lenders/</loc>
		<lastmod>2013-10-07T12:39:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-8-mortgage-jobs-cfpb-tools-for-research-4506-t-indem-thoughts-parts-of-phh-up-for-sale/</loc>
		<lastmod>2013-10-08T12:22:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-9-mortgage-jobs-lots-going-on-in-the-mi-biz-investor-vendor-updates-continue/</loc>
		<lastmod>2013-10-09T11:31:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-10-mortgage-jobs-stonegate-freedom-and-nmi-in-the-stock-markets-cfpb-penalizes-two-lenders-on-hmda-violations/</loc>
		<lastmod>2013-10-10T09:51:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-11-mortgage-jobs-but-also-layoffs-stratmor-survey-of-conditions-opposing-views-of-fhas-health-mers-keeps-on-truckin/</loc>
		<lastmod>2013-10-11T11:51:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-12-input-on-msas-reg-z-govt-intervention-tom-lamalfas-semiannual-survey-of-the-mortgage-environment/</loc>
		<lastmod>2013-10-12T12:26:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-14-mortgage-jobs-comment-on-flood-insurance-changes-mba-cfpb-joint-webinars/</loc>
		<lastmod>2013-10-14T12:29:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-15-mortgage-jobs-mic-cuts-back-lending-due-to-dodd-frank-lo-retirement-contribution-fha-in-the-shutdown/</loc>
		<lastmod>2013-10-15T12:17:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-16-lots-of-mortgage-jobs-lawsuits-from-naihp-ncua-new-york-agency-investor-updates/</loc>
		<lastmod>2013-10-16T12:09:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-17-mortgage-jobs-compatability-survey-for-m-can-i-close-my-loan-now/</loc>
		<lastmod>2013-10-17T12:49:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-18-remember-that-non-qm-is-not-the-same-as-subprime-more-wells-layoffs-at-least-rates-are-cooperating-this-week/</loc>
		<lastmod>2013-10-18T12:40:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-19-can-a-mortgage-loan-originator-earn-more-or-be-penalized-from-mistakes-if-an-lo-changes-jobs-are-they-still-owed-money/</loc>
		<lastmod>2013-10-19T11:46:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-21-mortgage-jobs-webinar-on-govt-agency-scrutiny-state-level-updates-what-is-a-fannie-defect-rate/</loc>
		<lastmod>2013-10-21T11:46:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-22-mortgage-jobs-esnt-starts-trading-agency-updates-primer-on-primary-secondary-spread/</loc>
		<lastmod>2013-10-22T12:34:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-23-mortgage-jobs-harp-date-change-new-coop-setback-for-jumbo-securities-mba-conference-coming-up/</loc>
		<lastmod>2013-10-23T11:20:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-24-mortgage-jobs-update-from-the-agencies-some-informal-notes-on-our-friend-qm/</loc>
		<lastmod>2013-10-24T11:22:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-25-mortgage-jobs-bofa-cuts-4200-more-on-qm-citi-selling-63b-of-servicing-propect-mortgages-ny-fine/</loc>
		<lastmod>2013-10-25T11:21:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-26trends-for-builders-letters-on-qm-points-fees-mini-corr-high-cost-mortgages-ecoa-snafu-and-msas/</loc>
		<lastmod>2013-10-26T10:00:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-28-mortgage-jobs-vendors-offering-qm-products-qms-impact-on-mi-vendor-investor-updates/</loc>
		<lastmod>2013-10-28T10:13:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-29-mortgage-jobs-more-on-qm-what-about-loan-limits-gfees/</loc>
		<lastmod>2013-10-29T10:07:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-30-mel-watt-lender-investor-news/</loc>
		<lastmod>2013-10-30T10:40:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-31-mortgage-jobs-in-wholesale-suntrust-pulls-plug-on-wholesale-letters-from-waters-thoughts-on-the-mba-conference-atmosphere/</loc>
		<lastmod>2013-10-31T11:49:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-1-wholesale-channel-chatter-mel-watt-nomination-blocked-for-now-new-fannie-lawsuit-a-favorite-joke/</loc>
		<lastmod>2013-11-01T11:52:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-2-letters-on-nationstar-hoepa-borrower-privacy-reminder-of-agency-udpates-clever-joke/</loc>
		<lastmod>2013-11-02T10:50:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-4-mortgage-jobs-citi-non-agency-deal-cfpb-goes-after-affiliate-business-relationships-watch-respa-gifts-these-holidays/</loc>
		<lastmod>2013-11-04T12:53:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-5-mortgage-jobs-upcoming-events-attorneys-weigh-in-on-qm-and-its-impact-on-buybacks-liabilities/</loc>
		<lastmod>2013-11-05T13:20:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-6-mortgage-jobs-ally-says-adios-should-we-care-about-mel-watt-fannies-current-qm-guidance-worth-knowing/</loc>
		<lastmod>2013-11-06T13:27:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-7-mortgage-jobs-thoughts-on-succesful-retail-lender-traits-nationstar-stonegate-sittin-in-a-tree/</loc>
		<lastmod>2013-11-07T13:28:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-8-mortgage-jobs-flagstar-and-castle-mbs-margin-requirements-could-hurt-rate-locks-pricing-and-thus-borrowers/</loc>
		<lastmod>2013-11-08T13:56:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-9-letters-on-monitoring-debt-prior-to-closing-respa-and-trends-in-lo-layoffs-recent-earnings-40-business-days-left-til-qm/</loc>
		<lastmod>2013-11-09T12:59:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-11-mortgage-jobs-training-vendor-40-business-days-until-qm-whats-the-big-deal/</loc>
		<lastmod>2013-11-11T10:48:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-12-mortgage-lo-freddie-the-cfpb-bank-ma-continues-to-be-strong/</loc>
		<lastmod>2013-11-12T11:57:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-13-mortgage-jobs-cfpb-investor-updates-39-biz-days-to-go/</loc>
		<lastmod>2013-11-13T11:00:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-14-mortgage-jobs-nationwide-j-d-powers-mortgage-survey-38-business-days-til-qm-the-chance-of-delay-cfpbs-counseling-site/</loc>
		<lastmod>2013-11-14T12:11:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-15-mortgage-jobs-eminent-domain-is-still-with-us-what-pimco-shrinking-means-investor-bank-updates/</loc>
		<lastmod>2013-11-15T13:31:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-16-update-on-vendor-management-from-occ-letters-on-issues-impacting-lending-including-monitoring-counterparties-wells-cuts-31-arm-program/</loc>
		<lastmod>2013-11-16T13:16:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-18-mortgage-jobs-why-you-should-care-about-mount-holly-gardens-thoughts-on-m-36-business-days-for-qm/</loc>
		<lastmod>2013-11-18T13:24:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-19-mortgage-jobs-the-argument-for-the-fed-reducing-mbs-purchases-35-business-days-til-qm-pace-loan-update/</loc>
		<lastmod>2013-11-19T12:56:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-20-mortgage-jobs-in-ca-the-cfpb-new-mortgage-form-chatter-thoughts-on-hedging-non-qm-loans/</loc>
		<lastmod>2013-11-20T12:19:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-21-mortgage-jobs-cfpb-action-vs-payday-lender-rating-agencies-watch-qm-confusion-over-bona-fide-discount-points/</loc>
		<lastmod>2013-11-21T13:28:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-22-mortgage-opportunities-new-citi-correspondent-chief-thoughts-on-buybacks-over-2000-pages-to-support-simpler-disclosure-forms/</loc>
		<lastmod>2013-11-22T13:23:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-23-fha-loans-are-not-a-breeze-letters-about-monitoring-counterparties-affiliate-fees-selling-loans-to-aggregators-servicing-retained/</loc>
		<lastmod>2013-11-23T13:41:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-25-mortgage-company-opportunities-cfpb-cra-update-moodys-blackstone-owns-how-many-houses/</loc>
		<lastmod>2013-11-25T13:24:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-26-mortgage-jobs-affiliated-fees-to-include-or-not-in-the-3-funding-versus-closing-pick-one/</loc>
		<lastmod>2013-11-26T12:57:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-27-generally-good-news-in-the-housing-market-no-change-to-conforming-loan-limits-not-shocking-given-fhfa-trends/</loc>
		<lastmod>2013-11-27T13:40:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-29-the-cfpb-issue-its-take-on-affiliate-fees-dont-forget-about-loans-less-than-100k-and-several-other-recent-announcements/</loc>
		<lastmod>2013-11-29T13:00:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-30-letters-on-whether-or-not-an-lo-can-pay-their-assistant-rate-sheet-retention-and-the-cfpbs-breathtaking-lack-of-accountability/</loc>
		<lastmod>2013-11-30T13:01:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-2-mortgage-jobs-trends-in-mbs-freddie-on-tornado-region-respa-on-gifts-for-referrals/</loc>
		<lastmod>2013-12-02T12:25:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-3-mortgage-jobs-bank-m-googles-debit-card-is-unemployment-data-relevant-anymore/</loc>
		<lastmod>2013-12-03T13:18:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-4-mortgage-jobs-bb-impac-holdings-to-sell-amerihome-mba-provides-guidance-on-3-pts-fees/</loc>
		<lastmod>2013-12-04T14:05:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-5-mortgage-firm-opportunities-clarification-on-agency-qm-status-fitch-moodys-and-ocwens-take-on-non-qm-loans/</loc>
		<lastmod>2013-12-05T13:37:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-6-cfpbs-take-on-qm-qm-ellie-maes-encompass-issue-for-pipeline-hedging-nations-direct-opens-correspondent/</loc>
		<lastmod>2013-12-06T14:04:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-7-catching-up-on-investor-updates-letters-on-affiliate-fees-disclosure-docs-portfolio-product-conflicts-etc/</loc>
		<lastmod>2013-12-07T12:59:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-9-mortgage-jobs-others-are-laying-off-aclu-sues-fhfa-fha-loan-limit-changes-not-a-big-deal-or-yet-another-constriction/</loc>
		<lastmod>2013-12-09T13:35:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-10-mortgage-company-opportunities-adverse-market-fee-going-away-but-gfees-going-up-banks-banning-chatroom-use/</loc>
		<lastmod>2013-12-10T13:09:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-11-mortgage-jobs-we-dodge-a-bullet-on-volcker-rule-mortgage-bank-profits-plummet-banks-to-take-losses-on-2nd-mortgages/</loc>
		<lastmod>2013-12-11T13:41:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-12-mortgage-jobs-fhas-qm-final-rule-fortunately-no-surprises-3-cs-of-lending-business-success/</loc>
		<lastmod>2013-12-12T12:25:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-13-mortgage-job-a-number-of-thoughts-on-fannie-how-big-are-modern-loan-files/</loc>
		<lastmod>2013-12-13T13:58:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-14-letters-on-data-file-accuracy-the-2014-mbs-market-and-canshould-an-lo-be-paid-after-leaving-a-company/</loc>
		<lastmod>2013-12-14T13:25:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-16-mortgage-job-state-level-news-qm-faq-bank-ma-closures-continue/</loc>
		<lastmod>2013-12-16T13:13:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-17-mortgage-jobs-famc-cuts-jumbo-fixed-cfpb-goes-after-cashcall-upcoming-training-events-vendor-changes/</loc>
		<lastmod>2013-12-17T14:04:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-18-mortgage-co-opportunites-more-on-cashcall-the-primarysecondary-rate-difference-higher-agency-fees-will-hurt-agency-production/</loc>
		<lastmod>2013-12-18T12:25:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-19-mortgage-jobs-impac-to-sell-retail-channel-ob-buys-loansifter-two-harbors-buys-flagstar-servicing-the-state-of-non-agency/</loc>
		<lastmod>2013-12-19T13:34:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-20-mortgage-job-lawsuits-ocwencfpb-case-settled-major-buyback-ruling-in-favor-of-lenders-rfc-files-66-of-them-mba-rolls-out-qm-guide/</loc>
		<lastmod>2013-12-20T13:32:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-21-thoughts-on-gfee-bank-a-heartwarming-christmas-story/</loc>
		<lastmod>2013-12-21T12:47:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-23-more-on-agency-fee-increase-delay-fha-extends-loan-amount-comment-period-stonegate-completes-crossline-acquisition/</loc>
		<lastmod>2013-12-23T12:46:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-24-mbas-action-alliance-adding-members-nars-well-done-letter-to-mel-watt-pennymac-in-forbes-non-qm-loans-not-illegal/</loc>
		<lastmod>2013-12-24T12:49:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-26-mortgage-jobs-the-fha-program-recent-news-changes-financial-condition-and-general-processing-notes/</loc>
		<lastmod>2013-12-26T13:24:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-27-recent-state-mortgage-changes-feds-balance-sheet-putting-qe3-in-perspective-cfpbs-latest-lender-penalty/</loc>
		<lastmod>2013-12-27T12:53:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-28-agency-letters-on-bitcoins-flood-insurance-and-regulations-driving-lending-underground/</loc>
		<lastmod>2013-12-28T13:25:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-30-reg-z-reminder-bank-m-cfpb-penalties-settlements-how-much-does-it-cost-to-comply/</loc>
		<lastmod>2013-12-30T13:48:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-31-gfee-changes-in-limbo-kind-of-year-end-agency-settlements-tax-breaks-expiring-financial-services-is-drug-testing-in-everyones-future/</loc>
		<lastmod>2013-12-31T13:33:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-2-mortgage-jobs-tarp-update-basel-still-with-us-freedom-rolls-out-qm-italian-mortgage-bonds-are-the-place-to-be/</loc>
		<lastmod>2014-01-02T13:24:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-3-diversity-comment-period-extended-reminder-of-hud-qm-rules-cfpb-staffing-levels-oig-reports-on-cfpb-exams/</loc>
		<lastmod>2014-01-03T13:20:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-4-mba-qm-guide-letters-on-lo-comp-and-lendings-current-state-upcoming-events-bank-m-decent-joke/</loc>
		<lastmod>2014-01-04T13:34:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-6-mortage-jobs-accounting-firm-buys-compliance-firm-lender-big-small-qm-changes/</loc>
		<lastmod>2014-01-06T13:39:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-7-mortgage-jobs-investor-freddie-fannie-golden-gooses/</loc>
		<lastmod>2014-01-07T11:14:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-8-mortgage-jobs-penfed-members-to-lower-rates-with-no-refi-wells-creates-portfolio-retention-swat-team-in-response-to-qm/</loc>
		<lastmod>2014-01-08T13:30:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-9-mortgage-jobs-parksides-reit-mergers-fhfa-delays-gfee-changes/</loc>
		<lastmod>2014-01-09T12:51:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-10-mortage-jobs-non-qm-lenders-and-investors-qm-info-on-points-fees-for-affiliates-and-info-on-mi-under-qm/</loc>
		<lastmod>2014-01-10T12:28:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-11-notes-on-lo-comp-confusion-why-you-should-belong-to-a-club-that-would-have-you-as-a-member/</loc>
		<lastmod>2014-01-11T13:20:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-13-mortgage-jobs-a-wholesaler-exits-a-correspondent-enters-are-you-up-to-speed-on-home-ownership-counseling-me-neither/</loc>
		<lastmod>2014-01-13T13:43:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-14-mortgage-jobs-servicing-continues-to-hit-the-markets-chase-wells-stonegate-earnings-represent-lending-environment/</loc>
		<lastmod>2014-01-14T13:54:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-15-mortgage-jobs-new-forecast-for-2014-volume-legal-notes-why-is-the-ace-securities-case-important-to-correspondent-buybacks/</loc>
		<lastmod>2014-01-15T13:39:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-16-mortgage-jobs-lo-comp-discrepancies-continue-cfpb-fact-v-fiction-on-atr-lender-purchased-by-bank/</loc>
		<lastmod>2014-01-16T13:42:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-17-freddies-qc-goals-jumbo-investor-chatter-lender-updates-where-is-fannie-freddies-business-coming-from/</loc>
		<lastmod>2014-01-17T13:47:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-18-what-does-the-irs-think-of-los-the-lender-paidborrower-paid-comp-issue-builders-not-above-the-law/</loc>
		<lastmod>2014-01-18T12:41:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-20-sales-manager-jobs-cfpb-penalizes-lender-on-kickbacks-webinar-on-buybacks-cfpb-on-advertising/</loc>
		<lastmod>2014-01-20T12:44:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-21-mortgages-jobs-coast-to-coast-apor-safe-harbor-site-thoughts-on-lo-comp-it-is-raining-servicing-packages/</loc>
		<lastmod>2014-01-21T13:01:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-22-mortgage-jobs-state-updates-storm-may-lead-to-a-quiet-market-are-we-going-to-hire-or-lend-to-millennials/</loc>
		<lastmod>2014-01-22T12:17:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-23-mortgage-jobs-info-on-points-state-lending-programs-exempt-from-qm-flagstars-earnings-ouch/</loc>
		<lastmod>2014-01-23T12:45:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-24-servicing-transfers-on-fire-banks-will-pay-for-target-fiasco-harp-3-0-hopes-dim-but-rates-improving-classic-joke/</loc>
		<lastmod>2014-01-24T13:58:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/clearing-up-confusion-on-lender-paid-vs-borrower-paid-comp-home-purchase-assistance-program-primer/</loc>
		<lastmod>2014-01-25T13:11:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-27-mortgage-jobs-cfpb-exam-procedures-mortgage-training-can-your-vendors-or-investors-force-your-hiring-decisions/</loc>
		<lastmod>2014-01-27T12:34:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-28-mortgage-jobs-appraisers-fannies-blacklist-and-do-amcs-make-sense-bank-ma-rolls-on-are-mortgage-banks-doing-the-same/</loc>
		<lastmod>2014-01-28T13:43:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-29-mortgage-jobs-msi-exits-lending-channels-cherry-hill-floating-note-rate-auction-primer-mbs-margin-requirements/</loc>
		<lastmod>2014-01-29T13:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-30-mortgage-jobs-cfpb-goes-after-phh-thoughts-surveys-on-current-builder-lender-environment-good-bad-news/</loc>
		<lastmod>2014-01-30T13:34:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-31-mortgage-jobs-more-on-appraisals-providents-broker-comp-info-can-small-banks-continue-doing-home-loans/</loc>
		<lastmod>2014-01-31T13:32:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-1-letters-on-epo-penalties-compensation-schemes-harp-revisions-and-so-on/</loc>
		<lastmod>2014-02-01T13:11:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-3-mortgage-jobs-flood-bill-update-non-qm-investor-list-is-lending-moving-toward-brokers-small-lenders/</loc>
		<lastmod>2014-02-03T13:36:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-4-mortgage-job-arch-buys-cmg-mi-new-program-from-new-penn-do-the-agencies-assess-early-pay-off-penalties/</loc>
		<lastmod>2014-02-04T13:12:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-5-mortgage-jobs-more-on-epo-info-divining-industry-trends-from-bank-earnings-radian-results-green-trees-broker-biz-exit/</loc>
		<lastmod>2014-02-05T13:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-6-mortgage-jobs-e-signatures-advance-something-smells-fishy-in-the-primary-secondary-markets/</loc>
		<lastmod>2014-02-06T10:59:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-7-bank-merger-mania-cfpb-on-using-hmda-data-exam-procedures-wells-ocwen-servicing-deal-iced/</loc>
		<lastmod>2014-02-07T10:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-8-letters-on-bank-vs-non-bank-lo-licensing-early-pay-off-penalties-the-difference-between-rules-and-laws-etc/</loc>
		<lastmod>2014-02-08T12:46:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-10-mortgage-company-opportunity-nmls-updated-compensation-survey-appraisal-news-hud-changing-application-process/</loc>
		<lastmod>2014-02-10T13:03:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-11-mortgage-jobs-barclays-lay-offs-fifth-third-cuts-washington-indiana-mortgage-company-purhased/</loc>
		<lastmod>2014-02-11T13:12:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-12-mortgage-jobs-3-fee-clarification-state-compliance-news-including-washingtons-unusual-requirements/</loc>
		<lastmod>2014-02-12T12:52:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-13-mortgage-jobs-the-market-for-servicing-is-spooked-which-could-hit-mortgage-pricing-is-phh-mortgage-up-for-sale/</loc>
		<lastmod>2014-02-13T13:43:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-14-mortgage-jobs-bofa-layoffs-wells-volume-up-to-65-purchase-lender-updates/</loc>
		<lastmod>2014-02-14T13:35:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-15-the-current-state-of-builder-business-preferred-lenders-incentives-and-the-cfpbs-take-on-it-a-great-joke/</loc>
		<lastmod>2014-02-15T12:51:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-17-mortgage-jobs-servicing-market-continues-to-chug-along-lender-investor-updates/</loc>
		<lastmod>2014-02-17T12:51:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-18-mortgage-jobs-new-lo-referral-service-harp-expansion-update-mba-comp-survey-possible-hmda-change-info/</loc>
		<lastmod>2014-02-18T11:28:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-19-mortgage-company-opportunities-economics-dallas-fed-study-of-bank-capital-leverage/</loc>
		<lastmod>2014-02-19T10:00:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-20-mortgage-jobs-cas-mortgage-tax-snafu-lender-loans-for-millennials-bank-merger-mania/</loc>
		<lastmod>2014-02-20T13:39:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-21-resmacs-new-wholesale-channel-wells-fannie-freddie-suspicious-activity-reports/</loc>
		<lastmod>2014-02-21T13:48:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/bank-versus-non-bank-originator-licensing-march-31-is-approaching-warning-note-on-giving-valuations-to-borrowers/</loc>
		<lastmod>2014-02-22T13:01:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-24-mortgage-jobs-more-on-lo-licensing-fannies-numbers-reflect-trends-but-do-they-review-files/</loc>
		<lastmod>2014-02-24T13:42:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-25-mortgage-jobs-1st-alliance-selfie-penalty-by-the-cfpb-what-about-loans-that-become-non-qm-thoughts-on-lo-signing-bonuses/</loc>
		<lastmod>2014-02-25T12:12:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-26-mortgage-jobs-inc-it-vs-chase-layoffs-servicing-continues-to-trade-occ-issues-mortgage-handbook-for-banks/</loc>
		<lastmod>2014-02-26T11:37:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-27-mortgage-jobs-groups-react-to-tax-changes-chatter-about-subprime-loans-a-misnomer/</loc>
		<lastmod>2014-02-27T12:39:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-28-mortgage-jobs-realtor-lawsuit-ocwen-in-the-hotseat-who-is-william-erby-bank-mergers-continue-shrinking-numbers/</loc>
		<lastmod>2014-02-28T11:41:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/march-1-notes-on-overcapacity-borrower-lender-paid-comp-cfpb-realtors-builders-requesting-pre-approvals/</loc>
		<lastmod>2014-03-01T10:47:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/march-3-mortgage-jobs-freddie-rates-continue-lower-due-to-overseas-events/</loc>
		<lastmod>2014-03-03T11:09:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/march-4-mortgage-jobs-servicing-analysts-take-on-ocwen-hecm-heloc-trends/</loc>
		<lastmod>2014-03-04T11:45:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/march-5-mortgage-jobs-trends-in-the-lo-job-description-studies-point-to-mixed-picture-for-building-lending/</loc>
		<lastmod>2014-03-05T13:18:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/march-6-mortgage-jobs-stratmor-survey-on-current-industry-trends-probe-begins-on-nationstar-beware-mini-corr-reps/</loc>
		<lastmod>2014-03-06T13:04:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/march-7-mortgage-jobs-suntrust-in-the-hot-seat-bank-m-the-cost-of-regulation-green-tree-now-ditech/</loc>
		<lastmod>2014-03-07T14:10:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/march-8-comments-on-licensing-realtor-a-clever-little-joke/</loc>
		<lastmod>2014-03-08T12:57:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/march-10-mortgage-jobs-the-latest-on-fannie-stearns-takes-1-wholesale-spot-servicing-value-primer/</loc>
		<lastmod>2014-03-10T12:14:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-11-mortgage-jobs-in-ca-5-3-bails-and-sails-on-broker-biz-m-mi-companies-dissolve-mica-ny-nj-foreclosures/</loc>
		<lastmod>2014-03-11T11:55:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/march-12-mortgage-jobs-new-correspondent-lender-citi-changes-pricing-model-does-the-latest-fannie-freddie-plan-mean-anything/</loc>
		<lastmod>2014-03-12T12:30:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-13-mortgage-jobs-nationwide-housing-continues-to-improve-appraisal-compliance-input/</loc>
		<lastmod>2014-03-13T12:34:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/3-14-pi-day-mortgage-jobs-a-primer-on-mbs-issuance-lendingtree-lawsuit-bank-m-how-bout-these-rates/</loc>
		<lastmod>2014-03-14T12:52:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-15-here-on-the-ides-of-march-mbas-school-for-los-lots-of-investor-updates-arm-changes-are-everywhere/</loc>
		<lastmod>2014-03-15T11:28:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-17-mortgage-jobs-eminent-domain-news-community-bank-update-clear-capitals-home-price-drop/</loc>
		<lastmod>2014-03-17T12:15:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-18-mortgage-jobs-who-owns-agency-mbs-is-fannie-freddies-future-set-the-mba-weighs-in/</loc>
		<lastmod>2014-03-18T12:50:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/march-19-mortgage-jobs-the-cfpb-lenders-liable-for-buybacks-after-shutting-down/</loc>
		<lastmod>2014-03-19T12:09:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-20-mortgage-jobs-fitch-analyzes-non-qm-market-redwood-trust-non-agency-deal-doj-report-on-fraud/</loc>
		<lastmod>2014-03-20T12:19:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-21-mortgage-it-cfpb-on-youtube-securitizing-rental-properties-is-the-lo-occupation-at-risk/</loc>
		<lastmod>2014-03-21T12:24:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/march-22-letters-concerning-atr-liability-bank-non-bank-licensing-new-appraisal-guidelines-and-the-lo-function/</loc>
		<lastmod>2014-03-22T11:56:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-24-mortgage-jobs-bank-consolidation-continues-the-basics-of-what-all-these-servicing-sales-mean-for-lenders/</loc>
		<lastmod>2014-03-24T06:24:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-25-mortgage-jobs-dropping-mi-and-mi-master-policies-ftc-guidance-on-background-checks/</loc>
		<lastmod>2014-03-25T11:15:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mortgage-jobs-have-more-on-mi-changes-new-ag-rescap-purchased/</loc>
		<lastmod>2014-03-26T12:42:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-27-mortgage-jobs-maxine-waters-plan-for-fannie-lenders-are-only-making-150-per-loan-with-all-that-liability/</loc>
		<lastmod>2014-03-27T12:25:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-28-the-cfpb-on-payday-lending-increasing-focus-on-2nds-and-helocs-are-we-talking-not-enough-or-too-much/</loc>
		<lastmod>2014-03-28T12:36:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-29-letters-on-the-mi-biz-changing-lo-business-models-demographics-and-los-acting-as-real-estate-agents/</loc>
		<lastmod>2014-03-29T12:39:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-31-mortgage-jobs-fbi-investigating-flood-maps-jumbo-production-forecast-falls-proposed-amc-legislation-feedback/</loc>
		<lastmod>2014-03-31T12:07:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/april-1st-edition-private-capital-returning-to-market-minutes-from-recent-cfpb-meeting-new-wells-lawsuit/</loc>
		<lastmod>2014-04-01T10:09:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/april-1-mortgage-jobs-cfpb-respa-tila-update-site-bank-stress-test-results-fico-changes-coming/</loc>
		<lastmod>2014-04-01T10:55:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/april-2-mortgage-jobs-the-implications-of-ellie-maes-outage-mortgage-applications-continue-to-drop-what-is-gain-on-sale/</loc>
		<lastmod>2014-04-02T11:08:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-3-mortgage-jobs-cfpb-hearing-on-discrimination-state-lawsuit-involving-dodd-frank/</loc>
		<lastmod>2014-04-03T12:22:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-4-mortgage-jobs-bank-mergers-roll-on-unabated-a-primer-on-odd-rate-sheet-pricing-demand-for-non-agency-loans-picks-up/</loc>
		<lastmod>2014-04-04T12:34:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-5-more-information-on-how-mortgage-prices-work-especially-gfees-what-is-the-cost-of-compliance/</loc>
		<lastmod>2014-04-05T11:46:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-7-mortgage-jobs-hamp-challenges-state-is-flood-relief-on-the-way/</loc>
		<lastmod>2014-04-07T12:25:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-8-mortgage-jobs-proposed-massive-citi-settlement-cfpb-hearing-today-on-whos-in-your-wallet/</loc>
		<lastmod>2014-04-08T10:15:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-9-mortgage-jobs-m-non-qm-company-list-mortgage-applications-drop-again/</loc>
		<lastmod>2014-04-09T11:22:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-10-mortgage-jobs-ocwens-racketeering-lawsuit-md-halts-eminent-domain-latest-on-agency-debate/</loc>
		<lastmod>2014-04-10T10:25:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-11-cfpb-on-loan-closings-how-chase-wells-mortgage-earnings-reflect-the-industry-while-lenders-continue-to-sell-their-only-asset-servicing/</loc>
		<lastmod>2014-04-11T12:46:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-12-will-the-fha-change-the-cost-of-its-insurance-the-cost-of-extending-a-rate-lock-an-argument-for-non-automated-los/</loc>
		<lastmod>2014-04-12T12:19:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-14-correspondent-opportunities-owning-stock-in-the-agencies-fhas-hawk-program-aba-lending-survey-results/</loc>
		<lastmod>2014-04-14T11:36:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-15-mortgage-jobs-mortgage-bank-ellies-announcement-united-wholesale-rolls-out-non-qm/</loc>
		<lastmod>2014-04-15T12:45:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-16-mortgage-jobs-more-on-business-versus-consumer-purpose-wells-chase-numbers-reflect-industry-trends/</loc>
		<lastmod>2014-04-16T11:40:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-17-mortgage-jobs-financial-literacy-millenials-and-first-time-home-buyers-they-are-all-connected-the-make-a-difference-program/</loc>
		<lastmod>2014-04-17T10:43:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-18-compliance-job-the-cfpbs-news-on-disclosure-forms-create-your-freddie-use-profile-how-is-april-looking-for-lenders/</loc>
		<lastmod>2014-04-18T11:35:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-19-thoughts-on-how-2014-is-going-and-thoughts-from-a-few-months-ago-on-where-things-will-go/</loc>
		<lastmod>2014-04-19T12:21:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-21-mortgage-jobs-ocwen-freezes-servicing-deals-us-bank-earnings-another-stated-income-program/</loc>
		<lastmod>2014-04-21T12:07:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-22-plenty-of-mortgage-jobs-non-qm-loan-webinar-td-banks-no-mi-program-new-jumbo-program-from-resmac/</loc>
		<lastmod>2014-04-22T10:06:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-23-mortgage-jobs-the-number-of-banks-is-declining-new-interest-in-condo-loans-existing-home-sales-numbers-dissected/</loc>
		<lastmod>2014-04-23T11:20:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-24-mortgage-jobs-buffett-ready-to-step-in-for-fannie-freddie-breaking-news-cfpb-research-discovers-confused-borrowers-at-loan-closings/</loc>
		<lastmod>2014-04-24T12:34:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-25-mortgage-jobs-reports-on-lending-trends-arizona-law-impacts-builders-a-jaw-dropping-list-of-rules-regs-governing-lenders/</loc>
		<lastmod>2014-04-25T13:01:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-26-lo-comp-structures-based-on-purchase-vs-refi-msa-agreements-eclosings-a-companys-core-values/</loc>
		<lastmod>2014-04-26T11:45:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-28-mortgage-jobs-banks-contemplate-higher-short-term-rates-kroll-rolls-out-non-qm-pool-risk-measures/</loc>
		<lastmod>2014-04-28T12:39:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-29-plenty-of-mortgage-jobs-scrutiny-of-ocwen-continues-be-careful-with-branch-manager-comp/</loc>
		<lastmod>2014-04-29T10:54:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-30-mortgage-jobs-ios-from-years-ago-being-recast-referral-fee-discussion-mba-app-numbers/</loc>
		<lastmod>2014-04-30T10:39:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-1-mortgage-jobs-depository-bank-mergers-continue-more-lender-changes-ahead-another-lenders-rolls-out-a-non-qm-product/</loc>
		<lastmod>2014-05-01T09:26:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-2-mortgage-jobs-the-mbas-opinion-on-rates-new-non-agency-deal-theyre-not-common-what-is-operation-choke-point/</loc>
		<lastmod>2014-05-02T10:26:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-3-input-on-lo-comp-on-reverse-mortgages-buyback-litigation-changes-in-appraisal-policies-section-8-violations/</loc>
		<lastmod>2014-05-03T11:23:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-5-mortgage-jobs-mel-watt-to-speak-out-on-the-agencies-mbs-issuance-and-what-recent-earnings-tell-us-about-the-biz/</loc>
		<lastmod>2014-05-05T09:28:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-6-mortgage-jobs-bank-cash-out-refi-popularity-drops/</loc>
		<lastmod>2014-05-06T10:02:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-7-mortgage-jobs-radian-to-buy-clayton-low-down-payment-loans-expanding-guidelines-on-the-rise/</loc>
		<lastmod>2014-05-07T10:26:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-8-mortgage-jobs-f-study-on-the-impact-of-housing-reform/</loc>
		<lastmod>2014-05-08T11:55:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-9-mortgage-jobs-trends-in-0-point-loans-cpr-primer-propsed-fha-arm-changes/</loc>
		<lastmod>2014-05-09T12:44:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-10-agency-lender-primer-on-debt-service-ratio-one-suggestion-to-cure-fhas-woes/</loc>
		<lastmod>2014-05-10T11:55:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-13-mortgage-jobs-subservicer-vendor-management-changes-at-cole-taylor-ff-change-reps-warrants/</loc>
		<lastmod>2014-05-13T12:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-14-mortgage-jobs-vas-final-qm-rule-changes-to-harp-eligibility-nixed-fhas-hawk-program-bends-on-mip/</loc>
		<lastmod>2014-05-14T12:52:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-15-mortgage-jobs-johnson-crapo-update-why-ceos-dont-rely-on-interest-rate-predictions/</loc>
		<lastmod>2014-05-15T10:19:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-16-latest-nmls-report-has-some-disturbing-news-what-you-need-to-know-about-unfair-and-deceptive-acts-and-practices/</loc>
		<lastmod>2014-05-16T12:52:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-17-thoughts-on-predicting-rates-lo-responsibility-for-compliance-lender-investor-updates/</loc>
		<lastmod>2014-05-17T10:40:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-19-mortgage-jobs-thoughts-on-nmls-numbers-the-cfpb-has-not-been-idle-in-recent-weeks/</loc>
		<lastmod>2014-05-19T10:14:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-20-mortgage-jobs-across-the-country-the-current-state-of-bank-hud-approval-process-pause/</loc>
		<lastmod>2014-05-20T10:15:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-21-mortgage-jobs-in-retail-books-for-los-and-secondary-folks-anti-money-laundering-still-a-concern/</loc>
		<lastmod>2014-05-21T12:28:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-22-mortgage-jobs-fastest-growing-cities-in-the-us-gag-rule-in-loan-servicing-lender-vendor-updates/</loc>
		<lastmod>2014-05-22T13:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-23-playing-catch-up-on-state-level-changes-and-lender-rates-seem-happy-where-they-are-for-now/</loc>
		<lastmod>2014-05-23T12:08:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-24-ginnie-maes-initiatives-the-difference-between-manufactured-and-modular-letters-on-lender-borrower-education/</loc>
		<lastmod>2014-05-24T12:43:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-27-mortgage-jobs-mba-releases-lender-profit-numbers-for-2013-ouch-new-hud-head/</loc>
		<lastmod>2014-05-27T11:57:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-28-mortgage-jobs-rbs-shrinking-mortgage-biz-bank-m-mbas-new-compliance-class-reverse-mortgage-update/</loc>
		<lastmod>2014-05-28T11:09:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-30-mortgage-jobs-freedom-continues-to-grow-500k-fine-for-respa-violation-information-on-individual-liability-in-cfpb-cases/</loc>
		<lastmod>2014-05-30T12:25:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-31-lending-to-non-u-s-citizens-fair-lending-on-small-loan-amounts-changing-comp-on-borrower-paid-transactions/</loc>
		<lastmod>2014-05-31T12:25:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mortgage-production-jobs-fed-study-on-affiliated-relationships-bank-m-is-privacy-dead-in-lending/</loc>
		<lastmod>2014-06-02T12:31:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-3-mortgage-jobs-phh-sells-fleet-biz-new-reverse-mortgage-program-for-correspondents-calibers-non-agency-rollout/</loc>
		<lastmod>2014-06-03T10:23:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-4-variety-of-mortgage-jobs-cofi-primer-agency-stock-drama-upcoming-events-including-bowling-and-breakfasts/</loc>
		<lastmod>2014-06-04T12:45:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-5-mortgage-jobs-student-loans-impact-on-housing-fhas-recent-numbers-lender-updates/</loc>
		<lastmod>2014-06-05T12:48:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-6-mortgage-jobs-bank-m-before-you-chime-in-on-gfee-changes-know-the-implications/</loc>
		<lastmod>2014-06-06T12:55:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-7-letters-on-vetting-underwriters-brokers-changing-fees-preferred-service-providers-cool-realtor-apps/</loc>
		<lastmod>2014-06-07T12:27:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-9-mortgage-jobs-credit-availability-increasing-cfpbs-supervisory-highlights-student-debt-ughh/</loc>
		<lastmod>2014-06-09T12:46:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-10-mortgage-jobs-the-cfpb-lots-of-lender-updates-who-is-connective/</loc>
		<lastmod>2014-06-10T12:55:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-11-mortgage-jobs-lehman-brothers-bankruptcy-motions-impact-on-lenders-lots-of-events-training-in-the-next-two-weeks/</loc>
		<lastmod>2014-06-11T12:07:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-12-mortgage-jobs-versus-job-cuts-bank-m-mba-reports-on-lack-of-profits-for-mortgage-banks-homebuilders-misleading-ads/</loc>
		<lastmod>2014-06-12T12:44:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-13-mortgage-company-opportunities-very-interesting-non-agencyjumbo-news-cfpb-fines-a-title-company/</loc>
		<lastmod>2014-06-13T12:54:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-14-latest-nmls-originator-stats-good-news-on-future-buybacks-zillows-accuracy-lo-referral-structures/</loc>
		<lastmod>2014-06-14T12:18:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-16-mortgage-jobs-cfpb-openings-lo-comp-splits-why-do-people-move/</loc>
		<lastmod>2014-06-16T12:36:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-17-more-jobs-supreme-court-to-hear-lo-overtime-case-training-events-are-out-of-control/</loc>
		<lastmod>2014-06-17T11:15:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-18-mortgage-jobs-suntrust-mortgage-investors-borrowing-from-fhlbs/</loc>
		<lastmod>2014-06-18T09:59:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-19-mortgage-jobs-prospects-new-ceo-force-placed-insurance-primer-bny-mellons-new-mortgage-securitization-plan/</loc>
		<lastmod>2014-06-19T09:47:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-20-mortgage-jobs-fhlbs-moratorium-on-captive-insurers-cfpb-under-fire-basel-iii-delay/</loc>
		<lastmod>2014-06-20T10:22:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-21-letters-on-the-lending-biz-regulators-pro-con-228-loans-qm-for-va-respa-realtysouth-case/</loc>
		<lastmod>2014-06-21T11:41:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-23-mortgage-jobs-aba-renews-freddies-alliance-agency-analyst-digs-at-stonegate/</loc>
		<lastmod>2014-06-23T11:54:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-24-mortgage-jobs-why-mergers-work-or-dont-interesting-best-ex-info-aba-goldman-sachs-fiasco-program/</loc>
		<lastmod>2014-06-24T12:35:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-25-mortgage-jobs-pay-attention-to-diversity-in-counterparties-state-level-changes-of-note-recent-hecm-news/</loc>
		<lastmod>2014-06-25T12:05:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-26-mortgage-jobs-new-century-carrington-mi-master-policy-news-fhas-leap-difficulties/</loc>
		<lastmod>2014-06-26T11:26:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-27-mortgage-jobs-marketing-harp-stearns-name-change-leap-news-lender-updates/</loc>
		<lastmod>2014-06-27T11:57:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-28-lender-letters-on-lo-side-businesses-va-fees-lack-of-millennial-potential-etc/</loc>
		<lastmod>2014-06-28T11:18:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-30-mortgage-jobs-defense-of-va-fees-force-place-insurance-update-overcoming-non-qm-loan-liabilities/</loc>
		<lastmod>2014-06-30T11:23:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-1-mortgage-jobs-stearns-vs-prospect-verdict-fincen-were-done-with-half-of-2014-already/</loc>
		<lastmod>2014-07-01T11:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/per-the-cfpb-guide-lo-compensation-rule-was-designed-because-there-was-significant-concern-about-the-incentives-that-loan-originators-have-to-steer-consumers-into-more-expensive-loans-in-order-to-i/</loc>
		<lastmod>2014-07-02T11:57:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-3-vendor-and-mortgage-insurance-company-news-the-unemployment-datas-impact-on-rates/</loc>
		<lastmod>2014-07-03T12:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-7-mortgage-jobs-financing-options-increase-mortgage-banker-m-question-on-qm-rental-income-underwriting/</loc>
		<lastmod>2014-07-07T02:38:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-8-mortgage-jobs-bank-shuts-mortgage-division-cfpb-update-review-types-why-you-dont-it-handling-your-remodel/</loc>
		<lastmod>2014-07-08T12:05:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-9-revised-housing-cra-education-banking-news-impac-rolls-alt-qm-nationstar-ends-reverse-biz/</loc>
		<lastmod>2014-07-09T11:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-10-mortgage-jobs-cfpb-addresses-death-servicing-news-new-investors-popping-up/</loc>
		<lastmod>2014-07-10T12:54:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/7-11-bank-and-lender-m-free-slurpees-today-lots-on-the-mi-industry-updates/</loc>
		<lastmod>2014-07-11T12:04:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-12-input-on-proposed-mi-changes-1099-vs-w2-for-los-primer-on-down-payment-assistance-programs/</loc>
		<lastmod>2014-07-12T13:16:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-14-mortgage-jobs-new-rep-phh-expanding-citi-settles-what-wells-earnings-tell-us-adios-mini-corr/</loc>
		<lastmod>2014-07-14T11:50:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-15-mortgage-jobs-differences-between-broker-jumbo-deals-lender-financing-alternatives/</loc>
		<lastmod>2014-07-15T11:47:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jul-16-mortgage-jobs-maybe-the-student-debt-problem-is-overblown-lots-of-upcoming-training-opportunities/</loc>
		<lastmod>2014-07-16T12:36:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-17-surprising-pull-through-research-float-down-lock-white-paper-huh-chase-may-do-what/</loc>
		<lastmod>2014-07-17T10:37:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-18-more-on-appendix-q-pre-disclosure-restrictions-cfpb-on-complaint-sharing-big-bank-bankruptcy-plans/</loc>
		<lastmod>2014-07-18T11:00:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-21-mortgage-jobs-home-value-forecasts-non-qm-cmla-on-fhfa-oig-report/</loc>
		<lastmod>2014-07-21T11:17:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-22-mortgage-jobs-upcoming-events-risk-what-risk-we-dont-have-no-stinkin-risk/</loc>
		<lastmod>2014-07-22T09:26:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jul-23-mortgage-co-opportunity-cit-group-to-buy-onewest-thoughts-on-non-qm-products-recent-changes-in-fha-va-hecm/</loc>
		<lastmod>2014-07-23T11:30:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-24-mortgage-jobs-banks-and-lenders-buying-each-other-financial-services-companies-does-it-make-sense/</loc>
		<lastmod>2014-07-24T11:59:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-25-mortgage-layoffs-big-changes-at-ginnie-gse-reform-no-but-playing-catch-up-on-agency-changes-zillow-trulia-merger/</loc>
		<lastmod>2014-07-25T12:50:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-28-mortgage-jobs-respa-tila-update-hmda-changes-in-the-wind-fincen-sar-stats-new-im-system-for-banks/</loc>
		<lastmod>2014-07-28T12:09:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-19-notes-on-auditing-social-media-mi-changes-recent-cfpb-proposals-and-managing-operational-risk/</loc>
		<lastmod>2014-07-28T19:29:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-29-mortgage-recruiting-regions-banks-cuts-phh-nationstar-in-the-news-radian-nareb-partnership/</loc>
		<lastmod>2014-07-29T12:26:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-30-mortgage-jobs-the-importance-of-fincen-fannie-upcoming-events/</loc>
		<lastmod>2014-07-30T12:35:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-31-mortgage-jobs-bank-m-jd-powers-report-on-servicing-non-vanilla-securitization-market-heating-up/</loc>
		<lastmod>2014-07-31T12:34:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-1-potential-fhlb-merger-what-higher-rates-mean-for-banks-recent-state-level-changes-a-fee-to-use-libor/</loc>
		<lastmod>2014-08-01T12:39:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-2-vendor-updates-letters-on-uber-for-real-estate-deals-primer-on-overlays-developing-an-anti-money-laundering-program/</loc>
		<lastmod>2014-08-02T12:11:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-4-mortgage-jobs-appraiser-numbers-dwindling-one-security-for-fannie-ice-mers/</loc>
		<lastmod>2014-08-04T11:03:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-5-mortgage-jobs-new-york-versus-ocwen-again-the-cost-of-a-perfect-loan-upcoming-training/</loc>
		<lastmod>2014-08-05T10:59:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-6-mortgage-jobs-wells-loosens-jumbo-standards-appendix-q-clarification-for-rent-los-and-minimum-wage/</loc>
		<lastmod>2014-08-06T12:15:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-7-mortgage-jobs-why-mergers-work-or-dont-non-qm-continues-to-grow-what-is-rmbs-3-0/</loc>
		<lastmod>2014-08-07T12:49:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-8-mortgage-company-opportunity-ellie-snags-allregs-what-investor-builder-earnings-tell-us-about-the-industry/</loc>
		<lastmod>2014-08-08T12:33:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-9-deutsche-bank-piece-on-the-lack-of-mbs-i-can-finance-a-car-in-less-than-an-hour-why-should-a-house-take-2-months/</loc>
		<lastmod>2014-08-09T16:45:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-11-mortgage-jobs-catching-up-with-the-mba-and-cfpb-on-privacy-respa-tila-reg-c-and-servicing-rules/</loc>
		<lastmod>2014-08-11T11:42:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-12-mortgage-jobs-servicing-continues-to-trade-changes-in-ct-vendor-updates/</loc>
		<lastmod>2014-08-12T12:08:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-13-mortgage-jobs-amerisaves-19-million-cfpb-fine-ginnie-new-correspondent-and-non-qm-programs/</loc>
		<lastmod>2014-08-13T12:34:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-14-mortgage-jobs-bank-m-mr-stevens-explains-the-reason-for-overlays-do-we-have-a-lack-of-demand-for-mbs/</loc>
		<lastmod>2014-08-14T10:58:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-15-another-correspondent-lender-bails-out-fhlb-atlanta-joins-mpf-program-reits-join-non-qm-fray-the-rise-of-the-vendor/</loc>
		<lastmod>2014-08-15T12:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-16-great-notes-on-ecoa-appraisals-daps-realtor-fees-private-capital-prison-time-for-lenders-etc/</loc>
		<lastmod>2014-08-16T11:27:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-18-mortgage-production-jobs-non-performing-loan-market-on-fire-rates-back-to-613-levels-but-production-may-drag/</loc>
		<lastmod>2014-08-18T11:29:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-19-mortgage-jobs-affiliated-envoy-lawsuit-mba-networking-groups-mismo-update-recent-agency-news/</loc>
		<lastmod>2014-08-19T12:38:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-20-mortgage-jobs-cfpb-issues-servicing-rules-upcoming-events/</loc>
		<lastmod>2014-08-20T11:47:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-21-mortgage-jobs-barclays-thornburg-settlement-colorado-lenders-merge-every-ceo-should-be-watching-bofa-mozilo-events/</loc>
		<lastmod>2014-08-21T12:36:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-22-cfpbs-eclosing-pilot-program-details-homeownership-counseling-pace-update-classic-joke-for-a-friday/</loc>
		<lastmod>2014-08-22T12:33:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-23-the-bofa-settlement-wont-help-investors-return-mini-corr-legal-update-can-employees-receive-bonuses-on-closings/</loc>
		<lastmod>2014-08-23T12:31:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-25-mortgage-jobs-what-cfpb-consent-order-might-tell-us-decent-housing-numbers-continue/</loc>
		<lastmod>2014-08-25T11:29:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-26-mortgage-jobs-large-title-firm-in-the-news-for-the-wrong-reason-corporate-debt-issuance-to-set-record/</loc>
		<lastmod>2014-08-26T10:43:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-27-mba-reminds-industry-of-strong-2nd-quarter-cash-vs-security-sales-primer-new-govtprivate-program-for-service-members/</loc>
		<lastmod>2014-08-27T10:06:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-28-subservicer-flagstar-the-theory-of-ma-big-small-with-an-mba-workshop/</loc>
		<lastmod>2014-08-28T12:40:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-29-mortgage-jobs-new-digs-for-fannie-cfpb-fines-tally-helocs-on-the-rise-what-about-the-old-ones-more-on-cash-vs-security-sales/</loc>
		<lastmod>2014-08-29T12:44:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-30-thoughts-letters-on-volumes-foreclosure-laws-lower-credit-standards-and-dpas/</loc>
		<lastmod>2014-08-30T11:34:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-2-production-angelo-mozilo-interview-nmls-lots-of-agency-news-including-203k-proposals/</loc>
		<lastmod>2014-09-02T12:26:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-3-mortgage-jobs-fhfa-moodys-to-change-rating-methodology/</loc>
		<lastmod>2014-09-03T12:23:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-4-mortgage-jobs-judges-rejects-mortgage-suit-new-penn-buys-shelter/</loc>
		<lastmod>2014-09-04T10:27:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-5-mortgage-jobs-housing-bank-vs-mortgage-bank-lo-comp-a-reminder-of-fhas-change/</loc>
		<lastmod>2014-09-05T12:36:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-8-mortgage-jobs-no-surprise-what-realtors-say-about-loan-programs-lots-of-training-opportunities/</loc>
		<lastmod>2014-09-08T11:38:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-6-letters-on-vendor-management-interest-rate-risk-the-general-industry-and-millennials-from-a-real-live-millennial/</loc>
		<lastmod>2014-09-08T20:05:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-9-mortgage-jobs-morgan-stanley-settles-mi-operating-stats-usmi-weighs-in-on-pmiers/</loc>
		<lastmod>2014-09-09T12:05:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-10-mortgage-jobs-usda-changes-genworth-on-pmier-apps-at-14-year-low-new-lender/</loc>
		<lastmod>2014-09-10T12:41:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-11-mortgage-jobs-bank-m-more-on-usda-changes/</loc>
		<lastmod>2014-09-11T12:50:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-12-mortgage-jobs-possible-cra-changes-freddie-qc-software-compliance-boot-camp-in-hawaii/</loc>
		<lastmod>2014-09-12T12:41:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-13-notes-on-social-media-using-credit-reports-cfpb-updates-payday-lenders-lender-vendor-updates/</loc>
		<lastmod>2014-09-13T12:25:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-15-mortgage-production-lead-generator-agency-updates-fed-week/</loc>
		<lastmod>2014-09-15T11:57:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-16-mortgage-jobs-sec-probe-of-bankrate-amerisave-impac-macquarie-and-non-qm/</loc>
		<lastmod>2014-09-16T12:40:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-17-mortgage-jobs-eminent-domain-update-gmfszaishf2-combination-virginia-lawsuit-new-penns-non-qm-fact-sheet/</loc>
		<lastmod>2014-09-17T12:34:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-18-mortgage-jobs-cobalt-stearns-caliber-bank-and-mortgage-bank-ma-rolls-on-is-the-consumer-better-off/</loc>
		<lastmod>2014-09-18T10:28:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-19-jobs-continue-stearns-new-exec-cfpbs-auto-loan-news-upcoming-training-and-events-yaarrrr/</loc>
		<lastmod>2014-09-19T12:38:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-20-letters-on-the-usda-backlog-changes-respa-tila-bank-of-america-and-why-volumes-are-dragging/</loc>
		<lastmod>2014-09-20T10:14:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-22-mortgage-jobs-the-current-state-of-lender-ma-and-why-mortgage-companies-big-and-small-are-moving/</loc>
		<lastmod>2014-09-22T09:58:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-23-wholesale-jobs-fha-changes-on-their-way-servicing-on-the-move-upcoming-events-of-interest/</loc>
		<lastmod>2014-09-23T10:18:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-24-mortgage-jobs-2013-hmda-data-out-mbs-holdings-in-flux-student-debt-impact-quantified/</loc>
		<lastmod>2014-09-24T11:57:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-25-mortgage-jobs-bank-m-vendor-updates-are-you-ready-for-autumn-winter-lending/</loc>
		<lastmod>2014-09-25T10:26:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-26-can-spam-primer-nevadas-ruling-on-hoa-foreclosures-has-major-implications-usda-map-update-vendor-updates/</loc>
		<lastmod>2014-09-26T10:07:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-27-observations-on-foreclosing-on-hoas-vs-first-liens-millennials-vendor-management-putbacks-and-reps-warrants/</loc>
		<lastmod>2014-09-27T12:02:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-29-mortgage-jobs-respa-tila-and-other-webinars-a-primer-on-extending-rate-locks/</loc>
		<lastmod>2014-09-29T12:22:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-30-mortgage-jobs-buybacks-disparate-lending-indemnifications-and-the-cfpb-flagstar-all-in-a-days-work/</loc>
		<lastmod>2014-09-30T12:02:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-1-jobs-stonegates-new-channel-cfpbs-consent-order-against-a-title-insurer/</loc>
		<lastmod>2014-10-01T12:31:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-2-mortgage-jobs-bank-m-correspondent-investor-update/</loc>
		<lastmod>2014-10-02T12:06:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-3-mortgage-jobs-updates-on-usda-and-proposed-changes-to-nmls-status-ben-b-s-loan-turned-down/</loc>
		<lastmod>2014-10-03T12:40:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-4-observations-on-the-cfpbs-consent-order-regarding-msas-catching-up-on-lender-investor-updates/</loc>
		<lastmod>2014-10-04T12:01:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-6-management-job-more-consent-orders-against-lenders-upcoming-events/</loc>
		<lastmod>2014-10-06T11:34:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-7-mortgage-jobs-fun-with-millennials-mountainviews-non-prime-news-deutsche-bank-financing-non-qm-lenders/</loc>
		<lastmod>2014-10-07T12:40:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-8-mortgage-jobs-georgia-vs-sun-west-bofas-repurchase-requests-lenders-usda-updates/</loc>
		<lastmod>2014-10-08T12:22:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-9-mortgage-products-and-jobs-subprime-ipo-more-bank-m-the-confusing-state-of-mortgage-credit/</loc>
		<lastmod>2014-10-09T12:35:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-10-mortgage-products-banks-respa-tila-news-usda-loans-are-rate-sheets-following-bond-rally/</loc>
		<lastmod>2014-10-10T11:49:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-11-letters-on-referral-fees-education-costs-first-time-home-buyers-and-an-increase-in-expanded-loan-programs/</loc>
		<lastmod>2014-10-11T12:45:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-13-mortgage-jobs-wells-settles-servicing-continues-to-trade-reverse-lender-bails-facebook-to-become-a-lender/</loc>
		<lastmod>2014-10-13T12:14:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-14-new-mortgage-related-products-for-las-vegas-conference-mba-pres-speaks-out-single-security-update-no-gray-area-on-referral-fees/</loc>
		<lastmod>2014-10-14T12:31:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-15-new-products-lender-purchased-more-on-respa-tila-big-banks-mortgage-earnings/</loc>
		<lastmod>2014-10-15T10:37:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-16-new-mortgage-products-bank-mergers-hoa-foreclosure-news-qrm-update-volatilitys-impact-on-lenders/</loc>
		<lastmod>2014-10-16T12:35:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-17-mortgage-jobs-usda-back-compliance-costs-white-paper-loandepot-mortgage-master/</loc>
		<lastmod>2014-10-17T12:21:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-18-notes-about-rates-pricing-margins-college-costs-hoa-liens-foreclosures-and-renting-versus-owning-for-youngins/</loc>
		<lastmod>2014-10-18T11:40:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-20-mortgage-products-non-qm-if-agencies-go-to-97-will-lenders-mi-companies-follow/</loc>
		<lastmod>2014-10-20T11:44:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-21-mortgage-products-ny-finally-has-its-own-mba-accronym-update-qrm-nmls-cfpb-fhfa-hud/</loc>
		<lastmod>2014-10-21T12:31:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-22-mortgage-jobs-elizabeth-warren-goes-after-lenders-ocwen-versus-ny-continues/</loc>
		<lastmod>2014-10-22T12:39:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-23-mortgage-jobs-bank-m-puts-should-realtors-help-with-remodeling/</loc>
		<lastmod>2014-10-23T12:39:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-24-guild-buys-northwest-update-on-chase-lawsuit-upcoming-events-and-trainings/</loc>
		<lastmod>2014-10-24T11:54:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-25-letters-on-msas-expanded-criteria-loans-97-ltv-loans-and-trends-in-regulation/</loc>
		<lastmod>2014-10-25T12:48:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-27-mortgage-jobs-cfpb-update-mba-president-addresses-fhfa-news-impact-on-housing/</loc>
		<lastmod>2014-10-27T11:29:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-28-wholesale-trends-in-housing-nar-weighs-in-with-mini-corr-update/</loc>
		<lastmod>2014-10-28T11:51:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-29-jobs-in-retail-wholesale-respa-tila-toolkit-lo-comp-violations-still-out-there/</loc>
		<lastmod>2014-10-29T11:09:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-30-mortgage-jobs-rumors-about-provident-e-signature-news-lawsuit-update-on-phh-lawsky-castle-cooke-and-sp/</loc>
		<lastmod>2014-10-30T12:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/halloween-cfpbs-servicing-report-mi-freddie-will-the-election-really-matter/</loc>
		<lastmod>2014-10-31T11:57:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-1-letters-about-msas-basel-iii-fha-mi-alternative-credit/</loc>
		<lastmod>2014-11-01T11:20:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-3-mortgage-jobs-disaster-forbearance-primer-more-on-msas-referrals-and-respa-inc-a-webinar-classic-joke/</loc>
		<lastmod>2014-11-03T12:59:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-4-mortgage-production-jobs-freedom-buys-continental-secondary-marketing-deals-obs-new-price-ranking-product/</loc>
		<lastmod>2014-11-04T12:19:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-5-mortgage-products-supreme-court-first-time-home-buyer-numbers-lots-of-upcoming-training-events/</loc>
		<lastmod>2014-11-05T11:36:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-6-mortgage-jobs-deluge-of-mortgage-flood-insurance-changes/</loc>
		<lastmod>2014-11-06T12:00:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-7-chinese-company-buys-us-lender-dodd-frank-update-usda-rd-and-fha-hud-qm-updates/</loc>
		<lastmod>2014-11-07T13:40:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-8-lowering-fees-for-borrowers-realtors-ignoring-lender-respa-constraints-and-what-needed-from-the-agencies/</loc>
		<lastmod>2014-11-08T13:19:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-10-warehouse-job-primelendings-false-claims-woes-nationstar-probed-what-the-cascade-of-earnings-part-1-tell-us/</loc>
		<lastmod>2014-11-10T13:21:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/veterans-day-va-atr-earnings-summary-continues-will-the-election-change-things-for-lenders/</loc>
		<lastmod>2014-11-11T12:21:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-12-mortgage-opportunities-chase-job-cuts-lots-of-upcoming-events-non-qm-demand-and-supply-update/</loc>
		<lastmod>2014-11-12T12:53:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-13-production-loandepot-los-survey-j-d-powers-results-oregons-lost-how-many-originators/</loc>
		<lastmod>2014-11-13T13:00:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-14-fannie-job-thoughts-on-the-latest-cfpb-consent-order-vs-a-lender-changes-in-credit-trends-rbs-exits-u-s-mbs-market/</loc>
		<lastmod>2014-11-14T13:41:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-15-letters-on-basel-iii-ltvs-impact-on-credit-and-lenders-marketing-to-cpas-instead-of-realtors/</loc>
		<lastmod>2014-11-15T12:45:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-17-mortgage-jobs-charge-for-using-libor-ocwen-wells-deal-off-cfpbs-court-setback-ticking-clock-on-ability-to-foreclosure/</loc>
		<lastmod>2014-11-17T12:54:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-18-mortgage-jobs-supreme-court-arm-index-news-what-new-fha-numbers-mean-for-lenders/</loc>
		<lastmod>2014-11-18T13:35:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-19-mortgage-jobs-mba-offers-health-care-to-members-freddie-new-jumbo-security/</loc>
		<lastmod>2014-11-19T12:52:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-20-mortgage-jobs-and-m-news-on-3-and-g-fee-changes-fdic-training-video-on-atr-and-qm/</loc>
		<lastmod>2014-11-20T13:38:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-21-mortgage-jobs-possible-changes-for-ny-lenders-fannie-freddie-changes-will-help-lenders/</loc>
		<lastmod>2014-11-21T13:10:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-22-attorney-weighs-in-on-franklin-consent-order-notes-on-basel-iii-manufactured-homes-dodd-frank-97-ltvs/</loc>
		<lastmod>2014-11-22T13:11:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-24-sales-huds-4-bp-fee-status-of-mortgage-forgiveness-tax-act/</loc>
		<lastmod>2014-11-24T13:22:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-25-jobs-servicing-continues-to-hit-the-market-upcoming-events-credit-union-lending-laws/</loc>
		<lastmod>2014-11-25T13:37:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-26-correspondents-ramping-up-fed-tila-respa-webinar-site-fha-4bp-fee-fight-heats-up-total-mortgage-volume-figures/</loc>
		<lastmod>2014-11-26T13:35:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-28-bank-mergers-continue-trends-in-rental-markets-distressed-properties-vendor-update-mania/</loc>
		<lastmod>2014-11-28T12:41:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-29-letters-on-aging-los-and-owning-their-careers-lo-comp-respa-why-things-might-slow-risque-joke/</loc>
		<lastmod>2014-11-29T12:53:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-1-mortgage-jobs-across-the-country-investor-overlays-expected-to-be-reduced-rise-of-niche-products/</loc>
		<lastmod>2014-12-01T12:53:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-2-wholesale-credit-standards-and-down-payment-source-in-the-news-lawsuit-mania-continues/</loc>
		<lastmod>2014-12-02T13:13:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-3-warehouse-wholesale-libor-use-update-call-and-other-events-supply-demand-determine-rates/</loc>
		<lastmod>2014-12-03T11:12:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-4-jobs-lo-role-changing-usda-update-mortgage-banker-profit-numbers-appraisal-news/</loc>
		<lastmod>2014-12-04T13:46:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-5-retail-correspondent-and-cfo-jobs-update-on-thinking-on-msas-jobs-date-shifts-rates-higher/</loc>
		<lastmod>2014-12-05T14:03:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-6-notes-on-los-and-their-work-ethics-value-proposition-why-volume-isnt-noticeably-increasing/</loc>
		<lastmod>2014-12-06T12:34:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-8-mortgage-jobs-fhas-loan-limits-lender-updates-mbs-non-performing-supply-demand/</loc>
		<lastmod>2014-12-08T11:23:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-9-mortgage-jobs-what-97-ltv-means-for-los-and-lenders-training-events-eminent-domain-in-san-francisco/</loc>
		<lastmod>2014-12-09T13:34:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-10-jobs-tila-respa-video-update-on-cfpbs-exams-financial-condition-civil-penalty-fund/</loc>
		<lastmod>2014-12-10T13:21:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-11-mortgage-jobs-mortgage-compliance-magazine-fha-flipping-ma-sweeps-through-mi-banks-and-large-lenders/</loc>
		<lastmod>2014-12-11T13:35:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-12-mortgage-jobs-wells-fargo-addresses-respa-tila-reverse-mortgage-changes-nmls-numbers-on-lenders/</loc>
		<lastmod>2014-12-12T13:37:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-13-lender-updates-letters-on-realtors-los-closing-table-qm-nightmares/</loc>
		<lastmod>2014-12-13T13:04:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-15-mortgage-jobs-lehman-in-the-news-down-payment-assistance-study-fitchs-forecast-for-mbs-market-in-2015/</loc>
		<lastmod>2014-12-15T13:04:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-16-mortgage-jobs-state-fraud-rankings-new-products-from-stonegate-first-cal-and-sofi/</loc>
		<lastmod>2014-12-16T13:37:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-17-mortgage-jobs-builder-ellington-cash-infusion-upcoming-events-the-latest-on-fannie-freddie/</loc>
		<lastmod>2014-12-17T12:12:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-18-mortgage-jobs-bank-m-nationwide-rents-lots-of-vendor-updates-mi-news/</loc>
		<lastmod>2014-12-18T13:35:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-19-jobs-fdics-study-on-higher-rates-impact-on-banks-servicing-continues-to-trade-energy-efficient-mortgage-backed-bonds/</loc>
		<lastmod>2014-12-19T13:23:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-20-letters-on-minimizing-fraud-freddies-epo-policy-no-more-stated-loans-and-young-old-los/</loc>
		<lastmod>2014-12-20T12:44:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-22-mortgage-jobs-north-carolina-looks-at-capital-requirements-another-ocwen-settlement/</loc>
		<lastmod>2014-12-22T13:28:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-23-mortgage-jobs-rent-increase-estimates-fannie-freddie-and-ginnie-updates/</loc>
		<lastmod>2014-12-23T13:40:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/christmas-eve-mortgage-jobs-lender-1st-new-england-bankrupt-fha-mip-under-fire-ellie-insight-report/</loc>
		<lastmod>2014-12-24T13:13:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-26-states-list-of-largest-banks-m-agency-foreclosure-waiting-periods/</loc>
		<lastmod>2014-12-26T12:49:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-27-readers-notes-on-wall-street-renovating-properties-los-influencing-appraisers-and-why-youth-shouldnt-be-in-lending/</loc>
		<lastmod>2014-12-27T12:11:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-29-opportunities-lawsuit-update-on-wells-credit-suisse-and-s-how-much-does-it-cost-to-securitize-a-loan/</loc>
		<lastmod>2014-12-29T12:43:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-30-ops-5-skin-in-the-game-hits-the-federal-register-los-watching-changes-in-texas-law/</loc>
		<lastmod>2014-12-30T13:29:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/new-years-eve-nor-cal-job-lender-updates-continue-primer-on-leveraged-loans-update-on-labor-market-conditions/</loc>
		<lastmod>2014-12-31T12:52:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-2-ambac-goes-after-bank-of-america-golden-first-mortgages-judgment-fannie-freddie-fha-updates/</loc>
		<lastmod>2015-01-02T12:51:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-3-notes-on-eminent-domain-sisa-nina-loans-whether-or-not-los-can-work-for-various-companies/</loc>
		<lastmod>2015-01-03T12:43:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-5-mortgage-jobs-new-wholesaler-amc-expansion-false-claims-act-fine-upcoming-events-we-say-goodbye-to-elly-may/</loc>
		<lastmod>2015-01-05T12:50:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-6-mortgage-jobs-bofas-closing-disclosure-plans-nmls-news-primer-on-employment-report/</loc>
		<lastmod>2015-01-06T13:18:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-7-mortgage-jobs-info-on-strategic-planning-youngsters-will-bond-market-rally-actually-help-borrowers/</loc>
		<lastmod>2015-01-07T13:48:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-8-mortgage-jobs-bank-maybe-lenders-investors-should-not-expect-too-much-from-a-cut-in-fha-insurance-premiums/</loc>
		<lastmod>2015-01-08T14:08:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-9-mortgage-jobs-cfpb-status-reports-amc-subprime-news-supply-demand-still-moving-mortgage-rates/</loc>
		<lastmod>2015-01-09T13:36:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-10-notes-on-repurchases-derogatory-credit-timelines-niche-products-solar-panel-lending-and-what-the-cfpb-needs/</loc>
		<lastmod>2015-01-10T12:49:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-12-mortgage-jobs-settlements-as-youd-expect-not-everyone-is-raving-about-fha-changes/</loc>
		<lastmod>2015-01-12T12:30:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-13-mortgage-jobs-impac-experian-goes-directly-to-the-consumer-other-software-news-upcoming-events-training/</loc>
		<lastmod>2015-01-13T13:29:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-14-companies-expanding-sub-servicer-review-industry-reaction-to-cfpbs-new-site-is-swift-and-stinging/</loc>
		<lastmod>2015-01-14T13:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-15-lender-expansion-supreme-court-mortgage-ruling-mba-tila-respa-training-will-ocwens-ny-and-california-woes-impact-our-rate-sheets/</loc>
		<lastmod>2015-01-15T13:42:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-16-mortgage-production-bank-more-on-student-debt-millennials-impact-on-housing/</loc>
		<lastmod>2015-01-16T11:17:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-17-w-2-collateral-underwriter-good-or-bad-who-does-the-rate-survey-for-the-cfpbs-rate-checker/</loc>
		<lastmod>2015-01-17T10:43:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-19-retail-altas-opinion-of-know-before-you-owe-fha-hecm-training-piece-on-cfpbs-enforcement-actions/</loc>
		<lastmod>2015-01-19T12:05:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-20-mortgage-jobs-vendors-laying-off-lenders-merging-the-challenge-of-the-regulatory-environment/</loc>
		<lastmod>2015-01-20T13:28:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-21-jobs-products-training-mi-update-eminent-domain-info-mba-calls-for-folks-to-write-to-cfpb-re-rate-checker/</loc>
		<lastmod>2015-01-21T13:51:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-22-mi-rating-agency-settles-bank-m-agency-news-europes-markets-move-our-rates/</loc>
		<lastmod>2015-01-22T13:52:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-23-ops-non-performing-loan-news-cfpbs-action-vs-wells-chase-has-everyone-with-msas-scurrying/</loc>
		<lastmod>2015-01-23T13:14:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-24-loan-officer-compensation-for-bond-programs-general-lo-frustration-within-the-industry/</loc>
		<lastmod>2015-01-24T13:33:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-26-lo-and-sales-jobs-the-nitty-gritty-on-the-hud-fha-changes-and-how-lenders-are-handling-them/</loc>
		<lastmod>2015-01-26T12:57:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-27-mortgage-jobs-fha-mip-change-advice-cu-white-paper-usda-news-correspondent-salary-survey-cfpb-stealing-auditors-from-states/</loc>
		<lastmod>2015-01-27T11:19:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-28-retail-what-to-learn-from-the-cfpbwellschase-order-fdic-video-on-lo-comp-more-training-events/</loc>
		<lastmod>2015-01-28T12:43:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-29-mortgage-jobs-fannie-cu-webinar-reports-on-the-health-of-reverse-mortgages-homebuilders-and-the-housing-market/</loc>
		<lastmod>2015-01-29T13:49:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-30-mortgage-jobs-subprime-refi-biz-booming-w10-yr-below-1-70-bank-mortgage-bank-ma-on-fire-what-deal-structures-work/</loc>
		<lastmod>2015-01-30T13:39:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-31-notes-on-the-value-of-apr-pros-and-cons-of-bond-programs-the-value-of-an-lo-lenders-educating-politicians/</loc>
		<lastmod>2015-01-31T12:36:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-2-mortgage-jobs-cfpb-throws-a-possible-bone-to-rural-america-saudis-max-ltv-at-70-6-min-capital-ratio-for-nonbanks/</loc>
		<lastmod>2015-02-02T11:59:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-3-mortgage-jobs-moodys-being-probed-lending-club-the-current-state-of-the-secondary-markets/</loc>
		<lastmod>2015-02-03T11:56:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-4-sales-jobs-agency-updates-indicate-lending-trends-millennial-monster-mania-catch-the-wave/</loc>
		<lastmod>2015-02-04T09:52:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-5-jobs-in-all-sectors-m-training-events-the-seminole-indians-decided-to-do-what/</loc>
		<lastmod>2015-02-05T11:19:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-6-mortgage-jobs-reminder-of-lots-of-agency-updates-volume-estimates-for-2015-helped-by-new-mod-plan/</loc>
		<lastmod>2015-02-06T13:41:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-7-letters-on-reg-z-the-difference-between-apps-fundings-bank-vs-non-bank-los-and-meaningless-borrower-paperwork/</loc>
		<lastmod>2015-02-07T13:23:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-9-jobs-questions-about-g-fees-on-various-levels-concern-about-purchase-more-on-collateral-underwriter/</loc>
		<lastmod>2015-02-09T12:22:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-10-jobs-salary-report-from-the-capital-markets-conference-barney-said-what/</loc>
		<lastmod>2015-02-10T12:35:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-11-jobs-newday-fined-by-cfpb-va-lenders-in-super-lien-states-watch-those-reps-warrants/</loc>
		<lastmod>2015-02-11T13:08:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-12-sales-aurora-acquired-va-recoupment-costs-questioned/</loc>
		<lastmod>2015-02-12T11:33:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-13-ops-cashcall-fined-cfpb-texas-teas-impact-on-mortgages/</loc>
		<lastmod>2015-02-13T12:42:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-14-notes-on-lo-compensation-for-bond-programs-meeting-processing-deadlines-a-touching-story-of-love-and-respect/</loc>
		<lastmod>2015-02-14T12:23:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-16-playing-catch-up-on-lender-investor-updates-on-this-holiday-monday/</loc>
		<lastmod>2015-02-16T12:49:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-17-jobs-compensation-survey-state-level-lending-changes-video-on-mortgage-servicing-ugly-zombie-house-legislation/</loc>
		<lastmod>2015-02-17T13:14:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-18-jobs-training-events-good-studies-on-professions-homeownership-ltv-default-rates-and-increasing-student-debt/</loc>
		<lastmod>2015-02-18T13:46:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-19-jobs-upcoming-training-ob-google-compete-with-cfpbs-rate-checker-elizabeth-warren-community-banks/</loc>
		<lastmod>2015-02-19T13:47:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-20-mortgage-jobs-sampling-of-changes-in-the-primary-and-secondary-markets-maybe-short-term-rates-are-fine-where-they-are/</loc>
		<lastmod>2015-02-20T13:16:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-21-notes-on-capital-requirements-non-qm-and-subprime-lending-and-the-unnecessary-paperwork-plaguing-borrowers/</loc>
		<lastmod>2015-02-21T13:18:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-23-ops-servicing-deals-ocwen-recent-history-what-is-the-nrhc/</loc>
		<lastmod>2015-02-23T12:52:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-24-production-banks-confront-regulation-overload-lo-survey-results-mba-risk-sharing-securities/</loc>
		<lastmod>2015-02-24T11:36:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-25-a-wide-swath-of-jobs-settlement-agent-poll-for-81-fannie-apps-continue-downward/</loc>
		<lastmod>2015-02-25T12:19:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-26-ops-and-production-jobs-lender-upcoming-events-training/</loc>
		<lastmod>2015-02-26T13:02:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-27-production-jobs-note-on-va-loans-in-super-lien-states-more-on-oils-impact-on-the-economy/</loc>
		<lastmod>2015-02-27T13:34:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-28-a-primer-on-total-interest-percentage-advice-on-purchase-respa-tila-changes-not-for-the-meek/</loc>
		<lastmod>2015-02-28T12:46:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-2-production-jobs-private-mi-updates-trends-in-fast-growing-rental-markets-gentrification/</loc>
		<lastmod>2015-03-02T12:14:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-3-production-lo-comp-plan-survey-recent-secondary-market-developments-esp-non-performing-loan-sales/</loc>
		<lastmod>2015-03-03T13:12:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-4-jobs-products-lo-training-alta-offers-advice-to-cfpb-points-out-major-problem-with-disclosure-forms/</loc>
		<lastmod>2015-03-04T13:29:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-5-sales-servicer-loancare-news-training-bank-basel-iii-update/</loc>
		<lastmod>2015-03-05T13:36:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-6-lender-expansion-jumbo-news-in-primary-and-secondary-markets-the-securitization-markets/</loc>
		<lastmod>2015-03-06T13:41:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-7-trid-a-new-acronym-for-us-to-remember-letters-on-brokers-the-cfpb-the-role-of-credit-unions-and-gfees/</loc>
		<lastmod>2015-03-07T12:30:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-9-mortgage-sales-jobs-agency-updates-in-primary-uh-oh-oil-impacting-commercial-real-estate/</loc>
		<lastmod>2015-03-09T12:06:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-10-sales-trid-webinar-court-ruling-on-ot-for-los-mortgage-insurance-comparison-and-fha-va-lender-changes/</loc>
		<lastmod>2015-03-10T11:32:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-11-mortgage-jobs-cavalcade-of-vendor-updates-rates-right-back-to-last-weeks-levels/</loc>
		<lastmod>2015-03-11T11:32:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-12-jobs-job-fair-upcoming-training-bank-mba-weighs-in-on-lawsuit/</loc>
		<lastmod>2015-03-12T10:12:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-13-mortgage-production-jobs-across-the-nation-millennial-job-housing-stats-trends-even-a-millennial-joke/</loc>
		<lastmod>2015-03-13T12:20:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/3-14-15-national-pi-day-underwriters-advice-to-los-kickbacks-and-working-together-as-an-industry/</loc>
		<lastmod>2015-03-14T12:20:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-16-production-jobs-organizations-speak-out-on-current-issues-state-level-news-of-note-from-ny-tx-wi-and-mt/</loc>
		<lastmod>2015-03-16T12:06:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-17-ops-new-products-lender-great-irish-video/</loc>
		<lastmod>2015-03-17T12:57:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-18-sales-fannie-how-much-does-3-75-million-sq-feet-of-office-cost/</loc>
		<lastmod>2015-03-18T11:40:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-19-production-jobs-tracking-trid-training-ocwen-sells-more-assets-huds-new-handbook-how-why-mortgages-moved-yesterday/</loc>
		<lastmod>2015-03-19T12:21:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-20-sales-jobs-a-new-bank-trid-progress-survey-so-you-want-to-staff-a-correspondent-division/</loc>
		<lastmod>2015-03-20T12:37:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-21-letters-on-the-mortgage-action-alliance-lo-comp-for-bond-loans-extending-harp-and-handling-student-debt/</loc>
		<lastmod>2015-03-21T11:51:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-23-production-jobs-lots-of-cfpb-forget-march-madness-how-about-lock-lunacy-april-may-should-be-solid/</loc>
		<lastmod>2015-03-23T12:32:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-24-sales-the-cost-per-loan-to-process-service-continues-to-increase-with-little-end-in-sight/</loc>
		<lastmod>2015-03-24T12:34:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-25-ops-ocwens-slide-update-investor-agency-updates-including-freddies-97-program/</loc>
		<lastmod>2015-03-25T11:21:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-26-retail-wholesale-upcoming-lending-training-agency-news-changes/</loc>
		<lastmod>2015-03-26T11:05:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-27-it-audit-cio-more-agency-updates-why-bank-ma-is-expected-to-continue-in-2015/</loc>
		<lastmod>2015-03-27T11:12:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-28-letters-on-trid-staffing-costs-and-apr-primer-cfpb-opinions-updates-including-new-mou-with-the-ftc/</loc>
		<lastmod>2015-03-28T12:29:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-30-production-jobs-background-check-service-primer-on-servicings-cpr-calculation-mba-speaks-out/</loc>
		<lastmod>2015-03-30T10:35:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-31-retail-wholesale-update-from-mba-tech-conference-what-of-lenders-are-testing-trid/</loc>
		<lastmod>2015-03-31T12:31:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-1-bank-of-america-non-bank-servicer-standards-mba-tech-conference-report-upcoming-events-training/</loc>
		<lastmod>2015-04-01T11:01:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-2-jobs-in-retail-wholesale-corres-lender-updates-how-much-profit-did-mortgage-banks-make/</loc>
		<lastmod>2015-04-02T11:22:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-3-jobs-in-ops-merger-mania-a-summary-of-the-trends-impacting-lenders-classic-joke/</loc>
		<lastmod>2015-04-03T12:38:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-4-notes-on-trid-apr-the-size-of-doc-packages-hoa-updates-from-lenders-agencies/</loc>
		<lastmod>2015-04-04T12:33:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-6-retail-hud-va-fha-and-recent-government-lender-updates-of-note/</loc>
		<lastmod>2015-04-06T12:12:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-7-mortgage-sales-jobs-private-money-subservicer-review-the-state-of-selling-servicing/</loc>
		<lastmod>2015-04-07T12:39:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-8-retail-wholesale-and-company-opportunities-upcoming-events-trid-training-will-servicers-be-ready/</loc>
		<lastmod>2015-04-08T10:18:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-9-wholesale-and-retail-jobs-affordable-housing-lawsuit-down-payment-assistance-program-primer/</loc>
		<lastmod>2015-04-09T11:52:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-10-ops-jobs-alta-trid-o-rama-quick-mi-update/</loc>
		<lastmod>2015-04-10T22:16:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-11-notes-on-unused-borrower-credits-brokers-vs-bankers-free-credit-scores-and-the-cost-of-compliance/</loc>
		<lastmod>2015-04-11T11:35:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-13-retail-warehouse-lender-change-millennials-wedding-vs-a-house-parents-ride-to-the-financial-rescue/</loc>
		<lastmod>2015-04-13T12:09:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-14-mgt-wholesale-who-does-the-cfpb-examine-why-how-much-is-a-lender-averaging-9m-a-month-worth/</loc>
		<lastmod>2015-04-14T12:40:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-15-ops-management-rural-area-comment-period-ends-what-the-cfpbs-supervisory-highlights-tell-lenders/</loc>
		<lastmod>2015-04-15T12:40:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-16-retail-correspondent-and-dtc-jobs-first-tennessee-settles-bank-earnings-reflect-lending-biz-bank-mortgage-bank-ma-continues/</loc>
		<lastmod>2015-04-16T12:48:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-17-ops-abundance-of-agency-updates-does-fannie-really-need-to-approve-lender-management-changes/</loc>
		<lastmod>2015-04-17T12:36:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-18-notes-on-lo-trends-credit-reports-fan-fave-eileen-ogrady-on-the-aba-real-estate-lending-conference-the-perils-of-prudence/</loc>
		<lastmod>2015-04-18T12:28:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-20-sales-jobs-interesting-training-quicken-vs-the-u-s-government-agency-fee-changes-much-ado-about-nothing/</loc>
		<lastmod>2015-04-20T12:37:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-21-sales-jobs-cmla-speaks-out-few-tears-or-fears-over-pmiers/</loc>
		<lastmod>2015-04-21T11:43:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-22-sales-what-do-realtors-want-from-lenders-millennials-from-their-banks-q1-solid-lending-numbers/</loc>
		<lastmod>2015-04-22T11:26:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-23-ops-trid-the-cost-and-training-credit-unions-in-lending-hear-them-roar/</loc>
		<lastmod>2015-04-23T10:22:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-24-aes-and-sales-jobs-blackstone-rumored-to-buy-more-lenders-doj-sues-quicken-general-industry-trends/</loc>
		<lastmod>2015-04-24T09:57:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-25-attorney-weighs-in-on-quikens-lawsuit-how-to-fix-the-appraisal-system-group-issues-final-rules-on-federally-regulated-amcs/</loc>
		<lastmod>2015-04-25T11:51:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-27-capital-markets-upcoming-events-of-note-state-level-news-higher-rents-lenders-friend-or-foe/</loc>
		<lastmod>2015-04-27T12:05:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-28-marketing-events-inc-trid-training-fha-all-the-way-lots-of-program-investor-changes/</loc>
		<lastmod>2015-04-28T12:25:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sales-jobs-rent-cfpb-penalizes-green-tree-rant-on-millennials-in-the-press-why-they-arent-buying/</loc>
		<lastmod>2015-04-29T12:34:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-30-sales-merrimack-mortgage-purchased-cfpb-ny-and-maryland-target-title-companies-more-regulators-on-the-way/</loc>
		<lastmod>2015-04-30T13:04:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-1-jobs-and-tips-on-job-hunting-rents-up-vacancies-down-music-to-lenders-ears-how-much-for-a-place-in-sf/</loc>
		<lastmod>2015-05-01T12:07:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-2-letters-on-dodd-franks-impact-on-appraisals-deutsche-bank-lawsuit-funding-new-companies-reducing-app-to-close-timeline-and-gifts-to-clients/</loc>
		<lastmod>2015-05-02T12:40:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-4-retail-jobs-fannie-mi-earnings/</loc>
		<lastmod>2015-05-04T12:11:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-5-sales-what-compliance-officers-want-builders-plethora-of-cfpb-updates-the-real-story-of-cinco-de-mayo/</loc>
		<lastmod>2015-05-05T12:50:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-6-management-mortgage-bank-iowas-cool-trid-grid-usda-rural-housing-updates/</loc>
		<lastmod>2015-05-06T12:47:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-7-retail-cfo-fannie-training-comments-on-cfpbs-recent-study-fraud-investigator-accused-of-fraud/</loc>
		<lastmod>2015-05-07T12:44:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-8-ops-wholesale-vendor-updates-of-note-safe-act-changes-in-the-offing/</loc>
		<lastmod>2015-05-08T12:56:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-9-notes-on-respa-gifts-ocwen-super-lien-states-hoas-and-from-brokers-los-regarding-trid/</loc>
		<lastmod>2015-05-09T12:13:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-11-non-qm-product-trid-products-harp-o-rama-extended-bofa-chase-change-bankruptcy-policy/</loc>
		<lastmod>2015-05-11T11:58:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-12-ops-individual-state-notable-changes-to-lending-laws-and-what-is-a-spite-fence/</loc>
		<lastmod>2015-05-12T12:05:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-13-wholesale-jobs-nar-warns-realtors-about-trid-unabated-agency-changes-who-can-keep-track/</loc>
		<lastmod>2015-05-13T12:51:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-14-jobs-in-secondary-wholesale-retail-corres-residential-lenders-go-into-personal-loans-regulations-driving-m-cordray-addresses-trid-mill-fears/</loc>
		<lastmod>2015-05-14T12:52:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-15-sales-job-trid-consulting-cfpb-addresses-section-8-nar-mba-namb-congress-to-cfpb-dont-trid-on-me-with-25kday-fines/</loc>
		<lastmod>2015-05-15T12:42:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-16-opinions-on-the-economy-trid-compliance-chicago-closing-costs-community-banks-finding-underwriters-lo-comp-for-bond-loans/</loc>
		<lastmod>2015-05-16T12:05:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-18-cfo-job-personnel-movements-f-what-if-fed-tweaked-its-balance-sheet/</loc>
		<lastmod>2015-05-18T10:27:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-19-ops-fha-va-updates-and-related-investor-guideline-changes-the-new-handbook-dissected/</loc>
		<lastmod>2015-05-19T10:13:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-20-retail-jobs-upcoming-events-and-trid-training-capital-markets-faqs-bank-ratings-us-bank-and-bofa-receive-some-good-news/</loc>
		<lastmod>2015-05-20T10:19:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-21-cfo-fiserv-to-give-cfpb-data-vendor-mgt-lo-marketing-guide-ag-prices-slipping-bank-m-warning-on-suspect-warehouse-lender/</loc>
		<lastmod>2015-05-21T12:49:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-22-underwriting-job-lawsky-bails-and-sails-new-lehmangreenpoint-suit-home-land-price-trends/</loc>
		<lastmod>2015-05-22T12:45:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-23-trid-concerns-dominate-letters-in-defense-of-it-how-to-improve-it-does-it-apply-to-oo-and-noo-loans-or-does-it-matter/</loc>
		<lastmod>2015-05-23T12:43:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-26-ops-upcoming-training-events-and-trid-news-eclosing-update-first-time-home-buyer-numbers/</loc>
		<lastmod>2015-05-26T12:41:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-27-salesproduction-jobs-interesting-trends-in-fhlb-subprime-and-non-agency-mbs-issuance-so-what-if-greece-defaults/</loc>
		<lastmod>2015-05-27T11:32:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-28-ops-compliance-ocwens-houston-closure-risks-facing-banks-state-level-lending-news/</loc>
		<lastmod>2015-05-28T12:44:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-29-compliance-job-good-trends-in-housing-prices-upcoming-events-45-business-days-til-trid-alta-says-92-will-be-ready/</loc>
		<lastmod>2015-05-29T12:35:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-30-tax-liens-with-hoas-policy-for-re-disclosure-for-apr-decrease-have-lenders-sheltered-realtors-builders-from-compliance-hurdles/</loc>
		<lastmod>2015-05-30T12:09:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-1-risk-ops-and-correspondent-jobs-cfpb-developments-including-targeting-provident-for-broker-business-done-years-ago/</loc>
		<lastmod>2015-06-01T12:42:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-2-retail-trid-training-supreme-court-decides-2nd-mortgage-case-title-mortgage-insurance-updates/</loc>
		<lastmod>2015-06-02T12:07:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-3-retail-nationstar-lawsuit-profits-per-loan-in-1st-quarter-big-fannie-seller-changes/</loc>
		<lastmod>2015-06-03T11:58:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-4-retail-jobs-bank-m-wide-range-of-industry-reaction-to-trid-announcement/</loc>
		<lastmod>2015-06-04T10:24:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-5-secondary-abacus-acquitted-upcoming-events-cfpb-targets-lo-comp-captive-insurance-and-reverse-mortgages/</loc>
		<lastmod>2015-06-05T12:41:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-6-input-on-curing-irs-tax-transcript-problems-union-programs-the-benefits-of-bond-programs/</loc>
		<lastmod>2015-06-06T10:28:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-8-high-level-correspondent-job-cfpb-fines-lender-for-paying-based-on-interest-rates-hedging-philosophy/</loc>
		<lastmod>2015-06-09T03:08:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-9-retail-jobs-versus-hsbc-layoffs-banks-300-billion-legal-bill-life-in-a-mortgage-bank/</loc>
		<lastmod>2015-06-09T12:16:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-10-retail-jobs-mlo-thoughts-on-what-kind-of-lender-will-survive-thrive-in-a-no-growth-industry/</loc>
		<lastmod>2015-06-10T16:49:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-11-retail-jobs-career-fair-new-product-development-and-training-a-new-realtorlo-product-challenges-to-lending-in-california/</loc>
		<lastmod>2015-06-11T07:22:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-12-accounting-legal-explanation-of-the-importance-of-vendor-management/</loc>
		<lastmod>2015-06-12T08:00:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-13-1099-vs-w-2-for-los-union-programs-and-defending-the-broker-model-more-mbs-litigation-ahead-for-lenders/</loc>
		<lastmod>2015-06-13T05:02:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-15-servicing-trid-for-the-public-primer-on-hedging-and-thoughts-on-the-changes-facing-residential-lending-builders-merge/</loc>
		<lastmod>2015-06-15T05:50:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-16-wholesale-upcoming-trid-events-around-the-country-thoughts-on-helping-minorities-millennials/</loc>
		<lastmod>2015-06-16T15:08:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-17-jobs-primer-on-hedge-costs-is-there-a-lack-of-appraisers/</loc>
		<lastmod>2015-06-17T04:02:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-18-mortgage-jobs-trid-update-a-look-at-mortgage-company-acquisitions-big-changes-at-barclays-occ-restricts-wells-and-other-banks/</loc>
		<lastmod>2015-06-18T09:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-19-ops-jobs-safest-places-to-live-note-from-dave-stevens-current-state-of-the-biz/</loc>
		<lastmod>2015-06-19T07:51:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-20-up-to-the-minute-trid-information-the-problem-with-apr-mi-companys-focus/</loc>
		<lastmod>2015-06-20T11:11:44+00:00</lastmod>
		<image:image>
			<image:loc>https://chrismancommentary.com/wp-content/uploads/2015/06/APRFormula.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-22-correspondent-plenty-of-conventional-conforming-updates-a-september-hike/</loc>
		<lastmod>2015-06-22T05:28:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-23-ops-trid-training-fha-va-changes-new-information/</loc>
		<lastmod>2015-06-23T13:15:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-24-retail-millennials-rent-yes-free-du-but-there-are-compliance-tangles/</loc>
		<lastmod>2015-06-24T11:02:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-25-it-msr-company-pingora-purchased-msa-call-bank-ma-rolls-on-how-many-branches-is-fifth-third-closing/</loc>
		<lastmod>2015-06-25T12:57:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-26-sales-management-jumbo-disparate-impact-ruling-clears-things-up-kind-of-a-new-udaap/</loc>
		<lastmod>2015-06-26T12:17:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-27-letters-from-readers-on-the-apr-cdos-phone-system-uniformity-the-importance-of-qc-and-the-broker-model/</loc>
		<lastmod>2015-06-27T11:57:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-29-retail-opportunities-the-fhlb-u-s-rates-drop-cfpb-to-audit-executive-pay-why-not-doctors-pay/</loc>
		<lastmod>2015-06-29T11:45:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-30-sales-jobs-originator-census-survey-another-lender-purchased-its-all-about-greece-rates/</loc>
		<lastmod>2015-06-30T12:14:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-1-compliance-sales-and-ops-jobs-nationwide-investor-updates-on-disaster-policies-llpa-changes/</loc>
		<lastmod>2015-07-01T12:29:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-2-lo-jobs-the-scoop-on-tax-transcripts-4506-ts-required-prior-to-closing-by-the-agencies/</loc>
		<lastmod>2015-07-02T12:47:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-3-bank-m-input-on-irs-tax-transcript-usefulness-no-clear-trends-in-household-formation/</loc>
		<lastmod>2015-07-03T11:53:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-6-retail-jobs-profusion-of-upcoming-events-greek-drama-pushes-rates-lower/</loc>
		<lastmod>2015-07-06T11:51:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-7-ops-compendium-of-fha-va-ginnie-fannie-freddie-updates-including-lpmi-trid-disclosure-policies/</loc>
		<lastmod>2015-07-07T12:24:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-8-retail-wholesale-and-ops-jobs-best-efforts-sales-are-alive-and-well-the-cost-of-rate-lock-extensions-explained/</loc>
		<lastmod>2015-07-08T11:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-9-training-retail-ops-trends-in-servicing-and-servicing-transfers-more-tomorrow/</loc>
		<lastmod>2015-07-09T12:42:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-10-ops-google-bank-m-hedging-servicing/</loc>
		<lastmod>2015-07-10T12:22:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-11-thoughts-on-the-paying-los-on-profitability-health-care-costs-productivity-and-declining-foreclosures/</loc>
		<lastmod>2015-07-11T12:07:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-13-correspondent-jobs-recent-state-specific-lending-law-updates-greek-settlement-shifts-rates-higher/</loc>
		<lastmod>2015-07-13T11:46:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-14-retail-upcoming-events-update-on-msas-trid-for-realtors-avalanche-of-freddie-fannie-updates/</loc>
		<lastmod>2015-07-14T12:40:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-15-sales-jobs-news-from-the-mba-including-its-trid-survey-oig-cfpb-nar-cuna-pace-and-several-other-acronyms/</loc>
		<lastmod>2015-07-15T12:40:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-16-ops-innovation-in-primary-every-fha-lender-following-hud-v-nova/</loc>
		<lastmod>2015-07-16T12:40:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-17-ops-banker-branch-numbers-income-and-m-builder-trends-definitely-point-higher-upcoming-events/</loc>
		<lastmod>2015-07-17T12:42:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-18-notes-on-broker-biz-property-line-disputes-counter-party-risk-and-how-los-helping-realtors-can-be-a-respa-violation/</loc>
		<lastmod>2015-07-18T12:35:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-20-sales-chase-settles-lawsuit-while-wells-has-one-dismissed-progress-on-e-sign-back-up-los-worth-it/</loc>
		<lastmod>2015-07-20T12:03:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-21-correspondent-irs-drama-continues-fhas-memo-on-dpa-programs-fallout-from-fannie-freddies-gfees/</loc>
		<lastmod>2015-07-21T12:20:44+00:00</lastmod>
		<image:image>
			<image:loc>https://chrismancommentary.com/wp-content/uploads/2015/07/IMG_0301-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-22-retail-upcoming-events-have-a-say-on-gfee-levels-the-cost-of-enforcement-actions-inc-one-against-an-amc/</loc>
		<lastmod>2015-07-22T11:53:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-23-sales-jobs-zions-housing-market-on-fire-yield-curve-changing-slope-why/</loc>
		<lastmod>2015-07-23T12:47:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-24-wholesale-vendor-fdics-banamex-civil-penalty-moodys-admits-error/</loc>
		<lastmod>2015-07-24T12:47:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-25-letter-from-a-bank-ceo-ending-lending-trid-irs-transcripts-greek-bailout-explained-snort/</loc>
		<lastmod>2015-07-25T11:58:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-27-new-products-capital-one-layoffs-flood-insurance-news-va-changes-jumbo-trends/</loc>
		<lastmod>2015-07-27T12:51:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-28-production-jobs-cfpb-personnel-moves-why-millennials-rent-is-the-los-best-friend/</loc>
		<lastmod>2015-07-28T11:37:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-29-ops-sales-wells-business-channel-rumor-conventional-conforming-updates-never-cease/</loc>
		<lastmod>2015-07-29T11:48:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-30-ops-bank-m-cfpbs-latest-fine-jd-powers-servicing-survey-prospect-withdraws-from-msa-biz/</loc>
		<lastmod>2015-07-30T12:41:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-31-sales-wells-cfpb-trid-toolkit-capital-markets-trends-student-loans/</loc>
		<lastmod>2015-07-31T12:41:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-1-concerns-questions-and-suggestions-on-trid-related-paperwork-hud-1-and-the-loan-estimate/</loc>
		<lastmod>2015-08-01T11:58:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-3-wholesale-correspondent-and-business-opportunities-cfpbs-latest-fines-upcoming-events-training-much-of-it-free/</loc>
		<lastmod>2015-08-03T11:54:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-4-underwriter-jobs-personnel-name-and-mortgage-company-changes-qm-closing-servicing-costs-march-higher/</loc>
		<lastmod>2015-08-04T12:23:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-5-retail-calif-disaster-news-training-for-hiring-millennials-and-their-impact-on-housing-city-values/</loc>
		<lastmod>2015-08-05T12:34:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-6-sales-jobs-m-arm-webinar-bank-m-cool-trends-in-capital-markets/</loc>
		<lastmod>2015-08-06T12:04:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-7-consulting-e-signature-progress-agency-news-in-primary-markets-fannie-earnings/</loc>
		<lastmod>2015-08-07T13:12:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-8-the-increasing-weight-of-compliance-can-anyone-possibly-keep-track-of-it-all-is-it-helping-the-consumer/</loc>
		<lastmod>2015-08-08T12:22:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-10-non-performing-loan-purchaser-upcoming-training-new-product-and-underwriting-changes-rampant/</loc>
		<lastmod>2015-08-10T12:18:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-11-retail-openings-in-multiple-states-hud-settles-with-two-lenders-trends-in-home-buying-ginnie-news/</loc>
		<lastmod>2015-08-11T11:42:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-12-wholesale-jobs-upcoming-events-of-note-company-earnings-monitor-health-of-biz-mi-update/</loc>
		<lastmod>2015-08-12T11:39:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-13-non-qm-correspondent-disparate-impact-white-paper-credit-unions-market-share-is-how-high/</loc>
		<lastmod>2015-08-13T12:35:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-14-dtc-retail-and-wholesale-jobs-goldmans-settlement-the-cfpb-and-mortgage-insurance-the-irs-w-2-proposal/</loc>
		<lastmod>2015-08-14T12:39:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-15-letters-input-regarding-the-legality-of-msas-trid-and-originators-the-coming-zero-tolerance-for-appraisal-costs/</loc>
		<lastmod>2015-08-15T11:44:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-17-underwriting-finance-of-americas-growth-the-cfpb-has-been-very-very-busy-very/</loc>
		<lastmod>2015-08-17T12:12:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-18-ae-jobs-around-the-nation-bb-fha-handbook-training-nar-is-the-jumbo-market-alive-and-well/</loc>
		<lastmod>2015-08-18T12:50:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-19-lo-search-loads-of-agency-news-heloc-interest-by-borrowers/</loc>
		<lastmod>2015-08-19T12:45:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-20-underwriting-fdic-goes-after-bny-mellon-bank-m-agency-affordable-housing-goals-little-changed/</loc>
		<lastmod>2015-08-20T12:46:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-21-retail-vendor-management-current-foci-of-capital-markets-a-lender-worth-4-billion/</loc>
		<lastmod>2015-08-21T12:07:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-22-can-fees-be-taken-from-originator-paychecks-are-msas-illegal-no-but/</loc>
		<lastmod>2015-08-22T11:52:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-24-retail-trid-buyback-risk-webinar-student-debt-figures-richard-cordray-on-msas/</loc>
		<lastmod>2015-08-24T12:13:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-25-retail-jobs-fhapace-update-volatility-hedge-costs-refinancing-servicing-connection/</loc>
		<lastmod>2015-08-25T12:10:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-26-retail-4506-t-product-agency-updates-of-note-spate-of-housing-economic-news/</loc>
		<lastmod>2015-08-26T11:20:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-27-comp-survey-specialized-va-investor-depository-bank-rankings-state-level-lending-changes-2nd-qtr-profit-margin-numbers/</loc>
		<lastmod>2015-08-27T12:43:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-28-compliance-first-american-respa-case-plenty-of-changes-in-the-fha-va-usda-world/</loc>
		<lastmod>2015-08-28T12:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-29-notes-on-public-relations-tarp-prison-sentence-pros-and-cons-of-esignings-and-brokers-reg-z/</loc>
		<lastmod>2015-08-29T12:19:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-31-sales-cfpb-news-hispanic-influence-growing-care-rents-are-los-friend/</loc>
		<lastmod>2015-08-31T12:20:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-1-wholesale-jobs-m-upcoming-training-lender-management-changes-bofa-and-mt-settlements/</loc>
		<lastmod>2015-09-01T12:27:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-2-wholesale-analysts-take-on-stonegate-22-bus-days-to-trid-lots-of-resources-to-help-logos-on-home-tool-kit/</loc>
		<lastmod>2015-09-02T12:35:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-3-retail-jobs-fha-webinar-dtc-workshop-blackstone-lots-of-fha-developments/</loc>
		<lastmod>2015-09-03T13:10:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-4-retail-the-price-of-messing-up-on-trid-more-agency-updates-news/</loc>
		<lastmod>2015-09-04T12:41:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-5-letters-about-msas-mi-pricing-for-credit-unions-investing-in-the-agencies-and-lending-in-a-cfpb-world/</loc>
		<lastmod>2015-09-05T12:13:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-8-retail-trid-zero-is-not-no-tolerance-catching-up-with-vendor-mi-updates/</loc>
		<lastmod>2015-09-08T11:50:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-9-retail-ops-and-management-jobs-trid-webinars-unmistakable-trends-in-capital-markets/</loc>
		<lastmod>2015-09-09T12:35:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-10-wholesale-housing-hot-markets-government-intervention-does-it-always-help-housing/</loc>
		<lastmod>2015-09-10T12:43:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-11-bank-m-trid-is-everywhere-the-cost-of-regulation-for-banks-a-poignant-joke/</loc>
		<lastmod>2015-09-11T12:45:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-12-notes-about-medical-collections-impact-on-credit-cfpb-community-banks-and-the-eworld-were-heading-toward-in-lending/</loc>
		<lastmod>2015-09-12T11:06:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-14-retail-another-false-claims-settlement-credit-unions-growing-membership-lending/</loc>
		<lastmod>2015-09-14T11:49:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-15-lo-the-intersections-of-regulation-politics-and-lending-never-a-dull-moment/</loc>
		<lastmod>2015-09-15T11:33:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-16-retail-opportunity-rental-history-product-trends-in-credit-scores-non-qm-credit-scoring-and-subprime/</loc>
		<lastmod>2015-09-16T11:31:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-17-retail-cybercrime-continues-to-hit-lenders-trid-training-lender-buys-bank-how-to-sell-a-house-fast/</loc>
		<lastmod>2015-09-17T11:11:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-18-ops-lender-trid-updates-lenders-fha-fomc-statement-much-ado-about-nothing/</loc>
		<lastmod>2015-09-18T10:35:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-19-notes-on-the-cost-of-compliance-down-payments-default-rates-esignatures-ewarehouse-developments/</loc>
		<lastmod>2015-09-19T10:58:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-21-ops-update-on-ocwen-wells-fargo-the-fha-and-the-false-claims-act/</loc>
		<lastmod>2015-09-21T12:26:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-22-retail-trid-pimco-increases-mortgage-presence-while-others-scale-back/</loc>
		<lastmod>2015-09-22T10:28:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-23-ops-new-products-rolled-out-conventional-conforming-underwriting-changes-never-stop/</loc>
		<lastmod>2015-09-23T11:25:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-24-wholesale-new-products-by-lenders-banks-oakland-sues-wells-fargo-pnc-has-closed-how-many-branches/</loc>
		<lastmod>2015-09-24T12:38:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-25-mi-the-cfpbs-fines-final-rules-readiness-guide-defining-rural-lenders-updates-on-exam-procedures/</loc>
		<lastmod>2015-09-25T12:41:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-26-qc-trends-brokers-responsibilities-under-trid-with-recent-rules-and-rulings-is-the-cfpb-in-total-control-or-out-of-control/</loc>
		<lastmod>2015-09-26T12:03:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-28-retail-lo-jobs-lots-of-upcoming-events-ginnie-mae-fha-updates-impacting-primary-secondary-markets/</loc>
		<lastmod>2015-09-28T12:43:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-29-sales-retail-and-wholesale-jobs-trid-ready-or-not-here-it-comes-how-some-lenders-continue-to-try-to-educate/</loc>
		<lastmod>2015-09-29T12:35:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-30-retail-cordray-speaks-out-on-trid-latinos-household-growth-culture-the-housing-market/</loc>
		<lastmod>2015-09-30T12:32:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-1-sales-jobs-around-the-nation-lending-to-asian-americans-mbs-issuance-numbers-lender-receives-1-billion-in-funding/</loc>
		<lastmod>2015-10-01T13:15:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-2-sales-hoped-for-trid-leniency-wont-stop-lawsuits-bank-numbers-declining-mi-biz-updates-rates-decline-on-job-data/</loc>
		<lastmod>2015-10-02T12:39:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-3-note-on-hispanics-lending-troubling-trends-in-mortgage-fraud-unintended-consequences-of-trid-and-esignatures/</loc>
		<lastmod>2015-10-03T10:59:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-5-retail-wholesale-upcoming-events-to-note-trid-implementation-facts-and-rumors/</loc>
		<lastmod>2015-10-05T12:13:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-6-ae-ops-mi-and-credit-officer-jobs-new-products-continue-capital-markets-changes-credit-default-swap-news/</loc>
		<lastmod>2015-10-06T12:41:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-7-coo-trid-flubs-fluffs-pr-victories-training-fannie-freddie-weigh-in-on-enforcement/</loc>
		<lastmod>2015-10-07T11:37:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-8-wholesale-retail-new-reps-millennial-chatter-trends/</loc>
		<lastmod>2015-10-08T12:47:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-9-retail-wholesale-mgt-jobs-webinar-about-msa-news-5-3-settles-loandepot-goes-public/</loc>
		<lastmod>2015-10-09T12:43:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-10-notes-on-the-confusing-overlap-of-regulations-title-association-faq-aging-appraisers-and-appraisal-costs-under-trid/</loc>
		<lastmod>2015-10-10T12:00:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-12-mi-warehouse-msa-scuttlebutt-trid-related-quotes-progress-and-tools/</loc>
		<lastmod>2015-10-12T12:19:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-13-retail-ops-mi-correspondent-opportunities-upcoming-training-more-trid-developments/</loc>
		<lastmod>2015-10-13T12:33:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-14-retail-corresp-ops-california-lender-closes-risk-sharing-update-condo-lending-msa-news-interpretation/</loc>
		<lastmod>2015-10-14T12:44:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-15-correspondent-retail-management-jobs-personnel-moves-of-note-jumbo-loan-trends-bofa-bails-on-msas/</loc>
		<lastmod>2015-10-15T12:46:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-16-sales-jobs-cmps-white-paper-on-industry-avalanche-of-state-level-lending-law-changes/</loc>
		<lastmod>2015-10-16T11:59:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-17-attorney-weighs-in-on-msa-situation-le-pre-approvals-under-trid-and-how-the-lo-role-has-become-more-important/</loc>
		<lastmod>2015-10-17T11:51:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-19-retail-wholesale-capital-markets-jobs-trid-loans-closing-planet-home-finalizes-deal-vendor-frenzy-new-products-and-ma/</loc>
		<lastmod>2015-10-19T11:55:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-20-operations-mgt-jobs-new-correspondent-barclayswachovias-settlement-bank-earnings-and-ma-what-is-conduct-risk/</loc>
		<lastmod>2015-10-20T12:36:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-21-retail-wholesale-it-compliance-jobs-the-continued-cost-of-compliance-its-impact-on-borrowers/</loc>
		<lastmod>2015-10-21T13:03:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-22-appraisal-events-of-note-flood-of-fannie-freddie-changes-in-the-primary-secondary-markets/</loc>
		<lastmod>2015-10-22T12:51:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-23-ops-job-fha-program-status-evolution-updates-and-lender-changes-a-decent-joke-on-a-friday/</loc>
		<lastmod>2015-10-23T12:15:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-24-notes-on-the-broker-model-empowering-los-does-the-cfpb-scope-include-banks-with-less-than-10-billion-in-assets-you-bet/</loc>
		<lastmod>2015-10-24T12:03:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-26-mi-job-upcoming-events-continuing-agency-changes-that-move-the-markets/</loc>
		<lastmod>2015-10-26T12:03:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-27-retail-jobs-in-the-west-30-year-old-buys-home-millennial-spokesperson-asks-can-you-stop-talking-about-us-now/</loc>
		<lastmod>2015-10-27T12:41:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-28-compliance-disaster-policy-updates-upcoming-events-changes-in-the-mi-company-sector/</loc>
		<lastmod>2015-10-28T12:51:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-29-wholesale-big-week-for-bank-m-fee-changes-price-adjustment-trends/</loc>
		<lastmod>2015-10-29T12:37:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-30-wholesale-retail-call-center-jobs-innovation-in-lenders-pending-home-sales-trends-flood-insurance-update-ug-on-the-block/</loc>
		<lastmod>2015-10-30T10:33:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/oct-31-notes-on-prequals-pre-approvals-in-a-trid-le-world-credit-score-based-on-facebook-friends/</loc>
		<lastmod>2015-10-31T07:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-2-retail-jobs-lender-cuts-wholesale-to-focus-on-retail-prequal-preapproval-notes-continue/</loc>
		<lastmod>2015-11-02T12:00:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-3-retail-new-pres-for-duncan-group-fha-news-mers-bofa-fifth-third-settlements/</loc>
		<lastmod>2015-11-03T12:59:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-4-mi-retail-and-sales-management-jobs-and-some-big-personnel-moves-upcoming-events-is-freddies-quarterly-loss-important/</loc>
		<lastmod>2015-11-04T13:40:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-5-retail-jobs-house-to-vote-on-gfee-measure-what-impac-stonegate-pennymac-and-phh-earnings-tell-us/</loc>
		<lastmod>2015-11-05T13:43:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-6-wholesale-wellsdoj-settle-f-lenders-helping-others-less-fortunate/</loc>
		<lastmod>2015-11-06T13:39:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-7-the-benefits-of-trid-le-appraisal-fees-the-cfpb-class-action-lawsuits-research-on-trid-prequals/</loc>
		<lastmod>2015-11-07T13:11:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-9-retail-jobs-upcoming-training-parties-and-events-several-agency-changes-investors-reactions/</loc>
		<lastmod>2015-11-09T13:20:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-10-amc-alta-msas-desk-rentals-the-cfpb-phh-respa-and-nar-who-can-keep-track/</loc>
		<lastmod>2015-11-10T13:38:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-11-veterans-day-retail-opportunities-occ-experian-report-on-credit-scores-a-joke-you-shouldnt-skip/</loc>
		<lastmod>2015-11-11T13:13:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-12-mi-ae-and-lo-jobs-mixed-bag-of-mi-company-news-ginniefhlb-servicing-released-product/</loc>
		<lastmod>2015-11-12T13:43:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-13-wholesale-bank-m-state-changes-loandepot-pulls-ipo-hmmm/</loc>
		<lastmod>2015-11-13T13:58:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-14-handy-dandy-websites-takeaways-from-the-mba-conference-curing-tip-under-disclosure-costs-on-rural-appraisals/</loc>
		<lastmod>2015-11-14T12:56:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-16-it-retail-and-compliance-jobs-lender-changes-lo-comp-survey-results-upcoming-events-condo-policy-changes/</loc>
		<lastmod>2015-11-16T13:43:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-17-retail-wholesale-and-ops-jobs-slew-of-vendor-updates-will-the-fha-news-lead-to-an-mip-cut/</loc>
		<lastmod>2015-11-17T13:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-18-retail-new-gig-for-cfpb-lawyer-cfpb-cfpb-cfpb-who-can-keep-track/</loc>
		<lastmod>2015-11-18T13:40:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-19-retail-correspondent-opportunities-new-products-appraisal-news-across-the-board-how-big-is-blackstone/</loc>
		<lastmod>2015-11-19T13:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-20-credit-underwriter-processor-and-mi-jobs-lender-purchased-swaps-primer-nationstar-deal-prospect-settles/</loc>
		<lastmod>2015-11-20T11:40:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-21-letters-on-hmda-help-the-cost-of-regulations-realtors-cds-and-how-trids-rollout-has-gone/</loc>
		<lastmod>2015-11-21T13:22:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-23-mi-ops-trends-in-creditcredit-scores-in-residential-lending-reporting-ransomware/</loc>
		<lastmod>2015-11-23T13:36:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-24-retail-wholesale-and-warehouse-spots-f-zillow-google-team-up-on-mortgage-rates/</loc>
		<lastmod>2015-11-24T13:43:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-25-it-risk-management-quickens-online-mortgage-lendas-seed-funding-how-much-is-a-tiny-house-in-pittsburgh/</loc>
		<lastmod>2015-11-25T13:43:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-27-fannie-agency-requirements-after-a-bankruptcy-or-foreclosure-classic-joke/</loc>
		<lastmod>2015-11-27T13:36:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-28-dodd-frank-rulemaking-progress-lenders-grappling-with-the-le/</loc>
		<lastmod>2015-11-28T13:14:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/nov-30-mlo-upcoming-events-recruiting-hiring-trends-how-does-the-cfpb-do-it/</loc>
		<lastmod>2015-11-30T13:23:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-1-retail-correspondent-mi-jobs-new-products-millennials-in-the-workplace-fed-student-debt-study-worth-a-skim-china-to-issue-mbs/</loc>
		<lastmod>2015-12-01T13:16:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-2-coo-upcoming-events-cfpbs-financial-stats-is-trid-hurting-lending/</loc>
		<lastmod>2015-12-02T13:38:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-3-ops-retail-corresp-openings-trends-in-servicing-fannie-lawsuits-settlements-inc-franklin-americans/</loc>
		<lastmod>2015-12-03T13:43:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-4-ops-retail-warehouse-agency-news-inc-fannies-eclosing-project-bank-news-why-is-ma-rolling-along/</loc>
		<lastmod>2015-12-04T13:41:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-5-marijuana-cfpb-e-mail-addresses-for-help-dodd-franks-impact-on-company-size/</loc>
		<lastmod>2015-12-05T13:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-7-retail-wholeale-and-ops-jobs-servicing-transfer-trends-investors-view-of-cd-le-potential-defect/</loc>
		<lastmod>2015-12-07T12:12:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-8-operations-training-capital-market-news-primer-on-the-impact-of-a-short-term-rate-increase/</loc>
		<lastmod>2015-12-08T13:19:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-9-trainer-position-corres-channel-for-sale-msr-valuation-discount-fdic-litigation-update-new-2-million-jumbo-loan-program/</loc>
		<lastmod>2015-12-09T13:28:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-10-new-non-qm-product-senior-uw-job-morgan-stanley-layoffs-fha-va-ginnie-updates-what-is-caivers/</loc>
		<lastmod>2015-12-10T13:44:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-11-retail-corresp-and-product-opportunities-prison-time-for-warehouse-fraud-cybersecurity-in-a-cfpb-world-problems-with-hoa-insurance/</loc>
		<lastmod>2015-12-11T13:43:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-12-notes-for-margins-on-swaps-caivrs-credit-scoring-and-dual-employment-for-hud-mortgagees/</loc>
		<lastmod>2015-12-12T11:44:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-14-retail-jobs-across-the-nation-upcoming-events-rhode-island-fraud-ally-re-entering-the-biz-fomc-week/</loc>
		<lastmod>2015-12-14T13:10:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-15-mi-trid-webinar-trids-impact-on-lenders-the-consumer-not-good-news/</loc>
		<lastmod>2015-12-15T13:37:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-16-retail-flood-insurance-changes-how-many-jobs-have-big-banks-cut-prosper-did-what/</loc>
		<lastmod>2015-12-16T12:20:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-17-lo-jobs-tila-respa-changes-bedeviling-primary-and-secondary-markets-thus-impacting-consumers/</loc>
		<lastmod>2015-12-17T13:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-18-default-services-1099-vs-w-2-for-mlo-comp-which-wont-land-you-in-hot-water/</loc>
		<lastmod>2015-12-18T13:46:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-19-primer-on-lender-the-cfpbs-data-collection-draws-criticism/</loc>
		<lastmod>2015-12-19T12:54:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-21-retail-opportunities-catching-up-with-usda-rural-program-updates-chase-epo-note-riles-some-of-its-clients/</loc>
		<lastmod>2015-12-21T13:07:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-22-retail-jobs-for-los-hiring-and-major-job-cuts-trid-hits-consumers-as-industry-cries-uncle-wells-chase-discuss-common-defects/</loc>
		<lastmod>2015-12-22T13:36:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-23-retail-u-s-renting-trends-helping-los-realtors-and-builders/</loc>
		<lastmod>2015-12-23T13:52:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-24-mi-still-deductible-inclinations-with-home-builders-trends-in-capital-markets/</loc>
		<lastmod>2015-12-24T13:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-26-note-on-the-current-state-of-the-residential-appraisal-biz-nifty-poem-about-financing-from-banks-non-banks/</loc>
		<lastmod>2015-12-26T14:11:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-28-svp-bus-development-position-conforming-conventional-lending-trends-and-expectations-for-2016/</loc>
		<lastmod>2015-12-28T13:08:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-29-retail-jobs-another-mbs-lawsuit-bank-m-trends-in-multi-family-rents-lending/</loc>
		<lastmod>2015-12-29T13:19:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-30-atlanta-re-event-trid-kickback-reasons-decembers-wave-of-cfpb-news-including-letter-meant-to-assuage-industrys-trid-fears/</loc>
		<lastmod>2015-12-30T13:20:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/dec-31-bank-m-pending-home-sales-primer-lenders-forms-keep-changing-who-can-keep-track/</loc>
		<lastmod>2015-12-31T13:39:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-2-2016-know-before-you-owe-continues-to-attract-critical-comments-more-thoughts-on-the-appraisal-industry/</loc>
		<lastmod>2016-01-02T12:51:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-4-se-retail-jobs-upcoming-events-investor-disaster-news-mbs-trends/</loc>
		<lastmod>2016-01-04T13:14:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-5-ops-retail-and-bus-dev-jobs-finance-of-america-cuts-correspondent-quicken-loans-legal-setback-fha-va-updates-dont-stop/</loc>
		<lastmod>2016-01-05T13:27:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-6-mi-lock-desk-chat-room-fannie-positive-millennial-trends-for-lenders-chase-settlement/</loc>
		<lastmod>2016-01-06T12:27:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-7-retail-jobs-from-coast-to-coast-walters-ditech-exits-retail-free-post-trid-webinar-hmda-white-paper/</loc>
		<lastmod>2016-01-07T13:41:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-8-co-op-news-trends-in-2nd-mortgages-more-disaster-lender-news-loan-sellers-beware/</loc>
		<lastmod>2016-01-08T13:45:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-9-notes-on-borrower-education-can-brokers-comply-with-le-regulations/</loc>
		<lastmod>2016-01-09T13:14:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-11-retail-upcoming-events-of-note-ocwen-update-push-for-private-label-securities/</loc>
		<lastmod>2016-01-11T13:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-12-correspondent-retail-and-ops-jobs-trends-in-documentation-requirements-and-credit-scores-what-is-hr-4211/</loc>
		<lastmod>2016-01-12T12:08:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-13-retail-cfpb-on-construction-loans-training-events-fhlb-mreit-news/</loc>
		<lastmod>2016-01-13T13:32:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-14-various-sales-lender-drops-fico-from-lending-decisions-stearns-trid-defects/</loc>
		<lastmod>2016-01-14T13:54:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-15-ae-jobs-using-hmda-as-a-business-tool-more-events-goldman-settlement-lehman-and-state-legal-updates/</loc>
		<lastmod>2016-01-15T13:47:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-16-letters-about-trid-pros-and-cons-are-builder-incentives-a-respa-violation/</loc>
		<lastmod>2016-01-16T11:08:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-18-mi-ops-wholesale-jobs-more-trid-loan-rejection-reasons-bankunited-withdraws-from-retail-lending-because/</loc>
		<lastmod>2016-01-18T12:26:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-19-servicing-recruiting-tool-trends-in-servicing-transfers-goldman-layoffs/</loc>
		<lastmod>2016-01-19T13:20:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-20-corres-subservicer-reviews-qc-contest-big-bank-mortgage-stats-guide-for-online-business-activities/</loc>
		<lastmod>2016-01-20T14:01:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-21-mi-phh-ocwen-settlement-redwood-shutters-portion-of-conventional-conforming-biz/</loc>
		<lastmod>2016-01-21T13:38:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-22-capital-markets-reverse-mortgage-news-trends-gosh-how-many-people-turn-62-every-day/</loc>
		<lastmod>2016-01-22T12:32:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-23-notes-on-cyber-attacks-getting-through-trid-compliance-reviews-construction-to-perm-and-the-future-of-mreits/</loc>
		<lastmod>2016-01-23T13:40:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-25-retail-lots-of-upcoming-events-cfpb-mgic-earnings-ug-to-be-sold-risk-swapping-primer/</loc>
		<lastmod>2016-01-25T13:06:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-26-jobs-in-sales-sales-mgt-chase-settlements-senior-personnel-changes-lender-bank-ma-stats-and-what-is-working/</loc>
		<lastmod>2016-01-26T13:00:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-27-sales-more-personnel-changes-subservicer-review-new-mortgage-products-more-on-risk-sharing/</loc>
		<lastmod>2016-01-27T12:21:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-28-retail-recruiting-tool-rent-trends-originator-survey/</loc>
		<lastmod>2016-01-28T13:43:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-29-ops-jobs-change-in-views-on-credit-hsbc-wacs-servicing-deal/</loc>
		<lastmod>2016-01-29T13:39:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/jan-30-why-the-10-yr-t-note-is-relevant-qrm-reits-setback-managing-borrower-complaints-and-a-correspondents-view-of-trid-rollout/</loc>
		<lastmod>2016-01-30T13:29:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-1-ops-jobs-appraisal-company-news-events-fdic-enforcement-actions-fha-va-changes-ginnie-issuance/</loc>
		<lastmod>2016-02-01T13:21:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-2-retail-comp-survey-mi-company-direction-disaster-policy-updates-appraisal-collateral-trends/</loc>
		<lastmod>2016-02-02T10:22:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-3-nationwide-retail-jobs-fannie-settlements-lawsuits-will-the-cfpb-settle-discrimination-suit/</loc>
		<lastmod>2016-02-03T13:18:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-4-retail-borrower-satisfaction-report-bank-m-data-breach-responses/</loc>
		<lastmod>2016-02-04T13:44:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-5-retail-discontinued-program-lender-fees-going-up-non-agencyjumbo-program-trends/</loc>
		<lastmod>2016-02-05T13:44:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-6-letters-on-lender-expectations-for-2016-appraisers-trended-credit-data-tarp-update-and-atr/</loc>
		<lastmod>2016-02-06T12:53:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-8-retail-lots-of-attention-on-new-lehman-brothers-lawsuit-lenders-super-bowl-ad-results/</loc>
		<lastmod>2016-02-08T12:02:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-9-encompass-cd-and-ops-jobs-personnel-changes-proliferate-training-ops-vp-weighs-in-on-trid/</loc>
		<lastmod>2016-02-09T12:35:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-10-retail-wells-layoffs-more-on-trid-redwood-cuts-commercial-program/</loc>
		<lastmod>2016-02-10T13:41:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-11-retail-blackstone-expands-basels-impact-on-our-banks-vendor-management-good-bad-news-about-rates/</loc>
		<lastmod>2016-02-11T13:37:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-12-sales-jobs-warehouse-bank-expanding-morgan-stanley-settles-the-importance-of-water-in-lending-home-ownership/</loc>
		<lastmod>2016-02-12T13:54:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-13-mismo-primer-pre-approval-letters-in-a-trid-world-handling-diff-comp-plans-with-different-lenders-book-for-los/</loc>
		<lastmod>2016-02-13T12:33:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-16-servicing-job-non-qm-training-trading-on-the-phone-and-who-has-the-safest-mbs/</loc>
		<lastmod>2016-02-16T13:45:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-17-interim-cfo-underwriting-recruiting-webinar-trends-in-fha-va-and-ginnie-issuance/</loc>
		<lastmod>2016-02-17T13:42:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-19-lo-sales-and-secondary-jobs-trid-survey-cfpb-addresses-financial-innovation-is-being-a-primary-dealer-still-hot-stuff/</loc>
		<lastmod>2016-02-19T13:42:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-20-trid-pains-and-calyxs-take-on-the-situation-difference-in-how-banks-and-independent-mbs-are-expanding/</loc>
		<lastmod>2016-02-20T13:01:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-22-retail-opportunities-coast-to-coast-legal-news-impacting-lenders-capital-markets-and-not-in-a-good-way/</loc>
		<lastmod>2016-02-22T12:21:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-23-wholesale-training-inc-one-on-small-business-lending-conventional-conforming-news-uw-changes/</loc>
		<lastmod>2016-02-23T11:42:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-24-sales-ex-cfpb-counsel-heads-to-goldman-for-lending-job-google-changes-mortgage-tack/</loc>
		<lastmod>2016-02-24T12:17:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-25-retail-commercial-lending-restricting-multi-family-news-and-rent-trends-that-aid-lenders/</loc>
		<lastmod>2016-02-25T13:40:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-26-warehouse-hr-2121-a-big-bill-for-lenders-and-licensing-news-from-around-the-nation/</loc>
		<lastmod>2016-02-26T13:55:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-27-information-on-originator-licensing-applicationslescds-and-brokers-and-early-payoff-penalties/</loc>
		<lastmod>2016-02-27T13:38:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/feb-29-wholesale-jobs-upcoming-events-of-note-a-primer-on-mortgage-insurance-and-what-mi-folks-are-doing/</loc>
		<lastmod>2016-02-29T12:52:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-1-retail-trid-survey-fee-structure-changes-trends-in-va-lending-lender-requirements/</loc>
		<lastmod>2016-03-01T12:44:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-2-calyx-mgic-and-sales-mgt-jobs-redlining-case-settled-bank-ma-trends-what-works-what-doesnt/</loc>
		<lastmod>2016-03-02T10:59:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-3-mi-bofa-layoffs-update-on-lo-licensing-bill-improving-non-agency-mbs-transparency/</loc>
		<lastmod>2016-03-03T13:43:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-4-qc-lowering-whistleblower-odds-the-cost-of-regulation-ocwen-what-is-section-342/</loc>
		<lastmod>2016-03-04T13:44:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-5-can-a-realtor-own-a-lender-trid-costs-cybersecurity-what-regulators-expect-and-a-cfpb-penalty/</loc>
		<lastmod>2016-03-06T10:21:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-7-it-upcoming-events-inc-mfg-housing-webinar-new-products-vendor-updates/</loc>
		<lastmod>2016-03-07T12:22:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-8-retail-appraiser-comp-survey-says-what-about-lo-base-pay/</loc>
		<lastmod>2016-03-09T09:40:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-9-ops-cfpb-invites-complaints-about-new-set-of-lenders-compliance-issues-hit-capital-markets/</loc>
		<lastmod>2016-03-09T12:19:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-10-mortgage-jobs-sofi-starts-hedge-fund-wells-changes-appraisal-policy-where-does-penalty-money-go/</loc>
		<lastmod>2016-03-10T10:25:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-11-retail-jobs-fannie-freddie-conventional-conforming-updates-from-sea-to-shining-sea/</loc>
		<lastmod>2016-03-11T10:39:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-12-letters-about-the-cost-of-trid-on-lenders-and-consumers-the-fhlbs-impact-on-capital-markets/</loc>
		<lastmod>2016-03-12T10:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-14-retail-wholesale-compliance-jobs-upcoming-events-usda-changes-and-ag-land-values-impact-on-lenders/</loc>
		<lastmod>2016-03-14T10:30:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-15-sales-jobs-survey-for-gals-informational-events-w-j-bradley-says-no-mas/</loc>
		<lastmod>2016-03-15T21:22:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-16-it-jobs-new-correspondent-program-jumbo-channel-changes-it-risk-chatter/</loc>
		<lastmod>2016-03-17T17:49:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-17-retail-primary-marketprogram-changes-will-temporary-buydowns-be-mainstream-again/</loc>
		<lastmod>2016-03-17T17:51:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-18-retail-millennials-how-every-lender-is-being-helped-by-rent-household-formation-trends/</loc>
		<lastmod>2016-03-18T11:37:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-19-notes-on-appraiser-pay-wj-bradleys-mismanagement-exit-and-a-stinging-rebuttal-to-cordrays-logic-for-enforcement-actions/</loc>
		<lastmod>2016-03-18T22:17:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-21-technical-job-opportunity-training-the-impact-of-trid-debated-within-the-industry/</loc>
		<lastmod>2016-03-21T11:48:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-22-sales-fha-trends-bank-m-lo-comp-shifting-away-from-volume/</loc>
		<lastmod>2016-03-22T11:02:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-23-ops-retail-titan-acquired-phh-rumors-set-straight-trended-credit-data-gains-momentum/</loc>
		<lastmod>2016-03-23T11:04:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-24-retail-jobs-trends-in-private-mortgage-insurance-disaster-policy-updates-why-borrower-early-payoffs-matter/</loc>
		<lastmod>2016-03-24T11:17:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-25-retail-jobs-arm-update-trid-primer-on-negative-interest-rates/</loc>
		<lastmod>2016-03-25T12:17:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-26-note-on-a-false-claims-resource-center-cyber-challenge-fdic-site-plenty-of-blame-to-go-around-for-the-housing-crisis/</loc>
		<lastmod>2016-03-26T11:46:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-28-it-analyst-retail-jobs-immigration-labor-lot-availability-other-trends-impacting-builders/</loc>
		<lastmod>2016-03-28T12:59:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-29-retail-jobs-redwood-trust-prosper-news-ohios-take-on-minimum-wage-for-sales-personnel-cfpb-webinar-on-trid/</loc>
		<lastmod>2016-03-29T11:21:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-30-sales-small-balance-commercial-webinar-the-cost-of-trid-from-stratmor-its-impact-on-appraisers/</loc>
		<lastmod>2016-03-30T12:30:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/mar-31-servicing-companies-expanding-bank-failure-stats-improving-banks-easing-credit/</loc>
		<lastmod>2016-03-31T12:54:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-1-cfpb-goes-after-layaway-plans-lo-comp-experiment-florida-lender-addresses-regulatory-burden/</loc>
		<lastmod>2016-04-01T12:42:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-2-trid-question-from-brokers-the-industrys-role-of-morpac-primer-in-mbs-prices-the-10-year-and-borrowers-rates-cool-bald-eagle-cam/</loc>
		<lastmod>2016-04-02T12:21:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-4-compliance-correspondent-tech-conference-new-products-vendor-news-los-satisfaction-survey-results/</loc>
		<lastmod>2016-04-04T12:29:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-5-servicing-retail-and-encompass-jobs-changes-at-kinecta-freedom-student-debt-developments-mbs-supply-estimates/</loc>
		<lastmod>2016-04-05T13:11:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-6-cio-lending-real-estate-market-in-the-west-is-on-fire-and-spreading-town-for-sale-in-nevada/</loc>
		<lastmod>2016-04-06T12:32:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-7-secondary-job-new-condo-product-consumer-direct-workshop-disaster-updates-why-some-mergers-fail/</loc>
		<lastmod>2016-04-07T12:36:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-8-ops-proposed-actual-conventional-conforming-changes-are-everywhere/</loc>
		<lastmod>2016-04-08T12:50:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-9-capital-markets-notes-on-pricing-hedging-investor-behavior-selling-tips-etc-is-real-time-data-necessary/</loc>
		<lastmod>2016-04-09T13:24:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-11-correspondent-jobs-private-mortgage-insurance-updates-fhava-changes-lenders-should-pay-attention-to-wells-settlement/</loc>
		<lastmod>2016-04-11T12:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-12-ops-upcoming-free-events-phh-mreit-acquisition-goldman-settlement-new-products/</loc>
		<lastmod>2016-04-12T11:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-13-ops-the-cfpb-ex-cfpb-enforcement-attorneys-take-on-phhcfpb-day-1-of-hearing-an-eye-opener/</loc>
		<lastmod>2016-04-13T12:36:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-14-ops-primelending-bank-mergers-vendor-phhcfpb-battle-will-be-a-long-process/</loc>
		<lastmod>2016-04-14T12:45:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-15-secondary-job-interesting-webinars-next-week-conformingconventional-related-mi-changes-keep-coming/</loc>
		<lastmod>2016-04-15T12:31:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-16-note-on-trends-in-capital-markets-successful-cra-lending-and-the-dojfreedom-mortgage-settlement/</loc>
		<lastmod>2016-04-16T12:58:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-18-wholesale-opportunities-freedoms-statement-on-settlement-what-big-bank-earnings-tell-us-about-residential-lending-environment/</loc>
		<lastmod>2016-04-18T12:45:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-19-wholesale-free-webinars-lender-investor-changes-in-lock-pricing-policies-condo-guidelines-and-usdarural-programs/</loc>
		<lastmod>2016-04-19T12:39:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/420-ops-millennial-webinar-housing-starts-building-permits-ugh/</loc>
		<lastmod>2016-04-20T12:29:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-21-wholesale-retail-lo-survey-subservicer-reviews-florida-los-know-the-homestead-rules-jumbo-delegated-programs-sure/</loc>
		<lastmod>2016-04-21T12:53:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-22-retail-wholesale-and-correspondent-jobs-private-mi-biz-attracting-attention-press-regulators-hit-start-ups-fintech-lenders/</loc>
		<lastmod>2016-04-22T12:44:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-23-letters-on-helping-borrowers-under-trid-capital-markets-execution-early-payoffs-vs-mlo-compensation-rules/</loc>
		<lastmod>2016-04-23T11:42:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-25-sales-opportunities-hud-trends-in-equity-rent-and-where-people-in-their-20s-and-30s-are-buying-homes/</loc>
		<lastmod>2016-04-25T11:08:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-26-retail-dtc-upcoming-training-changes-in-4506-t-requirements-and-in-credit-trends/</loc>
		<lastmod>2016-04-26T10:21:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-27-product-specialist-new-home-sales-trends-primary-secondary-markets-impacted-by-changes-in-hud-lender-fha-programs/</loc>
		<lastmod>2016-04-27T11:18:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-28-sales-mgt-construction-warehouse-opportunity-new-vendor-management-product-primer-on-case-shiller-calculation-trends/</loc>
		<lastmod>2016-04-28T12:38:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-29-ops-mi-cfpb-offers-plans-for-trid-plans-interesting-upcoming-events-learn-about-jobs-whos-afraid-of-hmda/</loc>
		<lastmod>2016-04-29T12:39:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/apr-30-letters-on-non-qm-trends-lo-accountability-foreign-national-programs-and-the-governments-role-in-personal-financial-decisions/</loc>
		<lastmod>2016-04-30T11:35:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-2-retail-lo-referral-training-cfpb-addresses-bankruptcy-what-mi-company-earnings-tell-us-will-arch-buy-a-competitor/</loc>
		<lastmod>2016-05-02T10:34:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-3-wholesale-upcoming-events-around-the-nation-sofis-capital-raise-a-glance-at-millennials-in-the-uk-parents-are-a-top-10-lender/</loc>
		<lastmod>2016-05-03T10:21:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-4-retail-new-commercial-bank-numbers-falling-ma-role-in-jumbo-biz-and-another-purchased-by-a-credit-union/</loc>
		<lastmod>2016-05-04T12:45:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-5-ae-retail-acquisition-flood-insurance-update-whats-new-with-fannie-freddie/</loc>
		<lastmod>2016-05-05T12:56:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-6-correspondent-renovation-loans-blackstone-expands-in-dealer-biz-phh-bails-on-correspondent-channel-more-mortgage-earnings-new-mi-player/</loc>
		<lastmod>2016-05-06T12:55:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-7-note-on-why-millennials-need-los-cyber-security-is-more-than-not-posting-your-password-on-a-sticky-note-what-are-your-vendors-doing-about-it/</loc>
		<lastmod>2016-05-07T11:28:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-9-ops-lending-club-ceo-resigns-upcoming-webinars-usda-rural-developments-mortgage-credit-less-available/</loc>
		<lastmod>2016-05-09T12:35:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-10-wholesale-group-up-for-grabs-retail-jobs-renovation-lender-stock-prices-being-slaughtered-wheres-your-401k/</loc>
		<lastmod>2016-05-10T11:12:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-11-sales-management-and-ops-jobs-coast-to-coast-ditech-layoffs-stonegate-earnings-documentation-requirements-continue-to-change/</loc>
		<lastmod>2016-05-11T12:54:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-12-retail-ops-and-correspondent-jobs-bank-m-the-market-for-servicing-who-is-buying-what-from-who-may-be-a-surprise/</loc>
		<lastmod>2016-05-12T13:10:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-13-lo-management-and-vendor-opportunities-more-on-servicing-blackstone-cerberus-pulling-back-in-residential-lending-hmmm/</loc>
		<lastmod>2016-05-13T12:44:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-14-office-supplies-lending-the-up-down-trend-of-existing-home-sales-a-primer-inventory-affordability-still-major-issues/</loc>
		<lastmod>2016-05-14T12:37:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-16-vp-cfo-management-jobs-another-dojfalse-claims-settlement-conventional-conforming-program-changes-dont-stop/</loc>
		<lastmod>2016-05-16T10:14:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-17-retail-wholesale-and-large-scale-business-opportunities-los-survey-servicing-whos-buying-what-and-how/</loc>
		<lastmod>2016-05-17T11:47:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-18-wholesale-company-for-sale-hsbc-job-cuts-fha-va-program-lender-changes/</loc>
		<lastmod>2016-05-18T11:08:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-19-wholesale-personnel-news-another-lender-purchased-m-dont-fight-the-fed/</loc>
		<lastmod>2016-05-19T12:40:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-20-retail-expansion-new-voe-product-mi-industry-gossip-a-hud-settlement-doj-goes-after-guild-mortgage-guilds-response/</loc>
		<lastmod>2016-05-20T12:23:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-21-note-on-the-value-of-servicing-cyber-crime-risk-1-for-financial-companies-should-going-public-be-a-goal-for-every-lender/</loc>
		<lastmod>2016-05-21T12:26:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-23-sales-management-support-jobs-upcoming-training-sessions-hr-2121-up-for-vote-freddies-new-security-fannies-new-board-member/</loc>
		<lastmod>2016-05-23T12:42:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-24-retail-vendor-management-webinar-setback-for-doj-in-bofa-case-trids-impact-in-capital-markets-are-the-mbs-markets-liquid/</loc>
		<lastmod>2016-05-24T11:29:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-25-retail-jobs-lo-survey-opens-up-section-342-omwi-why-lenders-should-be-aware-of-it/</loc>
		<lastmod>2016-05-25T12:43:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-26-it-m-advertising-compliance-article-new-jumbo-chase-wells-roll-out-low-down-payment-programs/</loc>
		<lastmod>2016-05-26T12:41:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-27-retail-cfpb-goes-after-individual-lo-the-cost-of-regulation-on-the-price-of-a-new-home-trid-costs-continue/</loc>
		<lastmod>2016-05-27T12:41:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-28-letters-on-negative-interest-rates-los-respa-violations-right-of-rescission-and-down-payment-assistance-programs/</loc>
		<lastmod>2016-05-28T12:28:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/may-31-retail-jobs-new-credit-union-channel-approaching-events-new-proposed-fha-va-changes-hecms-in-the-news/</loc>
		<lastmod>2016-05-31T12:47:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-1-retail-management-and-ops-jobs-first-mortgage-settles-bank-manager-sentenced-non-qm-product-updates-state-news-concern-in-new-york/</loc>
		<lastmod>2016-06-01T12:48:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-2-retail-ops-personnel-news-non-qm-survey-the-rise-of-the-technology-vendor-updates-abound/</loc>
		<lastmod>2016-06-02T12:43:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-3-management-personnel-moves-cfpbs-payday-proposals-might-mean-for-residential-biz-alternatives-springing-up/</loc>
		<lastmod>2016-06-03T12:42:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-4-free-book-on-cyber-security-letter-on-the-crisis-millennials-student-debts-impact-on-home-ownership-housing-trends-and-vice-versa/</loc>
		<lastmod>2016-06-04T12:07:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-6-sales-management-tarp-update-sec-investigating-deutsche-bank-fdic-settles-arizona-attorney-pleads-guilty-to-mortgage-fraud/</loc>
		<lastmod>2016-06-06T12:37:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-7-lenders-hiring-dtc-chief-ops-producers-banks-new-non-qm-entrant-upcoming-webinars/</loc>
		<lastmod>2016-06-07T12:41:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-8-retail-wholesale-ops-jobs-personnel-moves-free-webinars-on-wide-range-of-topics-changes-to-freddie-and-fannie-coming-up/</loc>
		<lastmod>2016-06-08T12:16:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-9-sales-jobs-appraisal-survey-opportunity-cfpbs-updates-hmda-data-in-latest-agreement-what-it-means-example-of-non-atr-loan/</loc>
		<lastmod>2016-06-09T12:41:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-10-wholesale-ops-and-sales-management-jobs-what-if-no-one-wants-to-service-more-loans-and-the-impact-on-consumers/</loc>
		<lastmod>2016-06-10T12:29:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-11-letters-notes-on-password-protection-mechanics-liens-and-the-current-state-of-the-appraisal-business/</loc>
		<lastmod>2016-06-11T12:47:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-13-wholesale-usda-program-improving-pricing-oil-world-rates-continue-lower/</loc>
		<lastmod>2016-06-13T11:23:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-14-ae-german-rates-go-negative-credit-scoring-trends-du-10-0-trended-data-release-delayed/</loc>
		<lastmod>2016-06-14T12:41:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-15-jobs-job-fairs-interesting-events-servicing-values-impacting-borrowers-rates-lender-pls/</loc>
		<lastmod>2016-06-15T12:37:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-16-retail-nationstar-adds-50-billion-in-servicing-does-it-make-money/</loc>
		<lastmod>2016-06-16T12:59:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-17-operations-jobs-legal-landscape-continues-to-change-as-does-whole-loan-trading-methods-optimal-blue-and-mers-sold/</loc>
		<lastmod>2016-06-17T13:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-18-notes-on-a-new-1003-lo-signing-bonuses-the-appraisal-biz-servicer-costs-tracking-security-issuance-a-little-fathers-day-humor/</loc>
		<lastmod>2016-06-18T12:49:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-20-wholesale-and-lo-jobs-new-redwood-trust-product-cfpb-fha-brexit-primer/</loc>
		<lastmod>2016-06-20T12:16:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-21-wholesale-new-du-date-set-48-hours-to-brexitbremain-vote-traders-prepare-news-on-1003/</loc>
		<lastmod>2016-06-21T11:14:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-22-sales-training-inc-e-signature-verification-webinar-commercial-multi-family-market-growing-weary/</loc>
		<lastmod>2016-06-22T11:44:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-23-underwriter-and-recruiter-offerings-lender-mi-and-bank-strategic-alliances-structural-price-changes-impacting-borrowers/</loc>
		<lastmod>2016-06-23T12:44:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-24-compliance-ny-servicers-dealt-blow-brexit-lock-renegotiations-margin-calls/</loc>
		<lastmod>2016-06-24T12:46:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-25-from-secretaries-to-ceos-ignoring-cyber-crime-is-a-mistake-future-goals-for-the-capital-markets-to-keep-in-mind/</loc>
		<lastmod>2016-06-25T11:49:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-27-risk-wholesale-retail-and-corres-jobs-ginnie-issuance-passes-freddie-tila-dollar-amounts-bank-supervision-economics-study/</loc>
		<lastmod>2016-06-27T12:40:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-28-recruiter-underwriter-and-marketing-jobs-our-economy-during-election-years-investor-disaster-appraisal-updates/</loc>
		<lastmod>2016-06-28T12:46:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-29-management-call-center-jobs-new-products-free-training-across-the-nation-fhlbs-enlist-in-mpf-for-ginnies/</loc>
		<lastmod>2016-06-29T12:42:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/june-30-mi-banking-stress-tests-irs-extends-deadline-austin-sf-job-market-stats/</loc>
		<lastmod>2016-06-30T12:42:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-1-broker-product-freddie-fannie-conventional-conforming-developments-private-mi-changes/</loc>
		<lastmod>2016-07-01T11:37:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-5-sales-widespread-primary-market-fha-va-usda-changes-and-their-potential-impact-in-the-secondary-markets/</loc>
		<lastmod>2016-07-05T12:30:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-6-reverse-mortgage-jobs-personnel-moves-job-events-lo-survey-results-webinars-new-compliance-group-advertising-compliance-piece/</loc>
		<lastmod>2016-07-06T17:14:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-7-mi-correspondent-millennials-rent-levels-demographics-vs-credit-scores-and-lack-of-starter-homes/</loc>
		<lastmod>2016-07-07T12:36:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-8-ops-naf-moves-out-of-wholesale-blackstone-starts-to-sell-state-lending-news-from-coast-to-coast/</loc>
		<lastmod>2016-07-08T12:52:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-9-notes-on-non-qm-lending-the-new-1003-the-uks-exit-will-take-several-years-why-mortgages-arent-tagging-along-yet/</loc>
		<lastmod>2016-07-09T12:07:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-12-correspondent-wholesale-dtc-and-mi-jobs-bofa-layoffs-fannie-freddie-changes-in-the-primary-secondary-markets/</loc>
		<lastmod>2016-07-12T12:43:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-13-ae-measuring-borrower-satisfaction-changes-in-credit-scores-impacting-lending/</loc>
		<lastmod>2016-07-13T12:43:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-14-ops-mi-and-ae-jobs-bank-news-at-these-rates-just-how-many-refis-are-there-out-there/</loc>
		<lastmod>2016-07-14T12:52:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-15-retail-cfo-and-ops-jobs-hmda-los-survey-house-price-ownership-trends/</loc>
		<lastmod>2016-07-15T12:40:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-16-notes-on-the-future-of-the-fha-fair-value-accounting-on-pipelines-broker-comp-changes-after-the-le-is-provided/</loc>
		<lastmod>2016-07-16T11:35:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-18-ae-a-primer-on-the-false-claims-act-fha-wells-agencies-and-mi-companies-fight-over-high-ltv-ground/</loc>
		<lastmod>2016-07-18T12:45:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-19-ops-retail-vendor-updates-events-secondary-marketing-activity-of-note-picking-up/</loc>
		<lastmod>2016-07-19T12:40:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-20-bus-development-wholesale-and-ops-jobs-new-products-including-le-tool-document-mgt-fhapace-redwoods-2-5-million-sfh/</loc>
		<lastmod>2016-07-20T12:12:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-21-retail-management-call-center-jobs-cfpb-credit-unions-research-conference-hmda-privacy-webinar-and-youtube-video/</loc>
		<lastmod>2016-07-21T12:48:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-22-software-trends-in-building-lending-owning-less-expensive-than-renting-in-how-many-states/</loc>
		<lastmod>2016-07-22T12:34:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-23-notes-on-current-legislation-retail-vs-wholesale-pricing-differences-and-appraisal-trends-helping-lenders-borrowers/</loc>
		<lastmod>2016-07-23T12:28:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-25-ops-jobs-new-non-qm-fannie-freddie-lender-conv-conforming-updates-are-ceaseless/</loc>
		<lastmod>2016-07-25T12:11:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-26-retail-personnel-moves-fha-va-irs-upcoming-training-events/</loc>
		<lastmod>2016-07-26T12:15:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-27-ops-respa-small-lender-purchased-challenges-for-first-time-buyers/</loc>
		<lastmod>2016-07-27T12:37:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-28-retail-everbank-on-the-block-first-time-buyer-survey-servicing-market-troubles-hit-borrowers-rates-why/</loc>
		<lastmod>2016-07-28T12:40:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-29-mi-fannie-jumbo-market-altering-and-not-for-the-better/</loc>
		<lastmod>2016-07-29T12:40:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/july-30-notes-on-hr-2121-the-importance-of-mismo-and-cybercrime-what-is-the-darknet/</loc>
		<lastmod>2016-07-30T11:29:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-1-capital-markets-job-new-sub-servicer-book-for-brokers-cfpb-small-loan-appraisals-construction-loans-daps-and-lots-more/</loc>
		<lastmod>2016-08-01T12:23:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-2-mi-job-sub-servicer-news-candidate-looking-upcoming-training-inc-emortgage-legal-update-state-level-changes/</loc>
		<lastmod>2016-08-02T09:42:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-3-mi-ae-and-ops-jobs-more-on-residential-regulator-group-be-aware-of-money-laundering-builder-trends/</loc>
		<lastmod>2016-08-03T12:26:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-4-co-marketing-upcoming-events-another-correspondent-bails-everbank-buyer-bank-ma-basel-4-on-the-way/</loc>
		<lastmod>2016-08-04T12:50:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-5-retail-jobs-from-east-to-west-private-mortgage-insurance-company-results-news-a-solid-2nd-quarter/</loc>
		<lastmod>2016-08-05T12:50:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-6-vps-on-housing-notes-on-reg-z-alternative-to-plywood-for-vacant-buildings-barclays-moves-to-voice-recognition/</loc>
		<lastmod>2016-08-06T12:09:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-8-ae-compliance-dtc-jobs-mixed-lender-earnings-900-pages-of-revised-servicing-rules-fdics-tpo-guidance-who-can-keep-up/</loc>
		<lastmod>2016-08-08T12:29:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-9-sales-ops-it-everbank-deal-inked-walter-sells-servicing-experts-weigh-in-on-riled-servicing-market/</loc>
		<lastmod>2016-08-09T12:38:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-10-sales-ops-business-dev-jobs-upcoming-webinars-primer-on-servicing-economics-impact-of-negative-rates/</loc>
		<lastmod>2016-08-10T12:05:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-11-ops-jobs-coast-to-coast-top-lo-productivity-study-state-news-primer-on-securitization-ginnie-sets-record/</loc>
		<lastmod>2016-08-11T12:41:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-12-new-broker-product-ca-marijuana-vote-attracting-lender-notice-credit-unions-mortgage-biz-growing-like-a-weed/</loc>
		<lastmod>2016-08-12T12:39:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-13-primer-on-funding-for-daps-more-h-r-2121-back-marketplace-lending-one-size-doesnt-fit-all/</loc>
		<lastmod>2016-08-13T11:30:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-15-cfo-job-verifying-irs-transcripts-other-vendor-news-vendor-management-is-a-full-time-job/</loc>
		<lastmod>2016-08-15T12:43:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-16-ops-lo-lender-price-changes-upcoming-events-inc-a-couple-today-implications-of-ug-arch-deal/</loc>
		<lastmod>2016-08-16T12:40:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-17-retail-wholesale-hoa-mi-working-with-hispanic-clients/</loc>
		<lastmod>2016-08-17T12:17:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-18-ae-jumbo-mortgage-trends-the-declining-middle-class-billionaires-cash-reserves/</loc>
		<lastmod>2016-08-18T12:39:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-19-capital-markets-some-state-residential-regulation-changes-rural-housing-lender-trends/</loc>
		<lastmod>2016-08-19T12:07:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-20-a-wire-transfer-scam-example-more-notes-on-pros-hoa-super-lien-status-clarification/</loc>
		<lastmod>2016-08-20T11:17:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-22-ae-only-3-new-banks-in-7-years-servicing-packages-emortgage-status-at-lenders-agencies-catch-the-wave/</loc>
		<lastmod>2016-08-22T12:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-23-coo-job-6-million-reverse-program-new-underwriter-compensation-study/</loc>
		<lastmod>2016-08-23T12:38:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-24-wholesale-new-fema-proposal-random-sample-of-disaster-policies-from-lenders/</loc>
		<lastmod>2016-08-24T12:44:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-25-correspondent-ae-management-jobs-appraisal-jobs-fannie-freddie-never-a-quiet-moment/</loc>
		<lastmod>2016-08-25T12:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-26-mi-lo-appraisal-survey-harp-extended-and-continued-conventional-conforming-changes/</loc>
		<lastmod>2016-08-26T12:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-27-notes-from-various-sources-on-avoiding-fraud-still-confusion-about-the-definition-of-application/</loc>
		<lastmod>2016-08-27T12:46:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/fw-aug-29-ae-bank-branch-trends-upcoming-events-hispanic-ownership-trends/</loc>
		<lastmod>2016-08-29T12:46:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-30-cfo-job-trends-in-fha-va-lending-agency-lender-changes-continue-a-note-on-improving-borrower-profiles/</loc>
		<lastmod>2016-08-30T11:26:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/aug-31-analyst-jobs-rebranding-and-recruiting-nice-trends-from-the-fhfas-price-figures-a-deep-dive/</loc>
		<lastmod>2016-08-31T12:57:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-1-interesting-sales-credit-unions-scooping-up-millennials/</loc>
		<lastmod>2016-09-01T12:40:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-2-m-changes-to-credit-underwriting-guidelines-how-much-average-debt-leverage-is-there/</loc>
		<lastmod>2016-09-02T12:46:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-3-appraisals-appraisers-is-the-process-the-stick-in-the-lenders-spokes-appraisers-take-on-things/</loc>
		<lastmod>2016-09-03T12:55:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-6-ops-tpo-management-job-upcoming-training-events-conv-conforming-news-emortgage-segment-updates/</loc>
		<lastmod>2016-09-06T12:00:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-7-retail-colorado-lender-profitability-figures-collateral-underwriting-changes/</loc>
		<lastmod>2016-09-07T12:39:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-8-hecm-secondary-marketing-sales-jobs-upcoming-training-compliance-risk-how-much-in-bank-fines/</loc>
		<lastmod>2016-09-08T11:58:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-9-head-of-production-ae-jobs-sofi-to-raise-money-wells-list-of-bank-regulators-makes-your-head-spin/</loc>
		<lastmod>2016-09-09T10:43:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-10-sorry-for-the-length-but-appraisals-are-a-heated-topic-impacting-consumers-and-appraisers-answer/</loc>
		<lastmod>2016-09-10T10:56:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-12-esop-ownership-retail-training-lenders-in-the-news-key-reason-for-lender-ma-is/</loc>
		<lastmod>2016-09-12T12:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-13-management-retail-commercial-implications-of-wells-penalty-fdic-tpo-lending/</loc>
		<lastmod>2016-09-13T11:26:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-14-mi-ops-m-vendor-updates-primer-on-angel-oaks-non-agency-deal/</loc>
		<lastmod>2016-09-14T12:38:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chrismancommentary.com/post/sep-15-qc-retail-wholesale-los-respa-and-phh-a-legal-take-cfpb-to-register-non-banks/</loc>
		<lastmod>2016-09-15T12:37:47+00:00</lastmod>
	</url>
</urlset>
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