12.1.25 December Storylines; United Home's Mike Dulla on Lending; Shaping Sentiment

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today’s episode, we discuss some large stories as the mortgage industry enters December. Plus, Robbie sits down with United Home Loans Mike Dulla for a discussion on borrower sentiment and winning business in the current rate environment, automation with “humans in the loop,” and where lender executives are focused. And we close by examining what is shaping sentiment post-Thanksgiving Holiday.Today's podcast is presented by Two Dots. Whether it’s applying to rent an apartment or take out a loan, today’s approval process is full of blind spots and inefficiencies. Critical data sits locked inside documents, leaving companies with an incomplete picture that causes delays, increased risk, and inconsistent decisions. Two Dots is building a better system. One where underwriting and screening is automated not manual. Where applications happen in real-time within a dynamic and contextual conversation. And where better decisions are made faster for everyone.