PODCAST · news
Chrisman Commentary - Daily Mortgage News
by Chrisman LLC
The Chrisman Commentary podcast provides daily insights into the mortgage industry, covering market trends, capital markets, and regulatory changes. Hosted by Robbie Chrisman, each episode delivers expert analysis and industry perspectives on the forces shaping housing finance. Whether it’s mortgage rates, lending news, or economic shifts, the podcast offers a clear, concise breakdown of the most important developments. More at www.chrismancommentary.com.
Episodes
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9.16.26 Tornado Alley; Lender Price's Maddi Sievers on Demos; Fed Decision Day
Genstar Capital and Aksia have made a strategic growth investment in Denver-based Richey May, providing capital to accelerate the accounting and advisory firm’s organic growth and M&A strategy while its management team and existing investor F3 Partners retain significant ownership. Robbie...
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9.15.26 Around the Industry; FirstClose’s Adam Nicholson on Cycle Times; Treasury Yield Patterns
Driven by near-year-high interest rates and a lack of borrower incentive, a broadening slowdown in MBA mortgage applications is being led by a sharp, government-borrower-led decline in refinance activity that could ultimately drag monthly gross MBS issuance below $100 billion by the end of the...
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9.14.26 Consumer Strength; mLoop's Ellen Duncan on LO Movement; Fed Week
Despite consumer challenges, housing demand remains resilient, with record homeowner equity and rapidly growing borrowing activity increasingly being captured by nonbanks, creating a widening competitive and operational gap for traditional banks and credit unions. Robbie interviews mLoop’s Ellen...
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9.11.26 Prepayment Speeds; Agile's Greg Vacura on TBA Trading; CPI Inflation
August prepayments strengthened the view that the 2026 refinance wave has peaked, with Fannie 30-year speeds falling 12 percent to 7.1 CPR and Ginnie II also slowing, leaving subdued near-term runoff and greater extension risk, while higher-coupon VA pools and recent Ginnie vintages remain the…
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9.10.26 Credit Score Models; UWM's Mat Ishbia on Growth Strategy; Treasury Technicals
Private mortgage insurers say they are operationally and financially prepared for the transition to VantageScore 4.0, but lenders will need to ensure their systems correctly identify and transmit the new credit-score model, while uncertainty around FHFA’s potential move away from tri-merge credit...
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9.9.26 Conforming Loan Limits; Curinos' Ken Flaherty and Rich Martin on Market Trends; Specified Payups
Rocket is again getting ahead of FHFA by raising conforming loan limits early, potentially to around $853,400, giving lenders a competitive opportunity to capture incremental agency volume and pull borrowers from jumbo financing while weighing the funding, hedging, and basis risk of holding those...
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9.8.26 Vantage Adoption; PCV Murcor's David Schiffmayer on UAD 3.6; CPI and PPI
FICO shares fell 17 percent after FHFA Director Bill Pulte immediately expanded mortgage-lender access to rival VantageScore, intensifying competition and raising concerns about FICO’s dominance and credit-bureau pricing. Robbie interviews PCV Murcor's David Schiffmayer on the significance of UAD...
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9.4.26 Aging Borrower Population; RETR’s Steven Wynands on Datasets; Payrolls Friday
The world is aging at an unprecedented pace, with the U.S. share of adults 65+ projected to rise from 18.9 percent in 2025 to 23.4 percent by 2060, signaling major long-term implications for lenders, investors, and retirement-focused financial markets. Robbie interviews RETR’s Steven Wynands on...
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9.3.26 Industry Tidbits; NRMLA's Steve Irwin on Reverse Mortgages; Bonds Quieting Down
Rocket Mortgage is aggressively targeting UWM brokers with its “Moving Squad” program and $10,000 referral bonuses amid RESPA compliance questions, while NEXA Lending expands through the acquisition of Mortgage Nerds and its VA-loan education mission. Robbie interviews NRMLA's Steve Irwin on the...
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9.2.26 Nuances of Affordability; Lender Toolkit's Brett Brumley on Technology; Rates Not Friendly
A global government-bond sell-off, fueled by heavy borrowing, widening deficits, persistent inflation, and surging corporate debt issuance tied to AI investment, is pushing bond yields and borrowing costs (including mortgages) higher across major economies. Robbie interviews Lender Toolkit’s…
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9.1.26 Fun With Numbers; Zillow's Meg McGrath Vaccaro on Origination at Search; MSR Historicals
As Q3 2026 progresses amid weak homebuying demand, stubborn rates, and roughly $11K origination costs, lenders are focused on improving pull-through while adapting their products, originator base, and investor strategies to shifting demographics, rental-market trends, and the growing share of...
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8.31.26 Fair Housing Update; Two Dots’ Henson Orser on Underwriting; Warsh's Birdsong
More than 100 community-based fair housing organizations facing potential funding cuts received a reprieve after a federal judge in Massachusetts blocked HUD’s FY2025 funding overhaul and ordered the agency to distribute funds under the prior year’s framework, averting the risk of closures or...
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8.28.26 Originators and Technology; Figure's Alysse Guitar on Marketing; Jackson Hole Symposium
Mortgage innovation should focus not on digitizing outdated workflows, but on rethinking the loan lifecycle around trusted data, intelligent decisioning, automation, governance, and better borrower experiences to improve risk management and decision-making. Robbie interviews Figure’s Alysse…
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8.27.26 Industry Calendar; MIAC's Dan Libby on MSR Analysis; Caution Abounds
The mortgage industry has a packed schedule of conferences and events from September 2026 through June 2027, covering lending, compliance, AI, technology, finance, and networking across the U.S., making early flight and travel planning essential as costs rise. Robbie interviews MIAC’s Dan Libby…
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8.26.26 Borrower Relationships; Experian’s Michele Bodda on Modern Scoring; Rate Pressures
The mortgage industry is increasingly recognizing that the homeowner relationship should extend well beyond origination, using servicing, home equity, insurance, partnerships, and other solutions to stay relevant to borrowers, creating lasting value across changing financial circumstances. Robbie...
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8.25.26 Wonders of Technology; Deluxe's Adria Liss on Home Buyer Protection; Long Bond Chatter
Technology is transforming industries while creating new risks around AI’s impact on education, liability, and accountability, leaving lenders to determine how best to use it to augment employees rather than replace them. Robbie interviews Deluxe’s Adria Liss on how the Homebuyers Privacy...
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8.24.26 DC Movers and Shakers; Tidalwave's Chris McLendon on Agentics; Treasury Intervention
Mortgage servicing can create significant wealth, so concentration risk matters, especially as sharp declines in Fannie Mae and Freddie Mac shares and leadership departures at Fannie raise concerns that political and organizational uncertainty could undermine the stability of the housing finance...
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8.21.26 Originators Helping Borrowers; NonQMVerifi’s Danny Flucke on Qualification; Pulling Bond Support
Prospective homebuyers should focus on what they can control: saving as much as possible for a down payment, distinguishing needs from wants, considering more affordable locations or compromises, and shopping multiple lenders to secure the lowest mortgage rate they qualify for. Robbie interviews...
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8.20.26 Follow the Money; Renovo Financial’s James Gaskin on Relationships; U.S. Security Demand
The broader “follow the money” theme is hard to ignore: U.S. national debt has surpassed $40 trillion while lawmakers are questioning whether a significantly downsized HUD has enough capacity to implement the new housing law, highlighting the growing gap between Washington’s ambitious policy…
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8.19.26 Loan Production Costs; Polly's Brandon Story on Capital Markets Tech; Long Bond Rising
Mortgage lenders continued their recovery in Q2 2026, with average production profits rising to $973 per loan and 85 percent of surveyed companies remaining profitable, driven primarily by meaningful reductions in production costs that more than offset declining revenue, while servicing income…
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8.18.26 Servicing Disasters; Yardi's Doug Ressler on Home Ownership Trends; Fed on Hold
Extreme weather patterns are increasingly shifting where property and insurance risks are concentrated, with drought worsening in the West and Midwest while tornado activity moves eastward into more populated states such as Illinois, raising damage and insurance costs and potentially reducing the...
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8.17.26 Escrows and Midterms; Bipartisan Policy Center’s Emma Waters on Housing Reform; Rate Review
The administration is advancing a wide range of controversial housing and credit proposals while Congress has largely shifted to campaigning, leaving federal agencies with the difficult task of implementing the bipartisan housing-supply law and navigating legal challenges to new rules such as the...
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8.14.26 Wages Versus Inflation; UpPayment recipient Tiffany Bauldwin on Home Ownership; Treasury Demand
Homeownership remains fundamentally tied to stable employment and household cash flow, yet with prices up 23 percent versus 22 percent wage growth since 2021, many households are losing purchasing power despite higher nominal incomes, underscoring the importance for lenders of disciplined vendor...
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8.13.26 Home Affordability; Hometap's Jeff Glass on Home Equity; Specified Pool Execution
Mortgage secondary execution is increasingly a value-optimization exercise rather than a simple Agency versus non-Agency decision, as growing non-Agency investor demand can make private execution more attractive even for loans that qualify for Agency delivery, while expanding non-QM demand…
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8.12.26 Non Agency Production; Angel Oak's Tom Hutchens on Non QM; Technology and Information Intersection
The rise of non-Agency and equity lending reflects a fundamental shift in the borrower and economic landscape: record home equity, widespread sub-5 percent mortgage rates and the lock-in effect, high consumer debt, and a growing number of mortgage-free homeowners are driving demand for equity...
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8.11.26 Conference Chatter; Redwerk's Konstantin Klyagin on AI Governance; Bond Directionality
There's a widening divide among mortgage lenders as higher rates and a purchase-driven market reward strategic flexibility. Robbie interviews Redwerk's Konstantin Klyagin on how AI in mortgage lending must be governed as an entire decision-making system, requiring rigorous testing of data,...
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8.10.26 Earnings Season; CMBA's Paul Gigliotti on Advocacy; Spreads and Gains
Second-quarter mortgage earnings highlighted a widening divide between lenders adapting to a prolonged purchase-driven, higher-rate market, and those struggling with weaker volumes and profitability, reinforcing that the winners will ultimately be the companies that preserve the greatest…
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8.7.26 AI Fears; Wilqo’s Tiffany Jacobelli on Team Building; Payrolls Friday
As AI dominates industry discussions, many see parallels to earlier fears that automated underwriting would replace human underwriters, yet the enduring need for human expertise (along with persistently high mortgage rates) continues to showcase the value of loan professionals and programs like...
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8.6.26 UWM Earnings; MSF's Dawn Dawson on Mortgage Marketing; Ginnie Mae Custom Pools
UWM reported a mixed second quarter, with lower loan volume, a significant net loss, and a suspended dividend offset by a record $2.05 billion capital raise to strengthen its balance sheet, while management remains focused on competitive pricing and long-term positioning despite ongoing…
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8.5.26 M&A Activity; HomeLight's Nick Friedman on Borrower Psychology; Mortgage Applications
Treasuries and Agency MBS have rallied on easing geopolitical tensions, while resilient labor market data, a narrowing trade deficit, and steady purchase-driven mortgage issuance reinforced expectations that the Fed will remain focused on inflation even as higher mortgage rates continue to…
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8.4.26 Moving and Shaking; Vesta's Mike Yu on Mortgage Technology; Weary Agency MBS
As the mortgage industry prepares for a busy fall conference season, consolidation remains a defining theme, highlighted by reports that Mason-McDuffie Mortgage has agreed to sell its production business to Place/Envoy Mortgage while exploring a separate sale of its corporate entity and agency...
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8.3.26 Early Information Access; Aon's John Dickson on Flood Insurance; Market Stability
Non-QM lenders see opportunity in stricter condominium underwriting standards introduced by the FHFA, while broader markets continue to underscore the premium value of timely information, highlighted by reports of potential changes to the Fed's meeting schedule and the launch of a subscription...
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7.31.26 Reverse Mortgages; CATO Institute’s Jai Kedia on the Fed; High Bond Yields
Standing up a reverse mortgage division can't be that hard, can it? We go through some of the mechanics. Plus, Robbie interviews CATO Institute’s Jai Kedia on if the Fed's policy stance is getting closer to its target, and the future of the central bank under Chair Warsh. And we close with why…
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7.30.26 Fannie and Freddie Profitability; ALTA's Chris Morton on Title Insurance; Fed Takeaways
The profitability of Fannie Mae and Freddie Mac are the opening topic on today's podcast. Plus, Robbie interviews ALTA’s Chris Morton on first-quarter title insurance premiums, and the industry's preventative role in resolving title defects before closing as a form of reducing long-term...
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7.29.26 Around the Mortgage Industry; Experian's Jamie Norris on Verification Integrations; Fed Decision Day
We go around the mortgage industry, in slightly more than 60 seconds, to begin today's episode. Plus, Robbie interviews Experian’s Jamie Norris on expanding data verification options and automation while enhancing efficiency, flexibility, and decision-making across the mortgage process. And we...
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7.28.27 Updating RESPA; PMSI's John Walsh on Investor Reporting; Fed Framework
The Real Estate Settlement Procedures Act (RESPA) is over 50 years old, but why it is so impractical to update is the discussion that kicks off today's podcast. Plus, Robbie interviews PMSI’s John Walsh on the mortgage investor reporting and accounting space. And we close with the changes to the...
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7.27.26 Global Debt; Lower’s Paul Zinn on Retail Lending; Factors Driving Rates
Ever wonder how much debt is outstanding in the world? We go through that to kick off today's podcast. Plus, Robbie interviews Lower’s Paul Zinn on how successful retail mortgage teams are staying competitive by evolving their sales strategies, investing in recruiting and developing top loan...
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7.24.26 One-Year Look Back; Morgan Stanley’s Matthew Hornbach on Risks; Stagflation Creeping
Looking back at what we were discussing a year ago germane to the mortgage industry is how we begin today's episode. Robbie then interviews Morgan Stanley’s Matthew Hornbach on identifying the risks that investors and the mortgage industry may be underestimating as the economy transitions into…
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7.23.26 Industry Consolidation; JazzX’s Varant Herculian on Change Management; Oil to Bonds
The continued pattern of consolidation in the mortgage industry is the lead-in for today's episode. Robbie then interviews JazzX’s Varant Herculian on effective change management and a clear strategy for integrating AI into workflows in ways that empower employees and deliver measurable business...
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7.22.26 Building Statistics; Pivot Financial's Jennifer McGuinness-Lubbert on Innovation; Mortgage-Backed Security Primer
We kick off the podcast with some figures surrounding building and building patterns in the United States. Robbie then interviews Pivot Financial's Jennifer McGuinness-Lubbert on the importance of data integration, diversification beyond traditional Agency products to meet borrower needs, and...
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7.21.26 Modern RESPA; Climative’s Winston Morton on Tappable Equity; Rate Reasoning
A discussion on the modern applicability of RESPA is how today's podcast kicks off. Robbie then interviews Climative’s Winston Morton on turning homeowner demand for energy and resilience upgrades into qualified financing opportunities. And the episode closes with the various reasons rates have…
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7.20.26 Freddie and Fannie Stock; IRA's Chris Whalen on Servicing Deals; Low Volatility
Just how much input lenders have into Freddie Mac and Fannie Mae's activities is how today's podcast kicks off. Robbie then interviews the Institutional Risk Analyst’s Chris Whalen on the fallout from the Two Harbors servicing deal, further consolidation in the mortgage industry, and dominos to...
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7.17.26 Housing Statistics; BOKF's Chris Maloney on MBS Performance; New Rate Highs
Housing statistics and the latest delinquency figures kick off today's interview. Robbie interviews Bank of Oklahoma’s Chris Maloney on Agency MBS performance, and what investors are watching regarding how normalization in mortgage rates and housing conditions will influence speeds, supply, and...
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7.16.26 Consumer Interactions; Polunsky Beitel Green on 50 Years; Data Data Data
Today’s episode begins with an overview of the ways consumers are interacting with originators. Plus, Robbie interviews Polunsky Beitel Green’s Allan Polunsky, Jay Beitel, and Marty Green on the evolution of the mortgage industry from a legal perspective over the past five decades, and the legal...
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7.15.26 Disinflation Reactions; JPMorgan Chase’s Olivia Barrow Strauss on Policy; Wholesale Prices
Today’s episode begins with market reaction to the lowest CPI inflation report in years. Plus, Robbie interviews JPMorgan Chase’s Olivia Barrow Strauss on today's housing policy landscape, examining why the U.S. continues to under build homes, how smart policy can expand supply and lower costs…
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7.14.26 Fed Progress; MCT's Leslie Winick on Strategy; Benign CPI Report
Today’s episode includes a look at the progress the Federal Reserve is making against inflation, and toward an all-Treasury balance sheet. Plus, Robbie interviews MCT’s Leslie Winick on the evolving role of a Chief Strategy Officer, exploring how technology companies can stand out in the AI era...
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7.13.26 Rates on the Up; Zillow Home Loans' Eric Wilson on Borrower Journey; Economic Calendar
Today’s episode includes a discussion on why mortgage rates have gone up recently. Plus, Robbie interviews Zillow Home Loans’ Eric Wilson on how the company is guiding buyers with care and confidence, helping them move from pre-approval through closing with support from centralized processing,...
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7.10.26 Housing Statistics; Rate’s Ryan Ogata on Profit and Loss Models; Rates Versus Volatility
Today’s episode includes a discussion on housing statistics from the beginning of summer. Plus, Robbie interviews Rate’s Ryan Ogata on why more and more originators/branch operators are choosing “profit and loss” models over traditional retail. And we close with a look at why rates aren’t great…
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7.9.26 Housing Demand; FTI Consulting’s Creighton Oswald on Capital Requirements; Higher For Longer?
Today’s episode includes a discussion on housing demand versus supply. Plus, Robbie interviews with FTI Consulting’s Creighton Oswald on how if capital treatment becomes more favorable, increased competition could drive aggressive pricing that benefits independent mortgage banks and borrowers…
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7.8.26 Prepayment Data; FICO’s Ethan Dornhelm on Credit Score Modernization; Geopolitical Tension
Today’s episode includes a discussion on Agency mortgage-backed security (MBS) prepayment activity in the wake of QE4 lows. Plus, Robbie interviews FICO’s Ethan Dornhelm on how credit score modernization is giving lenders and market participants the ability to evaluate long-term predictive...
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ABOUT THIS SHOW
The Chrisman Commentary podcast provides daily insights into the mortgage industry, covering market trends, capital markets, and regulatory changes. Hosted by Robbie Chrisman, each episode delivers expert analysis and industry perspectives on the forces shaping housing finance. Whether it’s mortgage rates, lending news, or economic shifts, the podcast offers a clear, concise breakdown of the most important developments. More at www.chrismancommentary.com.
HOSTED BY
Chrisman LLC
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Frequently Asked Questions
How many episodes does Chrisman Commentary - Daily Mortgage News have?
Chrisman Commentary - Daily Mortgage News currently has 500 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Chrisman Commentary - Daily Mortgage News about?
The Chrisman Commentary podcast provides daily insights into the mortgage industry, covering market trends, capital markets, and regulatory changes. Hosted by Robbie Chrisman, each episode delivers expert analysis and industry perspectives on the forces shaping housing finance. Whether it’s...
How often does Chrisman Commentary - Daily Mortgage News release new episodes?
Chrisman Commentary - Daily Mortgage News publishes regularly with 500 episodes available. Check the episode list for the typical release schedule.
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You can listen to Chrisman Commentary - Daily Mortgage News on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Chrisman Commentary - Daily Mortgage News?
Chrisman Commentary - Daily Mortgage News is created and hosted by Chrisman LLC.
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