Chrisman Commentary - Daily Mortgage News

Chrisman LLC
  • 4.4 (31)
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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.

  1. 14h ago

    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 Duncan on how data and AI can modernize LO–lender matching and what lenders must do to attract top producers. And last week’s sharp rate selloff, driven by renewed oil-fueled inflation, fiscal concerns, and expectations for multiple Fed hikes, pushed Treasury yields and MBS spreads materially higher, underscoring the need for better loan-level execution and risk visibility as markets brace for another 25-basis point Fed hike this week. This week’s podcasts are sponsored by FirstClose. FirstClose helps lenders accelerate home equity originations with faster property decisioning, streamlined workflows, and a digital borrower experience from application to closing. FirstClose is the only end-to-end digital HELOC and HEL solution built specifically for home equity lending. Learn more at: https://hubs.ly/Q04tLGXh0 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.

    9.14.26 Consumer Strength; mLoop's Ellen Duncan on LO Movement; Fed Week

  2. 3d ago

    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 key latent prepayment risks if mortgage rates decline materially. Robbie interviews Agile’s Greg Vacura on connecting mortgage lenders and broker-dealers to make MBS trading faster, more efficient, transparent, and less reliant on phone-based processes. And rates remain caught between an oversold Treasury market and persistent inflation, fiscal, supply, and geopolitical pressures, with the selloff pushing the 30-year above 5.30 percent and MBS underperforming even after a strong 30-year auction, while rising oil, firm economic data, and a heavy corporate calendar keep the focus squarely on CPI and the Fed’s upcoming decision.  This week’s podcasts are sponsored by NFTYDoor, the white-label HELOC platform for banks, credit unions, and  brokers. Close in zero days with warehouse funding. Power your home equity lending with NFTYDoor. 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.

    9.11.26 Prepayment Speeds; Agile's Greg Vacura on TBA Trading; CPI Inflation

  3. 4d ago

    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 reporting and other informal policy changes is creating stress and uncertainty across the GSE mortgage ecosystem. Robbie interviews UWM's Mat Ishbia on UWM’s growth, the expansion of the mortgage broker channel, recent financial performance, future plans, key challenges, and how the company defines success. And Treasuries appear technically oversold after strong auction demand but remain vulnerable as investors question how much support Treasury buybacks can provide, while the broad MBS basis widening signals deeper market dislocation and growing concern over mortgage valuations, Treasury supply, and the U.S. fiscal outlook. This week’s podcasts are sponsored by NFTYDoor, the white-label HELOC platform for banks, credit unions, and  brokers. Close in zero days with warehouse funding. Power your home equity lending with NFTYDoor. 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.

    9.10.26 Credit Score Models; UWM's Mat Ishbia on Growth Strategy; Treasury Technicals

  4. 5d ago

    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 loans until the new limits become officially deliverable. Robbie interviews Curinos' Ken Flaherty and Rich Martin on the growing home-equity opportunity, using speed as a competitive advantage, reaching the next generation of borrowers, and tracking key mortgage-market trends over the next year. And specified payups have compressed in the selloff as weaker MBS valuations, higher volatility, and reduced liquidity diminish the value investors place on prepayment protection, making it important for lenders to use more conservative payup assumptions and avoid relying on historical premiums when pricing and hedging specified production. This week’s podcasts are sponsored by NFTYDoor, the white-label HELOC platform for banks, credit unions, and  brokers. Close in zero days with warehouse funding. Power your home equity lending with NFTYDoor. 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.

    9.9.26 Conforming Loan Limits; Curinos' Ken Flaherty and Rich Martin on Market Trends; Specified Payups

  5. 6d ago

    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 3.6, who needs to prepare, where organizations should invest, its impact on appraisal efficiency and complexity, and the key misconceptions. And mortgage investors face a challenging higher-rate environment, favoring shorter-duration Fannie 15- and 20-year MBS, while any meaningful rate decline could trigger increased refinancing, especially among newer, higher-coupon mortgage cohorts. This week’s podcasts are sponsored by NFTYDoor, the white-label HELOC platform for banks, credit unions, and  brokers. Close in zero days with warehouse funding. Power your home equity lending with NFTYDoor. 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.

    9.8.26 Vantage Adoption; PCV Murcor's David Schiffmayer on UAD 3.6; CPI and PPI

  6. Sep 4

    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 putting mortgage and real estate data in the hands of originators and lenders. And Fed Governor Waller favors holding rates steady absent negative data surprises, but resilient growth, sticky service-sector inflation, and a still-healthy labor market could limit easing, leaving upcoming data to determine whether the Fed delivers a hawkish hold or considers a hike. Thanks to Zillow Home Loans, Zillow’s in-house mortgage lender, for sponsoring this week’s podcasts. By integrating Zillow’s real estate platform with financing, Zillow Home Loans helps buyers move from dreaming about a home to holding the keys. With tools built for modern lending, Zillow Home Loan’s loan officers can focus on guiding buyers with care and confidence. Zillow Home Loans is an equal housing lender. NMLS #10287. The Chrisman Commentary is 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.

    9.4.26 Aging Borrower Population; RETR’s Steven Wynands on Datasets; Payrolls Friday

  7. Sep 3

    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 reverse mortgage space. And the Fed remains cautious about easing as resilient financial conditions and modest economic growth keep demand supported, while mixed labor and consumer data have yet to materially move rates, with the 10-year Treasury yield easing to 4.75 percent. Thanks to Zillow Home Loans, Zillow’s in-house mortgage lender, for sponsoring this week’s podcasts. By integrating Zillow’s real estate platform with financing, Zillow Home Loans helps buyers move from dreaming about a home to holding the keys. With tools built for modern lending, Zillow Home Loan’s loan officers can focus on guiding buyers with care and confidence. Zillow Home Loans is an equal housing lender. NMLS #10287. The Chrisman Commentary is 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.

    9.3.26 Industry Tidbits; NRMLA's Steve Irwin on Reverse Mortgages; Bonds Quieting Down

  8. Sep 2

    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 Brett Brumley on the proper due diligence necessary with counterparties in the artificial intelligence era. And the Iran war is driving oil prices and inflation expectations higher while soaring government debt and persistent deficits are prompting investors to demand greater returns on bonds, leaving little reason to expect interest rates to decline. Thanks to Zillow Home Loans, Zillow’s in-house mortgage lender, for sponsoring this week’s podcasts. By integrating Zillow’s real estate platform with financing, Zillow Home Loans helps buyers move from dreaming about a home to holding the keys. With tools built for modern lending, Zillow Home Loan’s loan officers can focus on guiding buyers with care and confidence. Zillow Home Loans is an equal housing lender. NMLS #10287. The Chrisman Commentary is 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.

    9.2.26 Nuances of Affordability; Lender Toolkit's Brett Brumley on Technology; Rates Not Friendly
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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 mortgage rates, lending news, or economic shifts, the podcast offers a clear, concise breakdown of the most important developments. More at www.chrismancommentary.com.

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