Chrisman Commentary - Daily Mortgage News

In today's episode, we go through the announcement by Fannie and Freddie to buy more MBS. Plus, Robbie sits down with Castor Financial's Brooks Champagne for a discussion on solving DTI snags with unique income stacking qualification and asset depletion features to qualify more borrowers. And we close by looking at how tweets on the Iran War are influencing the bond markets.Thank you to Quorum Federal Credit Union, which offers a broker outlet. Quorum empowers brokers to close more deals with flexible, high-LTV mortgage and HELOC solutions featuring up to 4 percent comp, low FICO options, and versatile programs for nearly every borrower scenario.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.

In today's episode, we go through the UWM and Two Harbors merger. Plus, Robbie sits down with Wilqo's Larry Huff for a discussion on how lenders identify and address hidden workflow friction in origination, optimizing handoffs and automation, preserving human judgment at high-leverage points, and revealing the weakest points in their stack under stress. And we close by looking at how prepayment speeds are shifting with the backup in mortgage rates.Thank you to Ocrolus. Ocrolus is transforming the mortgage industry with AI-powered data and analytics, featuring cutting-edge tools for automated indexing, income analysis, and now automated conditioning. Ocrolus is empowering lenders to make timely, confident lending decisions. Whether you need to verify income across complex pay scenarios or review borrower documents with confidence, Ocrolus helps mortgage teams move at the speed of automation with the precision of human oversight. Learn more at ocrolus.com/mortgage.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.

In today's episode, we go through the MBA's latest profitability report. Plus, Robbie sits down with Storable's Holly Fiorello for a discussion on how mortgage rate "lock-in" is reshaping housing mobility, borrower expectations, workforce relocation, and the future of homeownership, while examining whether new lending products could unlock significant pent-up housing demand. And we close by looking at reactions to the Federal Reserve's decision to keep rates steady, as well as the rhetoric used by Fed Chair Powell in his press conference.Thank you to Ocrolus. Ocrolus is transforming the mortgage industry with AI-powered data and analytics, featuring cutting-edge tools for automated indexing, income analysis, and now automated conditioning. Ocrolus is empowering lenders to make timely, confident lending decisions. Whether you need to verify income across complex pay scenarios or review borrower documents with confidence, Ocrolus helps mortgage teams move at the speed of automation with the precision of human oversight. Learn more at ocrolus.com/mortgage.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.

In today's episode, we go through some of the chatter from the hallways at ICE Experience 2026. Plus, Robbie sits down with Gershman's Adam Mason for a discussion on the leadership lessons and hiring philosophies that shape strongloan officers, and how adaptability, mindset, and innovation influence success in a challenging market. And we close by looking at some outcomes for the rate outlook this year.Thank you to Ocrolus. Ocrolus is transforming the mortgage industry with AI-powered data and analytics, featuring cutting-edge tools for automated indexing, income analysis, and now automated conditioning. Ocrolus is empowering lenders to make timely, confident lending decisions. Whether you need to verify income across complex pay scenarios or review borrower documents with confidence, Ocrolus helps mortgage teams move at the speed of automation with the precision of human oversight. Learn more at ocrolus.com/mortgage.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.

In today's episode, we go through some acquisitions taking place in the servicing space. Plus, Robbie sits down with Ocrolus' Rebecca Seward for a discussion on analyzing borrower documents and loan data to automatically generate, justify, and track underwriting conditions, while keeping human underwriters in control as the final decision-makers. And we close by looking ahead to the potential outcomes of the Federal Reserve's March meeting.Thank you to Ocrolus. Ocrolus is transforming the mortgage industry with AI-powered data and analytics, featuring cutting-edge tools for automated indexing, income analysis, and now automated conditioning. Ocrolus is empowering lenders to make timely, confident lending decisions. Whether you need to verify income across complex pay scenarios or review borrower documents with confidence, Ocrolus helps mortgage teams move at the speed of automation with the precision of human oversight. Learn more at ocrolus.com/mortgage.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.

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 go through what the topics du jour will be in the hallways at ICE Experience in Las Vegas. Plus, Robbie sits down with Megastar Financial and Take3Tech's Anita Padilla-Fitzgerald for a discussion on how she maximizes client engagement to deliver one source of truth, an end to end mortgage solution, and certainty in one day. And we close by looking at what is expected to emerge from the Federal Reserve meeting this week.Thank you to Ocrolus. Ocrolus is transforming the mortgage industry with AI-powered data and analytics, featuring cutting-edge tools for automated indexing, income analysis, and now automated conditioning. Ocrolus is empowering lenders to make timely, confident lending decisions. Whether you need to verify income across complex pay scenarios or review borrower documents with confidence, Ocrolus helps mortgage teams move at the speed of automation with the precision of human oversight. Learn more at ocrolus.com/mortgage.

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 go through some industry mailbag questions that made their way to my inbox this week. Plus, Robbie sits down with Logan Finance's Paul Jones for a discussion on how brokers avoid common self-employed borrower mistakes and simplify the process from application to closing to make non-QM accessible and efficient. And we close by looking at personal consumption expenditures (PCE).Today's podcast is brought to you by Floify, an industry-leading point of sale platform. Dynamic Apps 2.0 — an AI- powered enhancement lets lenders tailor application flows by loan type, including HELOC, construction, ag, non-QM and more. Borrowers see only the right questions, the right sections and are sent the right disclosures from the start. The result? Higher completion rates, less operational back-and-forth and specialty lending without the one-size-fits-all compromise. Discover more at www.floify.com — and see Dynamic Apps 2.0 in action at ICE Experience, March 15–18 in booth 713.

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 go through how the HUD False Claims "Monster" may not actually be slayed. Plus, Robbie sits down with Consumer Data Industry Association's Dan Smith for a discussion on the debate over eliminating tri-merge credit reporting centers, and whether shifting to a single bureau would truly improve affordability or instead introduce systemic risk. And we close by looking at how the U.S. government is financing the Iran war.Today's podcast is brought to you by Floify, an industry-leading point of sale platform. Dynamic Apps 2.0 — an AI- powered enhancement lets lenders tailor application flows by loan type, including HELOC, construction, ag, non-QM and more. Borrowers see only the right questions, the right sections and are sent the right disclosures from the start. The result? Higher completion rates, less operational back-and-forth and specialty lending without the one-size-fits-all compromise. Discover more at www.floify.com — and see Dynamic Apps 2.0 in action at ICE Experience, March 15–18 in booth 713.

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 go through how prepayment characteristics are shifting with mortgage rate movement. Plus, Robbie sits down with Floify's Jason Mapes for a discussion on automating tasks like data extraction, document validation, and 1003 completion within the POS, enabling lenders to deliver faster, cleaner, and more compliant loan files without introducing risky borrower-facing AI interactions. And we close by looking at the latest inflation data and how it's moving bond markets.Today's podcast is brought to you by Floify, an industry-leading point of sale platform. Dynamic Apps 2.0 — an AI- powered enhancement lets lenders tailor application flows by loan type, including HELOC, construction, ag, non-QM and more. Borrowers see only the right questions, the right sections and are sent the right disclosures from the start. The result? Higher completion rates, less operational back-and-forth and specialty lending without the one-size-fits-all compromise. Discover more at www.floify.com — and see Dynamic Apps 2.0 in action at ICE Experience, March 15–18 in booth 713.

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 go through how the prices of various asset classes are evolving with the conflict in the Middle East. Plus, Robbie sits down with eRESI's Lisa Schreiber for a discussion on the evolution in the non-QM space, how correspondent lenders are growing their non-QM business, and what the future holds for lenders considering entering the market. And we close by looking at the how President Trump's words are manipulating markets.Today's podcast is brought to you by Floify, an industry-leading point of sale platform. Dynamic Apps 2.0 — an AI- powered enhancement lets lenders tailor application flows by loan type, including HELOC, construction, ag, non-QM and more. Borrowers see only the right questions, the right sections and are sent the right disclosures from the start. The result? Higher completion rates, less operational back-and-forth and specialty lending without the one-size-fits-all compromise. Discover more at www.floify.com — and see Dynamic Apps 2.0 in action at ICE Experience, March 15–18 in booth 713.

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 go through what investors are watching as the war in Iran enters a longer phase. Plus, Robbie sits down with Rocket's Austin Niemiec for a discussion on the three-year strategic alliance with Compass aimed at expanding home listing inventory to create a significantly enhanced and affordable home buying and selling experience for American families. And we close by looking at the evolving expectations for borrowers as mortgage rates bounce around.Today's podcast is brought to you by Floify, an industry-leading point of sale platform. Dynamic Apps 2.0 — an AI- powered enhancement lets lenders tailor application flows by loan type, including HELOC, construction, ag, non-QM and more. Borrowers see only the right questions, the right sections and are sent the right disclosures from the start. The result? Higher completion rates, less operational back-and-forth and specialty lending without the one-size-fits-all compromise. Discover more at www.floify.com — and see Dynamic Apps 2.0 in action at ICE Experience, March 15–18 in booth 713.

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 go through trending loan volume data in the residential mortgage industry. Plus, Robbie sits down with FICO's Julie May for a discussion on how lender risk behavior is evolving, what is driving the growing adoption of trended data, and how new distribution models could reshape credit scoring across the mortgage industry. And we close by looking at the evolving expectations for the rate path from the Federal Reserve.This week's podcasts are sponsored by Feewise, which turns mortgage compliance from bottleneck to business accelerator. Handle all the complexities involved with establishing TRID compliant fees and disclosures, achieve sign off, and deliver packages to your consumers for review or signature.

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 go through recent and past cybersecurity incidents in the mortgage industry. Plus, Robbie sits down with Feewise's Rob Withers for a discussion on enhancing tech stacks through a disclosure manufacturing solution that works at the speed of sales. And we close by looking at the most recent labor data and what it means for the overall strength of the U.S. economy.This week's podcasts are sponsored by Feewise, which turns mortgage compliance from bottleneck to business accelerator. Handle all the complexities involved with establishing TRID compliant fees and disclosures, achieve sign off, and deliver packages to your consumers for review or signature.

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 look at the latest talking points in the world of credit. Plus, Robbie sits down with Depth's Lindsey Neal for a discussion on modern relationship management, marketing, and PR strategies in the mortgage industry. And we close by looking at Redwood Trust's first non-QM deal.This week's podcasts are sponsored by Feewise, which turns mortgage compliance from bottleneck to business accelerator. Handle all the complexities involved with establishing TRID compliant fees and disclosures, achieve sign off, and deliver packages to your consumers for review or signature.

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 look at the latest ripple effects from the destabilization of the Middle East. Plus, Robbie sits down with ACES Quality Management's Sharon Reichhardt for a discussion on improving productivity and mortgage loan quality while controlling costs and risk. And we close by looking at what the return of the  U.S. MBS index has been lately.This week's podcasts are sponsored by Feewise, which turns mortgage compliance from bottleneck to business accelerator. Handle all the complexities involved with establishing TRID compliant fees and disclosures, achieve sign off, and deliver packages to your consumers for review or signature.

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 look at the latest M&A chatter from around the industry. Plus, Robbie sits down with FirstClose's Andria Lightfoot for a discussion on modernizing processes with low-lift digital entry points to eliminate bottlenecks,boost borrower satisfaction, and stay competitive in the evolving home equity market. And we close by looking at what the geopolitical events in the Middle East are doing to mortgage rates.This week's podcasts are sponsored by Feewise, which turns mortgage compliance from bottleneck to business accelerator. Handle all the complexities involved with establishing TRID compliant fees and disclosures, achieve sign off, and deliver packages to your consumers for review or signature.

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 look at the latest partnerships and Agency profit drivers from around mortgage industry. Plus, Robbie sits down with MakeMyMove's Evan Hock for a discussion on new data that shows that many financially stable, middle-income households are being priced out of homeownership in major metros notby monthly affordability but by lack of access, prompting relocations to smaller regional hubs where similar housing costs unlock ownership, stability, and better quality of life. And we close by looking at the end of this month's auction slate from the U.S. Treasury.This week's podcasts are sponsored by FirstClose. FirstClose Equity gets you to closings faster by empowering borrowers with vital property decisioning data. It is the only end-to-end digital HELOC & HEL solution built specifically for home equity.

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 dive into some mailbag questions I've been receiving from around the mortgage industry. Plus, Robbie sits down with Yardi's Doug Ressler for a discussion on the post-pandemic structural shifts driving affordable housing construction to outpace overall apartment development, how regional differences reflect policy and migration trends, and what distinguishes metros that successfully deliver projects from those that stall. And we close by looking at the strains impacting the domestic economy.This week's podcasts are sponsored by FirstClose. FirstClose Equity gets you to closings faster by empowering borrowers with vital property decisioning data. It is the only end-to-end digital HELOC & HEL solution built specifically for home equity.

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 dive into the ramifications of licensing AI as an originator. Plus, Robbie sits down with Optimal Blue's Erin Wester for a discussion on the extensive lineup of mortgage capital markets innovations unveiled at 2026 Optimal Blue Summit, including an industry-first AI/ML-powered forecasting tool. And we close by looking at what home prices are doing across the nation.This week's podcasts are sponsored by FirstClose. FirstClose Equity gets you to closings faster by empowering borrowers with vital property decisioning data. It is the only end-to-end digital HELOC & HEL solution built specifically for home equity.

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 dive into the Supreme Court's ruling against tariffs last week. Plus, Robbie sits down with Plantd's Josh Dorfman for a discussion on the intersection of sustainability, capital markets, housing, and pragmatic climate solutions for business and policy leaders. And we close by looking at the Treasury's quarterly refunding.This week's podcasts are sponsored by FirstClose. FirstClose Equity gets you to closings faster by empowering borrowers with vital property decisioning data. It is the only end-to-end digital HELOC & HEL solution built specifically for home equity.

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 dive into the Supreme Court's ruling against tariffs last week. Plus, Robbie sits down with Clear Capital's Dan McAlister for a discussion on why UAD 3.6 is already creating real operational pressure for lenders, how readiness gaps are showing up as appraisal friction and downstream conditions, and what teams need to fix now to adapt their review workflows and avoid slower turn times as the mandate approaches in 2026. And we close by looking at this week's economic calendar.This week's podcasts are sponsored by FirstClose. FirstClose Equity gets you to closings faster by empowering borrowers with vital property decisioning data. It is the only end-to-end digital HELOC & HEL solution built specifically for home equity.

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 look at how artificial intelligence is both furthering and combating mortgage fraud. Plus, Robbie sits down with MAXEX's Tom Pearce for a discussion on his company's partnership with Tradeweb that will create a more centralized, transparent, and scalable institutional marketplace for U.S. residential mortgage loans. And we close by looking at the latest economic reports and their impact on mortgage rates.Today's podcast is brought to you by Optimal Blue, the only end-to-end capital markets platform built to power performance, precision, and profitability, helping lenders of all sizes operate more efficiently, manage risk more effectively, and maximize results.

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 look at some of the Fed's suggested changes to bank capital requirements. Plus, Robbie sits down with economist Elliot Eisenberg for a discussion on trends seen across economic data and how high the bar has become for the Fed to justify easing if headline resilience persists. And we close by looking at the diverging path of monetary policy in the coming months.Today's podcast is brought to you by Optimal Blue, the only end-to-end capital markets platform built to power performance, precision, and profitability, helping lenders of all sizes operate more efficiently, manage risk more effectively, and maximize results.

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 look at how global markets responded to the Lunar New Year thin trading conditions. Plus, Robbie sits down with Beyond Zero-DedicatedDevelopment Consultants' Kevin Kennon for a discussion on how sustainable design, resilience, and AI are reshaping residential real estate economics, influencing credit risk, asset performance, and long-term mortgage viability. And we close by looking at this week's mortgage application figures from MBA.Today's podcast is brought to you by Optimal Blue, the only end-to-end capital markets platform built to power performance, precision, and profitability, helping lenders of all sizes operate more efficiently, manage risk more effectively, and maximize results.

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 look at the rise of affordability programs like down payment assistance (DPA). Plus, Robbie sits down with TRUE's Steve Butler for a discussion on why lenders start automation too late by focusing on late-stage checks instead of intake, even though most costs are created early, and how to move certainty upstream. And we close by looking at this week's shortened economic calendar.Today's podcast is brought to you by Optimal Blue, the only end-to-end capital markets platform built to power performance, precision, and profitability, helping lenders of all sizes operate more efficiently, manage risk more effectively, and maximize results.

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 go through chatter from around the mortgage industry heard in the hallways here at MCT Exchange 2026 in San Diego. Plus, Robbie sits down with Ivy Risk Strategies' Lisa Holt for a discussion on how rethinking risk around fewer insurance purchases, stronger human connection, and data-drivenfeedback loops challenge traditional industry assumptions and help lenders and real estate leaders prepare for 2026 with smarter, more intuitive decisions at scale. And we close by looking at reaction to a subdued January CPI report.This week's podcasts are Sponsored by Cenlar. Cenlar supports lenders and investors with scalable, best-in-class loan servicing built for today's complex market. From compliance to customer experience, Cenlar helps portfolios perform better, borrowers stay supported, and servicers focus on growth. We're proud to partner with a true industry leader.

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 go through a couple mergers and acquisitions from around the mortgage industry, including an interview with Pennymac's Kevin Ryan on the company's acquisition of Cenlar. Plus, Robbie sits down with Kastle's Rishi Choudhary for a discussion on how AI agents are moving from hype to real impact in mortgage lending and servicing by automating unstructured, high-friction borrower interactions at scale, delivering measurable ROI through lower servicing costs, higher loan officer productivity, and production-proven deployments. And we close by looking at reaction to that very robust delayed January payrolls report.This week's podcasts are Sponsored by Cenlar. Cenlar supports lenders and investors with scalable, best-in-class loan servicing built for today's complex market. From compliance to customer experience, Cenlar helps portfolios perform better, borrowers stay supported, and servicers focus on growth. We're proud to partner with a true industry leader.

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 go through the latest prepayment data and what it says about borrower sentiment. Plus, Robbie sits down with Milliman's Jonathan Glowacki for a discussion on why “lender choice” that allows mortgage originators to select among approved credit scoring models may understate risk by producing meaningfully higher default rates within the same score bands, shifting more credit risk onto the mortgage system while reducing risk-based fees and potentially weakening the economics of the GSE guarantee. And we close by looking at a very robust delayed January payrolls report.This week's podcasts are Sponsored by Cenlar. Cenlar supports lenders and investors with scalable, best-in-class loan servicing built for today's complex market. From compliance to customer experience, Cenlar helps portfolios perform better, borrowers stay supported, and servicers focus on growth. We're proud to partner with a true industry leader.

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 go through some international events that should impact bond pricing domestically. Plus, Robbie sits down with VIU by HUB's Travis Hodgesfor a discussion on why lenders and servicers need to embed insurance into the mortgage experience so borrowers can better understand long-term cost shifts, avoid underinsurance, access digital tools with human guidance, and build trust and retention amid rising volatility. And we close by looking at some delayed government releases.This week's podcasts are Sponsored by Cenlar. Cenlar supports lenders and investors with scalable, best-in-class loan servicing built for today's complex market. From compliance to customer experience, Cenlar helps portfolios perform better, borrowers stay supported, and servicers focus on growth. We're proud to partner with a true industry leader.

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 go through a primer on how supply and demand are impacting mortgage prices. Plus, Robbie sits down with with Experian's Joy Minaand Ken Tromer for a discussion on how to access reliable income, employment, and asset data upfront in the origination process, enabling more precise prequalification decisions while reducing friction and improving the borrower's early-stage experience. And we close by talking about trends are are seeing across specified pools.This week's podcasts are Sponsored by Cenlar. Cenlar supports lenders and investors with scalable, best-in-class loan servicing built for today's complex market. From compliance to customer experience, Cenlar helps portfolios perform better, borrowers stay supported, and servicers focus on growth. We're proud to partner with a true industry leader.

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 go through the latest Supreme Court rulings that are set to impact the mortgage industry. Plus, Robbie sits down with Rocket's Doug Buser for a discussion on insights from shaping the overall fan experience at the Super Bowl, the marketing and neighborhood activation strategy leading into Super Bowl LX, and Redfin's first ad with Rocket, voiced by Lady Gaga. And we close by talking about why we are seeing a divergence in primary rates quoted by borrowers.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.

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 go through Bed Bath and Beyond's entrance into the mortgage space. Plus, Robbie sits down with Truework's Ethan Winchell for a discussion on the intersection of technology and use, and how designing platforms for the mortgage industry has shifted toward practical application. And we close by talking about why we are seeing so many job cuts.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.

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 go through the latest update from the Consumer Financial Protection Bureau. Plus, Robbie sits down with Curinos' Ken Flaherty, Josh Beane, and Rich Martin for a discussion on key 2025 performance trends across first mortgage, home equity, and unsecured lending, as well as 2026 forecasts and assumptions for each vertical, and the strategic priorities lenders should focus on to grow profitably in the year ahead. And we close by talking about why we've seen a drop in mortgage applications.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.

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 go through the chatter from the hallways at MBA's Independent Mortgage Banker Conference. Plus, Robbie sits down with TLS' Will Pendleton and Calque's Jeremy Foster for a discussion on how the Buy Before You Sell model helps brokers remove timing and contingency risk for today's buyers, and why transparent, well-integrated solutions like this are increasingly becoming essential tools for brokers navigating more competitive and complex housing markets. And we close by talking about the bond markets reaction to the new Fed Chair announcement.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.

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 go through an explainer on credit costs. Plus, Robbie sits down with FundingShield's Adam Chaudhary for a discussion on why escalating fraud, regulatory scrutiny, and refinance activity are making proactive, real-time verification essential for lenders. And we close by talking about what mortgage rates are doing in reaction to the partial government shutdown.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.

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 look at reaction to Donald Trump's announcement that he will nominate Kevin Warsh to be Fed Chair. Plus, Robbie sits down with Z Technology Solution's Suha Zehl for a discussion on moving certainty to the front of the lending process to reduce operational friction, eliminate late-stage surprises, and allow lenders to scale volume, protect margins, and serve complex borrowers without adding staff. And we close by talking about what mortgage rates have done over the past couple of weeks.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.

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 look at the pulse of the economy through economic indicators. Plus, Robbie sits down with Sitewire's Bryan Kester for an interview that includes an exploration of how permitting friction, underestimated rehab complexity, and weak pre-funding diligence (not land or labor) have become the true constraints on housing supply, and what smarter underwriting and process discipline look like as the market adapts. And we close by talking about reaction to the latest FOMC meeting.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.

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 look at the latest news emanating from Fannie and Freddie. Plus, Robbie sits down with Experian's Michele Bodda for a discussion on how evolving credit data, new scoring models, and shifting renter sentiment are reshaping mortgage access and underwriting economics. And we close by talking about likely outcomes from the latest FOMC meeting.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.

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 look at why global hedging risk intensified. Plus, Robbie sits down with Portnox's Denny LeCompte for a discussion on the role of network access control, and how organizations can adapt security mindsets and practices to evolving audit and visibility demands. And we close by looking at what on the horizon could shape market sentiment.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.

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 look at some trends seen across the mortgage industry as well as what is on the economic calendar this week. Plus, Robbie sits down with Middle Housing Partner's Jared Jones for a discussion on how housing policy actually becomes delivered homes, and how permitting workflows and local regulatory interpretation shape real-world project feasibility. And we close by looking at the refinance activity index.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.

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 talk about bond market movement from intentional and unintentional directives from the Trump administration. Plus, Robbie sits down with Southern Bancorp's Jeremy Davis for a discussion on how lenders must rethink culture, leadership, customer trust, and mission- driven strategy to build resilient organizations that not only withstand 2026's challenges but emerge stronger. And we close by looking at the week that was in the mortgage industry.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.

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 talk about the takeaways from President Trump's speech in Davos Yesterday. Plus, Robbie sits down with LendingTree's Matt Schulz for a discussion on whether the long-term wealth benefits of owning outweigh short-term cash flow challenges, especially as affordability gaps, regional policies, and rising costs risk reshaping migration, exacerbating inequality, and straining the traditional path to a “starter home.” And we close by reviewing the latest prepayment speed data.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.

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 talk about why speculation is “far greater an enemy than the news itself." Plus, Robbie sits down with Polunsky Beitel Green's Marty Green for a discussion on how political posturing has affected bond yields and prevailing market sentiment. And we close by previewing President Trump's speech from Davos.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.

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 look at the overall path of rates after some recent headlines swayed investor sentiment. Plus, Robbie sits down with American Pride Bank's Jessica Bluj for a discussion on One-Time Close construction-to-permanent loans versus traditional multi-close structures. And we close by inspecting the meaningful data points in this holiday-shortened week.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.

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 look how the Trump Administration's directives are causing the mortgage industry to adapt. Plus, Robbie sits down with CHLA's Scott Olson for a discussion on priorities for trade associations, such as credit costs, as 2026 advocacy kicks off in earnest. And we close by examining just what sort of cohesive economic narrative there has been over the start of this year.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.

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 look at the ways we are starting to see the "lock-in effect" meaningfully shift for borrowers. Plus, Robbie sits down with FINOFR's Keith Kelly for a discussion on how to take the friction out of the loan process for everyone. And we close by examining trends in economic data that will better help you keep borrowers informed as to what's going on.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. 

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 look at the latest prepayment and delinquency data from from mortgagees. Plus, Robbie sits down with Worthy Performance Group's Laura Lasher for a discussion on why many lenders will fail to capitalize on a rate-driven rebound, what truly differentiates winning loan officers, how competitive dynamics have shifted toward larger institutions, which training investments genuinely improve performance, and the warning signs that signal an organization is unprepared for the next market cycle. And we close by examining the overall economic narrative based on employment, inflation, and spending figures.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. 

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 look at some data trends we are seeing, namely benign inflation and strong retail sales. Plus, Robbie sits down with Key Mortgage Services' Jen Poniatowski for a discussion on how lenders should adjust borrower expectations in a falling rate environment, how buyer leverage is shifting as inventory rises, and how economic uncertainty is shaping first-time buyer confidence and product choice. And we close by examining a slew of economic data that was released this morning.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. 

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 look at the market's reaction on Monday to criminal charges being levied against Federal Reserve Chairman Jerome Powell. Plus, Robbie sits down with Clever's Jaime Seale for a discussion on the widespread financial barriers and affordability concerns of younger generations, and why Millennials, in particular, are willing to stretch budgets significantly despite planning to purchase homes below current median prices. And we close by examining what the latest CPI report says about inflation in the U.S.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. 

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 look at the criminal charges being levied against Federal Reserve Chairman Jerome Powell. Plus, Robbie sits down with Texas MBA's Erin Dee for a discussion on the benefits of advocacy at the state association level. And we close by examining what the shifting inflation and employment figures of the Fed's dual mandate.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. 

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 look at President Trump instructing his representatives to buy $200 billion of mortgage bonds. Plus, Robbie sits down with loanDepot's Jeff Dergurahian for a discussion on the key data shaping 2026 forecasts, challenges to market consensus on rates and volume, and how originators can translate economic uncertainty into trusted, client-centric guidance. And we close by reviewing what December payrolls reveal about the Fed's rate path.