Chrisman Commentary - Daily Mortgage News

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 fall as companies race to grab market share. And the episode closes with a look ahead to this week's economic calendar. Thank you to JazzX, the first true end-to-end AI platform built for mortgage. From application to underwriting, JazzX is a new operating model that helps you scale growth, boost productivity, and transform how your team performs.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.

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 valuations going forward. And we close with why mortgage rates have hit 2026 highs.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.

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 and regulatory challenges lenders face today. And we close with retail sales and jobless claims figures.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.

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, and what the passage of the ROAD to Housing Act could mean for the future of housing affordability. And we close with what prices are doing at the wholesale level.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.

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 through customer-centric strategy, operational excellence, effective change management, and goal alignment. And we close with reaction to the release of lower than expected inflation figures.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.

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, underwriting, and closing teams. And we close with a look ahead at this week's economic calendar.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.

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 but a lack of volatility is welcomed.This week's podcasts are sponsored by FICO. As the industry's most predictive credit score, FICO Score 10T combines proven performance with deeper insight into borrower behavior to help support a stronger and more resilient housing finance system.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.

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 while further compressing margins for warehouse lenders. And we close with a debate over if we are back in the "higher for longer" inflation environment.This week's podcasts are sponsored by FICO. As the industry's most predictive credit score, FICO Score 10T combines proven performance with deeper insight into borrower behavior to help support a stronger and more resilient housing finance system.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.

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 performance and expand responsible access to credit while preserving safety and soundness. And we close with the focus on geopolitical tensions versus inflation versus economic data.This week's podcasts are sponsored by FICO. As the industry's most predictive credit score, FICO Score 10T combines proven performance with deeper insight into borrower behavior to help support a stronger and more resilient housing finance system.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.

Today's episode includes a discussion on the ways technology is empowering borrowers, and what that is freeing up originators to focus on. Plus, Robbie interviews American Pacific's Jason Ponsonby on how top-performing mortgage originators distinguish themselves through discipline, adaptability, strong relationship-building, and operational efficiency, while long-term success depends on fostering the right culture, and leveraging technology to enhance human connection. And we close with the trends in TBA mortgage-backed securities as we enter the depths of summer.This week's podcasts are sponsored by FICO. As the industry's most predictive credit score, FICO Score 10T combines proven performance with deeper insight into borrower behavior to help support a stronger and more resilient housing finance system.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.

Today's episode includes a look at the supply of housing currently on the market. Plus, Robbie interviews Sei's Pranay Shetty on how purpose-built agents that handle borrower calls, process loan documents, do contact center QA, and monitor compliance are driving mortgage operations forward. And we close with the expectations for the mortgage industry as we enter the dog days of summer.This week's podcasts are sponsored by FICO. As the industry's most predictive credit score, FICO Score 10T combines proven performance with deeper insight into borrower behavior to help support a stronger and more resilient housing finance system.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.

Today's episode includes a look at the performance of first-lien mortgages in the federal banking system during the first quarter of 2026. Plus, Robbie interviews First Lien Capital's Bill Bymel on how insurance challenges, AI adoption in servicing, and key leading indicators are shaping the next potential cycle of market distress. And we close with the latest payrolls figures, which missed expectations.Thank you to Experian. From lenders and landlords to employers and consumers, Experian helps connect the housing ecosystem with the data and insights needed to make faster, confident decisions. Lead a smarter housing journey with Experian.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.

Today's episode includes an explainer on why the stock market is not the economy. Plus, Robbie interviews PennyMac's Isaac Boltansky on key federal policy developments shaping the housing market and broader U.S. economy. And we close with an explainer on why inflation concerns are still the main driver of short-term interest rates.Thank you to Experian. From lenders and landlords to employers and consumers, Experian helps connect the housing ecosystem with the data and insights needed to make faster, confident decisions. Lead a smarter housing journey with Experian.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.

Today's episode includes a look at how investors are interpreting policy and volume indicators to make informed decisions. Plus, Robbie interviews Experian's Likhitha Mahendar Singh how the modern first-time homebuyer has evolved, why rental payment data is reshaping how lenders identify mortgage-ready borrowers, and how a data-driven approach can help better target, underwrite, and serve the next generation of homeowners. And we close with an explainer on why short-term bonds are now subject to volatility from economic data.Thank you to Experian. From lenders and landlords to employers and consumers, Experian helps connect the housing ecosystem with the data and insights needed to make faster, confident decisions. Lead a smarter housing journey with Experian.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.

Today's episode includes a look at the practical use cases for AI in mortgage. Plus, Robbie interviews Clear Capital's Jason Legare on why appraisal modernization adoption remains uneven despite clear efficiency gains, where alternatives such as inspection-based waivers are gaining traction, and the operational and cultural barriers slowing broader acceptance. And we close with a primer on the implications of higher or lower implied volume on spreads and prepayment activity.Thank you to Experian. From lenders and landlords to employers and consumers, Experian helps connect the housing ecosystem with the data and insights needed to make faster, confident decisions. Lead a smarter housing journey with Experian.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.

Today's episode includes a look at the intersection of housing policy and HMDA data. Plus, Robbie interviews Equifax's Justin Demola on how rising credit costs, higher borrower fallout rates, and inefficient credit-pull strategies are increasing origination expenses, making it critical for lenders to manage credit usage more strategically while leveraging reforms to improve efficiency and reduce costs. And we close with a look at the increasing prevalence of buydowns as a percentage of originations.Thank you to Equifax, a global data, analytics, and technology company, which helps mortgage lenders gain the borrower and market insights they need to improve efficiency and make accurate decisions. Access differentiated consumer credit data, powerful consumer and market insights, and income and employment data from The Work Number.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.

Today's episode includes a primer on why recapture rates vary so much across the mortgage industry. Plus, Robbie interviews Alston & Bird's Stephen Ornstein on all things RESPA, as well as how regulation needs to be improved for the modern times we live in. And we close with a look at why the Federal Reserve's latest stress test reaffirmed the resilience of the U.S. banking system.Thank you to Equifax, a global data, analytics, and technology company, which helps mortgage lenders gain the borrower and market insights they need to improve efficiency and make accurate decisions. Access differentiated consumer credit data, powerful consumer and market insights, and income and employment data from The Work Number.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.

Today's episode includes storylines from around the mortgage industry. Plus, Robbie interviews Spring EQ's Reno Heine on differentiating oneself in the increasingly competitive home equity and non- QM markets, how technology and AI are shaping growth, and practical advice for brokers seeking new business opportunities. And we close with a look at various duration and prepayment profiles across the Agency MBS sector.Thank you to Equifax, a global data, analytics, and technology company, helps mortgage lenders gain the borrower and market insights they need to improve efficiency and make accurate decisions. Access differentiated consumer credit data, powerful consumer and market insights, and income and employment data from The Work Number.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.

Today's episode includes reports on the 21 st Century ROAD to Housing Act moving along. Plus, Robbie interviews HELIX's Carl Markman and Frank Perugini on improving borrower and loan officer experiences, accelerating loan processing, and growth in some of the fastest-expanding segments of the mortgage industry. And we close with a look at why Agency MBS posted modestly negative performance last week.Thank you to Equifax, a global data, analytics, and technology company, helps mortgage lenders gain the borrower and market insights they need to improve efficiency and make accurate decisions. Access differentiated consumer credit data, powerful consumer and market insights, and income and employment data from The Work Number.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.

Today's episode includes the practical realities of how advocacy gets done in the mortgage industry. Plus, Robbie interviews Class Valuation's Mark Walser on UAD 3.6: stages of panic versus planning, and what lenders can expect in the fall. And we close with a look at why investors and the Fed care about inflation.Thank you to Equifax. With Equifax's suite of mortgage solutions, mortgage lenders can use trusted, independently verified consumer and financial data and analytics to reduce manual processes, accelerate loan decisions, improve accuracy, manage risk, and enhance the borrower experience from initial application through ongoing loan servicing. 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.

Today's episode includes a discussion on creative ways the younger generation is making home ownership a reality. Plus, Robbie interviews Provident Bank's Bruno Viscariello on how rate lock-in, changing consumer behavior, and rising ownership costs are reshaping housing demand, affordability, and lender value propositions. And we close with a look at how recent changes to conventional underwriting have increased the issuance of lower-FICO mortgages.Thank you to Truework, a Checkr Company, 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.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.

Today's episode includes a look at the new Federal Reserve framework and initiatives under Chair Kevin Warsh. Plus, Robbie interviews National Consumer Reporting Association's Eric Ellman on the nomination of Brian Johnson to lead the Consumer Financial Protection Bureau, based on his extensive experience in financial services regulation and his understanding of how to balance consumer protection with access to credit, mortgages, and housing. And we close with some data from across the United States that reveals just how metro-specific housing really is.Thank you to Truework, a Checkr Company, 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.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.

Today's episode includes a look at how servicing can be a treasure trove if utilized correctly. Plus, Robbie interviews Addy AI's Michael Vandi on the importance of AI in improving efficiency and competitiveness, especially as a productivity tool for originators. And we close with a preview of how swap markets are pricing in the Federal Reserve's next move.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.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.

Today's episode includes reaction in bond markets to the peace deal in the Middle East, which is scant on details. Plus, Robbie sits down with TrustEngine's DaveSavage for a discussion on why the mortgage professionals who will thrive are those who obsess over delivering a modern, technology-enabled consumer experience, embrace AI to scale advice and efficiency, and focus on educating and advocating. And we close by looking at what is expected from the Fed meeting that begins today, the first under new Chair Warsh.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.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.

Today's episode includes a look at the latest economic snapshot and headlines making the news. Plus, Robbie sits down with Ally Carty discuss her transition from Guild Mortgage to SoFi and what she learned from stepping back. She reflects on burnout, the pressures of building a personal brand, and why authenticity - not algorithms - remains the foundation of effective content and leadership. And we close by talking about what the bond market is doing in reaction to a peace deal with Iran.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.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.

Today's episode includes a look how inflation at the consumer and producer levels are leading to "shrinkflation." Plus, Robbie interviews The Disciplined Investor's Andrew Horowitz on how investors assess what assets to invest in, and a portfolio manager's perspective on the current economic environment, and risk diversification as it pertains to MBS. And we close by going through the latest prepayment trends and performance in the mortgage sector.Thank you to JazzX, the first true end-to-end AI platform built for mortgage. From application to underwriting, JazzX is a new operating model that helps you scale growth, boost productivity, and transform how your team performs.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.

Today's episode includes a look into the shifting role of Bill Pulte in Washington D.C. Plus, Robbie interviews JazzX's Jagjit Singh on how close the mortgage industry truly is to the end-to-end mortgage. And we close by going through the latest Producer Price Index figures, which reveal inflation at the wholesale level.Thank you to JazzX, the first true end-to-end AI platform built for mortgage. From application to underwriting, JazzX is a new operating model that helps you scale growth, boost productivity, and transform how your team performs.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.

Today's episode includes a dive into the differences between credit scoring and credit pricing. Plus, Robbie interviews Automax.ai's Humza Ahmed on how residential property appraisal technology is evolving, the way it's built for UAD 3.6, and what is dramatically reducing turnaround times. And we close by going through the latest CPI inflation figures, which were roughly in-line with expectations.Thank you to JazzX, the first true end-to-end AI platform built for mortgage. From application to underwriting, JazzX is a new operating model that helps you scale growth, boost productivity, and transform how your team performs.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.

Today's episode includes some commonly asked questions from listeners. Plus, Robbie interviews Google's Sarah Armstrong on how AI search can make the home buying process feel less daunting and time-consuming by calculating finances, summarizing lengthy documents, or visualizing renovations. And we close by going through some classic Dear Abby jokes.Thank you to JazzX, the first true end-to-end AI platform built for mortgage. From application to underwriting, JazzX is a new operating model that helps you scale growth, boost productivity, and transform how your team performs.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.

Today's episode includes some trends that are increasingly reshaping housing demand. Plus, Robbie interviews Littler's Colton Long on how employers are increasingly responding to employee departures with legal action over alleged non-solicitation, confidentiality, and trade secret violations. And we close by looking at what payrolls data did to expectations for Federal Reserve policy.Thank you to JazzX, the first true end-to-end AI platform built for mortgage. From application to underwriting, JazzX is a new operating model that helps you scale growth, boost productivity, and transform how your team performs.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.

Today's episode includes a look at how money flows around the globe. Plus, Robbie sits down for an interview with MeridianLink's Larry Katz on how to simplify the complexity behind lending while empowering financial institutions to focus on what matters most: the people and communities they serve. The episode closes with May payrolls figures and what they say about the Fed's dual mandate balancing act.Thank you to Experian Verify, a comprehensive income and employment verification solution for mortgage lenders. By uniting instant payroll data, permissioned access, and research verification in one seamless experience, Experian Verify helps lenders reduce friction, accelerate decisions, and confidently verify every U.S. worker.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.

Today's episode includes some notable updates from the loanDepot LO comp lawsuit. Plus, Robbie sits down for an interview with BMO's Tom Parrish on why homeownership remains a cornerstone of the American dream even as affordability challenges, inflation pressures, and shifting buyer expectations increasingly keep prospective homeowners on the sidelines. The episode closes with a look at the capital markets beyond just geopolitical concerns and Federal Reserve predictions.Thank you to Experian Verify, a comprehensive income and employment verification solution for mortgage lenders. By uniting instant payroll data, permissioned access, and research verification in one seamless experience, Experian Verify helps lenders reduce friction, accelerate decisions, and confidently verify every U.S. worker.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.

Today's episode includes reaction to FHFA Director Bill Pulte being named the acting director of national intelligence. Plus, Robbie sits down for an interview with Experian's Sophia Cheung on simplifying and modernizing the verification process by consolidating multiple systems into a single platform, further streamlining workflows and increasing value. The episode closes with a look at MBS volume and performance across the month of May.Thank you to Experian Verify, a comprehensive income and employment verification solution for mortgage lenders. By uniting instant payroll data, permissioned access, and research verification in one seamless experience, Experian Verify helps lenders reduce friction, accelerate decisions, and confidently verify every U.S. worker.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.

Today's episode includes a discussion on the various mergers and acquisitions we are seeing around the mortgage and real estate industries. Plus, Robbie sits down for an interview with TD Bank's Scott Lindner on the shift in how first-time buyers are approaching homeownership, as affordability challenges continue to reshape expectations, timelines and financial preparation. The episode closes with a look ahead to how Federal Reserve Chair Warsh may reshape the central bank in his image.Thank you to Experian Verify, a comprehensive income and employment verification solution for mortgage lenders. By uniting instant payroll data, permissioned access, and research verification in one seamless experience, Experian Verify helps lenders reduce friction, accelerate decisions, and confidently verify every U.S. worker.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.

Today's episode includes a discussion on if future Federal Reserve rate hikes are warranted. Plus, an interview with Rob Chrisman and Movement Mortgage's Lyra Waggoner on breaking into mortgage banking, what it actually takes to run a lender day-to-day, and thinking differently about building careers, culture, and long-term success. The episode closes with a look ahead to this week's economic calendar, including +105k expectations for May payrolls.Thank you to Experian Verify, a comprehensive income and employment verification solution for mortgage lenders. By uniting instant payroll data, permissioned access, and research verification in one seamless experience, Experian Verify helps lenders reduce friction, accelerate decisions, and confidently verify every U.S. worker.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.

Today's episode includes a discussion on some poorly-trending data from the mortgage and housing markets, an interview with Pineapple's Shubha Dasgupta on the progress and process of mortgages being originated on the blockchain, (and the use cases and benefits to the mortgage and bond markets), and we close by looking back on the week that was.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.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.

Today's episode includes a discussion on the ever-changing slope of the yield curve, an interview with Sagent's Sridhar Sharma and Shane Leonard on how the latest and greatest in underwriting technology is reducing friction in the mortgage origination process, and what to expect from the Federal Reserve under new Chair Warsh.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.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.

Today's episode includes a discussion on the ways headlines are driving rate movements, an interview with NEO Home Loans Ryan Grant on the evolution of interactions between mortgage professionals and borrowers, and how companies can best provide support to origination staff, and what to expect from a busy economic calendar.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.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.

Topics on today's episode include rate expectations versus realities, an interview with David Lykken on transformation in mortgage lending over the past five-plus decades, as well as lessons on leadership, and renewed clashes in the Middle East and their impact on mortgage rates.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.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.

In today's episode, we go through MBA's recommendations about Basel III capital requirements. Plus, Robbie sits down with Insellerate's Josh Friend for a discussion on increasing loan officer and sales manager efficiency. And we close by looking at bond market movements from across the globe.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.This week's podcasts are sponsored by TransUnion. Discover how data-driven mortgage intelligence is helping lenders identify in-market borrowers, strengthen portfolio performance, personalize outreach, retain customers, and drive smarter growth in an increasingly competitive housing market.

In today's episode, we go through big takeaways from MBA's Secondary and Capital Markets Conference in New York City. Plus, Robbie sits down with TransUnion's Satyan Merchant for a discussion on the accelerating shift toward mortgage credit score competition, exploring how lenders should adapt to increasing model choice, evolving credit report innovation, operational complexity, alternative data, and the growing role of dynamic credit insights across the full mortgage lifecycle. And we close by looking at bond market movements from across the globe.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.This week's podcasts are sponsored by TransUnion. Discover how data-driven mortgage intelligence is helping lenders identify in-market borrowers, strengthen portfolio performance, personalize outreach, retain customers, and drive smarter growth in an increasingly competitive housing market.

In today's episode, we go through the shifting rate calculus of the Federal Reserve under new chairman Warsh. Plus, Robbie sits down with LendingTree's Rob Bhatt for a discussion on how home insurance costs are rising far faster than both inflation and household income growth nationwide. And we close by looking at what is expected under Warsh's Federal Reserve.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.This week's podcasts are sponsored by TransUnion. Discover how data-driven mortgage intelligence is helping lenders identify in-market borrowers, strengthen portfolio performance, personalize outreach, retain customers, and drive smarter growth in an increasingly competitive housing market.

In today's episode, we go through the shifting production composition as the yield curve steepens. Plus, Robbie sits down with Acrisure's Kristen Britton for a discussion on how lenders are balancing speed, automation, fraud prevention, and human oversight as remote closings reshape mortgage risk, identity verification, and the future framework of trust in digital transactions. And we close by looking at the shifting fundamentals in the bond market.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.This week's podcasts are sponsored by TransUnion. Discover how data-driven mortgage intelligence is helping lenders identify in-market borrowers, strengthen portfolio performance, personalize outreach, retain customers, and drive smarter growth in an increasingly competitive housing market.

In today's episode, we go through the costs of home ownership across major metropolitan areas. Plus, Robbie sits down with Lower's Craig Montgomery for a discussion on how strategic leadership is shaping lender growth in 2026 through effective team building, evolving production trends, competitive retail execution, and strong real estate agent relationships. And we close by looking at the shifting narrative surrounding Fed policy. 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.This week's podcasts are sponsored by TransUnion. Discover how data-driven mortgage intelligence is helping lenders identify in-market borrowers, strengthen portfolio performance, personalize outreach, retain customers, and drive smarter growth in an increasingly competitive housing market.

In today's episode, we go through the most up-to-date delinquency statistics from MBA. Plus, Robbie sits down with Click n' Close's Delores Lopes for a discussion on the role of a COO in this technological age, as well as women in leadership roles. And we close by summarizing the week that was.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.Today's podcast is brought to you by nCino. As conversations kick off this week at nSight 2026, mortgage professionals are exploring the technologies and strategies redefining origination experiences and transforming lead-to-loan economics. The nCino Mortgage Suite — Mortgage Point of Sale, Mortgage Analytics, and Incentive Compensation — helps lenders connect operations, insights, and borrower engagement in one modern platform. Learn more at nCino.com/mortgage.

In today's episode, we go through the recent performance of mortgage-backed securities (MBS). Plus, Robbie sits down with Flex's Ryan Metcalf for a discussion on how financial fragility is reshaping the foundation of homeownership demand, challenging traditional credit models, and forcing lenders and policymakers to rethink risk, readiness, and the role of demand-side solutions. And we close by walking through consumer consumption characteristics.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.Today's podcast is brought to you by nCino. As conversations kick off this week at nSight 2026, mortgage professionals are exploring the technologies and strategies redefining origination experiences and transforming lead-to-loan economics. The nCino Mortgage Suite — Mortgage Point of Sale, Mortgage Analytics, and Incentive Compensation — helps lenders connect operations, insights, and borrower engagement in one modern platform. Learn more at nCino.com/mortgage.

In today's episode, we go through the Federal Reserve's dual-mandate balancing act. Plus, Robbie sits down with nCino's Chris Gufford for a discussion on how AI is moving beyond hype to deliver measurable gains in mortgage operations, borrower experience, and loan officer productivity, while reshaping how forward-looking lenders reengineer their processes for the next phase of industry transformation. And we close by examining inflation at the wholesale level.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.Today's podcast is brought to you by nCino. As conversations kick off this week at nSight 2026, mortgage professionals are exploring the technologies and strategies redefining origination experiences and transforming lead-to-loan economics. The nCino Mortgage Suite — Mortgage Point of Sale, Mortgage Analytics, and Incentive Compensation — helps lenders connect operations, insights, and borrower engagement in one modern platform. Learn more at nCino.com/mortgage.

In today's episode, we go through what sort of profitability and volume some of the larger players in the mortgage industry are doing. Plus, Robbie sits down with Truework's Ethan Winchell for a discussion on how rising income volatility is reshaping homebuyer eligibility and what lenders must do to adapt to a more complex and less predictable income landscape. And we close by examining the latest inflation figures, which came in hot.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.Today's podcast is brought to you by nCino. As conversations kick off this week at nSight 2026, mortgage professionals are exploring the technologies and strategies redefining origination experiences and transforming lead-to-loan economics. The nCino Mortgage Suite — Mortgage Point of Sale, Mortgage Analytics, and Incentive Compensation — helps lenders connect operations, insights, and borrower engagement in one modern platform. Learn more at nCino.com/mortgage.

In today's episode, we go through what to look forward to from MBA's Annual Secondary and Capital Markets conference in New York. Plus, Robbie sits down with Eris Innovations' Geoffrey Sharp for a discussion on how to hedge non-Agency production, which has historically been difficult because these loans lack a liquid, standardized forward market (like the TBA market for agency loans) and carry high levels of prepayment, credit, and basis risk. And we close by examining reaction to non-farm payrolls as it pertains to U.S. economic growth.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.Today's podcast is brought to you by nCino. As the mortgage industry prepares for nSight 2026 this week, lenders are looking for new ways to work more efficiently and intelligently across the homeownership journey. The nCino Mortgage Suite — including Mortgage Point of Sale, Mortgage Analytics, and Incentive Compensation — helps unite the people, systems, and stages of modern mortgage lending. Learn more at nCino.com/mortgage.

In today's episode, we go through a primer on how current market gyrations are influencing prepayment speeds. Plus, Robbie sits down with Digital Risk's Kim Lanham for a discussion on how the Iran conflict and broader geopolitical uncertainty are influencing mortgage rates, borrower decision-making, servicing retention strategies, borrower assistance programs, and emerging credit and fraud risks across both Agency and non-QM lending. And we close by examining how nonfarm payrolls impact mortgage rates.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.Thank you to FirstClose, which provides fintech solutions to HELOC and mortgage lenders nationwide. Their home equity lending platform accelerates the home equity lending process, reducing application to closing times from 45 days to less than ten. 

In today's episode, we look at the latest earnings calls and quarterly results from across the mortgage industry. Plus, Robbie sits down with FirstClose's Dan Kellett for a discussion on how forward-thinking lenders are using automation, faster cycle times, and digital transparency to improve borrower experience, accelerate closings, and drive profitable growth in home equity lending. And we close by examining Federal Reserve Chairman Jerome Powell's tenure as it winds to a close.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.Thank you to FirstClose, which provides fintech solutions to HELOC and mortgage lenders nationwide. Their home equity lending platform accelerates the home equity lending process, reducing application to closing times from 45 days to less than ten.