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Chrisman Commentary - Daily Mortgage News

Chrisman Commentary - Daily Mortgage News

Hosted by Chrisman LLC

Episodes

500

Latest episode

Aug 2026

Language

EN-US

About the show

The Chrisman Commentary podcast provides daily insights into the mortgage industry, covering market trends, capital markets, and regulatory changes. Hosted by Robbie Chrisman, each episode delivers expert analysis and industry perspectives on the forces shaping housing finance. Whether it’s mortgage rates, lending news, or economic shifts, the podcast offers a clear, concise breakdown of the most important developments. More at www.chrismancommentary.com .

Listen to episodes

60 recent
August 14, 202621 min

8.14.26 Wages Versus Inflation; UpPayment recipient Tiffany Bauldwin on Home Ownership; Treasury Demand

Homeownership remains fundamentally tied to stable employment and household cash flow, yet with prices up 23 percent versus 22 percent wage growth since 2021, many households are losing purchasing power despite higher nominal incomes, underscoring the importance for lenders of disciplined vendor management and ensuring third-party providers operate efficiently together to protect returns on equity. Robbie interviews UpPayment recipient Tiffany Bauldwin on her first-time home buyer journey, including how achieving homeownershiphas shaped her confidence, future, and long-term financial outlook. And the podcast closes with retail sales figures, which are not inflation adjusted.Thank you to Optimal Blue. Optimal Blue’s Profitability Center unifies pricing, hedge performance, pipeline activity, profitability, and market intelligence into one personalized dashboard, giving mortgage lenders faster, more complete insights to make better capital markets decisions.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.

August 13, 202622 min

8.13.26 Home Affordability; Hometap's Jeff Glass on Home Equity; Specified Pool Execution

Mortgage secondary execution is increasingly a value-optimization exercise rather than a simple Agency versus non-Agency decision, as growing non-Agency investor demand can make private execution more attractive even for loans that qualify for Agency delivery, while expanding non-QM demand creates additional outlets for high-yielding, well-performing assets. Robbie interviews Hometap's Jeff Glass on the latest and greatest from the home equity space. And the podcast closes with why specified pool pricing volatility is making things tough for secondary marketing desks out there.Thank you to Optimal Blue. Optimal Blue’s Profitability Center unifies pricing, hedge performance, pipeline activity, profitability, and market intelligence into one personalized dashboard, giving mortgage lenders faster, more complete insights to make better capital markets decisions.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.

August 12, 202619 min

8.12.26 Non Agency Production; Angel Oak's Tom Hutchens on Non QM; Technology and Information Intersection

The rise of non-Agency and equity lending reflects a fundamental shift in the borrower and economic landscape: record home equity, widespread sub-5 percent mortgage rates and the lock-in effect, high consumer debt, and a growing number of mortgage-free homeowners are driving demand for equity extraction that Fannie Mae and Freddie Mac often cannot accommodate, making adaptation increasingly essential for lenders. Robbie interviews Angel Oak's Tom Hutchens on the latest from the non-QM space. And the podcast closes with why the industry's most persistent sources of value creation haven't really changed: Secondary markets reward institutions for interpreting uncertainty more effectively, investors have lacked clarity (as opposed to lacking data), and every mortgage-backed security is ultimately a collection of assumptions about borrower behavior, prepayment incentives, housing markets, labor conditions, and interest rates.Thank you to Optimal Blue. Optimal Blue’s Profitability Center unifies pricing, hedge performance, pipeline activity, profitability, and market intelligence into one personalized dashboard, giving mortgage lenders faster, more complete insights to make better capital markets decisions.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.

August 11, 202619 min

8.11.26 Conference Chatter; Redwerk's Konstantin Klyagin on AI Governance; Bond Directionality

There's a widening divide among mortgage lenders as higher rates and a purchase-driven market reward strategic flexibility. Robbie interviews Redwerk's Konstantin Klyagin on how AI in mortgage lending must be governed as an entire decision-making system, requiring rigorous testing of data, integrations, permissions, escalation, edge cases, and audit trails. And the podcast closes with why the bond market sold off to open the week as renewed optimism around sustained U.S. pressure on Iran pushed crude oil prices higher,Thank you to Optimal Blue. Optimal Blue’s Profitability Center unifies pricing, hedge performance, pipeline activity, profitability, and market intelligence into one personalized dashboard, giving mortgage lenders faster, more complete insights to make better capital markets decisions.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.

August 10, 202629 min

8.10.26 Earnings Season; CMBA's Paul Gigliotti on Advocacy; Spreads and Gains

Second-quarter mortgage earnings highlighted a widening divide between lenders adapting to a prolonged purchase-driven, higher-rate market, and those struggling with weaker volumes and profitability, reinforcing that the winners will ultimately be the companies that preserve the greatest strategic optionality rather than simply betting on the next rate cycle. Robbie interviews California MBA’s Paul Gigliotti on the Western Secondary Conference, and cohesive advocacy efforts. And the podcast closes with why mortgage markets benefited from lowering Treasury yields last week, with Agency MBS posting broad-based gains and spreads continuing to improve, although primary mortgage rates remain near one-year highs, keeping borrowers largely on the sidelines.Thank you to Optimal Blue. Optimal Blue’s Profitability Center unifies pricing, hedge performance, pipeline activity, profitability, and market intelligence into one personalized dashboard, giving mortgage lenders faster, more complete insights to make better capital markets decisions.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.

August 7, 202615 min

8.7.26 AI Fears; Wilqo’s Tiffany Jacobelli on Team Building; Payrolls Friday

As AI dominates industry discussions, many see parallels to earlier fears that automated underwriting would replace human underwriters, yet the enduring need for human expertise (along with persistently high mortgage rates) continues to showcase the value of loan professionals and programs like Mortgage Credit Certificates that help improve home affordability. Robbie interviews Wilqo’s TiffanyJacobelli on building scalable teams, processes, and operational frameworks that can handle mortgage volume surges without sacrificing quality, compliance, or borrower experience. And the podcast closes with markets reaction to the July payrolls report.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.

August 6, 202620 min

8.6.26 UWM Earnings; MSF's Dawn Dawson on Mortgage Marketing; Ginnie Mae Custom Pools

UWM reported a mixed second quarter, with lower loan volume, a significant net loss, and a suspended dividend offset by a record $2.05 billion capital raise to strengthen its balance sheet, while management remains focused on competitive pricing and long-term positioning despite ongoing criticism. Robbie interviews Mortgage Solutions Financial’s Dawn Dawson on modern mortgage marketing. And the podcast closes with why Treasuries extended their rally as weak ADP hiring data, mixed global economic signals, and falling oil prices reinforced safe-haven demand ahead of Friday’s payrolls report, while broader labor market trends and continued growth in Ginnie Mae custom pools highlighted deeper structural shifts in employment and mortgage markets.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.

August 5, 202624 min

8.5.26 M&A Activity; HomeLight's Nick Friedman on Borrower Psychology; Mortgage Applications

Treasuries and Agency MBS have rallied on easing geopolitical tensions, while resilient labor market data, a narrowing trade deficit, and steady purchase-driven mortgage issuance reinforced expectations that the Fed will remain focused on inflation even as higher mortgage rates continue to suppress refinancing activity. Plus, Robbie interviews HomeLight’s Nick Friedman on how affordability challenges are evolving as the housing market adjusts to higher borrowing costs. And the podcast closes with the latest look at mortgage applications from MBA.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.

August 4, 202623 min

8.4.26 Moving and Shaking; Vesta's Mike Yu on Mortgage Technology; Weary Agency MBS

As the mortgage industry prepares for a busy fall conference season, consolidation remains a defining theme, highlighted by reports that Mason-McDuffie Mortgage has agreed to sell its production business to Place/Envoy Mortgage while exploring a separate sale of its corporate entity and agency approvals. Plus, Robbie interviews Vesta’s Mike Yu about being on the cutting edge of designing mortgage technology. And the podcast concludes with how the Treasury plans to finance itself in the coming quarter.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 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.

August 3, 202621 min

8.3.26 Early Information Access; Aon's John Dickson on Flood Insurance; Market Stability

Non-QM lenders see opportunity in stricter condominium underwriting standards introduced by the FHFA, while broader markets continue to underscore the premium value of timely information, highlighted by reports of potential changes to the Fed's meeting schedule and the launch of a subscription service offering paying clients early access to market-moving Truth Social posts. Plus, Robbie interviews Aon’s John Dickson on the evolution of disaster modeling and how it is impacting the mortgage industry from origination through the capital markets. And we close by examining Treasury and MBS market stability in the wake of last week's Federal Reserve meeting.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 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.

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