Chrisman Commentary - Daily Mortgage News

11.3.26 Election Day; Polunsky Beitel Green's Marty Green on Housing Policy; Oil and Rates

While election outcomes may indirectly affect mortgage rates through political uncertainty, foreign policy, and regulatory priorities, the more immediate concern for lend

11.2.26 M&A Continues; Keynova's Beth Robertson on Home Equity Experience; Midterm Week

HELOCs and second mortgages are gaining traction as non-bank lenders capture increasing market share and leverage home equity products for customer recapture, while adjus

10.30.26 Shifting Clocks, Shifting Priorities; ACI Worldwide's Tom Warsop on Payments; FOMC Framework

The debate over eliminating daylight saving time continues as supporters favor simpler timekeeping and more evening daylight, while opponents warn that permanent clock ch

10.29.26 Fed Reaction; Sela's Nate Becker on Voice Agents; Economic Data Swath

As mortgage lenders increasingly explore AI for tasks such as underwriting, Anthropic’s warning that highly autonomous AI systems could pose catastrophic risks underscore

10.28.26 Fannie Mae Earnings; Steve Richman on Mortgage Industry Growth; Fed Decision Day

While inflation remains uneven despite eye-catching bargains like Costco’s $5.99 pumpkin pie, rising everyday costs continue to pressure mortgage rates, and water scarcit

10.27.26 Origination Costs; Areal’s Argun Kilic on Automation; Second Guess the Fed

In a shrinking residential market, IMBs must strategically avoid price wars with banks and credit unions by capping origination fees or loan officer compensation, while l

10.26.26 Politics and Lending; Stellar Innovations' Anish Thomas on Fulfillment; Competing Rate Forces

U.S. Treasury and agency MBS markets face heightened volatility as AI-related credit concerns spur safe-haven demand, while persistent inflation, elevated oil prices, haw

10.23.26 Trump's Executive Order; Former FHA Commissioner Frank Cassidy on Housing; Price Correlations

President Trump’s executive order aims to reduce housing and mortgage costs by directing federal agencies to develop a pilot program for proactive mortgage insurance canc

10.22.26 Administration Tactics; Experian’s Ryan Rosales on Verification; Housing Market Pressures

The White House is reportedly considering measures to improve affordability by easing mortgage insurance cancellations, expanding GSE title insurance programs, and reduci

10.21.26 Electronic Mailbag; Knock's Sean Black on Buy Before You Sell; Treasury Risk Haven

MBA Homebase now allows loan officers to access industry education, coaching, and professional development regardless of their employer’s membership status, while questio

10.20.26 AI Financing Boom; NFTYDoor's Tim Rowan on Home Equity; Housing Health

Fraud remains a serious and growing concern, with AI making it easier to create fraudulent documents and increasing the need for reliable verification services. Mortgage

10.19.26 Advertising Versus Marketing; AngelAi’s Pavan Agarwal on Automation; Bond Movement

Effective marketing requires understanding consumer behavior and recognizing that advertising is only one component of marketing, with AI increasingly playing a role, esp

10.16.26 National Takeaways; Realtor Arrian Binnings on Originator Relationships; Safe Haven Trade

The mortgage industry faces mounting pressure as the MBA projects 2027 mortgage production will decline 5% from 2026 and fall below $2 trillion, prompting lenders to redu

10.15.26 Demo Day; Polunsky Beitel Green's Andy Duane and Tye McWhorter on DSCR; Wholesale Inflation

The MBA’s 2026 policy roadmap proposes targeted administrative and regulatory changes to improve housing affordability without congressional action, including reducing GS

10.14.26 Credit Scoring; Owen Lee on MBA; Restrictive Financial Conditions

The mortgage industry is increasingly adopting VantageScore 4.0 as FHFA reforms expand its use in Fannie Mae and Freddie Mac lending, potentially improving credit access

10.13.26 National Storylines; nCino's Casey Williams on Process Friction; Incoming Data

The mortgage industry is balancing technological optimism with growing concerns about privacy, accountability, and leadership. As AI tools like AddyAI demonstrate the pot

10.12.26 MBA National Storylines; Saul Ewing's Jason McElroy on the Telephone Consumer Protection Act; Bond Markets Closed

The housing and mortgage industry faces a mix of long-term opportunity, near-term affordability challenges, and economic uncertainty. With 132.7 million occupied U.S. hou

10.9.26 Economic Strength; Floify's Maggie Swanson on Customizable Loan Apps; Prepayment Data

While U.S. stock market strength remains concentrated in the highly profitable "Magnificent Seven" tech companies, mortgage demand continues to weaken, with September 202

10.8.26 Trivia Night; Gather Markets’ Wayne Brown on CRA-Eligible Loans; Pushing Rates

With about 10,000 Americans turning 62 each day, companies should consider offering HECM products, especially as mortgage origination volumes are expected to decline roug

10.7.26 Headlines Into Annual; Ralo's Arjun Lalwani on Anthrotech Intersections; Fundamentals and Valuations

Ahead of next week’s National MBA conference, the mortgage industry is seeing heightened uncertainty, including layoffs, shifting Fannie/Freddie market-share dynamics, we