Chrisman Commentary - Daily Mortgage News

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

August prepayments strengthened the view that the 2026 refinance wave has peaked, with Fannie 30-year speeds falling 12 percent to 7.1 CPR and Ginnie II also slowing, lea

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

Private mortgage insurers say they are operationally and financially prepared for the transition to VantageScore 4.0, but lenders will need to ensure their systems correc

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

Rocket is again getting ahead of FHFA by raising conforming loan limits early, potentially to around $853,400, giving lenders a competitive opportunity to capture increme

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

FICO shares fell 17 percent after FHFA Director Bill Pulte immediately expanded mortgage-lender access to rival VantageScore, intensifying competition and raising concern

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

The world is aging at an unprecedented pace, with the U.S. share of adults 65+ projected to rise from 18.9 percent in 2025 to 23.4 percent by 2060, signaling major long-t

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

Rocket Mortgage is aggressively targeting UWM brokers with its “Moving Squad” program and $10,000 referral bonuses amid RESPA compliance questions, while NEXA Lending exp

9.2.26 Nuances of Affordability; Lender Toolkit's Brett Brumley on Technology; Rates Not Friendly

A global government-bond sell-off, fueled by heavy borrowing, widening deficits, persistent inflation, and surging corporate debt issuance tied to AI investment, is pushi

9.1.26 Fun With Numbers; Zillow's Meg McGrath Vaccaro on Origination at Search; MSR Historicals

As Q3 2026 progresses amid weak homebuying demand, stubborn rates, and roughly $11K origination costs, lenders are focused on improving pull-through while adapting their

8.31.26 Fair Housing Update; Two Dots’ Henson Orser on Underwriting; Warsh's Birdsong

More than 100 community-based fair housing organizations facing potential funding cuts received a reprieve after a federal judge in Massachusetts blocked HUD’s FY2025 fun

8.28.26 Originators and Technology; Figure's Alysse Guitar on Marketing; Jackson Hole Symposium

Mortgage innovation should focus not on digitizing outdated workflows, but on rethinking the loan lifecycle around trusted data, intelligent decisioning, automation, gove

8.27.26 Industry Calendar; MIAC's Dan Libby on MSR Analysis; Caution Abounds

The mortgage industry has a packed schedule of conferences and events from September 2026 through June 2027, covering lending, compliance, AI, technology, finance, and ne

8.26.26 Borrower Relationships; Experian’s Michele Bodda on Modern Scoring; Rate Pressures

The mortgage industry is increasingly recognizing that the homeowner relationship should extend well beyond origination, using servicing, home equity, insurance, partners

8.25.26 Wonders of Technology; Deluxe's Adria Liss on Home Buyer Protection; Long Bond Chatter

Technology is transforming industries while creating new risks around AI’s impact on education, liability, and accountability, leaving lenders to determine how best to us

8.24.26 DC Movers and Shakers; Tidalwave's Chris McLendon on Agentics; Treasury Intervention

Mortgage servicing can create significant wealth, so concentration risk matters, especially as sharp declines in Fannie Mae and Freddie Mac shares and leadership departur

8.21.26 Originators Helping Borrowers; NonQMVerifi’s Danny Flucke on Qualification; Pulling Bond Support

Prospective homebuyers should focus on what they can control: saving as much as possible for a down payment, distinguishing needs from wants, considering more affordable

8.20.26 Follow the Money; Renovo Financial’s James Gaskin on Relationships; U.S. Security Demand

The broader “follow the money” theme is hard to ignore: U.S. national debt has surpassed $40 trillion while lawmakers are questioning whether a significantly downsized HU

8.19.26 Loan Production Costs; Polly's Brandon Story on Capital Markets Tech; Long Bond Rising

Mortgage lenders continued their recovery in Q2 2026, with average production profits rising to $973 per loan and 85 percent of surveyed companies remaining profitable, d

8.18.26 Servicing Disasters; Yardi's Doug Ressler on Home Ownership Trends; Fed on Hold

Extreme weather patterns are increasingly shifting where property and insurance risks are concentrated, with drought worsening in the West and Midwest while tornado activ

8.17.26 Escrows and Midterms; Bipartisan Policy Center’s Emma Waters on Housing Reform; Rate Review

The administration is advancing a wide range of controversial housing and credit proposals while Congress has largely shifted to campaigning, leaving federal agencies wit

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 househ