Chrisman Commentary - Daily Mortgage News

Latest Episodes:

7.8.25 Market Sentiment; Polunsky Beitel Green's Peter Idziak on CFPB Funding; Light Data Jul 08, 2025

Show notes

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 market sentiment as it assesses the labor market. Plus, Robbie sits down with Polunsky Beitel Green’s Peter Idziak to discuss the recent Senate Parliamentarian’s decision blocking efforts to defund the Consumer Financial Protection Bureau via reconciliation and the implications for the agency’s independence and the broader mortgage lending framework. And we close by examining what to make of today's light economic calendar.

Thank you to Truework, the only all-in-one, automated VOIEA platform that helps mortgage providers achieve up to 50% cost savings with an industry leading 75% completion rate.

7.7.25 Texas Flooding; Truework's Ethan Winchell on Verifications; Treasury Supply Jul 07, 2025

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In today’s episode, we look at the the flooding in Texas' impact on housing inventory. Plus, Robbie sits down with Truework’s Ethan Winchell to discuss reshaping income and employment verification through automation, while balancing speed, accuracy, and fairness in an industry ripe for digital transformation. And we close by examining what to look forward to on this week's economic calendar.

Thank you to Truework, the only all-in-one, automated VOIEA platform that helps mortgage providers achieve up to 50% cost savings with an industry leading 75% completion rate.

7.3.25 Donald and Jerome; Optimal Blue's Jeff McCarty on Hedging; Payrolls Strong Surprise Jul 03, 2025

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In today’s episode, we look at the the latest salvo between Fed Chair Jerome Powell and President Donald Trump. Plus, Robbie sits down with Optimal Blue’s Jeff McCarty to discuss the growing importance of integrated, data-driven tools in secondary marketing to improve pricing precision, risk management, and efficiency, particularly as market volatility, product diversity, and AI adoption reshape the hedging and trading landscape. And we look at what was a surprisingly strong June payrolls report that will certainly keep the Fed from cutting rates on hold until September.

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. Lenders, give your borrowers an experience they will rave about. Learn more at figure.com.

7.2.25 Baltimore Appraisal Fraud; Halcyon's Kirk Donaldson on Origination Costs; Construction Spending Decline Jul 02, 2025

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In today’s episode, we look at the burgeoning appraisal scandal out of Baltimore. Plus, Robbie sits down with Halcyon’s Kirk Donaldson to discuss the question, “Why is it so expensive to originate a mortgage?” as well as an exploration of how automation, compensation models, regulatory burdens, and tech interoperability could reshape costs and lead to a more efficient future. And we look at the clap-back from Fed Chair Powell to President Donald Trump.

7.1.25 Budget Deficits; Bank United's Chris Huang on Bank Partnerships; Pressure The Fed Jul 01, 2025

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In today’s episode, we look at why markets remain cautious due to the looming prospect of increased U.S. debt issuance tied to growing budget deficits. Plus, Robbie sits down with Bank United’s Chris Huang to discuss trends that capital providers are seeing in mortgage originators and what to look for in bank partners or warehouse line counterparties. And we look at the substantial pressure being heaped on Fed Chair Powell.

6.30.25 State Regulators; Figure's Michael Tannenbaum on Blockchain; Condensed Week Jun 30, 2025

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In today’s episode, we look at the vacuum from the shrinking of the CFPB and how state regulators have stepped into the void. Plus, Robbie sits down with Figure’s Michael Tannenbaum to discuss stable coins, the latest happenings at Figure, and product proliferation in the mortgage industry as a result of borrower and investor demand. And we look at this week's packed economic calendar into a condensed week.

6.27.25 Buy Now Pay Later; Covius' Pete Pannes on Title; Fed Dependence Dollar Decline Jun 27, 2025

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In today’s episode, we go through FICO's announcement that buy now pay later purchases will be included in borrower's scoring. Plus, Robbie sits down with Covius' Pete Pannes to discuss the company's recent acquisition of Title 365. And we close with a look at why President Trump saying he will replace Fed Chair Powell is weakening the U.S. dollar.

Thank you to Optimal Blue. Optimal Blue bridges the primary and secondary mortgage markets to deliver the industry’s only end-to-end capital markets platform, helping lenders maximize profitability and operate efficiently so they can help American borrowers achieve the dream of homeownership.

6.26.25 GSIB Capital Rule; Optimal Blue's Sara Holtz on Mortgage Marketing; Jam-Packed Data Calendar Jun 26, 2025

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In today’s episode, we go through the Federal Reserve voting to make changes to the enhanced supplementary leverage ratio. Plus, Robbie sits down with Optimal Blue’s Sara Holtz to discuss how Optimal Blue approaches marketing as a market leader, keeping pace with product innovation, evolving with industry needs, and charting the future of strategic brand engagement. And we close with a look at what is a jam-packed U.S. economic calendar today.

6.25.25 Oil Price Seesaw; Polunsky Beitel Green's Marty Green on Conservatorship Exit; Treasury Demand Jun 25, 2025

Show notes

In today’s episode, we go through how oil prices and thus inflation and thus mortgage rates are being impacted by geopolitics in the Middle East. Plus, Robbie sits down with Polunsky Beitel Green’s Marty Green discuss why Fannie Mae and Freddie Mac's exit from conservatorship must be carefully structured to preserve market stability, and protect borrowers, lenders, and the broader economy. And we close with a look at what is driving demand at short-duration Treasury auctions.

6.24.25 Fed Cut Chatter; Marvin Chang on AI in Mortgage; Range Bound Rates Jun 24, 2025

Show notes

In today’s episode, we go through some news stories from around the mortgage industry. Plus, Robbie sits down with Duke professor Marvin Chang for a discussion on how mortgage lenders should prioritize AI, aligning LO incentives with company incentives, driving costs down, and securing a return on investment. And we close with a look at why rates have been range-bound despite the conflict in Iran.

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