Chrisman Commentary

Today's Commentary · October 1, 2026

Oct. 1: LO jobs; eNote, non-Agency, spec pay-up, processing, heding tools; UAD 3.6 paused; Agency pricing changes

By Rob Chrisman

Welcome to the 4th quarter. Remember when, in 2024, the informal slogan for many in our biz was, “Stay alive ‘til ’25!”? (’27 isn’t expected to be heaven.) This is the month of Halloween. Suddenly residential lending is filled with tricks or treats, along with conferences of varying value. People are on the move: the jobs section of this Commentary has been filled with transitions and promotions. On a larger scale, the pace of company changes is picking up. Just when people are wondering if...

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Thought Leadership

Why Underwriting Is the Right Problem for AI to Solve First Naren Krishna
A Fiscal Challenge in the Form of Rising Rates Sam Valverde
If servicing is the strategic high ground, then why is servicing technology still broken? Kenneth Posner

Today's Podcast

Recent Commentary

Oct. 1: LO jobs; eNote, non-Agency, spec pay-up, processing, heding tools; UAD 3.6 paused; Agency pricing changes

October 1

Welcome to the 4th quarter. Remember when, in 2024, the informal slogan for many in our biz was, “Stay alive ‘til ’25!”? (’27 isn’t expected

Sep. 30: LO jobs; Jumbo ARM, compliance, AVM, borrower mining tools; Fairway’s Steve Jacobson interview; California MBA’s advocacy

September 30

Time flies. The last day of the third quarter. We just wrapped up Fat Bear Week 2026 in Alaska. (Congrats to Backpack.) Ringo Starr is

Sep. 29: LO jobs; AI marketing, SOC, HELOC fulfillment tools; Rocket makes VantageScore move but serious investor questions remain

September 29

Hispanic homeownership has room for improvement. We’re in the middle of National Hispanic Heritage Month, which goes from September 15 to October 15. (Mortgages With

Sep. 28: LO jobs; AI partnership, verification, U/W, PPE, margin mgt. tools; webinars; MISMO & FRAME offer; Buydown breakdown

September 28

“I decided to play golf with my cousin. On the third hole he said, ‘Let’s make this interesting.’ So we left and watched fishing on

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Thought Leadership

Oct. 1: LO jobs; eNote, non-Agency, spec pay-up, processing, heding tools; UAD 3.6 paused; Agency pricing changes

Podcast

Oct 1 10.1.26 Fourth Quarter Changes; Gateless’ Mike Brown on Automated Decisioning; Fed Chatter Abounds

Sep 30 9.30.26 Industry Mailbag; Fairway Independent’s Steve Jacobson on Pivots and Presence; Sell First

Sep 29 9.29.26 Hispanic Homeownership; Maxwell’s John Paasonen and PLACE’s Chris Stuart on Housing Ecosystems; Selling Pressures

Thought Leadership

Recent Episodes

Oct 1 10.1.26 Fourth Quarter Changes; Gateless’ Mike Brown on Automated Decisioning; Fed Chatter Abounds

Sep 30 9.30.26 Industry Mailbag; Fairway Independent’s Steve Jacobson on Pivots and Presence; Sell First

Sep 29 9.29.26 Hispanic Homeownership; Maxwell’s John Paasonen and PLACE’s Chris Stuart on Housing Ecosystems; Selling Pressures

Sep 28 9.28.26 Conference Activities; Falcon Capital Advisors’ Sam Valverde on Rate Environment; Buydown Attractiveness

Oct. 1: LO jobs; eNote, non-Agency, spec pay-up, processing, heding tools; UAD 3.6 paused; Agency pricing changes

Sep. 30: LO jobs; Jumbo ARM, compliance, AVM, borrower mining tools; Fairway’s Steve Jacobson interview; California MBA’s advocacy

Sep. 29: LO jobs; AI marketing, SOC, HELOC fulfillment tools; Rocket makes VantageScore move but serious investor questions remain

Sep. 28: LO jobs; AI partnership, verification, U/W, PPE, margin mgt. tools; webinars; MISMO & FRAME offer; Buydown breakdown

Why Underwriting Is the Right Problem for AI to Solve First

A Fiscal Challenge in the Form of Rising Rates

If servicing is the strategic high ground, then why is servicing technology still broken?