Catch up with the Last Word team as they dive into the latest industry events, regulatory changes, and evolving technology in mortgage lending. This episode is packed with sharp commentary, real-world insights, and discussions relevant to today’s professionals. - Updates on recent industry conferences including NMLS and servicing events - Insights on state vs. federal regulation, CFPB, and home affordability - The impact of AI and technology on mortgage compliance and loan officer roles - The importance of clear regulation and how multi-state audits are changing the landscape - Breaking news on economic data, mortgage rates, and upcoming events in the industry TIMESTAMPS 00:00 Insights from NMLS Conference 06:10 Rocket Pro's Vision and Detroit Insights 09:02 Regulators, Lenders Collaborate on Costs 13:24 State Lending Regulations and CFPB Trends 14:35 "Regulation Shifts and Hot Buttons" 20:09 "AI Transcription Risks and Opportunities" 24:29 "AI Enhances, Doesn't Replace Loan Officers" 27:04 Walmart and Amazon Converge 30:22 Northeast Mortgage Summit Insights 32:02 "Goodbye" CONNECT: 🔔 Subscribe for weekly mortgage industry insights 📩 Daily Newsletter: https://www.chrismancommentary.com/subscribe 🎧 Podcast: https://www.chrismancommentary.com/podcast 💼 Chrisman Commentary: https://www.chrismancommentary.com KEYWORDS NMLS conference, mortgage industry, regulators, compliance, ICE experience, Freddie Mac, home affordability, CFPB, state audits, AI in lending, Rocket Pro, Detroit, loan officers, multi-state exams, data breaches, ADA compliance, personal branding, conferences, snow, Basel III, servicing, real estate, consumer choice, technology, coaching, federal regulation, vertical integration HASHTAGS: #MortgageIndustry #MortgageRegulation #AIinMortgage #HomeAffordability #RocketMortgage #CFPB #LendingTechnology #PersonalBranding #MortgageNews #LastWord #ChrismanCommentary #HousingFinance #Compliance #BaselIII #MortgageEvents

Get the latest mortgage industry insights in this episode of The Last Word, where Christy, Coby Halkir, and Kevin Peranio break down major news and market trends. From Valentine’s Day stories to industry consolidation, dive right in for quick, actionable updates. - Personal Valentine’s Day stories and how they relate to client outreach - Current market predictions, interest rates, and economic sentiment - Rising delinquencies and consumer confidence impact - Industry consolidation: Pennymac’s acquisition of Senlar and Wells Fargo’s MSR sales - State and federal housing policy changes affecting affordability and taxes TIMESTAMPS 00:00 "Valentine's Day Through My Daughter" 05:01 "Market Trends and Rate Shifts" 08:31 "Conflicting Economic Signals Reviewed" 10:27 Consumer Sentiment and Market Impacts 12:39 "Big Banks Cede Mortgage Market" 18:01 "MSR Trading Opportunities Now" 22:06 State Tax Portability and Spending 25:18 Welfare Fraud and Wasted Funds 27:56 "Evolving Housing Market Outlook" CONNECT: 🔔 Subscribe for weekly mortgage industry insights 📩 Daily Newsletter: https://www.chrismancommentary.com/subscribe 🎧 Podcast: https://www.chrismancommentary.com/podcast 💼 Chrisman Commentary: https://www.chrismancommentary.com KEYWORDS Valentine's Day, market predictions, mortgage rates, 10-year Treasury, jobs report, inflation, home prices, wage growth, consumer sentiment, delinquencies, Pennymac acquisition, Senlar, Wells Fargo MSR sale, servicing consolidation, regulatory scrutiny, property taxes, housing affordability, advocacy, IMBs, spring housing market, optimism, True sponsor HASHTAGS: #MortgageIndustry #MarketTrends2024 #PennyMac #Senlar #WellsFargo #IMB #HousingFinance #MortgageRates #HousingAffordability #Advocacy #ChrismanCommentary #LastWord #MortgageNews #Servicing #SpringHousingMarket

Get the inside scoop on the latest trends and updates from the mortgage industry as the Last Word team recaps the IMB conference and unpacks what's fueling optimism for 2024. This week's episode gets right to the essentials—conference highlights, market outlooks, and the tech and tactics shaping the future. - Key takeaways from the recent IMB conference, including industry attendance, vibes, and the impact of weather on engagement - The latest market data: originator licensing trends, Fannie Mae projections, and what rising MBS issuance could mean this year - A look into compliance topics and how underrepresented groups like brokers are getting a much-needed spotlight - Social media and texting strategies for loan officers to stay top of mind and win more business - How economic policy shifts, labor data, and fiscal responsibility could impact rates, affordability, and the broader mortgage landscape Tune in to catch the no-nonsense commentary and practical tips you need to stay ahead in today’s market. TIMESTAMPS 00:00 Optimism in Mortgage Industry Trends 05:02 Social Media's Influence on Narratives 11:00 "Strong Industry Conference Attendance" 14:06 Mortgage Industry's New Direction 16:05 "Healthy Market with Rising Listings" 18:33 "Stay Connected, Stay Top-of-Mind" 23:35 "Loan Officers Need More Visibility" 25:46 "Weak Labor Market Driving Rates" 28:39 Government Subsidies: Economic Consequences 32:20 Inflation, Debt, and Fiscal Policy CONNECT: 🔔 Subscribe for weekly mortgage industry insights 📩 Daily Newsletter: https://www.chrismancommentary.com/subscribe 🎧 Podcast: https://www.chrismancommentary.com/podcast 💼 Chrisman Commentary: https://www.chrismancommentary.com KEYWORDS IMB conference, mortgage industry, compliance panel, refinance market, social media marketing, MBA predictions, industry optimism, Fed policy, labor market, Mismo, home equity lending, text marketing, employment data, government regulation, economic outlook, soft landing, loan officer strategies, Christman commentary, industry networking, Super Bowl #MortgageIndustry #IMBConference #MISMO #LoanOfficers #MortgageNews #Refinance #HousingMarket #ChrismanCommentary #MortgageCompliance #MortgageTrends #MortgageLeadership #MortgageMarketing

Get the latest industry insights and straightforward commentary as the Last Word team breaks down the week’s hot topics. Join Kevin Peranio, Brian Vieaux, and Coby Halkir for matter-of-fact discussion on news shaping mortgage, real estate, and markets. Key highlights in this episode: - Reactions and implications of the new Fed chair nomination, with behind-the-scenes political maneuvering. - The current state of interest rates, inflation, and what it means for spring purchase season. - Industry conference circuit updates, including the upcoming IMB Conference and leadership summit. - The growing trend of vertical integration in the real estate and mortgage sectors, and its compliance challenges. - Impact of recent class action lawsuits and regulatory scrutiny on customer experience and retention strategies. TIMESTAMPS 00:00 "Fed Independence and Inflation Hawk" 05:50 "Fed Decisions vs. Presidential Goals" 07:56 "Debate Over Rate Cuts Influence" 10:42 "Debt, Rates, and Fiscal Reckoning" 16:07 "Mortgage Leadership & Peer Insights" 18:49 "Challenges in Real Estate Growth" 23:04 Vertical Integration and Market Impact 25:10 "Driving Retention Through Integration" 28:34 "Mortgage Practices and Lawsuits" 30:00 "Analyzing Real Estate Costs" CONNECT: 🔔 Subscribe for weekly mortgage industry insights 📩 Daily Newsletter: https://www.chrismancommentary.com/subscribe 🎧 Podcast: https://www.chrismancommentary.com/podcast 💼 Chrisman Commentary: https://www.chrismancommentary.com KEYWORDS Fed chair nomination, mortgage rates, inflation, quantitative easing, committee decisions, bond market, real estate, refinance business, customer experience, vertical integration, compliance, CFPB, regulatory risks, class action lawsuits, Sitzer Burnett, loan officer strategies, mortgage industry conferences, peer to peer roundtable, economic forecasts, affordability, retention. #MortgageIndustry #FederalReserve #PRMG #FinLocker #NowNextLater #ChrismanCommentary #MortgageRates #HousingFinance #RealEstateTech #RegulatoryCompliance #VerticalIntegration #EconomicForecast #IMBConference #CustomerRetention

In this episode of Last Word, the hosts dive into pressing issues in the mortgage industry, from honoring industry legends to tackling the soaring costs of credit reports. Join Brian Vieaux, Coby Halkir, and Kevin Peranio for a fast-paced, no-nonsense roundtable. - A tribute to industry leader Kurt and the legacy he leaves behind - The debate on high credit report costs and challenges in the current mortgage process - Contrasting viewpoints: MBA’s single file credit proposal vs. CHLA’s implementation concerns - Potential solutions for lowering origination costs, including borrower-owned credit reports and new pre-qual options - A quick-fire wrap-up with football playoff predictions and market outlook updates Don’t miss this episode if you want direct insights on the changes and conversations shaping the future of lending. TIMESTAMPS 00:00 Credit Report Infrastructure Discussion 05:08 Mortgage Credit Cost Perspectives 11:28 Rethinking Credit Report Ownership 15:13 "Optional Lending System Debate" 17:59 "Credit Strategy Discussion Insights" 20:06 "Flexible Lending Policy Options" 22:35 Combating Credit Costs Effectively 26:40 "Advocating Industry Solutions Together" 29:29 "Inflation, Rates, and Fed Outlook" CONNECT: 🔔 Subscribe for weekly mortgage industry insights 📩 Daily Newsletter: https://www.chrismancommentary.com/subscribe 🎧 Podcast: https://www.chrismancommentary.com/podcast 💼 Chrisman Commentary: https://www.chrismancommentary.com KEYWORDS credit report, mortgage industry, MBA, CHLA, mortgage costs, tri merge, single file credit, lenders, borrowers, credit data, mortgage origination, credit score, housing policy, mortgage standards, regulatory advocacy, GSEs, loan manufacturing, Friday Funhouse, financial industry, credit bureaus, data quality, mortgage innovation, borrower experience, industry conversation, rate cuts, home loans #MortgageIndustry #MortgageCreditCosts #CobyHalkir #LastWord #NowNextLater #ChrismanCommentary #CreditReporting #TriMerge #MortgageNews #FICO #HousingFinance #MBAvsCHLA #MortgageRates #MortgageLending #MortgageAdvocacy #LenderStrategy

Get the latest industry insights and some real-life laughs from the Last Word team as they cover market updates, mortgage predictions, and daily life stories. Join Brian Vieaux, Christy Soukhamneut, Kevin Peranio, and Courtney Thompson as they dig into the big conversations shaping the mortgage world right now. - Snow day stories, tech tips, and the evolving neighborhood hustle - The struggle of engaging mortgage customers with outdated and modern communication - Regulatory changes, state involvement, and the rising costs of compliance - Mortgage rate predictions for 2024 and their impact on buyers and servicers - Affordability challenges, new loan product proposals, and the critical role of local loan advisors TIMESTAMPS 00:00 "Lawn Guru: Affordable Snow Plowing" 05:01 "Effective Text Message Strategies" 07:13 "Mailbox Rule Clarification Issues" 11:51 "Challenging Binary Thinking" 13:37 Rate Predictions for 30-Year Mortgages 18:33 "Front-Loaded Economic Stimulus Impact" 20:30 Loss Mitigation and Loan Affordability 24:29 "Future Boom in HEA Products" 28:01 "Impact of Lower Mortgage Rates" 29:39 "Speculative Policies and Public Reaction" 32:48 "Patience and Kindness" KEYWORDS mortgage rates, home loans, servicing, technology, AI, regulations, text messaging, snail mail, real estate, affordability, insurance, refinance, prepayment penalty, HEA, HEI, local loan officer, market predictions, compliance, delinquencies, employment, first-time buyers, patience, housing market, family, community, winter, snow, Florida, Michigan, Austin

Kicking off the new year, the Last Word team dives straight into the latest trends and critical issues impacting mortgage executives. This episode covers what's moving the industry and how leaders are sharpening their focus in 2024. - The rising cost to originate loans and how tech like TRU's AI is targeting operational efficiency - Real-time perspective on policy changes, market liquidity, and the impact on mortgage rates - Insights into data standardization, servicing vs. origination, and where MISMO fits in the conversation - The effect of global events (like the Venezuela situation) on the mortgage and capital markets - Each host shares their "word of the year" for 2024 and its significance for industry leadership Subscribe for no-nonsense, executive-level insight every month. Founded by industry veteran Rob Chrisman, the Chrisman Commentary is your trusted source for mortgage industry insights and updates. Whether you're a mortgage broker, lender, investor, or industry enthusiast, Chrisman Commentary will keep you informed and ahead of the curve in this dynamic and ever-evolving industry. Join our community and stay on top of the latest trends in mortgage lending. TIMESTAMPS: 00:00 "True Mortgage: Cutting Loan Costs" 05:06 "Shift Left Philosophy Discussed" 08:08 "First Show and Word Sharing" 10:51 "Inflation, Housing, and Market Trends" 13:33 "Strategizing an IPO with MBS" 19:45 Drug Impact, Market Reaction, Uncertainty 23:00 Technology Investments and Industry Consolidation 23:45 "Making People Happy" 28:55 "Standing Firm in My Path" 30:50 "Returning Next Friday Updates" KEYWORDS mortgage industry, origination costs, MISMO, data standards, automation, loan manufacturing, mortgage technology, servicing, AI platforms, M&A activity, operational efficiency, lender profitability, Fannie Mae, Freddie Mac, MBS liquidity, home price appreciation, regulatory policy, market outlook, Venezuela, board member insights, industry trends, TRUE sponsor, executive leadership, strategic alignment #mortgagenews #chrismancommentary #mortgageindustry #mortgagelending #mortgage

This week on Last Word, Kevin Peranio, Courtney Thompson, and Rob Chrisman wrap up the final show of 2025 with a look back at the year that was in mortgage. The panel reflects on the biggest themes, surprises, and lessons from 2025, shares expectations and predictions for 2026, and hands out informal year-end awards recognizing standout people and companies across the industry. Last Word is your ultimate destination for incisive analysis and spirited discussions on the hottest topics affecting the mortgage sector each week. Tune in for expert opinions, forecasts, and critical insights to keep you informed and ahead of the curve. Founded by industry veteran Rob Chrisman, Chrisman Commentary is your trusted source for mortgage industry insights and updates. Whether you are a mortgage broker, lender, investor, or industry enthusiast, Chrisman Commentary will keep you informed and ahead of the curve in this dynamic, ever-evolving industry. Join our community and stay on top of the latest trends in mortgage lending. #ChrismanCommentary #MortgageRates #HousingMarket #MortgageIndustry

This week on Last Word, our Fed-focused panel unpacks the key takeaways from the latest meeting and what the path of rate cuts now looks like. We also look at why mortgage rates have drifted back toward early-year lows, why applications remain sluggish despite improved affordability, and whether rising 2026 loan limits still matter in today’s market. Plus, they break down Michael Burry’s big bet on Fannie Mae and Freddie Mac and what it signals for GSE reform and capital markets heading into 2026. Last Word is your ultimate destination for incisive analysis and spirited discussions on the hottest topics affecting the mortgage sector each week. Tune in for expert opinions, forecasts, and critical insights to keep you informed and ahead of the curve. Founded by industry veteran Rob Chrisman, Chrisman Commentary is your trusted source for mortgage industry insights and updates. Whether you are a mortgage broker, lender, investor, or industry enthusiast, Chrisman Commentary will keep you informed and ahead of the curve in this dynamic, ever-evolving industry. Join our community and stay on top of the latest trends in mortgage lending. #ChrismanCommentary #MortgageRates #HousingMarket #MortgageIndustry

This week on Last Word, Brian Vieaux, Kevin Peranio, and Christy Soukhamneut break down the MISMO and CSBS Tech Sprint and what lenders should be doing now to prepare for next year, including insights highlighted in a recent Startmor analysis. The panel also covers rising credit report costs, current rate movements, PCE data, and what to expect as the industry adjusts to a new Federal Reserve Chair. Plus, a reminder about the MBA Future Leaders program for those looking to advance their careers. Last Word is your ultimate destination for incisive analysis and spirited discussions on the hottest topics affecting the mortgage sector each week. Tune in for expert opinions, forecasts, and critical insights to keep you informed and ahead of the curve. Founded by industry veteran Rob Chrisman, Chrisman Commentary is your trusted source for mortgage industry insights and updates. Whether you are a mortgage broker, lender, investor, or industry enthusiast, Chrisman Commentary will keep you informed and ahead of the curve in this dynamic, ever-evolving industry. Join our community and stay on top of the latest trends in mortgage lending. #ChrismanCommentary #MortgageRates #HousingMarket #MortgageIndustry

This week on Last Word, Brian Vieaux, Kevin Peranio, Courtney Thompson, and Christy Soukhamneut break down the first labor report in months and what it means for lenders heading into year-end. The panel also covers the latest credit report cost increases, Thanksgiving-week dynamics, and key takeaways from FHLMC Connect and the Branches of the Future conferences both happening in Austin and conveniently under the same roof. Last Word is your ultimate destination for incisive analysis and spirited discussions on the hottest topics affecting the mortgage sector each week. Tune in for expert opinions, forecasts, and critical insights to keep you informed and ahead of the curve.

This week on Last Word, Brian Vieaux, Kevin Peranio, Courtney Thompson, and Christy Soukhamneut break down the latest headlines shaping lending and housing. The panel tackles the renewed debate over the 50-year mortgage, what the potential end of the government shutdown could mean for borrowers and lenders, the rise of the 15-year car loan, and growing conversations around portable mortgages and their implications for affordability and mobility. Last Word is your ultimate destination for incisive analysis and spirited discussions on the hottest topics affecting the mortgage sector each week. Tune in for expert opinions, forecasts, and critical insights to keep you informed and ahead of the curve.

This week, Brian Vieaux, Kevin Peranio, Courtney Thompson, and Christy Soukhamneut discuss the upcoming Mortgage Compliance Dataset Tech Sprint and why it matters for every compliance leader. They’ll cover what this virtual workshop aims to achieve, how it could reshape regulatory collaboration, and what lenders can expect from this landmark industry initiative. Last Word is your ultimate destination for incisive analysis and spirited discussions on the hottest topics affecting the mortgage sector each week. Tune in for expert opinions, forecasts, and critical insights to keep you informed and ahead of the curve.

This week on The Last Word, Brian Vieaux, Kevin Peranio, and Courtney Thompson break down a pivotal Fed week marked by rate cuts and lower interest rates. They’ll also unpack the ongoing government shutdown and what a leadership change at Fannie Mae could mean for lenders, investors, and the broader housing market. Last Word is your ultimate destination for incisive analysis and spirited discussions on the hottest topics affecting the mortgage sector each week. Tune in for expert opinions, forecasts, and critical insights to keep you informed and ahead of the curve.

his week, Brian Vieaux, Kevin Peranio, and Courtney Thompson discuss highlights from MBA Annual and how the ongoing government shutdown could affect borrowers’ ability to pay and broader market stability. They also unpack what “shutdown economics” means for lenders, policymakers, and the housing industry heading into year-end. Last Word is your ultimate destination for incisive analysis and spirited discussions on the hottest topics affecting the mortgage sector each week. Tune in for expert opinions, forecasts, and critical insights to keep you informed and ahead of the curve.

This week, Brian Vieaux, Kevin Peranio, Courtney Thompson, and Christy Soukhamneut unpack how the ongoing government shutdown is affecting lenders and the broader housing market. They also discuss rates touching new year lows, the implications of Chair Powell’s comments on a weakening labor market, and why the Fed’s shifting focus from inflation to employment could shape lending strategy in the months ahead. Last Word is your ultimate destination for incisive analysis and spirited discussions on the hottest topics affecting the mortgage sector each week. Tune in for expert opinions, forecasts, and critical insights to keep you informed and ahead of the curve.

This week, Brian Vieaux, Courtney Thompson, and Christy Soukhamneut wrap up a busy week by discussing the latest on the government shutdown, key takeaways from recent industry conferences, and what the Fifth Third–Comerica merger could mean for lenders. They also touch on rate movements, market sentiment, and what to watch heading into the MBA Annual. Last Word is your ultimate destination for incisive analysis and spirited discussions on the hottest topics affecting the mortgage sector each week. Tune in for expert opinions, forecasts, and critical insights to keep you informed and ahead of the curve. #ChrismanCommentary #lastword #MortgageNews

This week on Last Word, Courtney Thompson, Christy Soukhamneut, and Robbie Chrisman discuss the scaling up and down of the mortgage industry, where innovation needs to come from, and how a cooperative approach could benefit the whole mortgage industry. Last Word is your ultimate destination for incisive analysis and spirited discussions on the hottest topics affecting the mortgage sector each week. Tune in for expert opinions, forecasts, and critical insights to keep you informed and ahead of the curve.

This week, Brian Vieaux, Kevin Peranio, and Christy Soukhamneut dive into issues about delinquencies, student loans, trigger leads, and new credit scoring updates that are reshaping how lenders compete for borrowers in 2025. Last Word is your ultimate destination for incisive analysis and spirited discussions on the hottest topics affecting the mortgage sector each week. Tune in for expert opinions, forecasts, and critical insights to keep you informed and ahead of the curve.

On this episode of Last Word, Brian Vieaux, Kevin Peranio, and Courtney Thompson dive into issues about the political and legal drama around the Fed’s Independence. They discuss concerns over political interference in the Fed, which are adding extra tension, with markets bracing for volatility depending on the policy signal and credibility of the outcome. Last Word is your go-to for expert opinions, forecasts, and analysis on the mortgage sector each week. #ChrismanCommentary #lastword #MortgageNews