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Welcome to Thought Leadership, your resource for insights and expertise in the mortgage industry. Explore articles, analyses, and interviews covering the latest trends, regulatory updates, and market dynamics. Whether you're a lender, broker, investor, or industry professional, Chrisman Commentary's Thought Leadership aims to provide the knowledge needed to navigate the evolving mortgage landscape.
Fannie and Freddie’s Path Out of Conservatorship: The Slow March Toward Clarity
The discussion around privatizing Fannie Mae and Freddie Mac has resurfaced under President Trump’s second term, based on heightened...
Marty Green
7 hours ago2 min read
Disney, Price Elasticity, and Mortgage AI
It’s hard to tell if this is an article about mortgage tech or just me ranting about how expensive my kids are. Bill Maher joked, “I...
Marcus Lam
7 hours ago4 min read
Rethinking Loan Officer Compensation: A Call for Industry-Wide Reform
Loan Officer Compensation (LO Comp) reform isn’t just a policy debate. It’s a litmus test for whether our industry can move beyond...
Brian Vieaux
4 days ago12 min read
Capital Markets Recap: July 3, 2025
Prior to today's robust June payrolls report, Treasury yields drifted toward the lower end of recent ranges this week, buoyed by falling...
Robbie Chrisman
Jul 32 min read
Contingencies Can Cost You the Keys
Wesley Costello is the Executive VP of Sales Operations at AnnieMac Home Mortgage. Homebuyers Need Strategy and Preparation to Succeed In...
Wesley Costello
Jun 303 min read
Triggering the Trade Associations
Trigger leads, Twitter feeds, and the changing DC game The headline in the June 24, 2025 Mortgage Bankers Association’s Newslink read,...
Brian S. Levy
Jun 309 min read
The Future of Mortgage Collateral Is Digital, and It’s Already Here
At the heart of mortgage lending is a simple axiom: the value of any loan rests on the quality of its collateral. For centuries, that...
Shawn Owen
Jun 303 min read
Dog Days of Summer: What Smart LOs Should Really Be Doing Right Now
You know what they say about July in this business. It's hot outside, but the pipeline’s cooling off. Interest rates aren’t dropping...
Brian Vieaux
Jun 302 min read
Capital Markets Recap: June 27, 2025
This week in the mortgage industry was defined by a confluence of political speculation, shifting economic data, and renewed momentum in...
Robbie Chrisman
Jun 302 min read
Marketing with Purpose: The New Rules of Innovation, Authenticity, and Impact in the Mortgage Industry
In the ever-evolving world of mortgage finance, marketing has undergone a transformation just as profound as the products and platforms...
Sara Holtz
Jun 262 min read
Rethinking Mortgage Operations: How AI Can Actually Lower Origination Costs
Mortgage lenders, ready for further adventures in the valley (of death), are at a crossroads. Despite massive tech spends, they continue...
Marvin Chang
Jun 254 min read
MLO VieauxPoint: Budget Like an Owner, Not a Renter
Let’s talk about the advice most homebuyers don’t hear. When a renter becomes a homeowner, something fundamental shifts, or at least it...
Brian Vieaux
Jun 233 min read
How Well Are Fannie, Freddie, and Ginnie Serving First-Time Home Buyers?
With the foundational mission of Fannie Mae, Freddie Mac, and Ginnie Mae centered around expanding access to homeownership, especially...
Robbie Chrisman
Jun 233 min read
Jerome Powell Caught Whispering “Higher for Longer” to Potted Plant During Live CNBC Interview
WASHINGTON, D.C. - In what sources are calling “deeply consistent with recent guidance,” Federal Reserve Chair Jerome Powell was caught...
Rich Swerbinsky
Jun 192 min read
Reimagining Mortgage Manufacturing: The Rise of Background AI
We’re entering an inflection point in AI’s evolution: One where the hype begins to give way to real business transformation. Among the...
Steve Butler
Jun 173 min read
Why Superior Client Service Is the New Compliance Strategy in a Deregulatory Era
Deregulation may ease oversight, but it raises the stakes. Without the scaffolding of regulatory mandates, trust becomes the only real...
Katie Wilson
Jun 164 min read
Why Mortgage Loan Officers Should Care About MISMO and How To Get Involved
Last week, I had the opportunity to attend the MISMO Summit in Boston, a gathering of the brightest minds shaping the standards that...
Brian Vieaux
Jun 163 min read
Navigating the Future of Fannie Mae and Freddie Mac: Stability, Exit, and the First-Time Homebuyer Dilemma
In the ongoing debate over the role and future of Fannie Mae and Freddie Mac, housing finance experts confront a core tension: balancing...
Jeremy Potter and Robbie Chrisman
Jun 133 min read
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