Chrisman Commentary

In this month’s episode, Sue Woodard and Garth Graham sit down with Brian Vieaux, CMB, the newly appointed President of MISMO, for a deep dive into one of the most critical forces shaping the future of mortgage lending: data standards. Brian shares insights from his transition into the MISMO leadership role and discusses why standardization especially the MISMO Credit Data (MCD) standard is so vital for today’s mortgage ecosystem, with particular benefit to IMBs navigating increasing pressure around accuracy, efficiency, and interoperability. Sue, Garth and Brian will explore how MISMO collaborates with the Mortgage Bankers Association (MBA) and its committees, including RESBOG, to ensure the industry moves forward in a unified, accountable way. They’ll also highlight how a new MISMO Workgroup formed at RESBOG’s direction is taking on one of the industry’s most urgent topics: establishing guardrails for the responsible use of AI in mortgage lending. Tune in for a timely, practical conversation that unpacks where the industry is headed and how thoughtful standards and collaboration can pave the way. Link to register for the show can be found in the comments below!

🎙 Don’t miss next week’s episode of Now Next Later! Next week on Now Next Later, hosts Jeremy Potter and Sasha Stair, CMB®, are joined by Paul Gigliotti, CEO of the California Mortgage Bankers Association, for a timely conversation on how states are approaching innovation, AI oversight, and community investment requirements. They’ll also look at why California’s approach may shape national trends and preview emerging priorities as the industry heads toward 2026. Register in the comments below!

THOUGHT LEADERSHIP | Voice of the Industry Mortgage servicing has moved from a back-office afterthought to one of the most strategic, valuable, and competitive assets in mortgage banking. In this newest piece, Chairman and Chief Executive Officer at PENNYMAC, David Spector explains how servicing now fuels recapture, drives borrower loyalty, anchors origination strategy, and delivers resilience through every market cycle. Technology, scale, and execution are redefining what it means to be a modern servicer, and the firms that align their tech strategy with real mortgage expertise will set the pace for the next decade. Read the full article in Chrisman Commentary: https://lnkd.in/gGZtzPxm #MortgageIndustry #Servicing #Innovation #CapitalMarkets #ThoughtLeadership #ChrismanCommentary

Tomorrow on Last Word, Brian Vieaux, CMB, Kevin Peranio, Courtney Thompson, and Christy Soukhamneut break down the first labor report in months and what it signals for lenders as we head into year-end. The panel also covers the latest credit report cost increases, Thanksgiving-week dynamics, and key takeaways from FHLMC Connect and Branches of the Future both held 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. Click the link in the comments below to register!

Tune in Tuesday for the latest Mortgages With Millennials show! Robbie and Kristin Messerli are joined by Bri Lees from NEO Home Loans and Leslie W. Colley from Depth for a conversation on what it really takes to stand out with today’s younger borrowers and what vendors must do to stay relevant in a shifting B2B landscape. They’ll cover: • How millennial buyer behavior is reshaping messaging, branding, and trust • What types of content are performing best in B2C and B2B channels • How to use AI responsibly in marketing without losing authenticity • The biggest PR and reputation mistakes companies make • The top high-impact actions LOs and companies can take to build a durable personal brand Find the registration link in the comments below!

THOUGHT LEADERSHIP | Capital Markets Insight The mortgage market is shifting again, not through headline-grabbing changes, but through the quiet adjustments in pricing, credit policy, product design, and risk management that shape day-to-day decisions. In this new piece, Rob Chrisman breaks down how ARMs are resurfacing, how LLPAs are influencing borrower behavior, and how evolving credit philosophies and uncertain economic data are redefining how lenders manage risk. For lenders, the message is clear. The firms that win in this cycle will be the ones who understand the interconnected impact of pricing, hedging, credit, and market structure. Read the full article in Chrisman Commentary https://lnkd.in/gMDMq9G2

This week on The Big Picture, Rob Chrisman and Rich Swerbinsky sit down with Diane Yu, Co-Founder and CEO of Tidalwave, for a fast-paced conversation on where mortgage technology is headed and what “agentic AI” really means for lenders. Diane shares the Tidalwave origin story, the real-world workflow problems her team set out to solve, and why so much of today’s AI hype misses the point. They’ll dig into where most mortgage tech platforms fall short, how agentic AI is already driving measurable results for originators, and why design, UX, and human-centered thinking matter just as much as the underlying models. Expect a clear, candid look at what’s real, what’s noise, and what innovations will define the next evolution of the mortgage tech stack. Register in the comments below!

THOUGHT LEADERSHIP | Credit and Innovation Credit reports are no longer snapshots. They are becoming living, dynamic records that reveal how consumers manage their finances over time. In this new piece, TransUnion's Satyan Merchant explains how trended and alternative data are transforming mortgage lending by improving accuracy, expanding access, and helping lenders understand the full story behind each borrower. This shift represents more than a technical upgrade. It is a strategic rethinking of financial identity and the path to responsible homeownership. Read the full article in Chrisman Commentary: https://lnkd.in/g99XBWeP

THOUGHT LEADERSHIP | Capital Markets Insight A 50-year mortgage may sound like an affordability breakthrough, but Robbie Chrisman explains why the idea is more mirage than solution. The modest payment reduction comes with sharply higher total interest, slower equity growth, and structural challenges for lenders, investors, and policymakers. This piece dives into the true impact of extended loan terms and why the real path to affordability lies in increasing housing supply, not stretching amortization. Read the full article in Chrisman Commentary:  https://lnkd.in/gMK8skH4

🎙 Don’t miss next week’s episode of Now Next Later! On next week’s episode of Now Next Later, hosts Jeremy Potter and Sasha Stair, CMB®, are joined by Wendy Lee for a candid conversation on the rising pressure of mortgage defaults and what the latest signals mean for lenders and servicers. They’ll dig into HUD’s new CAFMV program, upcoming bankruptcy rule changes, and the operational realities servicers are navigating as early-stage delinquencies begin to shift. Register in the comments below!