http://www.mortgagenewsdaily.com/topic/rob-chrisman Pipeline Press - Rob Chrisman https://www.mortgagenewsdaily.com/opinion/pipelinepress-04132026 Mon, 13 Apr 2026 15:01:35 GMT 69dce36c7c3e96b5a3875426 Rob Chrisman Products, Services, and Software for Brokers and Lenders FundingShield, the leader in wire & title fraud prevention, released its Q1‑2026 Wire Fraud Analytics & Risk Report showing 43.72 percent of transactions across a $106.7B+ portfolio carried material wire and title‑related defects. CPL discrepancies impacted 43.49 percent of transactions, wire instruction issues appeared at 6.92 percent, and licensing irregularities persisted at 2.37 percent, underscoring continued vulnerabilities across closing workflows. “Seeing a 14 percent lift in remediation efficiency shows the impact of embedding verification earlier in the lifecycle. FundingShield has evolved from a fraud‑prevention company into an infrastructure layer providing embedded cybersecurity fraud‑prevention solutions, delivering lenders clear ROI as these controls move toward soon‑to‑be mandatory compliance,” said Ike Suri, CEO of FundingShield. Q1 also saw heightened regulatory pressure and increased cyber activity targeting financial‑adjacent systems, reinforcing the need for real‑time, source‑level verification across settlement and vendor ecosystems. Contact Sales@fundingshield.com for demos or trials. Meet us at CMBA Mortgage Innovators Conference, MBA Secondary, Western Secondary, Make Your Mark 2026, MBA Annual. If you’ve ever tried asking your LOS a simple question and gotten a 12-tab scavenger hunt in return, you’ll appreciate Dark Matter Technologies’ transparency. At its Horizon user conference, CEO Sean Dugan didn’t just recap progress … he looked ahead and made promises. Not “we’re thinking about it” notions, but “we’ll deliver” promises. You don’t have to hold him to it; he’s holding himself to it. Dark Matter also rolled out Ask Aiva, a conversational AI tool that lets lenders and LOs query their data in plain English and see the logic behind the answer. Between now and Horizon 2027, it’s not about what Dark Matter might do; it’s watching them fulfill what they have committed to do. Mortgage News Daily 0 http://www.mortgagenewsdaily.com/rss/chrisman https://www.mortgagenewsdaily.com/opinion/pipelinepress-04102026 Fri, 10 Apr 2026 15:34:33 GMT 69d8ee6b3d409190a3462405 Rob Chrisman Products, Services, and Software for Brokers and Lenders Yesterday this Commentary mentioned a guide titled, “AI in the Workplace: Acceptable Use Policies, Data Risk, and the Discovery Trap.” Many wrote for the piece, which is now posted on the internet! Spring EQ (NMLS# 1464945) is hosting a webinar next week (Tuesday, April 14 at 2:00 p.m. ET) to help brokers capitalize on today’s home equity opportunity. With homeowners sitting on near-record levels of equity, including $34 trillion in total U.S. home equity, an average of $295,000 per homeowner, and 50% holding first mortgage rates under 4%, the market is primed for growth. In Why Home Equity? Why Now? Unlocking Opportunities in Today’s Market, attendees will gain insights into current trends and strategies to turn today’s conditions into new business. The opportunity is already translating into results, with Spring EQ partners earning an average of $3,574 per loan in 2025. Register today! Visit EMMA to price, process, and manage your loans today. Not a partner? Join here: Wholesale or Correspondent. New cash-specified payups from Fannie Mae and Freddie Mac are now live. Vice Capital Markets clients can already incorporate both into their execution strategies. With new low loan balance categories and expanded commitment grids for 30-year fixed-rate mortgages, lenders now have more precise pricing options across both agencies. Acting quickly on these updates can make a meaningful difference in best execution and secondary market performance. Vice Capital ensures clients are ready on day one. Through ViceEx, lenders can seamlessly integrate new agency payups, compare executions and refine delivery strategies without disruption. In a market where timing and precision matter, immediate access to both Freddie Mac and Fannie Mae updates helps lenders stay competitive and capture new opportunities as they emerge. See how Vice Capital helps lenders optimize execution strategy at ViceCapitalMarkets.com. Mortgage News Daily 0 http://www.mortgagenewsdaily.com/rss/chrisman https://www.mortgagenewsdaily.com/opinion/pipelinepress-04092026 Thu, 09 Apr 2026 15:52:31 GMT 69d79cff7f26c69f3104b6b9 Rob Chrisman VantageScore, created in 2006, is a joint venture by the three major credit bureaus (Equifax, Experian, and TransUnion). Will it change your lending process? Possibly. Do government regulations change your lending process? States have trigger lead requirement overlays, over and above what was enacted at the Federal level in March. (Talk to your attorney.) Some states are rumored to be looking at bundling credit report fees, referring to the practice of combining various charges associated with obtaining credit reports into a single, all-inclusive fee, which can “help eliminate hidden costs, improve compliance with regulations, and simplify the pricing structure for consumers and lenders alike.” Some companies, like Birchwood, discuss bundling and transparency. Interest rates are relatively transparent, and on today’s The Big Picture at 3PM ET Chris Bennett of Vice Capital Markets will discuss strategies given shifting rates, geopolitics, and framing hedging given the Fed’s thoughts. (Today’s podcast can be found here and this week’s ‘casts are sponsored by JazzX, the first true end-to-end AI platform built for mortgage. From application to underwriting, JazzX is a new operating model that helps you scale growth, boost productivity, and transform how your team performs. Hear an interview with OFA Group’s Thomas Gaffney on what real problems tokenization solves in mortgage finance today, where it will gain early traction in residential real estate, and how lenders can assess regulatory risk and platform credibility as the market evolves.) Mortgage News Daily 0 http://www.mortgagenewsdaily.com/rss/chrisman https://www.mortgagenewsdaily.com/opinion/pipelinepress-04082026 Wed, 08 Apr 2026 15:44:00 GMT 69d648d0bf43da8d8f464acf Rob Chrisman U.S. population growth slowed sharply between July 2024 and July 2025, rising just 1.8 million people (0.5 percent) to 341.8 million, the weakest growth since the early pandemic. This was driven primarily by a steep 54 percent drop in net international migration from 2.7 million to 1.3 million (the result of ICE?), while births and deaths remained relatively stable. Growth decelerated across nearly all states and regions, though the Midwest continued a modest resurgence with positive domestic migration for the first time this decade, South Carolina emerged as the fastest-growing state due to strong domestic inflows, and overall trends point to a structurally slower growth trajectory as both migration and natural population increase remain well below historical norms. Do you shift your lending based on demographics? (Today’s podcast can be found here and this week’s ‘casts are sponsored by JazzX, the first true end-to-end AI platform built for mortgage. From application to underwriting, JazzX is a new operating model that helps you scale growth, boost productivity, and transform how your team performs. Hear an interview with Asset Based Lending’s Kevin Rodman on balancing demand across its lending platforms by staying disciplined on risk, adapting to shifting investor behavior, and pursuing sustainable growth in a more cautious market cycle.) Products, Services, and Software for Brokers and Lenders “PlainsCapital Bank National Warehouse Lending, a subsidiary of Hilltop Holdings (NYSE: HTH), is committed to providing mortgage lenders with a sustainable funding source in an uncertain market. With over 30 years’ experience and a well-capitalized, diversified financial holding company, PlainsCapital Bank National Warehouse Lending provides confidence to meet our mortgage lending partners’ funding needs. With exceptional operational performance, and a focus on relationship-driven business geared towards long-term success, we do not dwell on unnecessary fees. With PlainsCapital Bank National Warehouse Lending there are NO non-usage fees, NO application or renewal fees, NO third party due diligence fees or Third Party Doc Custodians and NO interest charged on the day of loan settlement. If you attending the TMBA Annual Convention in Austin, TX and interested in learning more about PlainsCapital Bank National Warehouse Lending please contact Brent Amos or Deric Barnett.” Mortgage News Daily 0 http://www.mortgagenewsdaily.com/rss/chrisman https://www.mortgagenewsdaily.com/opinion/pipelinepress-04072026 Tue, 07 Apr 2026 15:53:21 GMT 69d4fa0e354d2ed66db2c18d Rob Chrisman Artificial intelligence is all the rage in conferences and webinars, and today’s Advisory Angle at 2PM ET, powered by STRATMOR Group. Sue Woodard and Garth Graham break down the biggest takeaways from ICE Experience 2026 and what they mean for lenders right now. The discussion focuses on borrower expectations, AI adoption, and how leading organizations are aligning strategy with long-term outcomes. Tomorrow’s "Mortgage Matters: The Weekly Roundup” presented by Lenders One, has the CHLA’s Scott Olsen discussing how and what independent mortgage bankers are doing in the current AI, regulatory, and origination environment. (Today’s podcast can be found here and this week’s ‘casts are sponsored by JazzX, the first true end-to-end AI platform built for mortgage. From application to underwriting, JazzX is a new operating model that helps you scale growth, boost productivity, and transform how your team performs. Hear an interview with Moder’s Erik Andersen on the company’s strategic partnership with Palantir Technologies to co-build an AI-powered mortgage operations platform.) Products, Services, and Software for Brokers and Lenders “AI in mortgage is everywhere, but where is it actually driving real results versus just hype? Join JazzX AI for on Monday, April 20th at 1PM ET/10AM PT for our webinar AI in Mortgage: From Pilot to Production - How Leading Lenders Are Deploying AI Today. We’ll be joined by leaders from across the industry to unpack how they’re prioritizing AI use cases, measuring ROI, and turning early experiments into meaningful impact. You’ll hear candid lessons on what’s working, what’s not, and how teams are thinking about time-to-value as AI adoption accelerates. Reserve your spot today to hear how leading lenders are turning AI into real results.” Mortgage News Daily 0 http://www.mortgagenewsdaily.com/rss/chrisman https://www.mortgagenewsdaily.com/opinion/pipelinepress-04062026 Mon, 06 Apr 2026 15:19:37 GMT 69d3a7d162061ffd853820a5 Rob Chrisman This year, “Bring a Kid to Work Day” is April 23. The name seems to have shifted: I remember “Bring Your Child to Work Day.” The population of the United States also shifts, something that lenders and originators are very aware of in the primary markets, and should be aware of in the secondary markets. Companies and job creators move, for various reasons. Population migration since 2019, accelerated by the pandemic, has shifted growth toward Sun Belt states like Texas and Florida while leaving places such as California flat and several Midwestern and Southern states declining, trends that are increasingly reshaping housing demand and mortgage market dynamics. Although purchase-driven Agency MBS issuance appeared slightly higher in dollar terms last year than in 2019, the reality is far weaker when measured by loan counts, down 28 percent nationwide, while regional population shifts are also influencing mortgage prepayment behavior and issuance patterns, with faster speeds and surging specified pool activity emerging in growth markets like Florida as traditional centers such as New York lose relative influence. (Today’s podcast can be found here and this week’s ‘casts are sponsored by JazzX, the first true end-to-end AI platform built for mortgage. From application to underwriting, JazzX is a new operating model that helps you scale growth, boost productivity, and transform how your team performs. Hear an interview with Nestment’s Niles Lichtenstein on giving first-time buyers the clarity, confidence, and plan to make homeownership happen.) Mortgage News Daily 0 http://www.mortgagenewsdaily.com/rss/chrisman https://www.mortgagenewsdaily.com/opinion/pipelinepress-04032026 Fri, 03 Apr 2026 14:51:46 GMT 69cfb5021103f1b2ee8a8493 Rob Chrisman Products, Services, and Software for Brokers and Lenders The team at Model Match has launched the first phase of a complete platform overhaul, reimagining how lenders access and act on real estate, mortgage, and borrower data. The release centers on a simplified search experience across loan officers, agents, offices, and companies, alongside a major data expansion pushing coverage beyond 6 billion records. Model Match also introduced Market Signals, a new dataset providing visibility into mortgage activity from application through funding across roughly one in every two U.S. mortgages, along with Borrower Retention, showing loan officers where their borrowers are refinancing. The overhaul features a mobile-first design and expanded insights into real estate offices and builder activity. Model Match is committed to bringing a fresh, transparent approach to connecting real estate, mortgage, and borrower data within a single platform. Existing accounts have access today. To see what the future of mortgage intelligence looks like, start a 14-day trial. AI has quickly become one of the most talked-about topics in mortgage, but that has not made it any easier to figure out what is actually useful. Join the Ohio Mortgage Bankers Association and LenderLogix CEO Patrick O’Brien on April 14 from 2:00 to 2:30 PM EST for The Hitchhiker’s Guide to AI in Mortgage Lending, a practical webinar focused on where AI is already creating value, how it is showing up in mortgage technology today, and how lenders can think more clearly about what matters versus what is just hype. Don’t panic. Register now. Mortgage News Daily 0 http://www.mortgagenewsdaily.com/rss/chrisman https://www.mortgagenewsdaily.com/opinion/pipelinepress-04022026 Thu, 02 Apr 2026 15:43:16 GMT 69ce63e9cd68a5a7637a9aac Rob Chrisman “Rob, what do you hear about Fannie & Freddie being released from conservatorship?” Not much. Although it may change with one random tweet, the idea & process of jettisoning them is not even “on the back burner”… It may be back in the refrigerator. Maybe 2031? Both are certainly building up their net worth, but they don’t have enough capital to be released based on the amount of capital required under an Administrative Rule. The U.S. Government doesn’t want to lose control, or the income, and MBS traders and investors don’t want to lose the government guarantee. Scott Bessent has said, a number of times, that he doesn’t want to do anything to raise mortgage rates. It’s also important to distinguish “release from conservatorship” from what Pulte has oft- tweeted/teased: that the government may sell off a portion of the shares it controls and capture some of the value of the GSEs but still control them from an ownership (and in-conservatorship) standpoint. Perhaps we’ll see some immediate affordability relief by changes in loan level price adjustment, gfee, or MIP changes. Maybe the government should take a hard look at homeowner’s insurance, permit fees, condo fees, utility hookup fees… (Today’s podcast can be found here and this week’s ‘casts are sponsored by RelCu. RelCu is the all-in-one agentic platform driving conversion, retention, and cross-sell across mortgage and deposits. Today’s features an interview with Relcu’s Abhi Thakur on how to improve decision-making, streamline consumer data management and engagement, and where tech needs to respect legacy knowledge of mortgage operations.) Mortgage News Daily 0 http://www.mortgagenewsdaily.com/rss/chrisman https://www.mortgagenewsdaily.com/opinion/pipelinepress-04012026 Wed, 01 Apr 2026 15:40:14 GMT 69cd11cd1d32d64abcf624ac Rob Chrisman Time flies, Apple turns 50 today, the first quarter is in the books, and here in Northern Nevada, like everywhere, lenders are watching trends and technology. There are all kinds of lists out there, but for those who prefer the CFPB’s data, there’s HMDA Market Share Dashboards for Origination Statistics. In terms of technology, there’s always something new in the AI lender world, and there are firms that specialize in it including Ocrolus, TRUE, Aiva AI & Automation, Marr Labs, TrustEngine, Friday Harbor, AiCR, Guideline Buddy, JazzX AI, and MOZAIQ listed in the Marketplace. “Credit” is a hot topic. Many are watching the FICO Score 10T (the “T” is for “trended”), and acceptance is growing in the primary and secondary markets. CrossCountry, for example, has embraced the scoring. Think of the old FICO scores as a snapshot of a borrower whereas the 10T is purported to be a video of the borrower. (Today’s podcast can be found here and this week’s ‘casts are sponsored by RelCu. RelCu is the all-in-one agentic platform driving conversion, retention, and cross-sell across mortgage and deposits. Today’s features an interview with Bloomberg’s Erica Adelberg on MBS investor sentiment, spread movements, and changes in prepayment characteristics with volatile rates.) Products, Services, and Software for Brokers and Lenders “Cash Out Refinance! Are your borrowers struggling to get needed cash-out from a refinance? Are you trying to limit LLPA’s to make deals work? Symmetry’s Piggyback HELOC can close simultaneously or within 120 days after the 1st mortgage refinance closes with rates as low as Prime + 0 percent margin up to 89.99 percent CLTV (760+ mid FICO, primary residence, 200K min. draw, 500K max line, 5 year draw term).These game changing options work for borrowers who need extra cash-out or if an appraisal comes in low. Use our piggyback offerings can make a big impact on your borrowers! Symmetry Lending.” Mortgage News Daily 0 http://www.mortgagenewsdaily.com/rss/chrisman https://www.mortgagenewsdaily.com/opinion/pipelinepress-03312026 Tue, 31 Mar 2026 15:52:39 GMT 69cbbe72d9552ea75107dd1c Rob Chrisman Appraisal methodology and analysis have changed over the years, and we’re about to undergo another major alteration with UAD 3.6. Some investors are ahead of the 11/2/26 curve. For example, Newrez is now accepting loans from clients who have adopted the Uniform Appraisal Dataset (UAD) 3.6 Appraisal and Forms Redesign and submitted via the Uniform Collateral Data Portal (UCDP) “for all conforming loans and non-QM loans (Smart Series). Government (FHA, VA, and USDA), JUMBO AUS and Closed-end seconds loans must continue using the UAD 2.6 appraisals.” This write up by AXIS AMC’s Mike Simmons is a good primer: all appraisals, to be eligible for sale to Fannie and Freddie, must be submitted in UAD (Uniform Appraisal Dataset) 3.6 format. Class Valuation’s Mark Walser told me that lenders need to have begun setting up the process and planning in the first quarter of 2026, and spend the 2nd and 3rd quarters testing and transitioning their appraisal volume to it. I am sure that it will be a topic on tomorrow’s interview with Deephaven’s Tom Davis, sponsored by L1. (Today’s podcast can be found here and this week’s ‘casts are sponsored by RelCu. RelCu is the all-in-one agentic platform driving conversion, retention, and cross-sell across mortgage and deposits. Today’s features an interview after 6AM PT with Guild Mortgage’s Terry Schmidt on understanding borrower behavior, adoption of AI-driven and digital capabilities, affordability, and access, and both cultural and structural shifts toward data-driven proactive lending.) Mortgage News Daily 0 http://www.mortgagenewsdaily.com/rss/chrisman