Episode Details

With about 10,000 Americans turning 62 each day, companies should consider offering HECM products, especially as mortgage origination volumes are expected to decline roughly 8–10 percent and rising rates may further pressure margins and forecasts. U.S. fixed-income markets face mounting pressure from high debt, inflation, oil shocks, and an uneven AI boom, while restrictive Fed policy and rising Treasury yields have pushed 30-year mortgage rates to 7.49 percent, worsening housing affordability.

Robbie interviews Gather Markets’ Wayne Brown on recurring challenges for banks and originators in finding, matching, and efficiently processing CRA-eligible loans, leading to Gather’s focus on using data, technology, and compliance infrastructure to connect the right loans with the right bank buyers.

Persistent fiscal deficits, heavy Treasury issuance, high oil prices, and geopolitical risks are keeping long-term rates elevated and the yield curve steepening, with upcoming Treasury auctions and CPI data serving as key market tests.

This week’s podcasts are presented by Floify, the mortgage industry’s leading point-of-sale platform. Dynamic Apps, which can be seen at booth 600 during MBA Annual next week, lets lenders create fully customizable loan applications for any loan type, including HELOCs, construction, agricultural lending, non-QM and more, without custom development.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.