Rob Chrisman's Perspectives


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In addition to his daily commentary shared with thousands, mortgage industry maven Rob Chrisman regularly offers his thoughts on an industry topic in a blog-style article posted here, on the STRATMOR website.

Knowing CRA Developments is Critical

September 12, 2023
There are some things that are difficult, or impossible, to put back into the bottle. Genies, toothpaste, technology, and government...Read More
The next big mortgage technology change may be appraisals.

Improving Revenue May Be Right Under Your Nose

August 3, 2023
Here’s some earth-shattering news for you: companies make money by earning more than they spend. To improve their bottom line,...Read More

Interest Rates are Like the Weather? Or Like the Signs of the Zodiac?

July 10, 2023
“The only function of economic forecasting is to make astrology look respectable" (John Kenneth Galbraith).” Lenders and loan originators...Read More

Compensation: Ever Changing

June 12, 2023
In the first quarter of 2023 the Mortgage Bankers Association reported that total loan production expenses (commissions, compensation, occupancy, equipment,...Read More

Doing Business with the Agencies: The “Golden Ticket?”

May 9, 2023
The "Golden Ticket," of course, is the pass that allows the owner to get into Willy Wonka's Chocolate Factory. Once...Read More
What does an inverted yield curve mean to mortgage lenders?

The Yield Curve Is Inverted: Should Lenders Care?

April 11, 2023
The U.S. Treasury Curve is currently “inverted.” What does that mean? Should it matter to lenders? The fact is, the...Read More

A Penny Saved is a Penny Earned

March 8, 2023
When analyzing their business, lenders must take into account the huge increase in costs which the MBA has pegged at...Read More
valuation of a mortgage lending company is based on many factors

Lender Valuation

February 8, 2023
This article is sort of a version of myth busters — and this month I tackle the myth that mortgage...Read More

Productivity: More Important Than Ever

January 10, 2023
Ready or not, 2023 has begun. Lenders everywhere are examining their 2022 performance and wondering if they’ve made enough cuts...Read More

The Secondary Market’s Focus

December 11, 2022
Much of the lenders' focus is on the primary markets: customer satisfaction, processing effectively, and funding loans in a cost-effective...Read More

Supply and Demand Are Still Driving Mortgage Pricing

November 4, 2022
Despite the Federal Reserve ending their mortgage-backed security purchase program, this has not had a huge impact on prices. Namely,...Read More
Mortgage industry expert Rob Chrisman discusses the mortgage M&A environment.

Mergers and Acquisitions Continue On

October 4, 2022
Banks, credit unions, independent mortgage banks, brokers, vendors, and others in the residential lending business have various short-and long-term goals....Read More

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