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.

It’s 2024: Do You Know Where Your Servicing Is?

February 9, 2024
Throughout late 2022 and all of 2023, a large number of mortgage servicing rights (MSR) blocks were sold and bought....Read More

Adjusting Loan Officer Compensation to Improve Profitability

January 11, 2024
The largest expense for most companies isn’t the new loan origination system, marketing campaigns, or rent. It is compensation. Compensation...Read More

How Treasury Auctions Influence Mortgage Rates

December 6, 2023
Have you ever purchased anything at an auction? Love them or hate them, in a free-market economy auctions are a...Read More

Listening to Real Estate Agents Can Pay Off for Originators

November 8, 2023
If we’ve learned anything from 2022 and 2023, it is that they are not 2020 and 2021. Volumes and margins...Read More

Mind the Down Payment

October 6, 2023
Yes, we’ve seen a big move higher in mortgage rates. But loan officers will tell you that the smart move...Read More

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

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