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l><url><loc>https://www.robchrisman.com/feb-3-mortgage-jobs-flood-bill-update-non-qm-investor-list-is-lending-moving-toward-brokers-small-lenders/</loc><lastmod>2014-02-03T05:36:59-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-4-mortgage-job-arch-buys-cmg-mi-new-program-from-new-penn-do-the-agencies-assess-early-pay-off-penalties/</loc><lastmod>2014-02-04T05:12:30-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-5-mortgage-jobs-more-on-epo-info-divining-industry-trends-from-bank-earnings-radian-results-green-trees-broker-biz-exit/</loc><lastmod>2014-02-05T05:38:36-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-6-mortgage-jobs-e-signatures-advance-something-smells-fishy-in-the-primary-secondary-markets/</loc><lastmod>2014-02-06T02:59:05-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-7-bank-merger-mania-cfpb-on-using-hmda-data-exam-procedures-wells-ocwen-servicing-deal-iced/</loc><lastmod>2014-02-07T02:38:50-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-8-letters-on-bank-vs-non-bank-lo-licensing-early-pay-off-penalties-the-difference-between-rules-and-laws-etc/</loc><lastmod>2014-02-08T04:46:48-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-10-mortgage-company-opportunity-nmls-updated-compensation-survey-appraisal-news-hud-changing-application-process/</loc><lastmod>2014-02-10T05:03:14-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-11-mortgage-jobs-barclays-lay-offs-fifth-third-cuts-washington-indiana-mortgage-company-purhased/</loc><lastmod>2014-02-11T05:12:29-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-12-mortgage-jobs-3-fee-clarification-state-compliance-news-including-washingtons-unusual-requirements/</loc><lastmod>2014-02-12T04:52:48-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-13-mortgage-jobs-the-market-for-servicing-is-spooked-which-could-hit-mortgage-pricing-is-phh-mortgage-up-for-sale/</loc><lastmod>2014-02-13T05:43:17-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-14-mortgage-jobs-bofa-layoffs-wells-volume-up-to-65-purchase-lender-updates/</loc><lastmod>2014-02-14T05:38:24-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-15-the-current-state-of-builder-business-preferred-lenders-incentives-and-the-cfpbs-take-on-it-a-great-joke/</loc><lastmod>2014-02-15T04:51:04-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-17-mortgage-jobs-servicing-market-continues-to-chug-along-lender-investor-updates/</loc><lastmod>2014-02-17T04:51:35-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-18-mortgage-jobs-new-lo-referral-service-harp-expansion-update-mba-comp-survey-possible-hmda-change-info/</loc><lastmod>2014-02-18T03:28:30-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-19-mortgage-company-opportunities-economics-dallas-fed-study-of-bank-capital-leverage/</loc><lastmod>2014-02-19T02:00:52-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-20-mortgage-jobs-cas-mortgage-tax-snafu-lender-loans-for-millennials-bank-merger-mania/</loc><lastmod>2014-02-20T05:39:40-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-21-resmacs-new-wholesale-channel-wells-fannie-freddie-suspicious-activity-reports/</loc><lastmod>2014-02-21T05:48:10-08:00</lastmod></url><url><loc>https://www.robchrisman.com/bank-versus-non-bank-originator-licensing-march-31-is-approaching-warning-note-on-giving-valuations-to-borrowers/</loc><lastmod>2014-02-22T05:01:37-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-24-mortgage-jobs-more-on-lo-licensing-fannies-numbers-reflect-trends-but-do-they-review-files/</loc><lastmod>2014-02-24T05:42:50-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-25-mortgage-jobs-1st-alliance-selfie-penalty-by-the-cfpb-what-about-loans-that-become-non-qm-thoughts-on-lo-signing-bonuses/</loc><lastmod>2014-02-25T04:12:55-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-26-mortgage-jobs-inc-it-vs-chase-layoffs-servicing-continues-to-trade-occ-issues-mortgage-handbook-for-banks/</loc><lastmod>2014-02-26T03:37:20-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-27-mortgage-jobs-groups-react-to-tax-changes-chatter-about-subprime-loans-a-misnomer/</loc><lastmod>2014-02-27T04:39:23-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-28-mortgage-jobs-realtor-lawsuit-ocwen-in-the-hotseat-who-is-william-erby-bank-mergers-continue-shrinking-numbers/</loc><lastmod>2014-02-28T03:41:50-08:00</lastmod></url><url><loc>https://www.robchrisman.com/march-1-notes-on-overcapacity-borrower-lender-paid-comp-cfpb-realtors-builders-requesting-pre-approvals/</loc><lastmod>2014-03-01T02:47:46-08:00</lastmod></url><url><loc>https://www.robchrisman.com/march-3-mortgage-jobs-freddie-rates-continue-lower-due-to-overseas-events/</loc><lastmod>2014-03-03T03:09:04-08:00</lastmod></url><url><loc>https://www.robchrisman.com/march-4-mortgage-jobs-servicing-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>2014-09-08T04:38:05-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-6-letters-on-vendor-management-interest-rate-risk-the-general-industry-and-millennials-from-a-real-live-millennial/</loc><lastmod>2014-09-08T13:05:57-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-9-mortgage-jobs-morgan-stanley-settles-mi-operating-stats-usmi-weighs-in-on-pmiers/</loc><lastmod>2014-09-09T05:05:30-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-10-mortgage-jobs-usda-changes-genworth-on-pmier-apps-at-14-year-low-new-lender/</loc><lastmod>2014-09-10T05:41:23-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-11-mortgage-jobs-bank-m-more-on-usda-changes/</loc><lastmod>2014-09-11T05:50:47-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-12-mortgage-jobs-possible-cra-changes-freddie-qc-software-compliance-boot-camp-in-hawaii/</loc><lastmod>2014-09-12T05:41:59-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-13-notes-on-social-media-using-credit-reports-cfpb-updates-payday-lenders-lender-vendor-updates/</loc><lastmod>2014-09-13T05:25:42-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-15-mortgage-production-lead-generator-agency-updates-fed-week/</loc><lastmod>2014-09-15T04:57:15-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-16-mortgage-jobs-sec-probe-of-bankrate-amerisave-impac-macquarie-and-non-qm/</loc><lastmod>2014-09-16T05:40:29-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-17-mortgage-jobs-eminent-domain-update-gmfszaishf2-combination-virginia-lawsuit-new-penns-non-qm-fact-sheet/</loc><lastmod>2014-09-17T05:34:03-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-18-mortgage-jobs-cobalt-stearns-caliber-bank-and-mortgage-bank-ma-rolls-on-is-the-consumer-better-off/</loc><lastmod>2014-09-18T03:28:40-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-19-jobs-continue-stearns-new-exec-cfpbs-auto-loan-news-upcoming-training-and-events-yaarrrr/</loc><lastmod>2014-09-19T05:38:11-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-20-letters-on-the-usda-backlog-changes-respa-tila-bank-of-america-and-why-volumes-are-dragging/</loc><lastmod>2014-09-20T03:14:41-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-22-mortgage-jobs-the-current-state-of-lender-ma-and-why-mortgage-companies-big-and-small-are-moving/</loc><lastmod>2014-09-22T02:58:16-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-23-wholesale-jobs-fha-changes-on-their-way-servicing-on-the-move-upcoming-events-of-interest/</loc><lastmod>2014-09-23T03:18:02-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-24-mortgage-jobs-2013-hmda-data-out-mbs-holdings-in-flux-student-debt-impact-quantified/</loc><lastmod>2014-09-24T04:57:33-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-25-mortgage-jobs-bank-m-vendor-updates-are-you-ready-for-autumn-winter-lending/</loc><lastmod>2014-09-25T03:26:59-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-26-can-spam-primer-nevadas-ruling-on-hoa-foreclosures-has-major-implications-usda-map-update-vendor-updates/</loc><lastmod>2014-09-26T03:07:15-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-27-observations-on-foreclosing-on-hoas-vs-first-liens-millennials-vendor-management-putbacks-and-reps-warrants/</loc><lastmod>2014-09-27T05:02:04-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-29-mortgage-jobs-respa-tila-and-other-webinars-a-primer-on-extending-rate-locks/</loc><lastmod>2014-09-29T05:22:43-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-30-mortgage-jobs-buybacks-disparate-lending-indemnifications-and-the-cfpb-flagstar-all-in-a-days-work/</loc><lastmod>2014-09-30T05:02:00-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-1-jobs-stonegates-new-channel-cfpbs-consent-order-against-a-title-insurer/</loc><lastmod>2014-10-01T08:13:37-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-2-mortgage-jobs-bank-m-correspondent-investor-update/</loc><lastmod>2014-10-02T05:09:17-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-3-mortgage-jobs-updates-on-usda-and-proposed-changes-to-nmls-status-ben-b-s-loan-turned-down/</loc><lastmod>2014-10-03T10:46:42-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-4-observations-on-the-cfpbs-consent-order-regarding-msas-catching-up-on-lender-investor-updates/</loc><lastmod>2014-10-04T05:01:49-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-6-management-job-more-consent-orders-against-lenders-upcoming-events/</loc><lastmod>2014-10-06T04:34:52-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-7-mortgage-jobs-fun-with-millennials-mountainviews-non-prime-news-deutsche-bank-financing-non-qm-lenders/</loc><lastmod>2014-10-07T05:40:41-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-8-mortgage-jobs-georgia-vs-sun-west-bofas-repurchase-requests-lenders-usda-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ect-not-everyone-is-raving-about-fha-changes/</loc><lastmod>2015-01-12T04:30:35-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-13-mortgage-jobs-impac-experian-goes-directly-to-the-consumer-other-software-news-upcoming-events-training/</loc><lastmod>2015-01-13T05:29:40-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-14-companies-expanding-sub-servicer-review-industry-reaction-to-cfpbs-new-site-is-swift-and-stinging/</loc><lastmod>2015-01-14T05:39:18-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-15-lender-expansion-supreme-court-mortgage-ruling-mba-tila-respa-training-will-ocwens-ny-and-california-woes-impact-our-rate-sheets/</loc><lastmod>2015-01-15T05:42:01-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-16-mortgage-production-bank-more-on-student-debt-millennials-impact-on-housing/</loc><lastmod>2015-01-16T03:17:00-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-17-w-2-collateral-underwriter-good-or-bad-who-does-the-rate-survey-for-the-cfpbs-rate-checker/</loc><lastmod>2015-01-17T02:43:27-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-19-retail-altas-opinion-of-know-before-you-owe-fha-hecm-training-piece-on-cfpbs-enforcement-actions/</loc><lastmod>2015-01-19T04:13:37-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-20-mortgage-jobs-vendors-laying-off-lenders-merging-the-challenge-of-the-regulatory-environment/</loc><lastmod>2015-01-20T05:28:44-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-21-jobs-products-training-mi-update-eminent-domain-info-mba-calls-for-folks-to-write-to-cfpb-re-rate-checker/</loc><lastmod>2015-01-21T06:35:29-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-22-mi-rating-agency-settles-bank-m-agency-news-europes-markets-move-our-rates/</loc><lastmod>2015-01-22T05:52:38-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-23-ops-non-performing-loan-news-cfpbs-action-vs-wells-chase-has-everyone-with-msas-scurrying/</loc><lastmod>2015-01-23T05:14:09-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-24-loan-officer-compensation-for-bond-programs-general-lo-frustration-within-the-industry/</loc><lastmod>2015-01-24T05:33:20-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-26-lo-and-sales-jobs-the-nitty-gritty-on-the-hud-fha-changes-and-how-lenders-are-handling-them/</loc><lastmod>2015-01-26T04:57:29-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-27-mortgage-jobs-fha-mip-change-advice-cu-white-paper-usda-news-correspondent-salary-survey-cfpb-stealing-auditors-from-states/</loc><lastmod>2015-01-27T03:19:38-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-28-retail-what-to-learn-from-the-cfpbwellschase-order-fdic-video-on-lo-comp-more-training-events/</loc><lastmod>2015-01-28T04:43:19-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-29-mortgage-jobs-fannie-cu-webinar-reports-on-the-health-of-reverse-mortgages-homebuilders-and-the-housing-market/</loc><lastmod>2015-01-29T05:49:19-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-30-mortgage-jobs-subprime-refi-biz-booming-w10-yr-below-1-70-bank-mortgage-bank-ma-on-fire-what-deal-structures-work/</loc><lastmod>2015-01-30T05:39:32-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-31-notes-on-the-value-of-apr-pros-and-cons-of-bond-programs-the-value-of-an-lo-lenders-educating-politicians/</loc><lastmod>2015-01-31T04:36:12-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-2-mortgage-jobs-cfpb-throws-a-possible-bone-to-rural-america-saudis-max-ltv-at-70-6-min-capital-ratio-for-nonbanks/</loc><lastmod>2015-02-02T03:59:47-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-3-mortgage-jobs-moodys-being-probed-lending-club-the-current-state-of-the-secondary-markets/</loc><lastmod>2015-02-03T03:56:23-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-4-sales-jobs-agency-updates-indicate-lending-trends-millennial-monster-mania-catch-the-wave/</loc><lastmod>2015-02-04T01:52:18-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-5-jobs-in-all-sectors-m-training-events-the-seminole-indians-decided-to-do-what/</loc><lastmod>2015-02-05T03:19:08-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-6-mortgage-jobs-reminder-of-lots-of-agency-updates-volume-estimates-for-2015-helped-by-new-mod-plan/</loc><lastmod>2015-02-06T05:41:59-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-7-letters-on-reg-z-the-difference-between-apps-fundings-bank-vs-non-bank-los-and-meaningless-borrower-paperwork/</loc><lastmod>2015-02-07T05:23:55-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-9-jobs-questions-about-g-fees-on-various-levels-concern-about-purchase-more-on-collateral-underwriter/</loc><lastmod>2015-02-09T04:22:04-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-10-jobs-salary-report-from-the-capital-markets-conference-barney-said-what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7:00</lastmod></url><url><loc>https://www.robchrisman.com/june-13-1099-vs-w-2-for-los-union-programs-and-defending-the-broker-model-more-mbs-litigation-ahead-for-lenders/</loc><lastmod>2015-06-12T22:02:57-07:00</lastmod></url><url><loc>https://www.robchrisman.com/june-15-servicing-trid-for-the-public-primer-on-hedging-and-thoughts-on-the-changes-facing-residential-lending-builders-merge/</loc><lastmod>2015-06-14T22:50:38-07:00</lastmod></url><url><loc>https://www.robchrisman.com/june-16-wholesale-upcoming-trid-events-around-the-country-thoughts-on-helping-minorities-millennials/</loc><lastmod>2015-06-16T08:08:16-07:00</lastmod></url><url><loc>https://www.robchrisman.com/june-17-jobs-primer-on-hedge-costs-is-there-a-lack-of-appraisers/</loc><lastmod>2015-06-16T21:02:57-07:00</lastmod></url><url><loc>https://www.robchrisman.com/june-18-mortgage-jobs-trid-update-a-look-at-mortgage-company-acquisitions-big-changes-at-barclays-occ-restricts-wells-and-other-banks/</loc><lastmod>2015-06-18T02:38:14-07:00</lastmod></url><url><loc>https://www.robchrisman.com/june-19-ops-jobs-safest-places-to-live-note-from-dave-stevens-current-state-of-the-biz/</loc><lastmod>2015-06-19T00:51:23-07:00</lastmod></url><url><loc>https://www.robchrisman.com/june-20-up-to-the-minute-trid-information-the-problem-with-apr-mi-companys-focus/</loc><lastmod>2015-06-20T04:16:12-07:00</lastmod></url><url><loc>https://www.robchrisman.com/june-22-correspondent-plenty-of-conventional-conforming-updates-a-september-hike/</loc><lastmod>2015-06-21T22:28:25-07:00</lastmod></url><url><loc>https://www.robchrisman.com/june-23-ops-trid-training-fha-va-changes-new-information/</loc><lastmod>2015-06-23T06:21:59-07:00</lastmod></url><url><loc>https://www.robchrisman.com/june-24-retail-millennials-rent-yes-free-du-but-there-are-compliance-tangles/</loc><lastmod>2015-06-24T04:02:47-07:00</lastmod></url><url><loc>https://www.robchrisman.com/june-25-it-msr-company-pingora-purchased-msa-call-bank-ma-rolls-on-how-many-branches-is-fifth-third-closing/</loc><lastmod>2015-06-25T05:58:02-07:00</lastmod></url><url><loc>https://www.robchrisman.com/june-26-sales-management-jumbo-disparate-impact-ruling-clears-things-up-kind-of-a-new-udaap/</loc><lastmod>2015-06-26T05:17:07-07:00</lastmod></url><url><loc>https://www.robchrisman.com/june-27-letters-from-readers-on-the-apr-cdos-phone-system-uniformity-the-importance-of-qc-and-the-broker-model/</loc><lastmod>2015-06-27T04:57:52-07:00</lastmod></url><url><loc>https://www.robchrisman.com/june-29-retail-opportunities-the-fhlb-u-s-rates-drop-cfpb-to-audit-executive-pay-why-not-doctors-pay/</loc><lastmod>2015-06-29T04:45:41-07:00</lastmod></url><url><loc>https://www.robchrisman.com/june-30-sales-jobs-originator-census-survey-another-lender-purchased-its-all-about-greece-rates/</loc><lastmod>2015-06-30T05:14:14-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-1-compliance-sales-and-ops-jobs-nationwide-investor-updates-on-disaster-policies-llpa-changes/</loc><lastmod>2015-07-01T05:29:19-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-2-lo-jobs-the-scoop-on-tax-transcripts-4506-ts-required-prior-to-closing-by-the-agencies/</loc><lastmod>2015-07-02T05:48:16-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-3-bank-m-input-on-irs-tax-transcript-usefulness-no-clear-trends-in-household-formation/</loc><lastmod>2015-07-03T04:53:44-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-6-retail-jobs-profusion-of-upcoming-events-greek-drama-pushes-rates-lower/</loc><lastmod>2015-07-06T04:51:27-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-7-ops-compendium-of-fha-va-ginnie-fannie-freddie-updates-including-lpmi-trid-disclosure-policies/</loc><lastmod>2015-07-07T05:24:08-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-8-retail-wholesale-and-ops-jobs-best-efforts-sales-are-alive-and-well-the-cost-of-rate-lock-extensions-explained/</loc><lastmod>2015-07-08T04:40:05-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-9-training-retail-ops-trends-in-servicing-and-servicing-transfers-more-tomorrow/</loc><lastmod>2015-07-09T05:42:26-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-10-ops-google-bank-m-hedging-servicing/</loc><lastmod>2015-07-10T05:22:11-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-11-thoughts-on-the-paying-los-on-profitability-health-care-costs-productivity-and-declining-foreclosures/</loc><lastmod>2015-07-11T05:07:29-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-13-correspondent-jobs-recent-state-specific-lending-law-updates-greek-settlement-shifts-rates-higher/</loc><lastmod>2015-07-13T04:46:45-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-14-retail-upcoming-events-update-on-msas-trid-for-realtors-avalanche-of-freddie-fannie-updates/</loc><lastmod>2015-07-14T05:40:47-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-15-sales-jobs-news-from-the-mba-including-its-trid-survey-oig-cfpb-nar-cuna-pace-and-several-other-acronyms/</loc><lastmod>2015-07-15T05:40:53-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-16-ops-innovation-in-primary-every-fha-lender-following-hud-v-nova/</loc><lastmod>2015-07-16T05:40:03-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-17-ops-banker-branch-numbers-income-and-m-builder-trends-definitely-point-higher-upcoming-events/</loc><lastmod>2015-07-17T05:42:27-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-18-notes-on-broker-biz-property-line-disputes-counter-party-risk-and-how-los-helping-realtors-can-be-a-respa-violation/</loc><lastmod>2015-07-18T05:35:17-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-20-sales-chase-settles-lawsuit-while-wells-has-one-dismissed-progress-on-e-sign-back-up-los-worth-it/</loc><lastmod>2015-07-20T05:03:20-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-21-correspondent-irs-drama-continues-fhas-memo-on-dpa-programs-fallout-from-fannie-freddies-gfees/</loc><lastmod>2015-07-21T05:20:44-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-22-retail-upcoming-events-have-a-say-on-gfee-levels-the-cost-of-enforcement-actions-inc-one-against-an-amc/</loc><lastmod>2015-07-22T04:53:13-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-23-sales-jobs-zions-housing-market-on-fire-yield-curve-changing-slope-why/</loc><lastmod>2015-07-23T05:47:20-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-24-wholesale-vendor-fdics-banamex-civil-penalty-moodys-admits-error/</loc><lastmod>2015-07-24T05:47:23-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-25-letter-from-a-bank-ceo-ending-lending-trid-irs-transcripts-greek-bailout-explained-snort/</loc><lastmod>2015-07-25T04:58:24-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-27-new-products-capital-one-layoffs-flood-insurance-news-va-changes-jumbo-trends/</loc><lastmod>2015-07-27T05:51:05-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-28-production-jobs-cfpb-personnel-moves-why-millennials-rent-is-the-los-best-friend/</loc><lastmod>2015-07-28T04:37:52-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-29-ops-sales-wells-business-channel-rumor-conventional-conforming-updates-never-cease/</loc><lastmod>2015-07-29T04:48:19-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-30-ops-bank-m-cfpbs-latest-fine-jd-powers-servicing-survey-prospect-withdraws-from-msa-biz/</loc><lastmod>2015-07-30T05:41:29-07:00</lastmod></url><url><loc>https://www.robchrisman.com/july-31-sales-wells-cfpb-trid-toolkit-capital-markets-trends-student-loans/</loc><lastmod>2015-07-31T05:41:20-07:00</lastmod></url><url><loc>https://www.robchrisman.com/aug-1-concerns-questions-and-suggestions-on-trid-related-paperwork-hud-1-and-the-loan-estimate/</loc><lastmod>2015-08-01T04:58:19-07:00</lastmod></url><url><loc>https://www.robchrisman.com/aug-3-wholesale-correspondent-and-business-opportunities-cfpbs-latest-fines-upcoming-events-training-much-of-it-free/</loc><lastmod>2015-08-03T04:54:41-07:00</lastmod></url><url><loc>https://www.robchrisman.com/aug-4-underwriter-jobs-personnel-name-and-mortgage-company-changes-qm-closing-servicing-costs-march-higher/</loc><lastmod>2015-08-04T05:23:05-07:00</lastmod></url><url><loc>https://www.robchrisman.com/aug-5-retail-calif-disaster-news-training-for-hiring-millennials-and-their-impact-on-housing-city-values/</loc><lastmod>2015-08-05T05:34:46-07:00</lastmod></url><url><loc>https://www.robchrisman.com/aug-6-sales-jobs-m-arm-webinar-bank-m-cool-trends-in-capital-markets/</loc><lastmod>2015-08-06T05:04:07-07:00</lastmod></url><url><loc>https://www.robchrisman.com/aug-7-consulting-e-signature-progress-agency-news-in-primary-markets-fannie-earnings/</loc><lastmod>2015-08-07T06:12:10-07:00</lastmod></url><url><loc>https://www.robchrisman.com/aug-8-the-increasing-weight-of-compliance-can-anyone-possibly-keep-track-of-it-all-is-it-helping-the-consumer/</loc><lastmod>2018-04-30T11:05:39-07:00</lastmod></url><url><loc>https://www.robchrisman.com/aug-10-non-performing-loan-purchaser-upcoming-training-new-product-and-underwriting-changes-rampant/</loc><lastmod>2015-08-10T15:16:42-07:00</lastmod></url><url><loc>https://www.robchrisman.com/aug-11-retail-openings-in-multiple-states-hud-settles-with-two-lenders-trends-in-home-buying-ginnie-news/</loc><lastmod>2015-08-11T04:42:27-07:00</lastmod></url><url><loc>https://www.robchrisman.com/aug-12-wholesale-jobs-upcoming-events-of-note-company-earnings-monitor-health-of-biz-mi-update/</loc><lastmod>2015-08-12T04:39:51-07:00</lastmod></url><url><loc>https://www.robchrisman.com/aug-13-non-qm-correspondent-disparate-impact-white-paper-credit-unions-market-share-is-how-high/</loc><lastmod>2015-08-13T05:35:15-07:00</lastmod></url><url><loc>https://www.robchrisman.com/aug-14-dtc-retail-and-wholesale-jobs-goldmans-settlement-the-cfpb-and-mortgage-insurance-the-i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-qm-credit-scoring-and-subprime/</loc><lastmod>2015-09-16T04:31:24-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-17-retail-cybercrime-continues-to-hit-lenders-trid-training-lender-buys-bank-how-to-sell-a-house-fast/</loc><lastmod>2015-09-17T04:11:58-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-18-ops-lender-trid-updates-lenders-fha-fomc-statement-much-ado-about-nothing/</loc><lastmod>2015-09-18T03:35:31-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-19-notes-on-the-cost-of-compliance-down-payments-default-rates-esignatures-ewarehouse-developments/</loc><lastmod>2015-09-19T03:58:08-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-21-ops-update-on-ocwen-wells-fargo-the-fha-and-the-false-claims-act/</loc><lastmod>2015-09-21T05:26:03-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-22-retail-trid-pimco-increases-mortgage-presence-while-others-scale-back/</loc><lastmod>2015-09-22T03:28:19-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-23-ops-new-products-rolled-out-conventional-conforming-underwriting-changes-never-stop/</loc><lastmod>2015-09-23T04:25:08-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-24-wholesale-new-products-by-lenders-banks-oakland-sues-wells-fargo-pnc-has-closed-how-many-branches/</loc><lastmod>2015-09-24T05:38:31-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-25-mi-the-cfpbs-fines-final-rules-readiness-guide-defining-rural-lenders-updates-on-exam-procedures/</loc><lastmod>2015-09-25T05:41:24-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-26-qc-trends-brokers-responsibilities-under-trid-with-recent-rules-and-rulings-is-the-cfpb-in-total-control-or-out-of-control/</loc><lastmod>2015-09-26T05:03:12-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-28-retail-lo-jobs-lots-of-upcoming-events-ginnie-mae-fha-updates-impacting-primary-secondary-markets/</loc><lastmod>2015-09-28T05:43:20-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-29-sales-retail-and-wholesale-jobs-trid-ready-or-not-here-it-comes-how-some-lenders-continue-to-try-to-educate/</loc><lastmod>2015-09-29T05:35:31-07:00</lastmod></url><url><loc>https://www.robchrisman.com/sep-30-retail-cordray-speaks-out-on-trid-latinos-household-growth-culture-the-housing-market/</loc><lastmod>2015-09-30T05:32:46-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-1-sales-jobs-around-the-nation-lending-to-asian-americans-mbs-issuance-numbers-lender-receives-1-billion-in-funding/</loc><lastmod>2015-10-01T06:15:54-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-2-sales-hoped-for-trid-leniency-wont-stop-lawsuits-bank-numbers-declining-mi-biz-updates-rates-decline-on-job-data/</loc><lastmod>2015-10-02T05:39:52-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-3-note-on-hispanics-lending-troubling-trends-in-mortgage-fraud-unintended-consequences-of-trid-and-esignatures/</loc><lastmod>2015-10-03T03:59:34-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-5-retail-wholesale-upcoming-events-to-note-trid-implementation-facts-and-rumors/</loc><lastmod>2015-10-05T05:13:09-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-6-ae-ops-mi-and-credit-officer-jobs-new-products-continue-capital-markets-changes-credit-default-swap-news/</loc><lastmod>2015-12-29T07:04:50-08:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-7-coo-trid-flubs-fluffs-pr-victories-training-fannie-freddie-weigh-in-on-enforcement/</loc><lastmod>2015-10-07T04:37:34-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-8-wholesale-retail-new-reps-millennial-chatter-trends/</loc><lastmod>2015-10-08T05:47:20-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-9-retail-wholesale-mgt-jobs-webinar-about-msa-news-5-3-settles-loandepot-goes-public/</loc><lastmod>2015-10-09T05:43:22-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-10-notes-on-the-confusing-overlap-of-regulations-title-association-faq-aging-appraisers-and-appraisal-costs-under-trid/</loc><lastmod>2015-10-10T05:00:59-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-12-mi-warehouse-msa-scuttlebutt-trid-related-quotes-progress-and-tools/</loc><lastmod>2015-10-12T05:19:51-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-13-retail-ops-mi-correspondent-opportunities-upcoming-training-more-trid-developments/</loc><lastmod>2015-10-13T05:33:33-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-14-retail-corresp-ops-california-lender-closes-risk-sharing-update-condo-lending-msa-news-interpretation/</loc><lastmod>2015-10-14T06:20:14-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-15-correspondent-retail-management-jobs-personnel-moves-of-note-jumbo-loan-trends-bofa-bails-on-msas/</loc><lastmod>2015-10-15T05:46:08-07:00</lastmod></url><url><loc>https://www.robchrisman.com/oct-16-sales-jobs-cmps-white-paper-on-industry-avalanch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><loc>https://www.robchrisman.com/jan-20-corres-subservicer-reviews-qc-contest-big-bank-mortgage-stats-guide-for-online-business-activities/</loc><lastmod>2016-01-20T06:01:24-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-21-mi-phh-ocwen-settlement-redwood-shutters-portion-of-conventional-conforming-biz/</loc><lastmod>2016-01-21T05:38:10-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-22-capital-markets-reverse-mortgage-news-trends-gosh-how-many-people-turn-62-every-day/</loc><lastmod>2016-01-22T04:32:57-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-23-notes-on-cyber-attacks-getting-through-trid-compliance-reviews-construction-to-perm-and-the-future-of-mreits/</loc><lastmod>2016-01-23T05:40:37-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-25-retail-lots-of-upcoming-events-cfpb-mgic-earnings-ug-to-be-sold-risk-swapping-primer/</loc><lastmod>2016-01-25T05:08:50-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-26-jobs-in-sales-sales-mgt-chase-settlements-senior-personnel-changes-lender-bank-ma-stats-and-what-is-working/</loc><lastmod>2016-01-26T05:00:53-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-27-sales-more-personnel-changes-subservicer-review-new-mortgage-products-more-on-risk-sharing/</loc><lastmod>2016-01-27T04:21:42-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-28-retail-recruiting-tool-rent-trends-originator-survey/</loc><lastmod>2016-01-28T05:43:12-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-29-ops-jobs-change-in-views-on-credit-hsbc-wacs-servicing-deal/</loc><lastmod>2016-01-29T05:39:48-08:00</lastmod></url><url><loc>https://www.robchrisman.com/jan-30-why-the-10-yr-t-note-is-relevant-qrm-reits-setback-managing-borrower-complaints-and-a-correspondents-view-of-trid-rollout/</loc><lastmod>2016-01-30T05:29:52-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-1-ops-jobs-appraisal-company-news-events-fdic-enforcement-actions-fha-va-changes-ginnie-issuance/</loc><lastmod>2016-02-01T05:21:43-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-2-retail-comp-survey-mi-company-direction-disaster-policy-updates-appraisal-collateral-trends/</loc><lastmod>2016-02-02T02:22:54-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-3-nationwide-retail-jobs-fannie-settlements-lawsuits-will-the-cfpb-settle-discrimination-suit/</loc><lastmod>2016-02-03T05:18:12-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-4-retail-borrower-satisfaction-report-bank-m-data-breach-responses/</loc><lastmod>2016-02-04T05:44:13-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-5-retail-discontinued-program-lender-fees-going-up-non-agencyjumbo-program-trends/</loc><lastmod>2016-02-05T05:44:16-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-6-letters-on-lender-expectations-for-2016-appraisers-trended-credit-data-tarp-update-and-atr/</loc><lastmod>2016-02-06T04:53:52-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-8-retail-lots-of-attention-on-new-lehman-brothers-lawsuit-lenders-super-bowl-ad-results/</loc><lastmod>2016-02-08T04:02:16-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-9-encompass-cd-and-ops-jobs-personnel-changes-proliferate-training-ops-vp-weighs-in-on-trid/</loc><lastmod>2016-02-09T04:35:06-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-10-retail-wells-layoffs-more-on-trid-redwood-cuts-commercial-program/</loc><lastmod>2016-02-10T05:41:06-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-11-retail-blackstone-expands-basels-impact-on-our-banks-vendor-management-good-bad-news-about-rates/</loc><lastmod>2017-04-06T13:14:21-07:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-12-sales-jobs-warehouse-bank-expanding-morgan-stanley-settles-the-importance-of-water-in-lending-home-ownership/</loc><lastmod>2016-02-12T05:54:19-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-13-mismo-primer-pre-approval-letters-in-a-trid-world-handling-diff-comp-plans-with-different-lenders-book-for-los/</loc><lastmod>2016-02-13T04:33:12-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-16-servicing-job-non-qm-training-trading-on-the-phone-and-who-has-the-safest-mbs/</loc><lastmod>2016-02-16T05:45:27-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-17-interim-cfo-underwriting-recruiting-webinar-trends-in-fha-va-and-ginnie-issuance/</loc><lastmod>2016-02-17T05:42:58-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-19-lo-sales-and-secondary-jobs-trid-survey-cfpb-addresses-financial-innovation-is-being-a-primary-dealer-still-hot-stuff/</loc><lastmod>2016-02-19T05:42:57-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-20-trid-pains-and-calyxs-take-on-the-situation-difference-in-how-banks-and-independent-mbs-are-expanding/</loc><lastmod>2016-02-20T05:01:18-08:00</lastmod></url><url><loc>https://www.robchrisman.com/feb-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><loc>https://www.robchrisman.com/mar-24-retail-jobs-trends-in-private-mortgage-insurance-disaster-policy-updates-why-borrower-early-payoffs-matter/</loc><lastmod>2016-03-24T04:17:09-07:00</lastmod></url><url><loc>https://www.robchrisman.com/mar-25-retail-jobs-arm-update-trid-primer-on-negative-interest-rates/</loc><lastmod>2016-03-25T05:18:28-07:00</lastmod></url><url><loc>https://www.robchrisman.com/mar-26-note-on-a-false-claims-resource-center-cyber-challenge-fdic-site-plenty-of-blame-to-go-around-for-the-housing-crisis/</loc><lastmod>2016-03-26T04:46:21-07:00</lastmod></url><url><loc>https://www.robchrisman.com/mar-28-it-analyst-retail-jobs-immigration-labor-lot-availability-other-trends-impacting-builders/</loc><lastmod>2016-03-28T06:00:38-07:00</lastmod></url><url><loc>https://www.robchrisman.com/mar-29-retail-jobs-redwood-trust-prosper-news-ohios-take-on-minimum-wage-for-sales-personnel-cfpb-webinar-on-trid/</loc><lastmod>2016-03-29T04:21:36-07:00</lastmod></url><url><loc>https://www.robchrisman.com/mar-30-sales-small-balance-commercial-webinar-the-cost-of-trid-from-stratmor-its-impact-on-appraisers/</loc><lastmod>2016-03-30T05:30:52-07:00</lastmod></url><url><loc>https://www.robchrisman.com/mar-31-servicing-companies-expanding-bank-failure-stats-improving-banks-easing-credit/</loc><lastmod>2016-03-31T06:00:22-07:00</lastmod></url><url><loc>https://www.robchrisman.com/apr-1-cfpb-goes-after-layaway-plans-lo-comp-experiment-florida-lender-addresses-regulatory-burden/</loc><lastmod>2016-04-01T05:42:35-07:00</lastmod></url><url><loc>https://www.robchrisman.com/apr-2-trid-question-from-brokers-the-industrys-role-of-morpac-primer-in-mbs-prices-the-10-year-and-borrowers-rates-cool-bald-eagle-cam/</loc><lastmod>2016-04-02T05:21:29-07:00</lastmod></url><url><loc>https://www.robchrisman.com/apr-4-compliance-correspondent-tech-conference-new-products-vendor-news-los-satisfaction-survey-results/</loc><lastmod>2016-04-04T05:29:15-07:00</lastmod></url><url><loc>https://www.robchrisman.com/apr-5-servicing-retail-and-encompass-jobs-changes-at-kinecta-freedom-student-debt-developments-mbs-supply-estimates/</loc><lastmod>2016-04-05T06:11:12-07:00</lastmod></url><url><loc>https://www.robchrisman.com/apr-6-cio-lending-real-estate-market-in-the-west-is-on-fire-and-spreading-town-for-sale-in-nevada/</loc><lastmod>2016-04-06T05:32:01-07:00</lastmod></url><url><loc>https://www.robchrisman.com/apr-7-secondary-job-new-condo-product-consumer-direct-workshop-disaster-updates-why-some-mergers-fail/</loc><lastmod>2016-04-07T05:36:24-07:00</lastmod></url><url><loc>https://www.robchrisman.com/apr-8-ops-proposed-actual-conventional-conforming-changes-are-everywhere/</loc><lastmod>2016-04-08T05:50:17-07:00</lastmod></url><url><loc>https://www.robchrisman.com/apr-9-capital-markets-notes-on-pricing-hedging-investor-behavior-selling-tips-etc-is-real-time-data-necessary/</loc><lastmod>2016-04-09T06:24:28-07:00</lastmod></url><url><loc>https://www.robchrisman.com/apr-11-correspondent-jobs-private-mortgage-insurance-updates-fhava-changes-lenders-should-pay-attention-to-wells-settlement/</loc><lastmod>2016-04-11T05:38:18-07:00</lastmod></url><url><loc>https://www.robchrisman.com/apr-12-ops-upcoming-free-events-phh-mreit-acquisition-goldman-settlement-new-products/</loc><lastmod>2016-04-12T04:39:58-07:00</lastmod></url><url><loc>https://www.robchrisman.com/apr-13-ops-the-cfpb-ex-cfpb-enforcement-attorneys-take-on-phhcfpb-day-1-of-hearing-an-eye-opener/</loc><lastmod>2016-04-13T05:36:42-07:00</lastmod></url><url><loc>https://www.robchrisman.com/apr-14-ops-primelending-bank-mergers-vendor-phhcfpb-battle-will-be-a-long-process/</loc><lastmod>2016-04-14T05:45:56-07:00</lastmod></url><url><loc>https://www.robchrisman.com/apr-15-secondary-job-interesting-webinars-next-week-conformingconventional-related-mi-changes-keep-coming/</loc><lastmod>2016-04-15T05:31:18-07:00</lastmod></url><url><loc>https://www.robchrisman.com/apr-16-note-on-trends-in-capital-markets-successful-cra-lending-and-the-dojfreedom-mortgage-settlement/</loc><lastmod>2016-04-16T05:58:12-07:00</lastmod></url><url><loc>https://www.robchrisman.com/apr-18-wholesale-opportunities-freedoms-statement-on-settlement-what-big-bank-earnings-tell-us-about-residential-lending-environment/</loc><lastmod>2016-04-18T05:45:06-07:00</lastmod></url><url><loc>https://www.robchrisman.com/apr-19-wholesale-free-webinars-lender-investor-changes-in-lock-pricing-policies-condo-guidelines-and-usdarural-programs/</loc><lastmod>2016-04-19T05:39:23-07:00</lastmod></url><url><loc>https://www.robchrisman.com/420-ops-millennial-webinar-housing-starts-building-permits-ugh/</loc><lastmod>2016-04-20T05:29:33-07:00</lastmod></url><url><loc>https://www.robchrisman.com/apr-21-wholesale-retail-lo-survey-subservicer-reviews-florida-los-know-the-homestead-rules-jumbo-delegated-programs-sure/</loc><lastmod>2016-04-21T05:53:43-07:00</lastmod></url><url><loc>https://www.robchrisman.com/apr-22-retail-wholesale-and-corresponde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