Market Intelligence
Analysis of the conditions lenders are actually originating in, rather than the headline rate. This section looks at where credit cost lands in a closed loan’s economics, how originators are responding to a thin-margin market, and which of those responses the data supports. Numbers are sourced and dated so you can check them.
2 posts, newest first
CampaignThe Margin Math of a 6.7% Market
Rates near 6.7% changed the arithmetic of mortgage lending. Three numbers now decide margin: pull-through, credit spend per closed loan, and tier proximity.
UpdateA Credit Score Strategy That Closes in a 6.7% Rate Market
With 30-year fixed rates holding near 6.5% and the Fed showing no urgency to cut, every basis point of borrower credit score carries more weight than it has in years. This post breaks down the credit strategy loan officers should be running right now to turn borderline files into closed loans.
