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| Commercial, UAD 3.6, Data Analysis Tools; AI Governance, Consistency, and Focusing on the Basics | ||
| 4/9/2026 10:52 AM | ||
| VantageScore, created in 2006, is a joint venture by the three major credit bureaus (Equifax, Experian, and TransUnion). Will it change your lending process? Possibly. Do government regulations change your lending process? States have trigger lead requirement overlays, over and above what was enacted at the Federal level in March. (Talk to your att...Read More | ||
| Flood of Data. No Real Reaction. Back to Watching Headlines | ||
| 4/9/2026 8:08 AM | ||
| The overnight session leading into this morning"s open was completely sideways--especially compared to yesterday"s example. The boatload of econ data line items did nothing to change that. Expectations weren"t high anyway. GDP (Q4) and monthly PCE (February) are both too stale to matter. Jobless Claims were a mixed bag with initial claims rising su...Read More | ||
| Bonds Lose Almost All The Overnight Gains | ||
| 4/8/2026 3:33 PM | ||
| Bonds Lose Almost All The Overnight Gains Bonds rallied sharply overnight--adding onto an already decent rally yesterday afternoon that took 10yr yields from 4.38% to 4.23% in less than 24 hours. Now at Wednesday"s close, we"re back to unchanged levels near 4.30%. The move follows a similar correction...Read More | ||
| Mortgage Rates Only Slightly Lower After Ceasefire News | ||
| 4/8/2026 2:27 PM | ||
| It"s a fluid situation in financial markets on Wednesday. The 2-week ceasefire in the Iran war caused a big reaction last night, but the benefit to the bond market (bonds dictate rates) has been increasingly wiped out during domestic hours. If we measure the reversal versus yesterday"s closing levels at 5pm ET, the reversal is almost complet...Read More | ||
| Property Mining, AI Processing Tools; STRATMOR on subservicing; LOs and Re-Engaging Clients; Cease Fire and Rates | ||
| 4/8/2026 10:44 AM | ||
| U.S. population growth slowed sharply between July 2024 and July 2025, rising just 1.8 million people (0.5 percent) to 341.8 million, the weakest growth since the early pandemic. This was driven primarily by a steep 54 percent drop in net international migration from 2.7 million to 1.3 million (the result of ICE?), while births and deaths remained ...Read More | ||
| Logical Rally After Ceasefire Agreement | ||
| 4/8/2026 8:06 AM | ||
| The wheels were already in motion by the time yesterday"s recap came out, and participants in the MBS Live chat room were already high-fiving as we watched overnight price movement yesterday evening (and also hoping there wouldn"t be some counterintuitive head fake). As the domestic session gets underway, things are proceeding very logically ...Read More | ||
| Wednesday Could Be Entirely Different | ||
| 4/7/2026 3:39 PM | ||
| Wednesday Could Be Entirely Different April 7th has been one of the most important days on the calendar for the Iran war due to deadline for Iran to accept Trump"s terms or face major escalation. If the escalation was even remotely similar to Trump"s threats, it would all but preclude a quick end to th...Read More | ||
| Mortgage Rates Little-Changed But Volatility Could Return Quickly | ||
| 4/7/2026 2:14 PM | ||
| In stark contrast to the entire month of March, April"s mortgage rate volatility has been downright boring. To put this in context, the average top tier 30yr fixed rate rose a substantial 0.65% by March 27th. In the first five business days of April, they"ve held inside a range of just 0.04%. Today did nothing to expand that range although it did ...Read More | ||
| AI Assistant, eSignature, Subservicing, AI Adoption Products; VA Servicing and Loss Mit Update | ||
| 4/7/2026 10:53 AM | ||
| Artificial intelligence is all the rage in conferences and webinars, and today’s Advisory Angle at 2PM ET, powered by STRATMOR Group. Sue Woodard and Garth Graham break down the biggest takeaways from ICE Experience 2026 and what they mean for lenders right now. The discussion focuses on borrower expectations, AI adoption, and how leading organizat...Read More | ||
| Waiting on Tonight"s Ceasefire Headlines | ||
| 4/7/2026 8:34 AM | ||
| Tonight brings 8pm ET deadline for Iran"s response to U.S. demands (opening shipping channels among other things). If there"s no response, Trump has threatened to attack critical infrastructure like bridges, power plants, etc.--a major escalation that would all but guarantee a much longer run of high oil prices (and all that goes with it). Reports ...Read More | ||