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Commercial, UAD 3.6, Data Analysis Tools; AI Governance, Consistency, and Focusing on the Basics
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 enacte
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Flood of Data. No Real Reaction. Back to Watching Headlines
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 Cla
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Bonds Lose Almost All The Overnight Gains
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 co
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Mortgage Rates Only Slightly Lower After Ceasefire News
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
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