Carsten

They’d be able to own a home just fine if they chose the gut-*un*healthy juice for the next … 15,000 days

This is a great read with data and nuance. Although you had me at “no need for an employment-only district”. Does an “employment-only district” really sound good to anyone? Ick. Thank you both for the time and effort to educate.

The book cover for 100 years of solitude

9/20

The book cover for what is it like to be a bat?

8/20

You’ve gotta tell us what kind of car it was. Then we’ll know.

The book cover for fathers and sons

7/20
”The cork has been drawn, and the wine must be drunk.“

The book cover of Enders game

6/20 (Please don’t watch the movie)

The book cover of the language instinct

5/20

The book cover for a deepness in the sky

4/20

The book cover for the clock of the Long now

3/20

The book cover of a Bend in the river by vs Naipaul

2/20

The cover of the book at play in the fields of the Lord

Doberman’s are “velcro” dogs—they’ll stick to you even when they’re asleep.

my wife mashes up idioms. eg, 'she's not my people' + 'we're not cut from the same cloth' = 'she's not my cloth'. is that a thing other people do? or just my wonderfully quirky wife?

smells good in here

Let’s go data science people … What variables do I check next to unravel this mystery? What analytical techniques should I use? #datascience #analytics #mortgage #cx

But the data below are all purchase borrowers. What accounted for the shift? Demographics? Average home price? Number of government (e.g., VA) vs conventional loans? Geographical region? Interest rates ...

Now you’d expect this result if you were looking at all borrowers and one group included more purchases than refinances. Purchase borrowers are about 50% first-time home buyers (67% for government loans) and rate recommendations as much more important than refinance borrowers ...

The data shows a significant increase in borrowers’ reliance on recommendations—from real estate agents, friends, co-workers, etc.—when choosing an originator. As one might expect, the data also shows a significant decrease in the importance of their existing banking or mortgage lender experience ..

this month’s release extends the data set through June of 2022. Nonetheless, it’s the first release in over 18 months so it’s important to look at how trends may have shifted.

I’ve been diving in, and let me tell you, there was a shift ...

What happened with home purchase behavior in the first half of 2022?

Just a few weeks ago, the federal government (FHFA and CFPB) released the latest set of data on the experience of getting a mortgage. The data lags …