How credit scores really impact rates

I’ve been diving into the nuances of how different credit scores impact the rates we offer to borrowers. It’s fascinating how even a few points can make a significant difference in risk assessment. What have you all noticed in your own underwriting experiences? Any surprising cases?

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It’s wild how a couple of points can shift rates so much! Have you spotted any trends with borrowers who boost their scores just before applying? I’m curious! :face_with_monocle:.

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