Lenders are in a perpetual slugfest for business, especially monolines that lack bank-matching uninsured rates. In the past, we've noted how world leaders like U.S.-based UWM do weekly real-time "Sales Huddles" (see this) and key updates videos (see this) starring their CEO. UWM commits

For the time being, Scotiabank has shut the door—and double-bolted it—on discretionary broker-channel rate discounts. Brokers are stuck quoting off Scotia's rate sheet, and any sweeter deal comes straight out of their own commission cheques via buydown. But that's just the half of it.

Older homeowners often view reverse mortgages as financial booby traps. Many find it too hard to know how much of their wealth will remain once the loan stops compounding. A major wildcard in that equation is the average effective interest rate over the life of the loan. Seniors who endured