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At recent conferences, one theme keeps surfacing in conversations with lenders: borrower credit pricing is becoming increasingly difficult to manage. In hallway discussions, breakout sessions and one-on-one meetings, credit costs were discussed as frequently as rates and volume. Margins have remained tight throughout 2025 and into the first quarter of 2026. Competition is intense and the cost of pulling borrower credit continues to climb.  Not long ago, wholesale FICO pricing